Overview
Looking for an ADIB ATM near you? Whether you’re in a busy Dubai mall, a residential Abu Dhabi neighborhood, or a quiet corner of Fujairah, Abu Dhabi Islamic Bank (ADIB) ensures 24/7 access to cash withdrawals, deposits, bill payments, and smart self-service banking. This article gives a comprehensive guide to ADIB ATMs across the UAE, detailing their features, locations, and how they integrate seamlessly with ADIB’s growing digital ecosystem.
Read More: Discover our detailed UAE banking guides — from HSBC, Mashreq Bank , FAB balance checks, and Standard Chartered banking tools — all designed to help UAE residents manage their finances efficiently.
Why ADIB ATMs Are Essential in Today’s UAE Banking Landscape
While online banking dominates today’s financial world, physical ATMs remain an irreplaceable pillar of convenience. ADIB understands that customers value instant cash access, cheque deposits, and self-service banking without the need to queue at a branch.
Across the UAE, ADIB’s network of ATMs — spanning over 500 locations — ensures that every resident, business owner, and traveler has quick, Sharia-compliant access to their finances. Whether you’re managing your zakat payment, transferring funds, or depositing a cheque after business hours, ADIB’s ATMs deliver the reliability and security that define the brand’s reputation.
ADIB’s ATM Network Across the Emirates
Abu Dhabi: The Core of ADIB’s ATM Infrastructure
Abu Dhabi, being ADIB’s home base, houses the bank’s largest number of ATMs. You can find them in government buildings, commercial hubs, residential areas, and major shopping centers.
Some popular ATM locations include:
- ADIB Headquarters, Airport Road
- Yas Mall
- Al Wahda Mall
- Madinat Zayed Shopping Centre
- Khalifa City and Mussafah Industrial Area
These ATMs support cash withdrawal, balance inquiry, cheque deposit (via CCDMs), and instant bill payment.
Dubai: 24/7 Access Across the City of Innovation
Dubai’s ADIB ATMs are strategically placed to serve both residents and tourists. You’ll find them in major commercial districts, transportation hubs, and lifestyle destinations.
Top Dubai ATM points include:
- The Dubai Mall (Lower Ground)
- Mall of the Emirates
- Deira City Centre
- Sheikh Zayed Road – Emarat Atrium
- Al Barsha Mall
- Dubai Marina Mall
Many of these are multi-function ATMs, allowing for cash and cheque deposits, fund transfers, and Etisalat/Du bill payments directly from your ADIB account.
Sharjah: Combining Accessibility & Family Banking Convenience
Sharjah residents benefit from dozens of conveniently located ADIB ATMs, particularly in community malls and family-oriented districts.
Key locations include:
- Al Majaz Waterfront
- Al Buhairah Corniche
- Sharjah City Centre Mall
- Al Musalla Street
- Sharjah Industrial Area Branches
These ATMs are perfect for day-to-day transactions, salary withdrawals, and cash management for small business owners.
Northern Emirates: Coverage from Ajman to Fujairah
ADIB continues to strengthen its presence in the Northern Emirates by installing ATMs in areas often underserved by other banks.
You can find ADIB ATMs at:
- Ajman City Centre
- Sara Plaza, Ajman
- Al Manar Mall, Ras Al Khaimah
- Fujairah City Branch, Hamad Bin Abdullah Street
- Umm Al Quwain Corniche
Each location offers 24-hour accessibility, ensuring seamless service even on weekends or public holidays.
Types of ADIB ATMs & Self-Service Machines
ADIB’s ATM infrastructure isn’t just about cash withdrawals — it’s a multi-layered network of smart banking machines designed for modern customer needs.
1. Standard ATMs
Used for basic functions like:
- Cash withdrawal
- Balance inquiry
- Mini statement printing
2. CCDMs (Cash & Cheque Deposit Machines)
These self-service terminals allow users to:
- Deposit cash or cheques directly into accounts
- Pay utility and telecom bills
- Make Zakat or charity contributions instantly
3. Smart Teller Machines (STMs)
A hybrid of ATM and branch service — these machines provide over 90% of teller-based transactions without the need for human staff.
You can:
- Replace lost debit cards
- Print IBAN certificates
- Transfer between accounts
- Deposit large sums safely
4. Drive-Thru ATMs
Located in key spots such as Sheikh Zayed Road, Khalifa City, and Yas Island, drive-thru ATMs allow customers to access banking without leaving their cars — a convenience unique to the UAE’s fast-paced lifestyle.
Features That Make ADIB ATMs Stand Out
ADIB continuously invests in digital upgrades to enhance its ATM user experience. Key standout features include:
- Biometric Access: Select ATMs feature fingerprint authentication for added security.
- Multi-Language Interface: English and Arabic support across all units.
- Smart Cash Recycling: Enables efficient cash management within machines, reducing wait times.
- Real-Time Deposit Crediting: Deposits reflect instantly in most cases, even after banking hours.
- Accessibility Options: Audio-guided navigation and tactile keypads for customers of determination.
