ADIB Bank Zero Balance Account Opening Online (Complete Process UAE)

If you live in UAE or you have gone to UAE to work and you want to open a zero balance savings account, then zero balance account of ADIB (Abu Dhabi Islamic Bank) should be a good option for you. Could. This account has been designed keeping in mind the needs of those people who cannot maintain the minimum balance. Through this account you get features like free check book, ADIB Visa debit card, and unlimited teller transactions. 

Additionally, ADIB’s mobile banking app, 24-hour banking services, and secure online shopping are also available. This account is Shariah compliant and its easy opening process makes it suitable for everyone. To open a zero balance account, you can apply online or by visiting the ADIB branch, and avail its facility.

In this post, we will give you detailed information about the ADIB Zero account features, fees, and documents required to open it. Also, we will compare this account with similar accounts from other banks, so that you can make the right decision.

ADIB Zero Balance Account Highlights

In Abu Dhabi Islamic Bank, you can open your current account or savings account as a zero balance account in which you do not need to maintain any minimum balance. You get free cash withdrawals and other banking services at over 500 ADIB ATMs and branches. 

Some highlights of Abu Dhabi zero balance account

The highlighted points are as follows: 

• free checkbook
• Free ADIB Visa Debit Card
• Unlimited Teller Transactions
• Free services at 500+ ADIB ATMs and branches
• ADIB Mobile Banking App
• 24-hour banking services (Internet banking, telephone banking)
• Sharia compliant
• No monthly service fee

ADIB Zero Balance Account Benefits and Features

ADIB Zero Balance Current Account makes your banking experience convenient and beneficial. Detailed information about the facilities and benefits available under this account is as follows:

1. No minimum balance required: No minimum balance is required to open and maintain this account, you can open it without maintaining any balance.

2. Free Check Book: With this account you get your first check book for free. A nominal fee is applicable on subsequent check books.

3. Free ADIB Visa Debit Card: With this account you get a free Visa debit card, which you can use for ATM cash withdrawals, bill payments and other transactions.

4. Unlimited Teller Transactions: You can avail unlimited free teller transactions across more than 60 branches of ADIB, giving you ease of banking services.

5. Access to 500+ ADIB ATMs: You get free cash withdrawals and transactions at over 500 ADIB ATMs, allowing you to withdraw cash wherever and whenever you need.

6. Mobile Banking App: Through ADIB’s Mobile Banking App you can manage your account anywhere and anytime, making your banking convenient.

7. 24/7 Internet Banking: You can avail the facility of Internet Banking round the clock, allowing you to carry out your banking transactions conveniently anytime and anywhere.

8. Telephone Banking: Through ADIB’s Telephone Banking service you can avail banking services over phone, providing you assistance through direct contact.

9. SMS Banking: Through SMS banking service you can get your account information and transaction information instantly, so you can monitor your financial transactions.

10. Sharia Compliant: This account is Sharia Compliant as per Islamic banking principles, allowing you to receive financial services in accordance with religious beliefs.

11. Secure Online Transactions: Your online shopping transactions are secured by ADIB WebSure, giving you guaranteed security while transacting online.

12. Free e-Statement: You get the facility of monthly e-statement for free, through which you can get your account transaction information in digital form.

13. Account opening facility: You can easily open this account online or by visiting the ADIB branch, which simplifies the account opening process as per your convenience.

14. Flexibility: In this account you can maintain the account in different currencies like AED, USD, GBP, giving you flexibility in international transactions.

15. Independent Overdraft Facility: For emergency cash needs, you can avail the independent overdraft facility with this account, which allows you to get instant access to funds.

16. Ease of account opening: Opening this account is a simple and quick process, allowing you to fulfill your banking needs quickly and easily.

17. Standing Instructions: You can set up routine transactions such as bill payments, transfers, and other transactions automatically, saving you time.

18. Monthly Basic Services: With this account you get basic banking services for free, which reduces your banking costs.

19. Fund Security: This account provides financial security as per the principles of Shariah, ensuring the safety of your funds.

20. Bill Payment Convenience: You can pay your bills on time and easily, making paying your bills smooth and convenient.

Overview of ADIB Zero Balance Current Account

Below is a detailed overview of the ADIB Zero Balance Current Account, including its features, fees, eligibility criteria, required documents, and account opening methods.

