Minimum age
18 years
Visitor account
ADCB Instant Tourist Account
ADCB Instant Tourist Account is a dirham savings account visitors open in the app on a tourist or visit visa. It runs for up to six months, then closes.
At a glance
Key facts
Monthly Fee
AED 26.25/month, waivable
Minimum BalanceNo minimum balance
Account TypeSavings
Account access
Debit card included.
Debit card use is restricted to the UAE. International transfers and the remaining balance on closure can only go to one pre-registered, whitelisted international beneficiary account.
Open in the app.
The ADCB Instant Tourist Account is a temporary bank account for people visiting the UAE. You open it in the ADCB mobile app while you are in the country, using your passport and a valid tourist or visit visa. It holds dirhams only and pays no interest. You get a digital debit card for shops, ATMs, online payments and digital wallets inside the UAE, and you can make local transfers. It is not a route into regular UAE banking: while it is open you cannot hold any other ADCB product, and it cannot be turned into a resident account. Residents should look at the ADCB Current Account.
Who can open it
Visa
A valid tourist or visit visa. Transit visas and 96-hour visas are excluded.
Location
You must be physically in the UAE when you open the account.
Passport
A valid passport is required to open the account in the ADCB mobile app.
Visitor account rules
- Excluded visas: transit, 96-hour.
- Maximum account tenure: 6 months.
- The bank starts closing the account when whichever of these comes first: the maximum account tenure ends, or your visa expires, or your visa is revoked or suspended, or you leave the UAE, or you become a UAE resident.
- You cannot open, hold or apply for another product with this bank.
- This account cannot be converted to a resident account.
In plain words
- Visitor account
- An account a bank opens for someone in the UAE on a visit visa, before they hold an Emirates ID. It runs for a limited time and follows the rules listed here. More on this
Fees and balance
There is no minimum balance, but a monthly maintenance fee of AED 26.25 applies. ADCB waives it in a month when your average balance is AED 2,500 or more. The digital debit card is free, while a physical card costs AED 52.50 to issue. Cash withdrawals at ADCB ATMs are free and cost AED 2.10 at other banks' machines in the UAE. Closing the account yourself after the first 30 days and within six months of opening costs AED 105. No closure fee is taken when the account closes automatically at visa expiry.
Minimum balance
None
Minimum opening amount
None
Monthly fee
AED 26.25
Waived with a monthly average balance of AED 2,500 or more.
Account closure fee
AED 105
Charged only within 6 months of opening. Waived within 30 days.
In plain words
- Fee waiver
- A waiver is a condition that cancels the fee for that month. The fee here is AED 26.25 a month, and it is charged only in a month when you do not meet the waiver condition. 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
- Opening amount and minimum balance
- The opening amount (AED 0) is what you pay in to start the account. The minimum balance is what you keep in it afterwards. More on this
Benefits
Digital Debit Card
A digital debit card is issued free by default for use inside the UAE.
Opened in the App
The account is opened and run through the ADCB mobile app.
Free ADCB ATM Withdrawals
Cash withdrawals and deposits at ADCB ATMs are free.
One International Beneficiary
International transfers go to one registered account in your own name.
How to open
Before you apply
1.Debit card use is restricted to the UAE. International transfers and the remaining balance on closure can only go to one pre-registered, whitelisted international beneficiary account.
2.Open in the app.
3.No minimum balance.
4.Debit card included.
Application steps
1.Make sure you are in the UAE on a valid tourist or visit visa and have your passport with you.
2.Download the ADCB Mobile Banking App.
3.Tap New to ADCB? Start your journey.
4.Select Accounts and choose ADCB Instant Tourist Account.
5.Register one international bank account in your own name for transfers abroad.
6.Activate the digital debit card in the app.
Good to know
Good option for
Visitors staying for weeks or months who want a local dirham account and card, and can keep AED 2,500 in it to avoid the monthly fee.
Consider another account if
You hold a UAE residence visa, or you want savings products, a cheque book or credit. None of these is available with the tourist account.
How long the account lasts
The account stays open until the earliest of three events: your visa stops being valid, ADCB is notified that you have left the UAE, or six months pass. A seven-day grace period applies. It is then blocked and closed. If you obtain a UAE residence visa, the tourist account must be closed and a new resident account opened.
Getting your money out
When you open the account you register one bank account abroad, held in your own name. International transfers can go only to that account, and when the tourist account closes, any balance left is sent there too. Currency conversion applies to that transfer, so exchange rate movements affect the amount you receive.
Frequently asked questions
Get answers to common questions about the ADCB Instant Tourist Account