FAB Bank UAE

Overview

First Abu Dhabi Bank (FAB) is not only the largest bank in the UAE, but it is the support of the modern banking scenery in the country. Being the flagship of the financial institutions that emerged as a result of the merger between First Gulf Bank (FGB) and National Bank of Abu Dhabi (NBAD) in 2017, FAB represents the vision of the UAE in terms of innovation, leadership in the global market, and customer-oriented finance.

FAB operates in Abu Dhabi, Dubai, Sharjah, Ajman, Ras Al Khaimah, Fujairah, and Umm Al Quwain and provides full-service banking that unites residents, businesses, and investors by providing secure and efficient banking, and prioritizing it digitally. AB headquartered in Abu Dhabi is the financial heartbeat of the Emirates – liberating progress, sustainability, and inclusion.

FAB Bank’s Role in the UAE Economy

FAB has a pivotal role in the development of the UAE. It funds infrastructure developments, provides small and medium scale enterprises (SMEs), and provides a personalized solution to retail and corporate customers. Today, FAB has millions of customers in 70 plus branches, 900 plus ATM/CDM locations, and a highly advanced digital platform that extends to the UAE and beyond.

Its financial health is captured in its AA- rating of credit by the leading rating agencies in the world such as Fitch and Moody. FAB also contributes to the Vision 2031 of the UAE, allowing it to transform digitally, include financial inclusion, and provide sustainable finance.

In a sense, FAB Bank UAE is not merely a service provider, but rather it is the strategic partner in all phases of economic and personal developments.

Branch Network Across the Emirates

FAB maintains one of the largest branch networks across the UAE to ensure every customer has access to personalized service, whether they live in busy business districts or quiet residential areas.

FAB’s hybrid approach — combining physical accessibility and digital banking — makes it one of the most convenient banks in the region.

FAB ATMs and CDMs Across the UAE

FAB has the widest network of ATMs and CDMs (Cash Deposit Machines) across the Emirates. These machines are equipped with multi-service options including cash withdrawals, instant deposits, bill payments, and international remittance links.

Popular ATM/CDM Locations

• Dubai Mall, Mall of the Emirates, City Walk
• Yas Mall, Marina Mall, Abu Dhabi Corniche
• Sahara Centre (Sharjah), Al Hamra Mall (RAK), Fujairah City Centre

FAB ATMs integrate with the UAE SWITCH and GCCNET networks, ensuring convenient access for regional and international cardholders.

FAB Digital Banking: Banking for the Future

FAB is a leader in digital transformation. The bank’s ecosystem connects mobile, web, and AI-based tools to deliver fast, secure, and customized services.

FAB Mobile App

The FAB Mobile App offers everything from digital onboarding to investment tracking. It’s designed for both residents and expats seeking modern financial control.

App Highlights:

• Instant account opening
• Biometric and facial recognition login
• Real-time fund transfers (local and international)
• Card controls and payment scheduling
• Bill payments (Etisalat, DEWA, SALIK, and more)

FAB Online Banking

FAB’s online banking portal is optimized for desktop users. You can review statements, transfer funds globally, open deposits, or apply for loans from anywhere.

Security Features:

• Two-factor authentication
• Transaction alerts via SMS and email
• 256-bit encryption technology

FAB’s seamless integration between mobile and web ensures customers enjoy consistent digital experiences.

FAB Personal Banking Services

FAB offers multiple personal account options designed to suit every income level and lifestyle in the UAE.

Each account includes access to FAB Rewards, where users earn loyalty points for spending and can redeem them for travel, dining, and cashback.

FAB Business Banking: Empowering Entrepreneurs and Corporates Across the UAE

FAB’s Business Banking division is a cornerstone of the UAE’s thriving economic landscape, providing comprehensive financial support to small and medium enterprises (SMEs), startups, and multinational corporations. Recognizing that businesses face unique challenges — from managing day-to-day cash flow to navigating complex regulatory requirements — FAB offers a suite of tailored banking solutions designed to streamline operations, enhance liquidity, and foster sustainable growth.

