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Non-Salary Transfer Islamic Personal Finance for UAE Nationals

Non-Salary Transfer

Whether it is for a new home, travel abroad or a wedding, our personal finance offering for UAE Nationals is designed to meet the needs of all Emiratis. Our non-salary transfer personal finance means you do not need to transfer your salary to a FAB account to get personal finance.


  • High finance amounts of up to AED 1 million for UAE Nationals with flexible payment terms of up to 48 months (or up to 60 months for Ministry of Defence employees)
  • Lowest-in-class profit rates starting from 2.90%* per year (equivalent to a reducing balance rate of 5.49%* per year)
  • A salary transfer to a FAB account is not required, and you can pay your instalments from the bank account into which you receive your salary each month
  • Personal finance is available even if your employer is not on FAB Islamic’s Approved List of Employers
  • Comprehensive life Takaful coverage


  • Minimum monthly income of AED 25,000
  • Minimum of 18 months service with current employer
  • Applicant should be 21 years of age or older
  • Only for UAE Nationals

Required documents

  • Copy of a valid passport/Emirates ID (originals must also be presented)
  • Bank statements for the last six months showing salary credits (if salary is not credited to a FAB account)
  • Salary certificate addressed to FAB
  • Application form

*Terms and conditions apply

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FAB Islamic

800 2200

Lines Open 24/7


+971 2 499 6299


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First Abu Dhabi Bank P.J.S.C

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