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Frequently Asked Questions
What is the password to view my account e-statement attachment?
Your e-statement password is made up of the last four digits of your account number. 101XXXXX1234 followed by the day and month of your date of birth 01-02-1989 (DDMM). When you are prompted for password, the 8-digit password to be entered: 12340102.
How do I change or update my new mobile number or my email address in my bank records?
You can update your mobile number or email address through:
FAB Mobile - From the Home screen, tap the menu on the top right corner. Tap 'Edit Profile' and select the 'Personal Details' tab to to edit your information such as mobile number, email address and home address
Online Banking - Select 'Services', go to 'Other Services' and click on 'Update Mobile Number'
How do I update my Emirates ID in the bank records?
You can update your Emirates ID through:
FAB Mobile - From the Home screen, tap the menu on the top right corner. Go to the 'Edit Profile' option and select the 'Documents' tab. Tap 'Add a new document' and choose 'Emirates ID' from the menu to upload your new document
Online Banking - Select Profile name, and choose the 'Documents' tab to upload your new Emirates ID
How do I update my Passport/ Visa details in my bank records?
You can update your Passport or Visa information through:
FAB Mobile -From the Home screen, tap the menu on the top right corner. Go to the 'Edit Profile' option and select the 'Documents' tab. Tap 'Add a new document' and choose 'Passport' from the menu to upload your new document. You can do the same for 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
How do I get my IBAN details?
You can get your IBAN number through:
FAB website - Use our IBAN Generator tool
FAB Mobile -Find your IBAN number under your account details on the Home Page
What is a Dormant account and when does an account status change to Dormant?
"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.
What is the impact if my account status changes to "Dormant"?
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.
Will the bank notify me before my account status is "Dormant"?
Yes, a communication is sent three months prior to the account being marked as “Dormant”.
Will the bank notify me when my account status is "Dormant"?
Yes, a communication is sent once the account is turned into “Dormant” status.
How can I change my account status from Dormant to Active?
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.
How can I reclaim the funds transferred out my account due to Dormancy?
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.
After the account closure, an account closure confirmation letter and the statement will be printed and sent to you within seven business days from the account closure date. If you have opted for an e-statement, an e-statement along with account closure confirmation letter will be sent immediately after account closure to your email address registered with FAB.
Where can I get my liability clearance letter at the time of account closure?
You need to raise a separate request for a liability letter. You can do this by calling our contact center on 600 52 5500, visiting your nearest branch, or on the FAB Mobile app.
How will I be notified that my account closure request is confirmed and completed?
You will be informed by SMS and/or email (as applicable) that the account closure request is processed. After the account closure, you will receive an account closure confirmation letter and statement via e-mail or mail (depending on the option you selected for account statements delivery).
How can I do my everyday banking?
You will have access to self-service machines and digital channels for your everyday banking transactions. Using our digital in-branch services, you can deposit, withdraw, remit and transfer your money and cheques. You can also make account requests including new cheque books, statements and updates to your personal details, in addition to other everyday banking transactions through our in-branch machines. For banking on the go, the FAB Mobile app enables you to do your everyday banking anywhere, anytime.
How can I cancel my credit card?
To cancel your FAB credit card:
Clear the total outstanding /unbilled interest due on your credit card.
Next, contact our 24-hour Contact Centre on 600 52 5500 (within UAE), +971 2 681 1511 (outside UAE) and request the cancellation.
How do I block my credit card/debit card?
In case your card is lost, stolen or misused, here's how you can block it immediately:
FAB Mobile - Go to the 'Cards' tab and select option 'Block & Replace' from the menu. You can also temporarily freeze your card if you suspect fraudulent activity by selecting 'Freeze card' under 'Cards Management'
Online Banking - Select 'Credit Cards' and select option 'Block Credit Card' below the card details.
How can I become eligible to benefit from FAB's offers?
It’s easy. All you have to do to be able to benefit from FAB’s large variety of special offers is hold a FAB credit or debit card. Terms and conditions apply and offers and eligibility vary from product to product.
Click here to know more.
How can I access FAB Online Banking?
If you are an existing Online Banking user, you will need to create a new login password as follows:
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.
Does FAB Group have a Business Continuity Plan?
FAB Group has a well-established Business Continuity Management framework which is in line with industry best practices, standards and regulatory requirements. Our Business Continuity Plans are regularly tested to ensure organisational resilience and continuity of business services in the event of an emergency.
How can I apply for a FAB product? (Account/Card/Loan)
You can easily sign up for FAB products on:
FAB Mobile - On the Home screen, tap the menu on the top right corner. Select 'Apply for a new product' under 'Projects Manager'
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.
How will I know if my request is approved?
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.
How is FAB managing its response?
FAB has created a dedicated Crisis Management Team (CMT) to ensure an effective Group-wide response to the COVID-19 outbreak. The CMT is monitoring the latest international and local alerts and advice, and FAB is consistently evolving its response accordingly.