By combining traditional banking expertise with cutting-edge digital tools, FAB ensures that business clients can focus on expansion, innovation, and competitive performance. Whether a business is operating in Dubai’s bustling commercial districts, Abu Dhabi’s financial hubs, or emerging markets across the Emirates, FAB’s services provide reliability, flexibility, and compliance with UAE regulations.

Comprehensive Business Solutions Offered by FAB

FAB’s Business Banking portfolio is designed to address the full spectrum of corporate needs:

1. Current Accounts
FAB current accounts provide businesses with a robust platform to manage payments, receipts, and international transactions efficiently. Multi-currency support allows companies to conduct seamless trade with partners worldwide, while integrated reporting tools give business owners and financial managers full visibility over their accounts. These accounts are particularly advantageous for businesses dealing with imports, exports, or global supply chains.

2. Trade Finance
Trade finance services enable businesses to expand internationally while minimizing risk. FAB offers letters of credit, bank guarantees, and supply chain financing solutions that ensure secure import and export transactions. By facilitating smooth cross-border operations, FAB allows UAE businesses to grow their international presence with confidence, while maintaining control over cash flow and working capital.

3. POS Solutions for Retail and E-Commerce
FAB provides advanced Point-of-Sale (POS) systems to help retail stores and online businesses accept payments securely and efficiently. Features include multi-currency acceptance, integration with digital wallets such as Apple Pay, Google Pay, and Payit, and real-time transaction reporting. These systems empower businesses to deliver convenient and seamless payment experiences to their customers, enhancing customer satisfaction and retention.

4. WPS Payroll Solutions
FAB’s Wages Protection System (WPS) ensures compliance with the UAE Ministry of Labour regulations. By automating salary processing and providing detailed payroll reports, the system streamlines HR operations, reduces administrative overhead, and enhances transparency. This solution is particularly valuable for SMEs with growing workforces, enabling them to manage employee payments securely and efficiently.

Corporate Digital Banking Platforms

Beyond traditional banking services, FAB offers state-of-the-art digital banking platforms designed for large enterprises and multinational organizations. These platforms allow companies to:

• Monitor multi-currency accounts in real time
• Execute cross-border payments and manage international trade efficiently
• Track liquidity and optimize cash flow with advanced analytics and reporting tools
• Maintain high security standards for all digital transactions

By providing businesses with real-time insights and complete control over financial operations, FAB’s digital banking platforms help enterprises make informed decisions, respond quickly to market changes, and scale operations with confidence.

FAB Credit Cards: Designed for Every Lifestyle

FAB’s credit card suite is one of the most comprehensive in the UAE.

All cards are enabled for Apple Pay, Google Pay, and Samsung Pay, ensuring seamless contactless payments.

Loans and Financing Solutions

FAB offers flexible lending options designed for UAE residents and businesses.

Personal Loans

• Fast approvals for salary transfer customers
• Interest rates as low as 3.99%
• Flexible repayment up to 48 months

Auto Loans

• Financing up to 80% of car value
• Instant pre-approval through the FAB Mobile App

Home Loans

• Financing up to 85% for UAE residents
• Fixed and variable rate options

Business Loans

• Working capital and equipment financing
• Islamic and conventional structures available

FAB’s financing products are built on transparency — with clear charges and flexible repayment terms.

FAB International Presence

FAB’s global reach extends beyond the UAE. It operates in over 15 countries, including:

• Saudi Arabia
• Oman
• Egypt
• France
• United Kingdom
• Singapore
• United States

Its international network supports UAE-based businesses and expats by offering cross-border financing, trade support, and global remittance capabilities.

FAB Programs and Initiatives: Driving Innovation, Sustainability, and Inclusion

FAB Bank goes beyond traditional banking by implementing initiatives that foster innovation, financial literacy, social responsibility, and sustainable development in the UAE. These programs are carefully designed to meet the diverse needs of residents, businesses, and the younger generation, reflecting FAB’s commitment to the nation’s economic and social progress.

1. FAB Rewards Program

The FAB Rewards Program is one of the most popular loyalty schemes in the UAE, tailored for everyday banking users, business clients, and premium account holders alike. This program enables customers to earn reward points on nearly every transaction, including card purchases, bill payments, and even utility services.

