How to Open FAB Bank Account in UAE? (2026 Guide)

Opening a FAB bank account (First Abu Dhabi Bank) has shifted primarily to digital channels, allowing UAE residents to open an account instantly using just their Emirates ID. While the bank still offers traditional branch services, the FAB Mobile App provides the fastest approval route with zero paperwork for most applicants.

Do this next

1. Download: Install the FAB Mobile app (iOS/Android).
2. Prepare: Have your physical Emirates ID ready for scanning (digital copies won’t work).
3. Decide: Choose “iSave” for no minimum balance requirements or “One Account” if transferring a salary >AED 10,000.

Eligibility & Requirements

Before starting, ensure you meet the basic criteria. While FAB (First Abu Dhabi Bank) offers accounts for non-residents, this guide focuses on UAE residents.

• Age: Minimum 21 years (18 years for savings accounts).
• Residency: Valid UAE Visa and Emirates ID.
• Employment: Salaried, self-employed, or non-salaried (housewives/students) can apply.

Document Type	Requirement
Emirates ID	Mandatory for instant digital opening.
Passport & Visa	Required if visiting a branch or if the app requests secondary verification.
Proof of Income	Salary certificate/transfer letter (required for Current Accounts with checkbooks).
Proof of Address	Utility bill (DEWA/SEWA) if your EID address differs from your current residence.

Method 1: Instant Account Opening (FAB Mobile App)

This is the fastest method. You can receive an active IBAN and virtual debit card in under 10 minutes without visiting a branch.

Step 1: Initiate the Process

Download the FAB Mobile app. On the login screen, do not sign in. Instead, tap the button labeled “Join FAB” or “Open an Account”.

Step 2: Scan Identification

The app will prompt you to scan the front and back of your Emirates ID. Ensure you are in a well-lit room to avoid glare. The app automatically extracts your details from the EID chip.

Step 3: Verification

Take a live “selfie” within the app to verify your identity against your ID photo. You may also need to verify your mobile number via an OTP sent to your registered SIM.

Step 4: Select Account & Confirm

Choose your preferred account type (e.g., iSave or Personal Current Account). Review the terms, declare your source of funds (e.g., Salary, Savings), and submit.

Step 5: Activation

Upon approval, you will receive your IBAN via SMS and email immediately. Your virtual debit card is available instantly in the app for Apple Pay/Google Wallet use. The physical card will be delivered within 3–5 working days.

Method 2: Visiting a Branch

If you are unable to use the app or require a specialized account (e.g., joint accounts or specific business tiers), you must visit a branch.

Step 1: Locate a Branch

Find the nearest FAB branch. Mall branches often have extended hours compared to standalone street branches.

Step 2: Submit Documents

Present your original Passport and original Emirates ID. If you are opening a salary transfer account, bring a salary certificate dated within the last 30 days.

Step 3: Biometrics

The agent will capture your biometric data (fingerprint) via the EID reader to authorize the account opening.

Account Types & Fees (Crucial)

Choosing the wrong account type can lead to monthly penalties. Use this table to compare the most common options.

Feature	iSave Account	Personal Current Account	FAB One Account
Best For	Savings & Interest	Daily Spending & Checks	Salary Transfer (>10k)
Min Balance	AED 0	AED 3,000	AED 0 (if salary is transferred)
Fall Below Fee	None	AED 26.25 / month	None (if criteria met)
Cheque Book	No	Yes (First one free)	Yes
Interest	Yes (up to 4%+)	No	No

Pro Tip: If you cannot guarantee a monthly balance of AED 3,000, open the iSave Account instead. It has no minimum balance fees and still gives you a debit card and full app access. You can always upgrade later.

Fee Breakdown

Be aware of these standard charges to avoid surprises:

• Monthly Maintenance: AED 26.25 (charged only on Current/Savings accounts if the average balance drops below AED 3,000).
• Account Closure: AED 105 (if you close the account within 6 months of opening).
• Teller Transactions: Fees may apply for cash withdrawals at the counter if an ATM could have been used.

Final Thoughts

For most users, the FAB One Account is the superior choice if you earn over AED 10,000, as it offers premium benefits and rewards. However, for those starting out or with variable income, the iSave account is the safest entry point into the FAB ecosystem because it eliminates the risk of monthly penalties.

Frequently Asked Questions

Last updated: October 2026

Reviewed by: Financial Research Assistant