Open AL Hilal Bank Current Account Online in UAE? Complete Guide

Al Hilal Bank is known for its excellent and reliable banking services in the UAE. Operating in accordance with Sharia rules, Al Hilal Bank’s current account is a great option for those who want to meet their daily banking needs with ease and security. 

Through this account you get a personalized account number, free ATM and CCDM facilities, and the option to open the account in different currencies. Furthermore, this account comes with many other features and benefits that make it even more attractive.

 In this article, we will discuss in detail all the key features of Al Hilal Bank current account and its associated benefits, so that you can make the right decision.

AL Hilal Bank Current Account Overview

AL Hilal Bank Current Account is meant to simplify your everyday banking operations, and it operates in accordance with Shariah rules. In this account you get a unique account number, check book, and Visa debit card.

You can avail the benefits of e-Statement, Internet Banking, Mobile Banking, and SMS Alerts for free. Additionally, you can use ADCB ATMs and CCDM for free, making it easy to withdraw and deposit cash. 

Below is a table containing all the important information about this account, including its features, benefits, and fees.

Feature	Details
Account Name	Al Hilal Bank Current Account
Account Type	Shariah-compliant Current Account
Eligibility Criteria	UAE, GCC nationals, and expatriates above 21 years old with a valid UAE Emirates ID
Required Documents	Identification documents, proof of address, and income verification if applicable
Currencies Available	AED, USD, GBP, EUR, CAD
Personalized Account Number	Yes
Personalized Cheque Book	Instantly available
Personalized Visa Debit Card	Yes
Free E-Statement	Yes
Free Internet Banking	Yes
Free Mobile Banking	Yes
Free SMS Alerts	Yes
ATM Access	Free access at ADCB ATMs
CCDM Access	Free access at ADCB CCDMs
Minimum Balance for Opening	AED 2,500 or Salary Transfer above AED 5,000
Monthly Balance Requirement	AED 2,500 for non-STL accounts
Fees for Below Minimum Balance	AED 26.25 if average balance drops below requirement
Cheque Book Issuance Fee	Initial 10 leaves free; additional AED 1.05 per leaf
Cheque Return Charges	Inward: AED 105
Cheque Stop Payment Fee	AED 52.50
Account Closure Charges	No charges for account closure
Shariah Compliance	Yes
Account Opening Process	Apply online or visit branch; submit documents and details
Customer Support	Contact Centre: 600 522 229 (UAE), +971 2635 6020 (International); 24/7 support available

Why Choose Al Hilal Bank Current Account?

The reason to choose Al Hilal Bank Current Account is that it makes your banking experience simple and convenient.

This account is in accordance with Shariah rules and offers many benefits, such as free e-statements, internet and mobile banking, and other features to meet your daily banking needs.

I have mentioned some points below as to why you should choose this account, which are as follows: 

1. Sharia-compliant : This account is in accordance with Sharia rules, allowing you to do banking as per your religious beliefs.

2. Individual Account Number: You get an individual account number, which makes your transactions unique.

3. Instant Check Book: The check book is available instantly, so you can access the checks without any delay.

4. Free Visa Debit Card: Get a free Visa debit card, which you can use everywhere.

5. Free e-Statement: There is no cost for e-Statement, so you can easily track your transactions.

6. Free Internet and Mobile Banking: Internet and mobile banking facilities are available for free, so that you can do banking anywhere and anytime.

7. Free SMS Alerts: Receive free SMS alerts for all transactions, giving you instant updates.

8. Free ATM and CCDM Access: You can access ADCB ATMs and CCDM for free, making it easy to withdraw and deposit cash.

9. Available in multiple currencies: This account is available in AED, USD, GBP, EUR, and CAD currencies, facilitating international transactions.

10. No monthly maintenance fee: If you maintain the minimum amount, there is no monthly maintenance fee, saving you from extra expenses.

AL Hilal Bank Current Account Benefits

Al Hilal Bank Current Account offers you many features and benefits, making it a great option. Here are its major benefits:

1. free check book : Beginner Check Book is available for free, making it easy to use checks.

2. Free Cash and Check Deposit : You can use ADCB Deposit Machines for free, making it easy to deposit cash and checks.

3. 24/7 customer service : The bank has 24/7 customer service available, so you can get help at any time.

4. Minimum Monthly Balance Requirement: The minimum monthly balance requirement is low, making the account easy to operate.

5. Free Online Transfer: Online money transfer facility is available for free, making transactions quick and secure.

6. Check Stop Payment Facility: Check Stop Payment facility is available, which can avoid fraud.

7. No Check Return Charges: There are no check return charges, which reduces your expenses.

8. Convenient Account Closure: There are no extra charges on account closure, so you can close the account easily.

9. Low charges for non-maintenance of minimum balance: The charges for non-maintenance of minimum balance are also relatively low, so you can avoid extra expenses.

