Residency
UAE resident
ADCB Current Account
ADCB Current Account is an everyday dirham account for UAE residents, with a debit card and cheque book. It opens with AED 5,000 and no minimum salary.
At a glance
Key facts
Monthly FeeFree to AED 100/month
Minimum SalaryNo minimum salary
Account TypeCurrent
The ADCB Current Account is the bank's everyday account in dirhams. Your salary can be paid into it, and you spend from it by debit card, cheque, transfer or bill payment. It pays no interest, so it suits money you plan to use, not money you plan to keep. Only UAE residents can open one, and the opening amount is AED 5,000. Once you hold it, ADCB lets you add interest-paying accounts beside it, such as the Active Saver or the Super Saver.
Who can open it
Minimum salary
No minimum
Salary transfer
Not required
Fees and balance
The monthly fee is a relationship fee. ADCB looks at everything you hold with the bank and places you, as one customer, in a single fee tier. It does not price each account separately. You pay nothing in a month when any one of three things is true: your total relationship balance is AED 20,000 or more, your employer pays a salary of AED 15,000 or more directly into an ADCB account, or a smaller salary arrives and you also hold an ADCB credit card, overdraft or loan. A smaller salary with none of those products costs AED 25 a month. Any other customer in the Aspire segment pays AED 100. The relationship balance adds your fixed deposits and investments to the monthly average balance of your current, savings and call accounts.
Minimum opening amount
AED 5,000
Monthly fee
Free
Total relationship balance of AED 20,000 or more, a salary transfer of AED 15,000 or more, or a smaller salary transfer with an ADCB credit card, overdraft or loan.
Monthly fee
AED 25
Salary transfer under AED 15,000 without an ADCB credit card, overdraft or loan.
In plain words
- Fee levels
- The monthly fee has more than one level. The condition you meet decides which one applies, and you pay that one level only, never the levels added together. More on this
- Account closure fee
- A one-off charge of AED 105 for closing the account within 6 months of opening it. Closing it later costs nothing. Closing within the first 30 days carries no charge either. More on this
Benefits
Debit Card
A debit card comes with the dirham account for purchases and cash withdrawals.
Free Cheque Book
A free cheque book is issued on dirham accounts.
TouchPoints on Balances
ADCB awards TouchPoints on an average monthly balance of AED 25,000 and above.
Internet and Mobile Banking
The account is managed through ADCB Personal Internet Banking and the mobile app.
How to open
Before you apply
1.No minimum salary.
2.Salary transfer is not required.
3.Minimum opening amount: AED 5,000.
4.Debit card included.
Application steps
1.Check that you are a UAE resident with a valid Emirates ID.
2.Get your original passport with a UAE residence visa valid for more than 30 days, your Emirates ID and a salary certificate ready.
3.Start the application online on ADCB's current account page.
4.Fund the account with the AED 5,000 opening amount.
Good to know
Good option for
Residents who will have their salary paid to ADCB, or who keep AED 20,000 or more across the bank, and want a cheque book and debit card on one account.
Consider another account if
You would hold a low balance with no salary transfer, because the monthly fee then reaches AED 100. Residents earning AED 5,000 or less can look at the ADCB Universal Account, which costs AED 2 a month.
Closing the account
Closing within 30 days of opening is free. From day 31 until six months after opening, ADCB charges AED 105 to close. The bank can also close the account itself, for example when it sits at a zero balance with no activity for 90 consecutive days, or when four or more of your cheques are returned unpaid in one calendar year.
Frequently asked questions
Get answers to common questions about the ADCB Current Account