Overview
ADCB, at a glance.
ADCB is a bank headquartered in the United Arab Emirates, regulated by Central Bank of the UAE. Business accounts cost AED 0–131 a month. Opening an account takes 3–5 days. Only UAE-licensed businesses. SmartStart needs signatories with a UAE residence visa and Emirates ID; the e-Business account is for Emirati and GCC nationals only.
Abu Dhabi Commercial Bank P.J.S.C. is a licensed bank in the UAE, regulated by the Central Bank of the UAE.
Why businesses pick ADCB
- Online transfers within the UAE for AED 1.05
- SWIFT transfers from AED 21 online, with 6 free a month on Gold (online) and Platinum
- No monthly fee on Gold and Platinum above their minimum balance
- SmartStart for start-ups with no minimum balance
- Accepts sole establishments and partnerships
Watch out for
- AED accounts only
- AED 10,000 needed to open a Gold or Platinum account
- AED 200 or AED 300 a month below an AED 50,000 or AED 100,000 average balance
- Opened with an ADCB team member, not fully online
- Only for businesses with turnover up to AED 5 million; larger ones go to Commercial Banking
Business fit
Will ADCB accept your business?
Four quick answers. Where your company is registered and what it does rule a provider in or out faster than anything else.
Based on ADCB's published rules
Likely no
ADCB does not list United Kingdom among the countries where it accepts companies.
ADCB does not publish a minimum company age or turnover, so those two answers are not checked here.
This is one provider. Your profile checks all of them.
- Every provider that fits your business
- The reason behind each match
- Company age and turnover checked too
Who it works with
Accepted and not accepted.
What ADCB publishes about the businesses it takes on.
Who ADCB serves
- Startups and SMEs
- Freelancers
- Professional services
Not supported
Industries and countries ADCB does not accept, from its own published lists.
Industries
- Not published
Countries
- Not published
Coverage
Where can you use ADCB?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
AED only
Business Accounts are in AED; international transfers go out by SWIFT.
Payment reach
Not published
Who can apply
Company incorporation countries1 countries · show list
- United Arab Emirates
Owner nationality
Not publishedOwner residency
Not publishedCompany types
Limited liability companies, Partnerships, Sole establishments
Pricing
What does ADCB cost?
Look beyond the monthly fee. Your total cost depends on how many transfers you make, where they go and how much you convert.
Account cost
Opening fee
Not published
Monthly fee
AED 0–150
depends on plan
Business Account Gold
Lowest costAED 0 per month
Setup fee not published
Business Account Platinum
AED 0 per month
Setup fee not published
SmartStart
AED 131.25 per month
Setup fee not published
e-Business
AED 150 per month
Setup fee not published
Transaction fees
| Cost | Listed amount | How it is charged |
|---|---|---|
| Outgoing | ||
| SWIFT / international | AED 21 | Fixed fee · Online; first 6 a month free on Gold (online) and Platinum; AED 78.75 at the counter; AED 105 more for OUR |
| Local transfer to another bank | AED 1.05 | Fixed fee · Online transfer within the UAE; AED 52.50 at the counter |
Other fees
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | Not published |
Cards
| Cost | Listed amount | How it is charged |
|---|---|---|
| Card FX | 2.49% | Percentage of the amount |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Request a call back
Fill in the online form, SMS 'BCA' to 2626, call or visit a branch.
- 2
Meet the team
An ADCB team member contacts you about the company and the account.
- 3
Documents
Provide the trade licence, MOA or partnership deed, board resolution, IDs of signatories, partners and owners, address proof and tenancy contract.
- 4
Account live
Make the opening deposit and start using the account and debit card.
Documents you need
- Trade licence and commercial registration (as applicable)
- Power of attorney (if applicable)
- Passport or Emirates ID of authorised signatories, partners and ultimate beneficial owners
- Company address proof
- Partnership deed, Memorandum of Association and board resolution authorising the account
- Valid tenancy contract
FAQ
Your questions, answered.
Is ADCB a bank?
Yes. Abu Dhabi Commercial Bank P.J.S.C. is a licensed bank in the UAE, regulated by the Central Bank of the UAE, licence 01.01.01.040.1985.01.
How much does an ADCB business account cost?
Business Account Gold and Platinum have no monthly fee above an average balance of AED 50,000 or AED 100,000; below it they cost AED 200 or AED 300 a month. SmartStart costs AED 125 plus VAT a month with no minimum balance.
Which currencies does ADCB offer?
Business Accounts are in AED only. International transfers go out by SWIFT from AED 21 online.
Who can open an ADCB business account?
UAE-licensed limited liability companies, partnerships and sole establishments with annual turnover up to AED 5 million.
Alternatives
How ADCB compares.
If ADCB is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 ADCBThis pageBank |  | Small businessesAED |
 First Abu Dhabi BankBank | | Multi-currencyDigital opening |
 Emirates NBDBank |     +4 | Business packagesVisa debit card |
 RAKBANKBank | | SME banking4 currencies |
 MbankBank | | No minimum balanceAED only |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.