If you live in the UAE, you can open a First Abu Dhabi Bank (FAB) account online in minutes. You need your Emirates ID and the FAB Mobile app. You download the app, choose an account, verify your Emirates ID, and pass a security check. If you live outside the UAE, the path is different. Non-residents can open some FAB accounts, but they usually need to visit a branch.
This guide covers both paths. You will see account types, current rates, real fees, and documents. You will also learn why applications get delayed and how to fix it.
How to Open a FAB Account Online
- Download the FAB Mobile app from the App Store, Google Play, or AppGallery.
- Tap the option to open a new account.
- Scan your Emirates ID and finish the identity check.
- Add your personal, job, and income details.
- Choose your account and submit.
Existing customers follow a slightly different route. On the app’s home screen, open the top-right menu. Then choose “Apply for a new product” under Products Manager.
About First Abu Dhabi Bank
FAB is the UAE’s largest bank. It was formed in 2017 when the National Bank of Abu Dhabi and First Gulf Bank merged. Its head office sits in Abu Dhabi.
FAB also has a wide global footprint. The bank describes an international network across five continents and a presence in 20 markets. Moody’s, S&P, and Fitch rate FAB Aa3, AA-, and AA-, respectively. Its total assets reached AED 1.34 trillion at the end of June 2025.
At home, FAB is licensed and regulated by the Central Bank of the United Arab Emirates. That gives you UAE consumer protection rules and a formal complaints path.
Important for global readers: This guide covers FAB accounts in the UAE. FAB branches in other countries follow local laws and offer different products. For example, FAB’s Oman current account is offered in Omani Riyals and requires a salary transfer. Always check the FAB website for your country.
Who Can Open a FAB Account?
UAE nationals and residents who meet each account’s rules can open a FAB account. FAB offers options for both salaried and non-salaried people.
| Applicant | Online in the app? | What to expect |
| UAE national | Yes. | Access to most accounts |
| Expat with valid Emirates ID | Yes. | Most personal accounts open in minutes. |
| Self-employed or non-salaried resident | Usually yes. | Extra income proof may be needed. |
| Non-resident living abroad | No, in most cases | Branch visit, more paperwork |
| New arrival waiting for Emirates ID | Not yet | Wait for your ID or apply at a branch. |
| Under 18 | No | A parent or guardian applies. |
| Company or SME | Partly | Full document review and KYC checks |
Can You Open a FAB Account From Outside the UAE?
This is one of the most common global questions. The honest answer is only for some accounts, and rarely fully online.
FAB’s own pages show the split clearly. The Personal Savings Account is open to UAE nationals, GCC nationals, resident expats, and non-residents aged 18 or above. However, the Personal Current Account states that the applicant must be a UAE resident.
The online app route depends on an Emirates ID. Non-residents do not have one. So in practice, non-residents generally need to visit a FAB branch in person.
What Non-Residents Should Prepare
UAE banks apply strict anti-money laundering checks to non-residents. Typical documents at UAE banks include:
- A passport with a UAE entry stamp
- Six months of home country bank statements
- A bank reference letter
- Proof of address
- Income documents
Plan your trip carefully. UAE banking advisers suggest allowing five to seven working days. Some banks activate accounts the same day, while others take three to five business days.
Our advice: Call FAB before you fly. Ask which account fits you, what minimum balance applies, and which documents they need. From outside the UAE, you can reach FAB on +971 2 681 1511. This one call can save you a wasted trip.
Moving to the UAE Soon?
Many global readers are expats about to relocate. Here is a simple order that works:
- Get your residence visa and Emirates ID first.
- Open a FAB account in the app once your ID arrives.
- Ask HR for a salary certificate.
- Generate your IBAN letter and give it to your employer.
This order matters because your Emirates ID unlocks the fast online route.
