• FAB Mobile - From the Home Page, go to Personal Profile and tap 'Personal Details' to update Emirates ID information. Upload your new documents using the 'Documents' tab.
• Online Banking - Select Profile name, and under personal details, update Emirates ID information. Upload your new documents using the 'Documents' tab.
• SMS - SMS 'EMID {space } your Emirates ID number' to 2121. e.g. EMID 784198212345670

"Dormant" is a status of the account which becomes effective when the account holder has had no financial or non-financial transactions and has had no contact with the bank for a period of three years. A customer’s account status is changed into “Dormant” and becomes inactive. “Dormant” account status is applicable at individual account level.

For example: If you have a single or multiple account(s) and there has been no transactions/contact for a period of three years, then the Customer and respective account(s) will be considered "Dormant”.

Examples on Non-financial transactions: Balance Inquiry via ATM, Successful login to Internet banking/Mobile banking, Authenticated calls to Contact Centre - PIN verified calls through Integrated Voice Recording (IVR).

Please note that, “Dormant” is a status which is applied to the accounts that meet the relevant criteria of no financial/non-financial transactions and no contact with the bank as explained above. Any other products, services including any joint accounts would not be impacted unless they become “Dormant” on their own.

When an account turns into “Dormant” status, access to these accounts will be restricted, including preventing withdrawal. Customer would need to contact the Bank and complete the Bank’s Identification and Verification (ID&V) processes in order to get the account status into “Active” before any transactions can be carried out, including balance inquiry.

Once the account status is changed into “Dormant” following a no financial/non-financial and no contact period of three calendar years, the accounts would be subject to a review by the Bank at the end of a further two- year period. At the end of five calendar years in total, if the customer has had no contact with the Bank and/or the account remains unclaimed, the account will be subject to review and closure. Ay unclaimed funds will be transferred to the Central Bank of UAE as per the regulatory obligations of the Bank under the Dormant Account Regulation 2020, Article 8.

Yes, a communication is sent three months prior to the account being marked as “Dormant”.

Yes, a communication is sent once the account is turned into “Dormant” status.

Please contact our Call Center at 600 52 5500, or your Branch or Relationship Manager to follow the necessary process to re-activate your account status.

Please contact our Call Center at 600 52 5500, or your Branch or Relationship Manager to follow the necessary process to re-activate your account status.

• 24-hour Contact Centre - Call 600 52 5500 (within UAE), +971 2 681 1511 (outside UAE).
• FAB Mobile - Go to the 'Cards' tab and select option 'Block & Replace' from the menu.
• Online Banking - Select 'Credit Cards' and select option 'Block Credit Card' below the card details.

If you are an existing Online Banking user, you will need to create a new login password as follows:

• Visit the official FAB website www.bankfab.com, click "Log in" and select "Personal Online Banking (UAE)"
• Enter your Customer ID number / debit / credit card number
• Enter the One Time Password (Split OTP) – 3 digits sent to your registered mobile number and 3 digits sent to your registered email address (in a password protected PDF attachment)
• Create a new password

To see a short video on the Online Banking service, please click here.

• FAB Mobile - Tap 'Apply for a new product' on the menu under your Personal Profile.
• Our website
  Accounts
  Cards
  Loans
  Mortgages
  

You can simply make your request by:

• Applying through the FAB Mobile app. You can also upload the required documents through the app.

• Emailing here2help@bankfab.com by using the email address you have registered with FAB

• Remember to include all of the required documents in your email. Requests without required documents will not be processed.

Once you have made your request. You will receive a response by SMS. If approved, you will be notified how many months your deferral was approved for.

• FAB Mobile: From the Home Page, select 'Cards' tab and scroll down to 'Quick Cash' tab.
• Online Banking: Select 'Services' and under 'Credit Cards', click on 'Quick Cash' tab.

For customers, we recommend replacing visits to our branch or office with alternatives available to use remotely at home.