10. Free Visa Debit Card: Visa Debit Card is available free of cost, which makes your transactions seamless.

11. Return Check Fee Waiver: Return Check Fee Waiver, which reduces expenses.

12. Easy Check Book Re-order: Re-ordering a check book is easy, which provides convenience.

13. Timely availability of e-statements: E-statements are received on time, allowing you to track your transactions.

14. Sharia-compliant: This account is in accordance with the rules of Sharia, providing banking facilities as per religious beliefs.

15. Individual Account Number: You get an individual account number, which makes your transactions unique.

16. Instant Check Book: The check book is available instantly, allowing you to access checks immediately.

17. Free e-Statement: There is no cost for e-Statement, so you can easily get information about your transactions.

18. Free Internet Banking: Internet banking is available free of cost, allowing you to monitor your transactions and accounts.

19. Free Mobile Banking: The facility of mobile banking is also free, so that you can do banking from your phone.

20. Free SMS Alerts: All transactions get free SMS alerts to notify you instantly.

21. Available in Multiple Currencies: Accounts are available in AED, USD, GBP, EUR, and CAD currencies, making international transactions simple.

22. No Monthly Maintenance Fee: If you maintain the minimum amount, there is no monthly maintenance fee.

23. Free Envelopes with Check Book Start: New customers get free envelopes with check book.

24. Discount for check return: Fees are reduced in case of check return.

25. Sharia-compliant: This account is in accordance with the rules of Sharia, providing banking facilities as per religious beliefs.

Eligibility Criteria

There are some important qualifications to open AL Hilal Bank Current Account. This account is available to UAE and GCC citizens and expats with a valid Emirates ID in the UAE. You have to fulfill certain conditions to open an account, such as maintaining a minimum balance and providing required documents. 

1. Age Limit: You must be 21 years or older to open an account.

2. Nationality: Citizens of UAE, GCC countries or expats with Emirates ID valid in UAE.

3. Minimum Balance: Minimum balance required to open account is AED 2,500 or AED 5,000 as salary transfer.

4. Documents: Valid Emirates ID, passport and visa are required.

5. Terms and Conditions: It is mandatory to follow the terms and conditions of the Bank, which may be updated from time to time.

Required Documents

To open AL Hilal Bank Current Account you need to submit the following documents:

1. Emirates ID: An identity card valid in the UAE, which proves your citizenship and identity.

2. Passport: Along with your identification and visa, a copy of your passport is also required.

3. Visa: If you are an expat, a copy of your valid visa will be required.

4. Salary Certificate: If you are opening an account for salary transfer, then your salary certificate or bank statement is required.

5. Proof of Address: Any document showing your current address, such as electricity or water bill, which is required during account opening.

Open AL Hilal Bank Current Account Online

To open Al Hilal Bank Current Account, you can apply in a simple way by visiting the bank’s website. First, visit the website and go to the menu section and select the Account section. From there, click on the Current Account option and complete the application by following the given steps. After application, a customer executive will contact you and verify your information and open your account. Once the account is opened, you can use it through the mobile application or by visiting the nearest branch of the bank.

Step-by-Step Process to Open Current Account:

1. Open Al Hilal Bank website: Visit the official website of the bank.

2. Click on Menu Section: Go to the menu of the website and select “Account” section.

3. Click on Current Account: Click on “Current Account” option.

4. Existing Customer: If you are an existing customer, click on “Yes”, otherwise click on “No”.

5. Enter Full Name: Fill your full name correctly.

6. Enter Email Address: Enter a valid email address.

7. Enter Mobile Number: Enter your mobile number, starting with ‘5’.

8. Choose your Emirate: Select the Emirate as per your place of residence.

9. Validate Captcha: Fill the captcha correctly.

10. Click on Submit: After filling all the information correctly, click on “Submit”.

11. Contact with Customer Executive: After submission, the Customer Executive of the Bank will contact you and verify your details.

12. Account Opening Process: After verification of your information, your account will be opened.

13. Usage of Account: Once the account is opened, you can use it through the mobile application or visit the nearest branch to avail money withdrawals and other banking services.

How to open Al Hilal Bank Current Account Open Via Branch Visit

Opening an account at AL Hilal Bank is a straightforward process by visiting a branch. With this method you can personally get assistance from the bank staff and submit all the required documents and forms together. This method is good for those who have any hesitation in the online process or do not have online facilities available.

To open Al Hal Bank current account, you can take the help of your nearest branch. The following step by step process can be adopted to open this account: 

1. Visit the Bank Branch: Visit your nearest AL Hilal Bank branch.

2. Contact the counter: Visit the branch and contact the counter to open an account.

3. Request to open an account: Tell the bank employee that you want to open AL Hilal Bank Current Account.

4. Submit necessary documents: Submit all the necessary documents asked by the bank such as identity card, proof of address, etc.