These innovations highlight ADIB’s commitment to inclusive and technologically advanced Islamic banking in the region.
ADIB ATM Services You Can Access Instantly
Here’s a closer look at what you can do at ADIB ATMs across the UAE:
- 💳 Cash Withdrawal (Local & International cards)
- 🧾 Balance Inquiry & Mini Statement
- 💰 Cash Deposit (via CCDM)
- 📄 Cheque Deposit
- 🔁 Account-to-Account Transfers
- 💡 Utility Bill Payments (DEWA, ADDC, SEWA)
- 📱 Mobile Recharge (Etisalat, Du)
- 🕌 Zakat & Charity Donations
- 🧍♂️ Card Replacement (Smart Teller)
- 🕓 24/7 Availability
This makes ADIB ATMs an all-in-one financial solution for residents, travelers, and businesses.
How to Find an ADIB ATM Near You
You can locate an ADIB ATM using several reliable methods:
- ADIB Website Locator:
Visit the bank’s official site, go to “ATM & Branch Locator,” and filter by emirate or district. - ADIB Mobile App:
Use GPS to find the nearest ATM, check machine status, and navigate there directly. - Google Maps Search:
Simply type “ADIB ATM near me” — Google displays verified machine locations, working hours, and even crowd levels. - Customer Service Hotline:
Call 600 543216 to ask for the nearest ATM or report any malfunction.
Security & Safety at ADIB ATMs
ADIB invests heavily in cybersecurity and physical ATM protection. All terminals are monitored round-the-clock through surveillance networks. Security features include:
- EMV Chip Card Authentication
- Anti-skimming Technology
- Transaction Alerts via SMS
- Geo-blocking for Overseas Usage
- AI Fraud Detection
Customers are also encouraged to cover the keypad when entering PINs and to immediately report suspicious transactions via the ADIB helpline.
ADIB ATM Availability During Ramadan & Holidays
During Ramadan and public holidays, most ADIB ATMs operate 24/7, even when branches close early. However, cash replenishment may vary by region. Mall-based ATMs remain the most reliable for consistent access during festive periods.
Integrating ADIB ATMs with Digital Banking
ADIB’s ATM network complements its award-winning mobile and online banking platforms. You can initiate a transaction online and complete it at the ATM, or vice versa.
For example:
- Start a transfer on the app → confirm cash deposit via ATM.
- Deposit a cheque → track clearance digitally.
- Pay bills → view receipts instantly in the mobile app.
This integrated ecosystem reflects ADIB’s drive toward a hybrid banking experience — digital in function, yet human in accessibility.
Accessibility for Customers of Determination
In alignment with the UAE’s inclusivity vision, ADIB equips many of its ATMs with:
- Voice-guided operation
- Braille keypads
- Low-height screens
- Wheelchair-friendly installation
Such features ensure every customer can access financial services with dignity and independence.
Troubleshooting Common ATM Issues
| Issue | Possible Cause | Solution |
|---|---|---|
| Card not ejected | Temporary system lag | Wait 30 seconds, then call 600 543216 |
| Deposit not credited | System sync delay | Funds usually appear within minutes |
| PIN blocked | Multiple incorrect entries | Reset via ADIB app or hotline |
| ATM not dispensing cash | Cash limit reached | Try another nearby ATM |
| Card swallowed | Security measure | Visit nearest ADIB branch with ID |
Frequently Asked Questions (FAQs)
Q1. How many ADIB ATMs are there in the UAE?
There are over 500 ADIB ATMs and CCDMs across the Emirates.
Q2. Can I deposit cheques in any ADIB ATM?
Yes, cheque deposits are accepted at all CCDM-enabled ATMs.
Q3. Are ADIB ATMs operational 24/7?
Yes, all ATMs and smart teller machines are available around the clock.
Q4. Can I pay bills through ADIB ATMs?
Absolutely. You can pay DEWA, ADDC, SEWA, Etisalat, and Du bills easily.
Q5. Do ADIB ATMs accept international cards?
Yes, most ATMs support Visa, Mastercard, and UnionPay cards.
Q6. Are there any fees for using ADIB ATMs?
No fees for ADIB cardholders. However, charges apply for other bank cards.
Q7. How can I find an ATM with cheque deposit?
Use the ADIB app or locator filter labeled “CCDM.”
Q8. What should I do if an ATM retains my card?
Immediately contact the helpline and block your card for safety.
Q9. Are drive-thru ATMs available in the UAE?
Yes, several are operational in Abu Dhabi and Dubai.
Q10. How soon are cash deposits reflected in my account?
Usually within minutes, even outside normal banking hours.
Final Thoughts
ADIB’s extensive ATM network bridges traditional convenience and digital innovation — giving UAE residents easy access to Sharia-compliant, 24/7 banking wherever they go. With over 500 ATMs, smart tellers, and CCDMs across every emirate, the bank continues to lead in convenience, security, and customer experience.
Whether you’re depositing cheques in Sharjah, withdrawing cash in Dubai, or paying a bill in Al Ain, ADIB’s ATMs are your trusted financial touchpoints across the UAE.