Alternative channels include:

• ATMs: Use your FAB debit card to withdraw cash from any ATM for any bank in the UAE, at AED 1.5 per transaction until 31 December 2020
• Cash Deposit Machine
• Mobile app
• Online banking
• payit

Updates on branch services

 In line with the measures we are taking in response to the COVID-19 coronavirus, we have discontinued a number of banking services in our branches and contact centres, these include:

• Funds transfers within the UAE (within FAB and to other banks)
• Funds transfers to non-UAE banks
• Activating a new card
• Updating your email address
• Updating your mobile phone number
• Updating your Emirates ID details
• Requesting a new cheque book
• Downloading an e-statement

You can continue to access these services through the mobile app and online banking portal.

Updates on business banking services

• Cash deposits will only be made through ATMs, with no coins allowed until further notice
• We encourage you to make cash withdrawals through ATMS wherever possible, where no fees will be incurred until 31 December 2020
• Cheque deposits are to be made through Smart Cash Deposit Machines and Cheque Drop Boxes
• We kindly ask you to minimise visits to the branches where possible, and to use alternative banking channels

Complete your banking requirements safely and securely with FAB’s mobile and online banking services

We would also like to remind you of the other services that you can access on your mobile app, safely and securely – anywhere and anytime:

• Seeing all of your accounts in one view
• Getting your latest balance and transactions
• Making a payment to a new beneficiary
• Paying bills and set up standing orders
• Converting credit card transactions into an easy re-payment plan
• Instant processing of your credit card balance transfers and Quick Cash requests
• Checking your credit card minimum payment due
• Checking your credit card payment due date

Download the FAB mobile app at App Store or Google Play Store

Yes. In addition, we have provided the following benefits for any new customer:

• We will continue to grant loans and credit cards to all customers based on our existing policies and will offer up to a 90-day grace period for the first instalment
• New personal loans starting from 3.99% per year introductory variable rate – the most competitive rate in the market.
• New mortgage loans for property purchase and buyouts of existing loans with flexible interest rates and options to fix your rate for 10 years.
• Free balance transfer to a FAB credit card. Transfer a credit card balance from a non-FAB credit card to a new FAB credit card, with repayment of the balance (in instalments) at 0% interest for 12 months

• FAB will postpone up to three months of instalments for all loan types with no fees
• We are offering SMEs special re-payment restructuring of working capital facilities, to ease current cash flow disruptions and help sustain business operations
• We will continue to grant loans to all customers based on the existing policies and will support them by offering up to a three-month grace period for the first instalment with lower pricing
• For qualifying SME micro and small merchants, we will also reimburse 50% of the monthly transaction fees on Point of Sale (POS) service charges 
• Fees for loans under the Ghadan 21 initiative have been reduced. FAB is also reducing or suspending a wide range of fees to help businesses manage their accounts 

For more information please contact your Relationship Manager or our contact centre and your Relationship Manager will get back to you to offer support for your specific circumstances. FAB terms and conditions apply.  

We have reduced the down-payment of owner-occupied properties for first-time buyers from 25% to 20% (and from 20% to 15% for UAE nationals). The reduction in down-payment is not available for commercial properties and is limited to first-time buyers.

Learn how to:

• Add a beneficiary here
• Make an International transfer here 
• Transfer within the UAE here

• FAB Mobile - From the Home Page, select the 'Cards' tab , and scroll down to option 'Balance Transfer'.
• Online Banking - From the main page, select 'Services' tab under Credit Cards, and then select option 'Balance Transfer'.

• FAB Mobile - From the Home Page, go to 'Personal Profile' and tap 'Personal Details' to edit your information.
• Online Banking - Select 'Services', go to 'Other Services' and click on 'Update Mobile Number'.
• Telephone banking (IVR) - Call 600 52 5500 (within UAE) | +971 2 681 1511 (outside UAE).
  Select the language option, press 2 (Credit Cards) and press 7 (Mobile Number Change) OR select the language option, press 3 (Accounts and Loans) and press 4 (Mobile Number Change).
• FAB branch - Ask our representative at your nearest branch. You'll find the complete list here.

