Closing a FAB bank account requires more than just withdrawing your money. You must formally request closure to ensure no future fees accumulate. While “iSave” accounts can sometimes be closed via the app, standard Current Accounts usually require a branch visit or a call center request after clearing all liabilities.
Do this next
- Empty: Withdraw or transfer all funds, leaving exactly AED 0.00 (or enough to cover the closure fee).
- Clear: Pay off any pending credit card dues or loans linked to the account.
- Download: Save all past bank statements from the app; you will lose access immediately after closure.
Step 1: Clear Liabilities & Dues
You cannot close an account if it has active debts.
- Credit Cards: Pay off the full balance and request card cancellation first. Wait for the “No Liability” confirmation (takes 3-5 days).
- Loans: Ensure all personal or auto loans are settled.
- Checks: Ensure no issued checks are floating (uncleared). Bounced checks after closure can lead to legal issues.
Step 2: The Closure Process
There are two main ways to proceed depending on your account type.
Method A: Via Branch (Standard)
Visit the nearest FAB branch with your Emirates ID and Passport. Submit a “Service Request Form” for account closure. This is mandatory if you have a joint account or a salary transfer account.
Method B: Via Call Center (Low Balance/Savings)
For simple savings accounts or “iSave” accounts with no liabilities, you may be able to close them by calling 600 52 5500. The agent will verify your identity and submit the closure request if the balance is zero.
Fees & Penalties (2026)
Be prepared for these potential charges when closing your account.
| Fee Type | Cost (AED) | Condition |
| Account Closure Fee | AED 105 | If closed within 6 months/1 year of opening (check specific plan terms). |
| No Liability Letter | AED 52.50 | Optional, but recommended for your records. |
| Clearance Letter | AED 52.50 | Issued to other banks (e.g., for buyout). |
| Fall Below Fee | AED 26.25 | Charged if you drained the funds days before the actual closure date. |
Step 3: Confirmation
Once the request is processed (typically 2–3 working days), you will receive an SMS confirmation. Try logging into the app; if the account is no longer visible, it has been successfully closed.
Pro Tip: Always request a “No Liability Certificate” (NLC) if you are leaving the UAE or switching to another bank. It costs AED 52.50 but proves you owe nothing, preventing “zombie” debt from appearing years later.
Final Thoughts
Never just “abandon” a zero-balance account. Monthly maintenance fees (approx AED 26) will accumulate, eventually turning into a significant debt that is reported to the Al Etihad Credit Bureau, ruining your credit score. Formal closure is essential.
Frequently Asked Questions
Can I close my FAB account online?
Currently, full closure for Current Accounts is rarely available directly inside the app button-click due to liability checks. You must initiate it via Call Center or Branch. However, secondary Savings accounts can sometimes be closed via “Account Services” in the app.
What happens if I leave the country without closing my account?
The account will eventually go “Dormant.” If fees accumulate (maintenance charges), it may be sent to collections. It is highly advised to close it properly before exiting the UAE.
How long does the closure take?
Once you submit the form and pay fees, it takes 3 to 5 working days. Linked credit cards take longer (up to 45 days) to fully release limits.
Last updated: October 2026
Reviewed by: Financial Research Assistant
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Author: The DubaiHowto Editorial Team
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Last reviewed: February 2026. Sources: Official UAE portals and service providers