ADCB Balance Check: SMS 2626, App, Phone and ATM

For a quick ADCB balance check by SMS, send BAL followed by the last six digits of your account number to 2626 from your registered mobile, for example BAL 030001. You must register first by sending REG and your full account or credit card number to 2626. You can also log in to the ADCB Mobile Banking app, use Personal Internet Banking, call phone banking on 600 50 2030 or check at any ADCB ATM.

Do this next to check your ADCB balance

• First time using SMS? Text REG followed by your full ADCB account number to 2626.
• Account balance: text BAL and the last six digits of your account to 2626.
• Credit card balance: text CBAL and the last six digits of your card to 2626.
• Prefer an app? Log in to ADCB Mobile Banking with your password, FacePass or UAE Pass.

ADCB balance check methods compared

Abu Dhabi Commercial Bank (ADCB) gives you six ways to see your balance. ADCB’s channel pages list no fee for balance enquiries, although your mobile operator may charge its normal rate for an SMS; any bank charges appear on ADCB’s Charges and Fees page.

Method	How	Internet	Best for
SMS banking	BAL + last 6 digits of account to 2626	No	Fast check from any phone
ADCB Mobile Banking app	Accounts and Deposits on the dashboard	Yes	Full history, IBAN, statements
Personal Internet Banking	Log in on adcb.com	Yes	Desktop users, statements
Phone banking (IVR)	600 50 2030 with your TPIN	No	No smartphone or SMS registration
ADCB ATM	Card, PIN, Balance Inquiry	No	Printing a receipt
WhatsApp banking	Chat from your registered number	Yes	Quick questions and service requests

Method 1: ADCB SMS banking on 2626

ADCB calls this service Mobile Enquiry, or pull notifications. It lets you check your account balance, credit card balance and your last three transactions whenever you want, simply by sending a keyword to 2626.

Step 1: Register for SMS banking

1. Use the mobile number registered with ADCB. If you changed your number, update it first by calling the ADCB Contact Centre on 600 50 2030.
2. Send REG, a space and your full ADCB current or savings account number or credit card number to 2626. Example: REG 123456030001.
3. Wait for the confirmation SMS. You can also register through ADCB Personal Internet Banking.

Step 2: Send the balance keyword

Once registered, use these official ADCB keywords. Each one goes to 2626 and uses the last six digits of the account or card, never the full number:

What you want	Keyword	SMS format	Example
Account balance	BAL	BAL space last 6 digits of account	BAL 030001
Credit card balance	CBAL	CBAL space last 6 digits of card	CBAL 123456
Credit card details	CDET	CDET space last 6 digits of card	CDET 123456
IBAN letter request	IBAN	IBAN space last 6 digits of account	IBAN 030001
TouchPoints balance	POINTS	POINTS	POINTS
Activate a card	ACT	ACT space last 6 digits of card	ACT 123456
Set a card PIN	SETPIN	SETPIN space last 6 digits of card space PIN	SETPIN 123456 1234
Cheque book request	CBR	CBR space last 6 digits of account	CBR 057001

Your account number appears on your welcome letter, statement, chequebook and in the app. If you have more than one account, send a separate BAL message for each one. For help with the service, send MOBILE to 2626.

Pay bills by SMS too

The same 2626 number handles bill payments, which is handy right after a balance check. ADCB’s official keywords include:

Bill	Keyword	Example
DEWA (Dubai Electricity and Water Authority)	DEWA	DEWA 123456789 150
SEWA (Sharjah Electricity, Water and Gas Authority)	SEWA	SEWA 123456789 150
TAQA Distribution (Abu Dhabi)	TAQA	TAQA 12345678989 150
Etisalat (e&) mobile bill	GSM	GSM 0501234567 150
Etisalat WASEL prepaid recharge	TOPUP	TOPUP 0501234567 30
Etisalat eVision	EVISION	EVISION 800000040001 139
Salik	SALIK	SALIK followed by your Salik account and the last 6 digits of your account or card

The amount is in dirhams. For Salik, our Salik recharge guide explains the other top-up options and minimum amounts.

Method 2: ADCB Mobile Banking app

The ADCB Mobile Banking app (often just called the ADCB mobile app) shows your accounts, deposits, cards, loans and TouchPoints in one place, including ADCB Islamic deposits, Islamic cards and Islamic finance facilities. ADCB rebuilt the app with smarter guided journeys, so the menus look different from older versions.