Key Features:

• Point Accumulation: Earn points for debit and credit card spending, online purchases, and selected merchant payments.
• Redemption Options: Points can be redeemed for a wide range of rewards, including airline tickets, hotel stays, shopping vouchers, electronics, and cashback.
• Tiered Benefits: Premium account holders enjoy higher earning rates, exclusive deals, and early access to limited offers.
• Integration with Mobile Banking: Customers can track their points, redeem rewards, and view promotions directly through the FAB Mobile App.

The FAB Rewards Program not only encourages responsible spending but also enhances customer engagement by providing tangible benefits for loyalty. For expats and frequent travelers in the UAE, this program offers a convenient way to offset travel and lifestyle expenses while maximizing the value of their banking relationship.

2. Sustainable Banking Program

FAB is a pioneer in sustainable finance in the UAE, actively supporting environmental and green initiatives through its Sustainable Banking Program. This initiative reflects the UAE’s Net Zero 2050 commitment, aiming to reduce carbon emissions and support renewable energy infrastructure.

Highlights of FAB’s Sustainable Program:

• Green Bonds: FAB issues bonds that fund renewable energy projects, including solar power plants, clean transportation, and energy-efficient real estate.
• Sustainable Investment Products: Customers and businesses can invest in ESG (Environmental, Social, Governance) portfolios backed by FAB, aligning personal wealth with eco-friendly values.
• Corporate Partnerships: FAB collaborates with UAE-based government entities, developers, and corporates to finance projects that meet strict sustainability criteria.
• Recognition: FAB has received multiple awards for leadership in green finance, highlighting its commitment to creating a low-carbon economy.

Through this program, FAB not only finances growth responsibly but also encourages UAE residents and businesses to participate in sustainable development, creating long-term economic and environmental benefits.

3. Emiratisation and Local Talent Development

FAB is committed to nurturing Emirati talent and supporting the UAE’s broader Emiratisation goals, which aim to increase the participation of UAE nationals in the workforce. The bank has implemented several initiatives to develop leadership skills, technical expertise, and financial acumen among Emirati professionals.

Key Components:

• Leadership Development Programs: Targeted programs for high-potential Emirati employees include mentorship, global exposure, and advanced management training.
• University Partnerships: FAB collaborates with top UAE universities to provide internships, scholarships, and industry-led training programs.
• Career Growth Opportunities: Emirati employees are given accelerated career paths in areas such as corporate banking, wealth management, and digital finance.
• Community Engagement: Employees are encouraged to participate in CSR and community outreach programs, fostering a sense of national pride and social responsibility.

This focus on local talent not only strengthens FAB’s workforce but also ensures that the UAE has a financially skilled and capable generation of professionals, prepared to drive innovation and growth in the banking sector.

4. FAB Youth Account

FAB recognizes that financial literacy and early banking habits are critical for young residents in the UAE. The FAB Youth Account is specifically designed for students and young professionals, providing a gateway to financial independence while teaching responsible money management.

Features of the FAB Youth Account:

• Digital Onboarding: Students and young adults can open accounts easily via the FAB Mobile App or online banking platforms.
• Zero Minimum Balance: The account is accessible without financial barriers, encouraging young users to start saving early.
• Educational Resources: FAB provides tutorials, workshops, and in-app guidance on budgeting, spending, and savings strategies.
• Debit Card Access: Youth account holders receive a debit card with contactless payments, enabling safe and convenient transactions.
• Rewards for Positive Habits: Young account holders earn points for savings milestones, responsible spending, and completing financial education modules.

The FAB Youth Account is particularly valuable for expat students and young professionals, providing a seamless entry into banking in the UAE while encouraging smart financial habits from an early stage.

FAB Bank Customer Care UAE: 24/7 Support Across All Services

FAB Bank UAE provides round-the-clock customer service to ensure that individuals, businesses, and expats have seamless access to banking assistance whenever needed. Whether you are managing personal accounts, business payments, or digital wallets, FAB’s support infrastructure covers all key areas.

General Banking Services are available through the main UAE hotline at 600 52 5500 and for international customers at +971 2 6811511. Customers can also locate the nearest branch or ATM through the FAB website or mobile app, ensuring banking support is always within reach.

