Opening the correct bank account is the first step to managing your finances. First Abu Dhabi Bank is one of the UAE’s most trustworthy banks, offering services ranging from business banking to personal banking. FAB Current Account is a standout among its services for its accessibility, flexibility and digital capabilities.
This guide will take you step-by-step through the process of opening an FAB Current account, online or at a branch. Learn about the account’s features, its fees, and benefits. You can also get tips on how to make best use of your account.
What is an FAB current account?
Current accounts are a form of bank account which allows the user to make deposits, withdrawals and carry out day-to-day transactions. Current accounts have a different purpose than savings accounts. They are used for regular transactions, such as making payments, sending money, or handling payroll.
FAB Current Accounts are available for both businesses and individuals.
- Enjoy smooth local and international transactions
- FAB Mobile App and Website: Digital Banking Access
- Bill payment and transaction alerts are among the tools that can help you manage your funds more efficiently.
The Criteria to Open a Current FAB Account
You must meet the following requirements before opening a FAB Current account:
1. Minimum Age
- The applicant must be 18 or older.
- A minor (under the age of 18) may open a joint bank account with their parent or guardian.
2. Residence Requirement
- Residents, nationals, and expatriates of the UAE are all eligible.
- Non-residents can be subject to additional requirements depending on the type of account.
3. Documents of Identification
You must provide valid identification documents:
- Emirates ID is for UAE residents and nationals.
- Passport for expatriates
- Visa for expats
4. Prove your address
Documents required to prove your identity include:
- Utility Bill (Electricity, Water, or Phone)
- Rent contract
- Government-issued documents
5. Income/Employment proof
- Certain account types may require a salary certificate or bank statements.
- Accounts for business require a company’s trade license as well as shareholder information.
How to Open a Current FAB Account
You can open a FAB current account online or at a branch. To ensure a seamless process, follow these simple steps:
Step 1: Select your application method
- Download the FAB mobile app or visit the website.
- For assistance, visit any FAB branch within the UAE.
Step 2: Select Your Account Type
FAB offers multiple account types:
| Account Type | Minimum Balance | Monthly Fee | Debit Card | Cheque Book | Interest Rate |
| Personal Current Account | AED 3,000 | AED 25 (waived if min. balance maintained) | Free | AED 25 | 0% |
| Business Current Account | AED 10,000 | AED 75 (waived if min. balance maintained) | Free | AED 25 | 0% |
| Personal Savings Account | AED 3,000 | AED 25 (waived if mint balance maintained) | Free | Not available | 0.75% p.a. |
| Children’s Savings Account | AED 500 | AED 10 (waived if min. balance maintained) | Not available | Not available | 1% p.a. |
Step 3: Complete the application form
Please provide the following details:
- Name, Nationality, and Contact Details
- Employment details
- Selecting the Account Type
- Optional services (checkbook, debit card, online/mobile banking)
Step 4: Upload the required documents
To avoid any delays, ensure that your documents have been scanned in a clear manner.
- Emirates ID/Passport/Visa
- Evidence of Address (utility Bill or Tenancy Contract)
- Certificate of employment or salary certificate
- Documents required for Business Accounts
Step 5: Review & Submit Application
Check all the information twice before submitting. The approval process can be delayed if you make mistakes.
Step 6: Verification Process
- FAB examines the documents and application.
- You may be contacted by a bank representative to clarify your questions.
- The verification process usually takes several business days.
Step 7: Account activation
- Once approved, you receive account details via email or SMS.
- You can activate your account online or in a branch.
- You will receive your card or chequebook if you choose.
Use Mobile and Online Banking
FAB provides a complete digital banking experience to current account holders.
- Balance Check: Real-time balance checks
- You can transfer funds between your FAB account and other banks, both local and international.
- Instantly pay utility bills, credit cards, and loan payments
- Get SMS/email alerts for every transaction
- The Mobile App features biometric login, billing scheduling, and account management.