1. Download the ADCB Mobile Banking app from the App Store or Google Play.
2. Log in with your password, with ADCB FacePass (a face scan) or, on iPhone, with UAE Pass.
3. Set up SecurePass when asked. It is a 4-digit code that replaces SMS one-time passwords (OTP) and makes approvals faster.
4. Open Accounts and Deposits on the main dashboard to see each balance and your recent transactions.

New to the app? Choose Existing Customer, then register with your debit or credit card number or your Customer ID. If you forget your password, reset it instantly with FacePass, or with your Customer Identification number or card details if you are not registered for FacePass. The app also lets you view and share your IBAN, download statements and request a stamped paper statement. ADCB also lists MoneyBuddy, its budgeting tool, among its ways to bank, if you want to track where your balance goes each month.

Method 3: Personal Internet Banking

On a computer, log in to ADCB Personal Internet Banking from the Login button on adcb.com. The account summary lists your current and savings accounts, fixed deposits, credit cards and loans with available balances. It is also where you register for SMS banking if you prefer not to text REG, and where you download e-statements for visa, rental or loan applications.

Method 4: Phone banking and IVR

ADCB’s Contact Centre is open 24 hours a day, seven days a week, and its automated IVR handles balance enquiries. Call the number for your banking segment from your registered mobile:

ADCB segment	Phone number (UAE and international)
Aspire (most personal customers)	+971 600 50 2030
Excellency	+971 600 50 2004
Privilege	+971 600 50 8008

Set up your Telephone Banking PIN (TPIN)

1. Call your Contact Centre number from your registered mobile.
2. Choose Register for TPIN from the main menu, or say “Telephone PIN” if asked.
3. Authenticate with your debit or credit card number in the self-service menu.
4. Choose a 6-digit TPIN.

To check your balance afterwards, call again, choose Other banking services or say “Balance Enquiry”, and enter your TPIN. If you get stuck, an ADCB representative can help you set up the TPIN.

Method 5: Check your balance at an ADCB ATM

1. Insert your ADCB debit card at an ADCB ATM. Use the branch and ATM locator on adcb.com to find one.
2. Choose your language and enter your PIN.
3. Select Balance Inquiry and choose whether to view it on screen or print a receipt.

Checking at ADCB’s own ATMs is the cheapest option. Other banks’ ATMs can apply a fee, shown in ADCB’s Key Facts Statement and charges page. ADCB also offers cardless cash withdrawal if you have left your card at home.

Method 6: WhatsApp banking and SMS alerts

ADCB lists WhatsApp Banking among its official channels. Message ADCB’s verified account from the mobile number registered with the bank; it can help with simple service requests. Always check for the verified business badge before sharing anything, and never send your PIN or SecurePass code in a chat.

To avoid checking manually, switch on ADCB’s mobile alerts (push notifications). They tell you when your salary is credited, when cash is withdrawn at an ATM and when other significant transactions happen on your account.

ADCB balance check problems and fixes

Problem	Likely cause	Fix
No reply to BAL SMS	Not registered for SMS banking	Send REG and your full account number to 2626 first
Error reply	Wrong digits or format	Use exactly BAL, a space and the last 6 digits
SMS from a new number fails	Mobile number not updated with ADCB	Call 600 50 2030 to update your number
App asks for documents	Emirates ID or KYC details expired	Use KYC Documents Update in the app or on adcb.com
Forgot app password	Login locked	Reset with FacePass, Customer ID or card details
Balance lower than expected	Card payments on hold or a cheque not yet cleared	Check recent and pending transactions in the app

If your Emirates ID was renewed, update it with the bank so services are not restricted; our Emirates ID status check guide helps while your new card is on the way. If your mobile number changed, see how to change your mobile number in Emirates ID as well.

Stay safe when checking your ADCB balance

• Only send SMS keywords to 2626 and only call the numbers on adcb.com or the back of your card.
• The SMS formats need just the last six digits. Nobody genuine will ask you to text your full card number, PIN, CVV or SecurePass code.
• Ignore balance check codes from unofficial websites. Some list formats with four digits or USSD codes that ADCB does not publish.
• If your phone is lost, call ADCB straight away so SMS banking and the app cannot be misused.

Banking with another lender too? Compare our guides to the FAB balance check, RIM numbers in banking and the C3 card to bank transfer if your salary arrives on a payroll card. Official sources: ADCB’s SMS enquiry keyword list and phone banking page.

This guide is part of our UAE Banking and Finance Guide.