• FAB Mobile - From the Home Page, go to Personal Profile and tap 'Personal Details' to update Emirates ID information. Upload your new documents using the 'Documents' tab.
• Online Banking - Select Profile name, and under personal details, update Emirates ID information. Upload your new documents using the 'Documents' tab.
• SMS - SMS EMID {space} your Emirates ID number to 2121. e.g. EMID 784198212345670

• FAB Mobile - Go to the 'Cards' tab, select the card and scroll down to 'Download E-statements' tab.
• Online Banking - Select 'Credit Cards', then select the card and click on 'Download Statement' tab.

The Virtual Agent uses secure multifactor authentication through voice biometric recognition. You simply call the IVR from your registered mobile number and say “My voice is my password” to continue conversing with our virtual agent. To register yourself for voice biometric, please click here.

Please call our Telephone Banking Services on 600 525 500.

You no longer need to navigate menu system to access the information within the IVR. You simply need to state the reason for your call and our Virtual Agent will understand and provide you with the respective solution.

• FAB Mobile - From the Home Page, go to 'Personal Profile' and under 'Documents', select 'Add a New Document'. Tap 'Passport' from the drop down menu and upload your document. You can do the same for the Visa.
• Online Banking - Click on your Profile name and select 'My Documents'. From here, select 'Add New Document', choose 'Passport' from the drop down menu and upload the document. You can do the same for the Visa.
• FAB branch - Ask our representative at your nearest branch. You'll find the complete list here.

The Virtual Agent can provide you with additional services after completing your original service request. For example, after credit card balance, you can request for statement, by simply saying I need my credit card statement, then move on to activate your new credit card or block a card on a single call.

• Deposit Amount - AED 3000*
• Small - AED 750 per year*
• Medium - AED 1000 per year*
• Large - AED 1,500 per year
• Extra Large - AED 2,000 per year

*Please note charges have been revised with effect from 15-July-2017.

• Network of branches

  With a network of over 100 branches, located strategically across the UAE, we are always there to assist you.

• Branch opening times

  Most of our branches are open from Sunday to Thursday from 8:00 am to 1:30 pm, with many other branches serving you for extended hours.

• Facilities and services

  Whether you want to open an account, deposit a cheque, pay a utility bill or apply for a mortgage, our branch staff will be happy to assist you.

• International branches

  With 60 branches across 17 countries including the GCC, Egypt, France, the United States, and the United Kingdom, you can bank on us whether you are living in the UAE or traveling abroad.

• Elite Gold and Business Banking

  We offer dedicated business banking services at some branches in addition to Elite Gold Lounges at many of our main branches.

• Find the branch closest to you

  To locate the branch closest to you, please visit our Branches and ATMs finder page.

• If you have previously applied for and / or received a repayment deferral in April and or May 2020, you are eligible to reapply for a cumulative of three months of further financial assistance if you meet the criteria listed above, and upload the required documents with your request.
• If you are not eligible for a three-month deferral, you can apply to defer your loan repayment through the regular deferral process. In this instance, you will receive a one-month deferral of your repayment and will be expected to pay deferral fees. Approval of the deferral will be subject to the standard FAB Deferral Policy.
• You need to contact us at least seven working days before your next repayment is due.
• If you apply after the seven working days, you deferral request will be processed for the following month
• You will need to continue to pay the monthly insurance premium associated with your loan/credit card

Deferrals may be approved based on customers who have been directly impacted as listed below and are able to provide evidence and documentation as also listed below:

• Positive test for COVID-19 (will need to provide a medical certificate, SEHA notification or government recognised health facility notification)
• Reduced income or salary including:
  • Salaried individuals with a reduction in salary by 20% or more (will need to provide at least two latest payslips showing a reduced salary)
  • Salaried individuals put on unpaid leave (will need to provide a letter/ email from their employer stating they are on unpaid leave)
  • Self-employed individuals with reduced cash flow and / or income by 20% or more (will need to provide bank statements, evidence of reduction in rental income, evidence of reduction in monthly VAT)
• Customers who have lost their job or source of employment (will need to provide letter from their employer)
• Investors or landlords with estate financing / mortgages who have a reduced rental income as a result of tenants not be able to pay rent or an increase in vacancies (will need to provide Tenancy Contract Reports / confirmation from property management companies on reduced rentals / letter and cheque copies from tenants showing a reduced rental).