Point	Description
Account Name	ADIB Zero Balance Current Account
Account Type	Current Account
Features	Free cheque book, free ADIB Visa debit card, unlimited teller transactions, 500+ ADIB ATMs, mobile banking app, 24/7 banking services, Sharia compliant
Fees and Charges	No monthly service fee, AED 25 fee for additional cheque books
Eligibility Criteria	UAE resident, no minimum salary requirement
Required Documents	Passport, valid Emirates ID, residence visa
Account Opening Method	Apply online, or visit any ADIB branch

Eligibility Criteria for ADIB Zero Balance Account

To open an ADIB zero balance account, you have to fulfill some simple conditions. By following these Terms of Conditions, you can avail the benefits of this account properly and follow all the rules. The eligibility criteria of this account are as follows: 

1. Must be a UAE resident: You must be a UAE resident, that is, you live in UAE.

2. Valid Residence Visa: You must have a correct and valid UAE residence visa.

3. Proof of Identity: You will need to provide a passport or Emirates ID to prove your identity.

4. Minimum age: To open an account, you must be at least 21 years of age.

5. Address Proof: You must have a recent utility bill or rent agreement which can prove your address.

6. Employment Information: Sometimes you may ask for information about your work or income.

7. Initial Deposit: Although this is a zero-balance account, a small initial deposit may be required.

8. Bank Terms: There may be some additional documents or conditions from the bank.

Documents Required for ADIB bank account

To open an ADIB bank account you need to provide some required documents. These documents verify your identity, address and residence information so that the bank can immediately open your account and verify your details. The following documents will be required to open this account.

1. Passport: A copy of your passport is required to prove your identity.

2. Emirates ID: You must have a valid Emirates ID while in UAE.

3. Residence Visa: Copy of a valid residence visa, which confirms your stay in the UAE.

4. Address Proof: A recent utility bill (e.g. water, electricity) or rent agreement, which proves your residential address.

5. Income Proof: Sometimes information about your work or proof of income may also be asked.

Process To Open ADIB Zero Balance Account

You can open ADIB zero balance account both online and offline. For the online process, you can apply through ADIB’s mobile app or website, while for the offline process, you can visit any branch of ADIB and open an account. You are given complete information about both the methods in the step by step process given below.

1. Download ADIB App : Download and install the ADIB Bank app from Google Play Store or App Store.

2. open the app : After installation, open the app and click on “Bank With ADIB” option.

3. Submit mobile number :Submit your UAE mobile number. You will receive a 4 digit OTP. Submit it.

4. verify mobile number : After submitting OTP your mobile number will be verified.

5. Enter email ID : Enter your email ID.

6. Slide to Confirm : Click on “Slide to confirm” button.

7. Select Market Consent : Select an option between “Interested” or “Not Interested” on a page and click on “Slide to confirm” button.

8. Fill Employment Status : Choose one of the options “Employed”, “Self-employed”, or “Other” and enter your age. After this click on “Continue” button.

9. Select Account Type : Select one of the options “Current Account” or “Savings Account” on one page. Here select “Current Account” and click on “Slide to confirm” button.

10, scan document : Scan Emirates ID, passport and a selfie. 

11. document scanning :

• Scan the front and back side of the Emirates ID.
• Scan the copy of the passport.
• Take a candid selfie without glasses.

12. Fill in personal information : Fill in the information like your address, villa/apartment, building name, street number, area number, Emirates city, country and click on “Continue” button.

13. Fill in additional information : Fill the information like place of birth, company name, designation, second nationality.

14. Tax and usage information: Submit the Terms of Conditions and other information and click on “Slide to confirm” button.

15. Personalized Debit Card : You will be informed about the personalized debit cards provided by ADIB. Enter your name and branch name and click on “Next” button.

16. Rescan Emirates ID : Re-scan your Emirates ID.

17. Upload Signature: Upload your signature.

18. Accept the Terms of Condition: Accept the Terms of Condition and click on “Slide to accept” button.

19. Verify Details: Enter OTP to verify your details.

20. Submit Form: Submit the application form. Your account will be reviewed and after verification your account will be unlocked.

Thus, you can easily open your zero balance account in ADIB.

Fees And Charges 

The special thing about ADIB’s Zero Balance Current Account is that you can access many features without any charges, such as free check book, free first debit card, and free cash withdrawal at over 700 of ADIB’s ATMs, Fees may apply for some services and features. If your balance falls below AED 3,000, you may face a monthly fee.

Here are the ADIB Current Account fees and charges:

Feature	Information
Account opening conditions	Zero balance allowed for the first month; Minimum balance of AED 3,000 from the second month onwards.
Monthly Statement	Automatic statement free; Charges apply for additional statements.
Standing Instructions	Alternative service; Fee applies.
Visa Debit Card	First card free; Charges for subsequent replacement.
Check Book	First check book free; Fees apply for additional check books.
Cash Withdrawal (Non-ADIB ATM)	AED 2 per transaction
Balance Inquiry (Non-ADIB ATM)	AED 1 per transaction.
Rejection for insufficient funds	AED 1 per transaction
Non-AED Transaction Service Charges	1.99% fee on non-GCC ATM usage
Fall Below Fee	AED 25 per month (if balance is less than AED 3,000).
Duplicate Statement Fee	AED 25 per cycle
Debit Card Replacement Fees	AED 25 per card.

