Minimum age
18 years
FAB Etihad Guest Account
FAB Etihad Guest Account is a dirham current account that earns Etihad Guest miles on debit card spending and on your balance. It has no minimum balance.
At a glance
Key facts
Minimum BalanceNo minimum balance
Account TypeCurrent
Account access
Debit card included.
Salaried customers require a minimum monthly salary of AED 10,000; non-salaried customers require an initial deposit of AED 10,000. Average monthly balance of AED 10,000 is required to earn FAB Rewards or Etihad Guest Miles.
Open in the app.
The FAB Etihad Guest Account is a dirham current account for people who collect Etihad Guest miles, the frequent flyer currency of Etihad Airways. Day to day it works like any current account: salary in, spending out through a free Etihad Guest Platinum debit card and a cheque book. The difference is that card purchases earn miles. You get 2 miles for every AED 10 spent in dirhams, 2.5 miles for every AED 10 spent in a foreign currency and 4 miles for every AED 10 spent with Etihad or its airline partners.
The account has no minimum balance and pays no interest. Entry is the same as for the FAB One Account: a monthly salary of at least AED 10,000, or a first deposit of AED 10,000 if you are not salaried.
Who can open it
Residency
UAE resident
Fees and balance
Holding the account is free at any balance. The only charge tied to the account itself is AED 105 if you close it within 6 months of opening.
Several everyday services come with a free monthly allowance. Cash withdrawals at FAB ATMs in the UAE are free without limit, and two withdrawals a month at other UAE banks' ATMs are free before the AED 2.10 charge applies. Four local transfers a month are free. FAB also waives its own fee on your first international transfer each month, when it is sent by SWIFT from the dirham account. Instant Transfers are not part of that waiver.
Minimum balance
None
Fall-below fee
Free
Account closure fee
AED 105
Charged only within 6 months of opening.
In plain words
- 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. More on this
Benefits
Etihad Guest Miles on Card Spending
Earn 2 miles per AED 10 spent in dirhams, 2.5 in foreign currency and 4 with Etihad or its partners.
Free Etihad Guest Platinum Debit Card
The card allows AED 20,000 of ATM withdrawals and AED 40,000 of purchases a day.
Free Monthly Transfers
Four local transfers a month are free, along with the first international remittance each month.
Two Free Withdrawals at Other UAE ATMs
Two cash withdrawals a month at non-FAB ATMs in the UAE are free. FAB ATMs in the UAE are free and unlimited.
Fully digital, no branch visit
Account opening
How to open
Before you apply
1.Salaried customers require a minimum monthly salary of AED 10,000; non-salaried customers require an initial deposit of AED 10,000. Average monthly balance of AED 10,000 is required to earn FAB Rewards or Etihad Guest Miles.
2.Open in the app.
3.No minimum balance.
4.Debit card included.
Application steps
1.Check the entry rule: AED 10,000 monthly salary, or AED 10,000 as a first deposit.
2.Apply on the FAB Mobile app, where the account opens instantly.
3.Keep your passport, residence visa and Emirates ID available, including the originals.
4.Supply proof of income and any other document the bank requests.
Good to know
Good option for
Etihad Guest members with a salary of AED 10,000 or more who would rather turn everyday card spending into miles than into points or cashback.
Consider another account if
You do not fly Etihad or its partners often enough to use the miles, you earn under AED 10,000 a month, or you want a foreign currency account. For points you can spend more widely, see the FAB One Account.
Miles on your balance
Your balance earns 1.5 miles for every AED 1,000 held, up to 5,000 miles a month. This applies only in a month when your average balance is at least AED 10,000. Below that average the account still works normally, it just earns miles from card spending alone.
Frequently asked questions
Get answers to common questions about the FAB Etihad Guest Account