Are there offers with fashion and retail outlets?
For all those shopping enthusiasts out there – FAB has you covered. FAB partners with fashion and retail outlets to give customers some great value and lots of stylish deals. Browse through our list of fashion and retail offers by filtering through the “Fashion & Retail” category, or through our “Merchants” list.
How long will FAB’s measures remain in place?
FAB’s measures will remain in place for as long as necessary, in accordance with advice from the relevant authorities.
Is it secure?
Voice biometric technology is ranked among the strongest authentication method in the industry and will be based out of an Evolving Back Ground Model to enhance voice password security. This technology is less susceptible to threats that affect traditional methods of authentication such as SMS OTP which rely on external factors for authentication.
How do I apply for Quick Cash service on my FAB Credit Card?
You can apply for our Quick Cash service through:
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.
How can I continue to avail my banking services?
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
My debit card/credit card will soon expire. How do I get my renewal card?
Your debit or credit card will be renewed and delivered by courier before your current card expires.
If your card has expired and you haven't received the renewal card, please call our 24-hour Contact Centre: 600 52 5500 (within UAE), +971 2 681 1511 (outside UAE).
Will I be able to enjoy any special dining offers as a FAB customer?
Yes! As a FAB customer you and your family can take advantage of several delicious deals on dining. Enjoy everything from fast food to gourmet cuisine at your favourite eateries. Select from an endless array of restaurant offers and dining discounts by filtering through the “Dining” category.
How can I avail special offers from FAB?
In order to fully take advantage of FAB’s great offers, you need to hold one of FAB’s credit or debit cards. Thinking of joining FAB? Take a look at all of our credit cards to find the ones that are best for you.
Find a credit card
Will there be any staff in these branches?
Yes, we will have at staff on hand to help, including a Customer Service Officer and a Branch Manager.
How do I check the status of my Liability Letter/Clearance Letter request?
It usually takes up to seven working days for a liability letter and up to five working days for a clearance letter.
To check the status of your liability letter/clearance letter, please call our 24-hour Contact Centre with your Service Request number - 600 52 5500 (within UAE), +971 2 681 1511 (outside UAE).
Can I still apply for a loan or credit card?
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
I am an SME and require support
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.
How can I receive support for my Payit account?
Our team will be happy to assist you with any enquiries or requests related to your Payit Account. Please write to payitsupport@payit.ae.
How do I report any fraudulent or suspicious account activity?
Please call our 24-hour contact centre at 600 52 5500 immediately to report any fraudulent or suspicious activity on your account or card.
I am a first-time home buyer and need help to finance my new home at this time
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.
How do I apply for an Easy payment instalment plan on purchase/s transaction made on my FAB Credit Card?
You can apply for an Easy Payment Plan through:
FAB Mobile - From the Home Page, go to the 'Cards' tab and select option 'Easy Payment Plan'.
Online Banking - Select your card under 'Credit Cards' tab, then go to the transaction list and select option 'Convert Now' for eligible transactions.
How can I raise a dispute on my credit card/debit card transaction/s?
To raise a dispute, download and complete the forms below and email it to us here.
Note:
1. Complete all information on the form including the dispute reason.
2. You can dispute the transaction within 60 days from the transaction date.
3. All forms must be opened with Adobe Reader.
If I am a Business Banking customer, can I still do my transactions in a new branch?
Yes, all our Business Banking customers can complete their banking needs using the ATMs and Cash Deposit Machines in our new branches.
Can I make a transfer through FAB Mobile?
Whether it’s a one-time or a recurring transfer, you can set it up easily and conveniently on FAB Mobile:
Find out about Digital Transfers and Remittances here.
How do I apply for Balance Transfer on my FAB Credit Card?
You can apply for Balance Transfer through:
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'.
Does FAB have travel offers and benefits for credit or debit card customers?
Yes. As a valued member of our FAB family you can enjoy numerous travel and hotel offers. Get everything from deals on bookings, to beach access, resort discounts, dining discounts at various hotels as well as discounted hotel stays and more. Browse our travel and hotel offers by filtering through the “Travel & Hotels” category.
My FAB Mobile App is locked and I am unable to log in. How can I unlock my FAB Mobile App?
Go to the FAB Mobile login screen, tap the 'Forgot PIN' option and follow the steps to instantly unlock your mobile banking access.
Make sure that you've updated your email ID and mobile number to allow us to send you the verification codes. You can update your information under the 'Personal Details' tab in your profile.
How do I update my Emirates ID in the bank records?
You can update your Emirates ID through:
FAB Mobile -From the Home screen, tap the menu on the top right corner. Go to the 'Edit Profile' option and select the 'Documents' tab. Tap 'Add a new document' and choose 'Emirates ID' from the menu to upload your new document
Online Banking - Select Profile name, and choose the 'Documents' tab to upload your new Emirates ID
How do I change or update my new mobile number or my email address in my bank records?