For National Housing Loan (NHL) inquiries, FAB offers dedicated lines at 600 56 0137 within the UAE and +971 2 4996111 for international callers. This service provides guidance for home financing, repayment schedules, and mortgage-related questions, making housing solutions straightforward and transparent.

The e-Dirham support line (600 50 0201 UAE / +971 2 4996125 International) assists users with government payment cards, ensuring smooth transactions for services like utility payments and municipal fees.

FAB also manages payroll and salary services through Ratibi Payroll Card support at 600 52 2298 (UAE) and +971 2 4996279 (International). This service ensures employees and businesses can resolve card-related issues efficiently.

For digital payments, the Payit wallet offers a dedicated helpline at 600 54 3329 (UAE) and +971 2 4996411 (International), helping users navigate mobile transfers, wallet top-ups, and peer-to-peer payments securely.

Merchants using POS (Point of Sale) systems can access support at 02 410 4888 (UAE) or +971 2 4104888 (International). This line addresses card machine setup, transaction disputes, and operational queries to keep business payments running smoothly.

Finally, FAB Islamic Banking clients can reach specialized support at 800 2200 (UAE) and +971 2 4996299 (International). This service caters to Sharia-compliant accounts, investment products, and financial solutions tailored for Islamic banking customers.

By maintaining dedicated lines for each service, FAB ensures that all banking needs — from personal finance to business solutions — are addressed efficiently and professionally. The integration of 24/7 support, both locally and internationally, demonstrates FAB’s commitment to providing accessible and reliable banking throughout the UAE and beyond.

The AIDA chatbot in the FAB Mobile App is one of the UAE’s smartest virtual banking assistants, capable of handling account queries and payment requests instantly.

FAB’s Role in Digital Transformation and AI Banking

FAB is among the first UAE banks to integrate AI and machine learning for fraud detection, predictive analytics, and personalized product offers. The bank collaborates with global fintech partners to bring innovation directly to its users.

The FAB Innovation Lab in Abu Dhabi is dedicated to developing blockchain solutions, open banking APIs, and digital identity frameworks to shape the future of UAE banking.

Corporate Social Responsibility (CSR)

FAB champions causes that contribute to a better UAE:

• Education: Scholarships for UAE students.
• Environment: Partnerships for clean energy.
• Community: Support for social inclusion programs.

The bank regularly donates to healthcare and education funds, reinforcing its image as a socially responsible institution.

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Why FAB Bank UAE Leads the Market

FAB dominates the UAE’s banking landscape due to:

• Its financial stability and innovation
• Nationwide presence with digital-first convenience
• Wide range of products for retail, SME, and corporate customers
• Global partnerships that enable seamless international banking

Whether you’re managing personal finances or scaling a multinational business, FAB provides a platform built on trust, speed, and future-ready technology.

Final Thoughts

FAB Bank UAE remains a symbol of financial excellence and national progress. It bridges traditional banking values with cutting-edge technology — ensuring customers across the UAE enjoy stability, flexibility, and access to world-class financial tools.

With a vision aligned to the UAE’s future and a strong foundation of trust, FAB continues to redefine what modern banking means in the Emirates.

Frequently Asked Questions (FAQ)

1. What does FAB stand for?
FAB stands for First Abu Dhabi Bank, the UAE’s largest and most trusted financial institution.

2. How can I locate a FAB ATM near me?
Use the FAB Mobile App or the ATM/CDM locator on FAB’s website to find nearby machines instantly.

3. What are FAB’s working hours?
Most branches operate from 8 AM to 3 PM, Monday to Friday. ATMs and digital banking are available 24/7.

4. Does FAB offer Islamic banking?
Yes, FAB provides Sharia-compliant products under FAB Islamic Banking for both individuals and businesses.

5. How can I contact FAB customer service?
Call 600 52 5500, use in-app chat, or visit your nearest branch for assistance.

6. What is the minimum balance for a FAB One Account?
The FAB One Account requires no minimum balance, offering cashback and salary transfer benefits.

7. Can I open a FAB account online?
Yes, FAB allows 100% digital account opening through its mobile app using Emirates ID verification.