How can I use ADIB’s zero balance account without any charges? 

To use ADIB’s zero balance account without any extra charges, note the following points:

1. Maintain minimum balance : There is no minimum balance requirement for the first month, but from the second month onwards the daily minimum balance must be AED 3,000. If you maintain this balance, no other charges will be levied.

2. Avail free services: You get your first debit card and first check book for free. Make proper use of these free services and request for a second check book or debit card only when required.

3. Use ADIB ATMs: Cash withdrawals are free at over 700 ADIB ATMs. Using a non-ADIB ATM charges AED 2 per transaction, so use an ADIB ATM.

4. Use online and mobile banking: Mobile and internet banking services are free. Use these services so that you do not need to conduct teller transactions, thereby avoiding additional fees.

5. Avoid fall bill fees: If your balance falls below AED 3,000, there will be a fall bill fee of AED 25 per month. Make sure you have sufficient balance in your account by checking your balance regularly.

6. Avoid duplicate statements: Additional statements cost AED 25 per cycle. Use your e-statements and avoid requesting for duplicate statements.

By following these points you can use ADIB zero balance account without any extra charges.

ADIB Bank Account Comparison

ADIB Bank offers different types of accounts, which have different features. Here’s how we compared the major accounts:

1. Current Account: This account demands minimum balance and includes features like free debit card, check book, and online banking. It also offers free transactions at ADIB ATMs.

2. Savings Account: It does not require any minimum balance and has the facility of quarterly profit distribution. It also offers free transactions at ADIB ATMs and online transfers.

3. Ghina Savings Account: This account also does not demand minimum balance and has the benefit of quarterly profit distribution as well as prize draws. This includes a free debit card and check book.

4. Ghina Salary Account: Specially designed for salaried people, it also does not require minimum balance and offers the same benefits as the Ghina Savings Account.

5. ADIB Student Account: A special account for students with no minimum balance requirements and includes student benefits and features.

Here is a simple and clear comparison table, showcasing the features of ADIB’s different accounts:

Feature/Account Type	Current Account	Savings Account	Ghina Savings Account	Ghina Salary Account	ADIB Student Account
Minimum Balance	AED 3,000 (from 2nd month onwards)	No minimum balance	No minimum balance	No minimum balance	No minimum balance
Account Opening Balance	AED 0 (1st month), AED 3,000 (2nd month onwards)	No special balance	No special balance	No special balance	No special balance
Sharia Structure	Qard Hasan	Mudarabah	Mudarabah	Mudarabah	Mudarabah
Features	Free Debit Card, Check Book, Online & Mobile Banking	Quarterly profit distribution, access to funds	Quarterly Profit Distribution, Prize Draws	Quarterly profit distribution for salary earners	Special Student Benefits
Free Transactions	Free at ADIB ATM	Free at ADIB ATM	Free at ADIB ATM	Free at ADIB ATM	Free at ADIB ATM
Additional Services	Bill Payment, Fund Transfer	Bill Payment, Fund Transfer	Bill Payment, Fund Transfer	Bill Payment, Fund Transfer	Bill Payment, Fund Transfer
Eligibility	UAE Citizens, Residents, and Expats	UAE Citizens, Residents, and Non-Residents	UAE Citizens, Residents, and Non-Residents	UAE Citizens and Residents	UAE Citizens and Residents
Required Documents	Emirates ID, Passport, Residence Visa (Expats)	Emirates ID, Passport, Residence Visa (Expats)	Emirates ID, Passport, Residence Visa (Expats)	Emirates ID, Passport, Residence Visa (Expats)	Emirates ID, Passport, Student ID
Fall Below Fees	AED 25/month (if balance is less than AED 3,000)	Not applicable	Not applicable	Not applicable	Not applicable
Account Activation Time	Varies depending on application method	Varies depending on application method	Varies depending on application method	Varies depending on application method	Varies depending on application method

How About Opening A Zero Balance Account With Adib? 

Opening a zero balance account of ADIB can be a good option. You can open this account from your mobile sitting at home through an easy and convenient process.  You can apply online by visiting ADIB’s mobile app or website, with your Emirates ID, passport, and a recent selfie. Once the application process is complete, your account will be activated quickly and you will not have to worry about maintaining balance. 

With this account you will get free check book, Visa debit card, and free transactions at ADIB ATMs. However, nominal fees may apply for cash withdrawals or balance inquiries at non-ADIB ATMs.

Faq : ADIB Bank Zero Balance Account

Conclusion

ADIB’s Zero Balance Account is an ideal option that provides UAE residents with a convenient and cost-effective banking solution. You can conveniently use it at ADIB’s ATMs and branches, and also fulfill your banking needs through online and mobile banking services.

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