Types of FAB Accounts
| Account | Best for | Minimum balance | Opens in app? |
| FAB iSave | Savers who want interest with no balance rule | None | Yes. |
| Personal Savings Account | Savers who want card perks | AED 3,000 monthly | Yes. |
| Personal Current Account | Daily spending and checks | Check the FAB fee schedule | Yes. |
| FAB One Account | Simple everyday banking | No minimum balance charges | Yes. |
| FAB Etihad Guest Account | Frequent flyers | Check with FAB. | Yes. |
| Elite Current Account | High earners and high savers | See Elite rules. | Yes. |
| FAB Islamic accounts | Shariah-compliant banking | Varies by product | Most |
| Business accounts | Companies and SMEs | From AED 10,000 average | Starts online |
FAB iSave Account (Zero Balance Savings)
The FAB iSave account is FAB’s digital savings account. It is held in AED, requires no minimum balance, and allows unlimited withdrawals.
The 2026 offer is strong. FAB pays 5.60% a year on new funds deposited in iSave from 1 September 2026 to 31 December 2026. Read the rules carefully, though:
- Your total FAB balance on 31 August 2026 is your base balance for the campaign rate.
- Only money above that base counts as new funds.
- New funds from the earlier campaign, from May 2023 to August 2026, keep earning 4% a year.
- FAB pays the campaign benefit within 45 days after the campaign ends.
Other balances earn the standard tiered rate:
| Balance band | Standard yearly rate |
| Below AED 500,000 | Up to 2.465% |
| AED 500,000 to AED 5,000,000 | 2.465% to 3.251% |
| AED 5,000,000 and above | 3.251% or lower |
Source: FAB official iSave page rate bands.
Worked example: You had AED 20,000 at FAB on 31 August 2026. In October, you add AED 30,000 to iSave. Only the new AED 30,000 earns 5.60%. The first AED 20,000 earns the standard rate.
Why we suggest iSave as a second account: It pays interest but works best for saving, not spending. Existing FAB customers can open it instantly in the app or Online Banking. Keep your salary in a current account and move savings across.
FAB Savings Account (Personal Savings Account)
This is the traditional FAB savings account. It needs a minimum monthly balance of AED 3,000. It comes with a free FAB Mastercard debit card and up to four Middle East lounge visits a year.
Pick it if you can hold AED 3,000 every month. It also suits non-residents, since it accepts them. If your balance may dip, iSave avoids fall-below fees.
FAB Salary Account
FAB does not have one fixed “salary account.” Instead, you transfer your salary to any FAB account.
Salary transfer customers get a zero balance account and free local ATM withdrawals. They also get free international remittances, with conditions. Free remittances matter a lot for expats who send money home.
There is also a 2026 cashback offer. Customers who transfer at least AED 5,000 monthly can get up to AED 750 a month. That adds up to AED 9,000 a year, with no lock-in period. To qualify each month, save 20% of your salary in a FAB account. You can also spend 20% on a FAB credit card instead. The offer runs until 31 December 2026.
FAB One Account
The FAB One Account has no minimum balance charges. It gives offers from selected premium UAE retailers and includes a free Platinum Mastercard debit card. You need an average balance of AED 10,000 to earn FAB Rewards on your balance.
FAB Elite Accounts
Elite banking suits high earners and large savers. You qualify with one of these:
- A Total Relationship Balance of AED 500,000
- A mortgage of AED 2,500,000
- A salary transfer of AED 50,000
Your Total Relationship Balance adds up current, savings, and call accounts, fixed deposits, and investments.
FAB Islamic Accounts
FAB Islamic offers Shariah-compliant accounts. Rules change by product. For example, the Elite Islamic Savings Account needs an AED 50,000 monthly salary transfer. You can also qualify with an AED 100,000 first deposit that grows to AED 500,000 within six months. Check each product page before applying.
FAB Account Opening Minimum Salary: The Real Answer
Many blogs claim FAB needs AED 10,000 salary for every account. FAB’s own pages do not show one universal number.