You can update your mobile number or email address through:
FAB Mobile - From the Home screen, tap the menu on the top right corner. Tap 'Edit Profile' and select the 'Personal Details' tab to edit your information such as mobile number, email address and home address
Online Banking - Select 'Services', go to 'Other Services' and click on 'Update Mobile Number'
How can I stay updated on all of FAB's offers?
The best way to stay updated on all of our exciting offers is to regularly check our website or FAB Mobile app so that you don’t miss a thing. Make sure your contact details are up to date with us, so that you can receive our latest news, offers and promotions via SMS, EDMs and push notifications.
Download the FAB Mobile app on the Apple App Store
, Google Play Store
, or Huawei App Gallery, and browse through all of the FAB credit card offers, from any place, at any time.
Is there a fee for using this service?
No, there are no fees for using the service.
How do I access/view/download my credit card e-statement?
You can download e-statements that are 12 months old through:
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.
For statements older than 12 months, please visit your nearest branch.
Is the Virtual Agent safe and easy to use?
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.
How do I use the Virtual Agent?
Please call our Telephone Banking Services on 600 525 500.
Do I still need to navigate the IVR menu to use the Virtual Agent?
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.
How do I update my Passport/ Visa details in my bank records?
You can update your Passport or Visa information through:
FAB Mobile - From the Home screen, tap the menu on the top right corner. Go to the 'Edit Profile' option and select the 'Documents' tab. Tap 'Add a new document' and choose 'Passport' from the menu to upload your new document. You can do the same for 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
How do I register for the Voice Password Service?
To register, call 600 525 500 from your registered mobile number with FAB and follow the instructions.
After enrollment, can I use my voice to authenticate myself on the next call?
Yes, you will be able to use your Voice Password two hours after you enroll. There is a cooling time of two hours to ensure security of the Voice Print enrolled. If you care calling back within the two hour cooling period, you can use your card number and Card Pin for verification and access phone banking services.
I want to defer my personal, car, home loan or credit card repayments
We are able to offer impacted customers up to three months deferral on payments and interest or financing, with no deferral fees for the following products:
Auto loans
Mortgages
Personal loans
Credit cards – only if the customer has an existing FAB loan or bank account
Deferrals are available for customers who have been impacted as follows (and can provide required evidence / documentation as listed):
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 request. Requests without required documents will not be processed.
Customers can indicate how many months (up to three) they would prefer to defer payments. FAB will make a final decision on an individual basis. Customers would need to have paid previous repayments on time and accounts and/or credit cards with FAB should be in good standing (non-delinquent)
If there is insurance covering the loan, these payments need to continue through the deferral period
If you previously applied for and /or received a payment deferral in April and/or May, you are eligible to reapply for cumulative deferrals of up to 3 months 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 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.
Do I need to call back if I want more services?
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.
What are the Safe Deposit charges?
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.
What do our branches offer?
With one of the largest networks of branches in the UAE, you are never far away from any of our branches and the dedicated personal service you would expect from the Bank. visit us for all your banking needs.
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.
What else should I know before requesting to postpone my repayment?
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
What documents do I need to provide?
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.
What are the benefits?
The verification process to use FAB IVR is more seamless and secure.
Is my voice print unique? What happens if somebody’s voice sounds like mine?
No two voices are the same. Each human voice and extracted voice print is as unique to an individual as a fingerprint. There is an additional built in feature for Second Factor authentication which will be required to make any financial transactions on the IVR (Utility Bill Payment/inter account payments).
What is Voice Password?
Our Voice Password service is a new mode of authentication which allows you to use your voice as a password.
What if someone uses a recording of my voice?
The voice biometrics technology is equipped with Liveness Detection Technology which is capable of detecting recordings of previously heard voice utterances. In such scenarios, the system will prompt you to say another phrase (over and above the Voice Passphrase) for additional checks. We encourage you to take precautions against having your voice recorded to minimize the chances of someone else misusing the voice recording.
What if my voice is affected because of illness (e.g. flu or sore throat)?
You will be able to use your Voice Password for verification as long as your voice is not severely affected by the illness. However, if you are unable to use your Voice Password due to illness or noisy conditions, the IVR will offer you the conventional method of authentication (card no & PIN).
How do I start talking with the IVR or what do I say?
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”.
What if I want to hear the information again?
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.
What if I want to speak to a human?
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.
What is the maximum amount that I can transfer through the FAB Mobile App or Online Banking?