5. Fill the form: Fill the account opening form provided by the bank employee.

6. Get assistance from a Customer Executive: If necessary, get assistance with any questions from a Customer Executive.

7. Receive account opening confirmation: After reviewing your documents and forms, the bank will give you account opening confirmation. 

After this process, your account will be activated and you can use it through the bank branch or mobile application.

How to Open Al Hilal Bank Current Account via Customer Care Number

Opening your Current Account in AL Hilal Bank through customer care number is also a convenient way. In this process, you can share your information through phone and get guidance from the bank representatives. This method is useful for those who are unable to visit the branch in person or apply online.

The step by step process to open a current account by calling the customer care number is as follows: 

1. Call Customer Care Number: Call AL Hilal Bank customer care number 600 522 229.

2. Request Account Opening: On the call, tell the bank representative that you wish to open AL Hilal Bank Current Account.

3. Get information about the process: The bank representative will give you information about the account opening process and the required documents.

4. Provide the required documents and details: Prepare the documents and details mentioned by the representative and send them through email or other means.

5. Get Help: If you need assistance with any steps, customer care representatives will help you and answer any questions.

6. Receive account opening confirmation: After review and verification of your documents, the bank will give you account opening confirmation and activate the account.

Through this process, you can open an account from your home without visiting the branch.

Balance Requirements

To open an AL Hilal Bank Current Account, you need to maintain a minimum balance of AED 2,500, or if your salary transfer is more than AED 5,000, the account can be opened. Once the account is opened, if you drop the average balance below AED 2,500 for a Non-STL account, a fee of AED 26.25 will be applicable every month.

Following are the AL Hilal Bank Current Account balance requirements and associated charges:

1. Account Opening: To open an account, the minimum balance should be more than AED 2,500 or salary transfer should be more than AED 5,000.

2. Monthly Balance Requirement: For Non-STL accounts, the minimum average balance should be AED 2,500.

3. Penalties: If minimum balance is not maintained, a charge of AED 26.25 will be levied.

Fees and Charges of AL Hilal Bank Current Account

There are various fees and charges associated with AL Hilal Bank Current Account which are applicable for the convenience and maintenance of the account. These charges are related to account activity and balance and may be updated by the Bank from time to time. Details of these charges are available in the table below, which will give you information about the charges applicable for various services and transactions.

Type of Fee/Charge	Details
Minimum Balance Fee	AED 26.25 if the average balance is below AED 2,500.
E-Statement	Monthly e-statement is available for free.
Paper Statement	Additional charges on additional paper statements obtained from the branch.
Account Closure	No charges for closing the account.
Cheque Book Issuance	– For new customers: First 10 checks free, AED 1.05 per check thereafter. – For existing customers: First 25 checks free, AED 1.05 per check thereafter.
Cheque Return	– Outward Cheque Return: Free. – Inward Cheque Return: AED 105.
Cheque Stop Payment	AED 52.50.

Shariah Compliance and Certification

AL Hilal Bank Current Account is completely in accordance with Shariah rules. Funds kept in this account are treated as an interest-free loan by the bank, with no returns or benefits to the customer. 

In return, the bank invests these funds for its own profit. As per Shariah principles, this account does not involve any form of interest or Riba (interest prohibited in Shariah). Information on Shariah compliance and certification of this account is available on AL Hilal Bank’s website, where you can view documents certified by the Bank from Shariah experts.

Important Alerts and Disclaimers

If you are opening AL Hilal Bank current account, then you should keep these things in mind: 

1. Right not to issue check book : AL Hilal Bank reserves the right to refuse to issue chequebooks. Checkbook facility depends on the policies and conditions of the bank, and the bank reserves the right to change it at any time.

2. Accounts closed without funds : If an account is not funded within 120 days, it may be closed. The bank will send information about this 60 days in advance so that you can fill the account and avoid closure.

3. Use of personal accounts for trading is prohibited : Use of personal accounts for trading activities is prohibited. If a customer does so, the bank may terminate the account and blacklist the information of the concerned customer.

4. Lack of benefits according to Sharia : This account does not provide any profits or returns as per Shariah principles. The account acts only as an interest-free loan and does not bear any profit on the funds held in it.

Conclusion

AL Hilal Bank Current Account provides its users with a secure and convenient banking experience in accordance with Shariah. This account offers not only free ATM and deposit machine facilities, but also a personal checkbook and debit card. Additionally, the account does not bear any interest or other benefits, which is in line with Shariah principles. If you want to open a reliable and profitable bank account, apply for AL Hilal Bank Current Account today. You can open it through the bank’s website, customer care number, or the nearest branch.

Frequently Asked Questions (FAQ): AL Hilal Bank Current Account

My Opinion

This article provides detailed information about AL Hilal Bank Current Account, including its key features, Shariah-compliant features, and account opening process. This article provides readers with clear and concise information about account benefits and requirements, helping them make a decision. In case of further queries related to such information, please use the feedback section given below. 

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