Here is what FAB actually publishes:
- iSave: No salary rule listed and no minimum balance.
- Personal Savings Account: Open to salaried, self-employed, and non-salaried applicants.
- Salary cashback offer: Starts at AED 5,000 monthly salary.
- Elite: AED 50,000 salary transfer, or the balance and mortgage options.
FAB says requirements vary with each account. It suggests contacting customer care or checking each account page.
Why this matters: A wrong salary number can stop people from applying for accounts they qualify for. Check the exact product page first. If you earn under AED 5,000, start with iSave and ask FAB about other options.
Documents Required for FAB Account Opening
| Document | Salaried resident | Self-employed resident | Non-salaried resident | Non-resident |
| Emirates ID | Yes | Yes | Yes | Not held |
| Passport | Sometimes | Yes | Yes | Yes, with an entry stamp |
| Residence visa | Yes (expats) | Yes (expats) | Yes (expats) | No |
| Proof of income | Salary certificate | Trade license, statements | Source of funds proof | Home bank statements, income proof |
| UAE mobile number | Yes | Yes | Yes | Helpful |
FAB lists its core requirements on each account page:
- A completed account opening form
- A copy of your valid passport, residence visa, or Emirates ID, with originals shown
- Proof of income
FAB may also ask for more documents case by case. For Elite and some Islamic accounts, you may need a salary certificate addressed to FAB. It must be issued within the last 30 days.
Step by Step: FAB Online Bank Account Opening in the App
Step 1: Install the Official App
Download FAB Mobile from an official store. Check that First Abu Dhabi Bank is the developer.
Step 2: Start Your Application
New customers tap to open an account. Existing customers need a customer number, debit card number, or credit card number. They also need a smartphone and a secure connection.
Step 3: Scan Your Emirates ID
Place your card on a dark, flat surface in good light. This helps the scan pass the first time.
Step 4: Verify Your Identity
The app usually asks for a selfie and a one-time password. Use a mobile number registered in your own name.
Step 5: Enter Job and Income Details
Type your employer name, job title, and salary. Match your salary certificate exactly to avoid manual checks.
Step 6: Choose Your Account and Submit
Read the key facts statement before you accept. Many applications get a fast decision. Some need a follow-up call.
Other Ways to Apply
- Website: Start on bankfab.com by tapping “Apply now” on any account page.
- Branch: Best for non-residents, joint accounts, and minors. Bring original documents.
- Callback: Request a call on any FAB product page.
FAB Zero Balance Account Opening Online
You have two zero balance routes at FAB:
- FAB iSave: No monthly fee or minimum balance requirement.
- Salary zero-balance account comes as a salary transfer benefit.
Which one should you choose? Choose iSave if you want to save and earn interest. Choose a salary transfer account for daily spending. Many people use both together.
How to Move Your Salary to FAB
- Open an account through the FAB Mobile app.
- Tap “Services” under Account Holder.
- Tap “Generate IBAN Letter.”
- Get a liability letter from your current bank.
- Share your bank details with your employer.
Why the liability letter matters: It proves you have no loans tied to your salary at your old bank. If you have a loan or credit card there, settle it first. Otherwise, your old bank may refuse the letter.
FAB Business Account Opening (First Abu Dhabi Bank Business Account)
A FAB business account suits mainland, free zone, and SME companies. It also suits overseas founders who set up a UAE company. The review is stricter than personal banking because of UAE anti-money laundering rules.
FAB Business Account Types, Balances, and Fees
| Account | Minimum monthly average balance (AED) | Fall below fee per month (AED) | Closure fee within 6 months (AED) |
| Business Basic | 10,000 | 100 | 150 |
| Business Advantage | 250,000 | 350 | 250 |
| Business Preferred | 500,000 | 500 | 500 |
| Merchant Account | 10,000 | 250 | 150 |
| Call Account | 10,000 | 250 | 150 |
Source: FAB Business Banking Fees and Charges page.