To make things easier, we have increased your transfer limits to:
Transfer type
Limit
Transfer Money within own accounts through internet / mobile banking
Unlimited
Transfer Money within FAB through online and mobile banking
Personal Banking & Business Banking customers: AED 100,000
Elite customers: AED 200,000
Transfer Money within UAE through online and mobile banking
Transfer Money Outside UAE through online and mobile banking
What is the maximum amount that I can transfer through the FAB Mobile App or Online Banking?
You can transfer up to AED 100,000 per day. However there are additional transaction limits and monthly limits that may be applicable. Learn more here.
What is the maximum transfer limit per day?
We currently offer free Instant Transfers to India, Pakistan, Philippines and Sri Lanka. Learn more here.
What is the cut-off time for international transfers?
The cut off time varies for each country. Find more details here.
What are the opening hours of the branches?
The regular opening hours for the branches stay the same.
What is changing in my local branch?
Services offered over-the-counter like cash withdrawals, deposits, cheque deposits, fund transfers and more will now be available through digital channels. We have created a new digital in-branch experience designed to better meet your needs and offer you an exceptional customer experience. These new branches will provide a convenient and quick way of completing your everyday banking needs.
What happens if I need to complete a transaction that I cannot do on the self-service machines?
One of our staff will be on hand to help. If you cannot complete your transaction on the self-service machines, then our staff will help manage the request through digital channels including the FAB Mobile app or Online banking.
If you don’t have the mobile app, then our staff will help you download and register for the app and show you how to use it.
If the transaction cannot be done on the app or online banking then our staff will direct you to the nearest branch with full teller services.
What is the maximum limit for cash deposit via Cash Deposit Machines in Smart Branches?
For cash deposits, the maximum amount is AED 100,000 or 70 notes.
What are the key features of FAB’s Online Banking service?
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
What is the SWIFT code for FAB?
The SWIFT code for the bank is NBADAEAAXXX.
What are the Customer Contact Centre numbers?
Our main Customer Contact Centre number is now 600525500.
The Customer Contact Centre number for Private Banking and Elite clients is now 80040000. All other customer contact centre numbers remain the same.
What is the password to view my credit card e-statement attachment?
The password for your credit card e-statement is your year of birth - 1989 followed by the last four digits of your registered mobile number - 050-1234567 (DDMM). When you are prompted for password, the 8-digit password to be entered: 19894567.
What are the features of FAB ATMs and CDMs?
We are upgrading our ATMs and Cash Deposit Machines (CDMs) for a quicker and better experience, which will include:
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
Other FAB ATM/CDM features:
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
Our ATM/CDM network is undergoing an upgrade to provide you with enhanced services and functionality. The upgrade will take place from August to November 2021.
During this time, the FAB Mobile app can help you find the nearest available terminal and assist with your banking needs.
Where do I find the redemption options for my FAB Rewards?
You can view and redeem your FAB Rewards on:
FAB Mobile: - Tap the 'Rewards' tab on the bottom right of the Home screen. View your Rewards balance and redeem immediately for cashback, vouchers, Miles, travel, utility payments and more
FAB website: - To find out more about our exciting FAB Rewards programme, click here
Which branches have Safe Deposit Boxes?
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
What happens if I want to withdraw cash but I have forgotten my debit card?
We have an ‘SMS cash feature’ which means you can make a cash transfer to any mobile number including your own mobile number. The receiver will receive a pin code which is valid for four hours, during which time the cash can be retrieved from any FAB ATM / Cash Deposit Machine by using the mobile number the cash was sent to, and the pin code. FAB Mobile app / online banking users have a single, daily transaction limit of AED 2,000 per day and payit users have a single, daily transaction limit of AED 1,000 per day. Users need to be fully verified.
What is the cut-off time for transfers within the UAE?
We process transfers of up to AED 10,000 instantly. For transfers above AED 10,000:
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.
I am a FAB credit card holder. What else are you doing to help me?
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
How many new branches will you have and which branches are they?
We have selected the following branches in the UAE for this new initiative.
Here is the list of locations where new branches are available:
Branch Name
Emirate
ZADCO Cash Office
Abu Dhabi
ADIA Cash Office
Abu Dhabi
ADCO Cash Office
Abu Dhabi
ADAT Cash Office
Abu Dhabi
Masdar City
Abu Dhabi
Boutik Mall – Reem Island
Abu Dhabi
Al Maqam
Al Ain
Motor City
Dubai
Mirdif
Dubai
Dubai Parks & Resorts, Riverland Park
Dubai
Dragon Mart
Dubai
Meadows
Dubai
Jumeirah Plaza
Dubai
Al Nad - Al Qassimiya
Sharjah
Kalba
Sharjah
Etihad Airways HQ
Abu Dhabi
Has your telephone banking menu changed?
Yes, this has been updated, please listen carefully before making a selection.
Thank you
Your request has been submitted, we'll get in touch with you shortly.
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We are currently experiencing higher call volumes than usual. We encourage you to use the FAB Mobile app and check our FAQs page.
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