Passport copies for the authorised signatories (with UAE residence visas if applicable).
Emirates IDs of the authorised
Trade Licence or Certificate of Incorporation or Registration
Constitutional Documents of the company and company›s representative designation (Board/Shareholders Resolution/Power of Attorney)
Note: This list is not exhaustive and the documents may vary depending on the entity type, structure and their internal decisions. The Customer shall provide all documents to demonstrate that the signatory of the Business Account Opening Form is duly authorized to represent the company as an account signatory. Banks reserve the right to ask for additional documents.
To change the name of the company/entity, visit one of our Commercial Banking Centres with the documents below:
Original passport
Emirates ID
Attested or original Trade
Amendment to the Articles of Association of the
You can update the signature by completing the Signature Change Request Letterand submitting it at any of our Commercial Banking Centres. Alternatively, you may contact your Relationship Manager.
Account balances and statements can be viewed through mobile or internet banking channels for Commercial Banking. If you have registered your email address with the bank, the e-statement will be sent to your email address periodically depending on your statement generation cycle. Statements can also be requested at a branch or through our call centre. Extra charges may apply.
Cheque books can be requested through Commercial Banking internet banking channels. In addition, cheque books can be requested by sending an SMS from the registered mobile number to 2121 with the following: CHQ {space} LAST FOUR DIGITS OF AED ACCOUNT NUMBER or by submitting a request form at any of our Commercial Banking Centres.
‘Dormant’ is a status applied to an account when the account holder has made no financial or non-financial transactions and has had no contact with the bank for a period of three years. When a customer’s account status is changed to ‘dormant’ it becomes inactive.
A dormant account status is applicable at both an individual and entity account level. As an example, if you have a single account or multiple accounts and there have been no transactions/contact for a period of three years, then both the customer and the respective account(s) will be considered dormant.
Please note that ‘dormant’ is a status 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 and services including any joint accounts will not be impacted unless they become ‘dormant’ on their own.
Examples of non-financial transactions: A balance enquiry via ATM, a successful log in to internet or mobile banking, calls to the contact centre that are PIN-verified through Integrated Voice Recording (IVR).
A business account debit card can be requested at the time of account opening, or by submitting a request through FAB Business application under ‘Credit & Debit cards’ section.
You can view and redeem your FAB Rewards on:
FAB mobile banking: Tap the ‘Rewards’ tab on the bottom right of the home View your Rewards balance and redeem immediately for cashback, vouchers, miles, travel, utility payments and more.
When an account is dormant, access to this account will be restricted, including withdrawals. In this case, customers must contact the bank and complete the bank’s Identification and Verification (ID&V) processes in order to change the account status to ‘active’ before any transaction can be carried out, including a balance enquiry.
Once the account status is changed to ‘dormant’ following a period with no financial/non-financial transactions and no contact for three calendar years, the accounts are 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. Any 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’.
A commercial credit card can be applied by submitting a credit card request through FAB Business application under ‘Credit & Debit cards’ section. Approval is subject to FAB’s internal policies.
A company admin for FAB Business Banking can set a card to be a supplementary card under an existing primary card at the time of approving New Credit Card Request through FAB Business application.
Yes, a communication is sent once the account attains ‘dormant’ status.
Please contact our call centre at 600 52 2235 or your Relationship Manager to follow the necessary process to re-activate your account. Alternatively, you may email us at fabcommercialbanking@bankfab.com
You can activate and setup pin on your card through FAB Business application by selecting ‘Activate’ for inactive cards under ‘My cards overview’ option within ‘Card Management’ tab.
If there is an active loan with a direct debit set-up, the account cannot be closed until an alternative payment mode is arranged or the loan is settled. Any standing orders will automatically be cancelled upon account closure.
You are requested to return or destroy any unused cheques and debit card(s).
If the customer-initiated account closure is within 12 months of account opening, then charges will be applicable.
Note: to close a commercial business account, the signatory shall be duly authorized to close bank accounts.
You can dispute the transaction within 60 days of the transaction
All forms must be opened with Adobe
After account closure, an account closure confirmation letter and statement will be printed and sent to you within seven business days of the account closure date. If you have opted for an e-statement, an e-statement and the account closure confirmation letter will be sent to the email address you registered with FAB immediately after account closure.
You can transfer the credit balance to another bank account, withdraw it at the counter or request that the bank send a manager’s cheque to your registered mailing address (closure charges need to be maintained in the account wherever applicable).
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.
Yes, all our Business Banking customers can complete their banking needs using the ATMs and Cash Deposit Machines in our new branches.
Whether it’s a one-time or a recurring transfer, you can set it up easily and conveniently on FAB Mobile:
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.
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.
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.
No, there are no fees for using the service.
Contact your relationship manager to request cancellation.
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 new card, please contact our 24-hour contact centre on 600 52 2235 (within the UAE) or +971 (02) 499 6700 (outside the UAE).
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)
You can download e-statements that are up to 6 months old through:
FAB Business application - Go to ‘Manage team cards’ under ‘Credit & Debit Cards’ tab, select ‘Statements’ for the card you wish to download the statements for.
Our team will be happy to assist you with any enquiries or requests related to your Payit Account. Please write to payitsupport@payit.ae.
Please call our 24-hour contact centre at 600 52 5500 immediately to report any fraudulent or suspicious activity on your account or card.
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).
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.
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.
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.
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.
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.
Please call our Telephone Banking Services on 600 525 500.
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.
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.
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
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.
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.
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.
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
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.
Yes, we will have at staff on hand to help, including a Customer Service Officer and a Branch Manager.
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 regular opening hours for the branches stay the same.
The verification process to use FAB IVR is more seamless and secure.
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.
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
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.
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.
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.
If your card is lost, stolen or misused, here’s how you can block it immediately:
Log in to FAB Business application – Go to ‘My cards overview’ under ‘Card Management’ tab and select option ‘Block’ for the card you wish to permanently block. You can request for a replacement card (where applicable) once your card is blocked.
You can also temporarily lock your card if you suspect fraudulent activity by selecting ‘Lock’ option for the
card.
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.
For cash deposits, the maximum amount is AED 100,000 or 70 notes.
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.
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.
A company admin for FAB Business Banking can change limit on the primary credit card by following below steps:
Log in to FAB Business application, go to ‘My cards overview’ under ‘Card Management’ tab and select option ‘Card info’ for the card you wish to change the limit for.
Select ‘Request Credit Limit Changes’ under ‘More Actions’ for the selected card and enter the desired limit.
Note that limit increase application is subject to FAB’s internal policies.
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).
The SWIFT code for the bank is NBADAEAAXXX.
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.
We currently offer free Instant Transfers to India, Pakistan, Philippines and Sri Lanka. Learn more here.
To register, call 600 525 500 from your registered mobile number with FAB and follow the instructions.
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”.
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).
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.
Our Voice Password service is a new mode of authentication which allows you to use your voice as a password.
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