Fees for FAB Current Accounts
Understanding fees is crucial for managing your account efficiently:
| Service | Fee (AED) | Notes |
| Account Opening | Free | No charge |
| Monthly Maintenance | Free | Most accounts waive the fee if a minimum balance is maintained |
| Minimum Balance | AED 3,000 | Required to avoid the fall-below fee |
| Fall-Below Fee | AED 26.25 | Charged if balance falls below the minimum |
| ATM Withdrawals (FAB ATMs) | Free | No charge at FAB ATMs |
| ATM Withdrawals (Other UAE ATMs) | AED 2.10 | Per transaction |
| ATM Withdrawals (International) | AED 21 | Per transaction |
| Cheque Book (10 leaves) | Free | First cheque book |
| Cheque Book (25 leaves) | AED 26.25 | Additional cheque book |
| Standing Instruction Setup | AED 52.50 | Fee for setting up recurring payments |
| International Transfers | Varies | Charges depend on the destination |
How to Manage Your Accounts Effectively
How to make the best of your FAB current account:
- Automate payments – To avoid any delays, set up automatic subscription and utility payments.
- Keep an eye on your account – Check the balance and transactions to avoid overdrafts.
- Keep Accurate Information – Make sure your personal information, contact number, and address are current.
- Use Alerts: Enable notifications of transactions, bill payments, and low balances.
- Safe Access: Use two-factor authentication and strong passwords. Log out at the end of each session.
Why choose a FAB current account?
There are many benefits to opening a FAB current account:
1. Trusted Banking Partner
FAB, one of the UAE’s largest banks with an excellent reputation for security and reliability. FAB is trusted by millions of people for their personal and business banking.
2. Flexibility in Accounts
FAB has a range of different accounts that can be tailored to meet your needs.
- Personal Current Account for everyday transactions and finances
- Small, medium, and Corporate businesses can benefit from a business current account.
- Customers who want to earn interest on their balances can choose from a variety of savings account options.
- Accounts for Children – Educational Savings Plans
3. Digital Banking Convenience
FAB offers online and mobile banking, which allows you to do the following:
- Balances are available at any time.
- Transfer money locally and internationally.
- Use your credit cards to pay utility bills
- Get instant alerts on transactions
4. International Transaction Capabilities
FAB Accounts support international payments, allowing residents and business to efficiently manage transactions across borders.
5. Customer Service
FAB provides 24/7 support via email, phone, and live chat. Support is available 24/7 for account setup, technical support, and financial advice.
Problems that are common and how to fix them
Some issues can arise even with a smoothly run process:
- Check your login credentials to ensure they are correct. If you need to reset your password, do so.
- Please scan all documents that are missing.
- If you are unable to complete a transaction, check your account balance. Also, verify the recipient’s details. If the problem persists, contact customer service.
- The fees and time required to process international transfers can vary by country.
Customer Service:
- Website: www.bankfab.com
- Phone: +971 2 681 1511
- Email: contact@bankfab.com
Conclusion:
It is easy to open a current account with FAB. The process is secure and convenient for individuals as well as businesses. FAB offers flexible, convenient, and reliable digital services, whether you apply online or in a branch. Manage your finances with ease thanks to transparent fees, robust support, and global capabilities.
FAB Current account is the perfect way to start your banking journey. It offers a smooth experience that can be tailored to your business or personal needs.
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FAQs
Q1: Are non-residents allowed to open an FAB Current account?
Expats can open current accounts with the proper documents. Certain accounts have extra requirements.
Q2: What is the timeframe for activating my FAB Account?
After document verification, activation can take a couple of business days.
Q3: What is the minimum required balance?
The minimum balance for most current accounts is zero. Some accounts require AED 3,001 or AED 10,00,1, depending on the type.
Q4: How can I access my FAB current account from abroad?
You can access your online account from anywhere using the app or mobile banking.
Q5: What fees are hidden in FAB current accounts?
No. Transparency is the key to all fees, including those for international transfers, ATM withdrawals, and chequebooks.
Last modified: January 3, 2026
