ADCB Hayyak Account

ADCB Hayyak is a paperless account opening application in the UAE specially designed and launched for ADCB customers. The word ‘Hayyak’ means welcome. With ADCB Hayyak mobile app, Abu Dhabi Commercial Bank welcomes you to the next generation of banking solutions. Through the Hayyak mobile app, ADCB provides you with the comfort of opening your bank accounts from home or anywhere in the world.

Features and Benefits of ADCB Hayyak Account

Hassle-free Account Opening process

Opening a bank account can be a challenging task. The stress of carrying and managing hard copies of your documents and the long queue in the bank can spoil your banking experience. With ADCB Hayyak, you do not need to worry about the tedious process of opening a bank account. You can open a bank account without any stress using ADCB Hayyak.

Personalized Services

ADCB Hayyak is a unique banking app that allows you to personalize your bank accounts at your convenience. Want to operate banking in the Arabic language? No problem, you can choose your preferred language. You have the freedom to choose between a current account and a savings account. The special customization option on the app permits you to choose how your name would appear on the debit or the credit card. The app also lets you choose between a regular account and a Shari’a-compliant account. ADCB Hayyak provides for each of your personal needs.

Multiple Services

Catering to all your banking demands, the ADCB Hayyak app allows you to avail numerous facilities on your mobile phone.

Apply for Personal Loan

You can log in to your ADCB Hayyak app and check the eligibility on your account. Once you have checked your eligibility and credit limit, you can apply for a personal loan without going through the elaborated procedure of taking the loan.

Increase Your Credit Limit

Using the ADCB Hayyak app, you can check your credit card limit and request the bank to increase your credit limit. However, make sure you check the maximum credit limit eligibility on your account.

Open ADCB Hayyak Zero Balance Account

Interest Rate Offered by ADCB Hayyak Instant Account

The interest rate offered on ADCB Hayyak instant account will vary according to the type of account you select. However, on your savings account, you generally receive 0.10% profit rates. Please note that no interest rate will be offered if you open a current account.

Fee, Charges & Minimum balance on ADCB Hayyak Instant Account

Account Closure	AED 105
Non-ADCB ATM transactions in UAE, balance enquiry, decline transaction, and Cash Withdrawal	AED 2.10 Per transaction
Using ATM outside UAE and GCC	AED 21 Per transaction
Statement of Account previous cycle	AED 26.25 per cycle

 *Please note that these charges may vary as per the account variant and 5% VAT will be applied on all the above or additional charges levied by the bank.

Details about charges are not clear on the website, please check.

Currency Accepted

The currency accepted by the ADCB Hayyak Instant Account will vary as per the account. Some bank accounts accept AED, USD, GBP, and other international currencies while others may only allow AED and USD currency. Some savings account may not accept any currency except AED.

Eligibility Criteria for ADCB Hayyak Instant Account

ADCB Hayyak Instant Account is an exclusive facility offered to UAE residents. Only the UAE residents age 21 or above are eligible to avail of it.

How to Apply for ADCB Hayyak Instant Account

• Download ADCB Hayyak App from your mobile store.
• Upload a scanned copy of your passport and emirate ID.
• Choose to open a banking account/apply for a personal loan/apply for a credit card
• Choose language and other personalized options
• Your account and loan are immediately ready.

Documents required for opening an ADCB Hayyak Instant Account

To open a paperless account using ADCB Hayyak Instant Account from your home, you need:

• Scanned copy of Emirates ID
• Scanned copy of residential proof
• Scanned copy of passport

To apply for a personal loan you need to submit an additional salary proof verifying that your minimum salary is AED 5000