All required documents need to be available and ready to be uploaded prior submitting the repayment deferral request. Requests without required documents will not be processed.

• Predictive statement (Statement generation, credit card payment, salary credit alert)
• Balance Enquiry
• Card Blocking
• Email Statements
• Card Activations
• PIN Change
• Last 5 transactions information)

Speak naturally!. As an example, if you are calling to enquire about your credit card balance, you can simply say:

“I want to know my credit card balance” or “I want to know my credit card outstanding.” Or “I want my statement to be sent to me by email”.

At the end of each inquiry, you can ask the Virtual Agent to “Repeat” the information to hear it again before you move on to the next service or inquiry.

The Virtual Agent has inbuilt intelligence to understand the nature of service you require and route to a relevant channel such as self-service or a Customer Service Agent.

The new Online Banking service provides you with a wide range of features, including:

• View and download your account/credit card statements
• View unbilled transactions for debit cards and credit cards
• Requesting new cheque books
• Debit card and credit card activations and PIN resets
• Updating your personal details such as Emirates ID details, account / credit card email address and mobile number
• Fund transfer service (within own accounts, other FAB accounts, other banks within the UAE, international transfer, SMS cash transfer, credit card payments and charity)
• Instant and automatic utility bill payments to AADC, ADDC, DEWA, du, Etisalat, FEWA, SALIK and SEWA
• Set up future dated and recurring money transfers
• Apply for other banking products
• Beneficiary creation and payments
• Instant remittance transfers with live foreign exchange rates to India
• A single view of your investment portfolio, including mutual funds
• Instant charitable donations
• Convert your eligible credit card transactions into an easy payment plan
• Instant processing of credit card balance transfers and quick cash requests
• Requesting loan payment deferrals
• Instant iSave account opening
• Instant term deposit booking
• Available in English and Arabic

• The option to update your mobile number, email or Emirates ID details at our ATMs
• Contactless ATMs so you can just tap your Visa or Mastercard card for a quicker, more secure transaction –you will not need to insert your credit or debit card
• Emirates ID verification for cash deposit transactions by inserting your Emirates ID into the ATM/CDM’s card reader when prompted
• AED 1000 notes available for withdrawal
• The option for non-FAB customers to change and unblock their VISA PINs at a FAB ATM
• Displaying the exact amount required to reload a prepaid card

• Cash withdrawal
• Cash deposit to account
• Cheque deposit
• Balance enquiry
• Mini statement
• Credit card payment
• Making utility bill payments to AADC, ADDC, DEWA, Du, Etisalat, FEWA, SALIK, SEWA
• Charity payments (Zakat)
• Cheque book request
• PIN change
• Prepaid card top-up
• eDirham card top-up
• eDirham card – set and change passcode
• SMS cash

Abu Dhabi

• FAB One Tower
• Khubeirah
• Corniche
• Al Bateen
• Sheikh Rashid Road
• Al Etihad
• Business Park

Al Ain & Al Dhafra Region

• Al Ain New
• Madinat Zayed

Dubai

• Dubai Health Care City
• Mirdiff
• Sheikh Zayed Road
• Jumeirah Umm Suqeim

Sharjah & N.E

• Sharjah Main
• Al Riffa RAK
• Khorfkhan
• Fujairah
• RAK Main

• We process requests submitted before 4 p.m. on a working day, on the same day.
• We process requests submitted after 4 p.m or on a bank holiday, on the next working day.

The Virtual Agent is powered by Artificial Intelligence and utilises a combination of Machine Learning and Natural Language Understanding to get a sense of your word choices and infers their intent by examining the context of the call. Its Machine learning capabilities becomes more intuitive the more you interact with it. So, go ahead, experience the virtual agent who is ready to help you find answers and direct you to the right solutions.

• We have also removed foreign transactions fees for cancelled hotel and airline booking in foreign currencies.
• You can transfer a credit card balance from a non-FAB credit card to a new FAB credit card, with the repayment of the balance (in instalments) at 0% interest for 12 months