Watch for two extra charges. The Business Basic Account has an AED 250 monthly maintenance fee. Every business account also carries an AED 400 trade license expiry fee.
The Business Basic Account offers AED and multi-currency options, including USD, GBP, JPY, and EUR. It also includes free inward remittances in local and foreign currencies. The Business Advantage Account adds a dedicated relationship manager.
Documents for a FAB Company Account
Exact needs depend on your company type. Most applications include:
- Valid trade license and registration certificate
- Memorandum and Articles of Association
- Passports, visas, and Emirates IDs of owners and signatories
- Proof of business address, such as a lease or Ejari
- A company profile with activities, clients, and suppliers
- Recent bank statements for existing companies
- Expected turnover and source of funds details
International founders take note. Foreign companies may need documents attested by the UAE embassy in their home country.
How Long Does a FAB Business Account Take?
It varies. One UAE business adviser reports around 8 to 10 business days for FAB business approval. Complex ownership or cross-border activity can take longer.
Tips for Faster Business Account Approval
- Describe your business clearly. Name real clients, suppliers, and countries you trade with.
- Show real presence. A physical office or flexi desk with a valid lease helps.
- Keep documents consistent. Names, addresses, and activities must match everywhere.
- Choose a balance you can hold. Fall below fees add up every month.
- Renew your trade license early. Expiry adds a fee and can affect payments.
FAB Fees You Should Know
Opening a personal FAB account is free. Costs appear when you miss account rules. Common charges include:
- Fall below fees when your average balance drops too low
- Closure fees if you close an account Fall-below opening
- Fees for some teller services, checkbooks, and transfers
Download FAB’s “Personal Banking Fees” PDF from bankfab.com before you choose. Fees change, and the PDF is the final word.
Why FAB Applications Get Delayed or Rejected
| Problem | Why it happens | How to fix it |
| Emirates ID scan fails. | Glare, blur, or expired card | Renew your ID and scan in good light. |
| Income details do not match. | App entry differs from certificate. | Copy exact figures from your certificate. |
| Mobile number not in your name | Security checks fail. | Use a SIM registered to you. |
| Employer not recognized | Company not on the bank’s list | Expect a manual review or branch visit |
| Unclear source of funds | Large deposits with no proof | Keep contracts or statements ready. |
| Non-resident applying online | No Emirates ID | Apply at a branch instead. |
| Old loans at another bank | No liability letter | Settle or disclose loans first. |
Is FAB Right for You? Pros and Limits
Strengths:
- Strong credit ratings and Central Bank regulation
- Fast app opening for Emirates ID holders
- A high iSave campaign rate on new funds until the end of 2026
- More than 400 FAB ATMs across the UAE
- A global network for cross-border banking
Limits:
- The top iSave rate covers new funds only and ends on 31 December 2026
- Some accounts carry balance rules and fall below fees
- Non-residents usually cannot open fully online
- Business accounts need strong paperwork and steady balances
Online Safety Tips
- Download the app only from official stores.
- Never share your one time password, even with someone claiming to be FAB.
- FAB will not ask for your card PIN one-time or message.
- Avoid public Wi-Fi when you apply.
- Report anything suspicious on the Fraud and Security page on bankfab.com.
Contact FAB
Inside the UAE, call 600 52 5500, which is open 24/7. From abroad, call +971 2 681 1511.
People Also Ask
Can I open a FAB account online?
Yes. UAE residents can open most FAB personal accounts in the FAB Mobile app. You mainly need a valid Emirates ID and a UAE mobile number.
Can I open a FAB account from outside the UAE?
Not fully online in most cases. Some accounts, like the Personal Savings Account, accept non-residents. You usually need to visit a UAE branch.
How long does FAB account opening take?
Many personal accounts open within minutes in the app. Some need a manual review. Business accounts can take days or weeks.
What is the minimum balance for a FAB account?
It depends on the account. iSave has none. The Personal Savings Account needs AED 3,000 monthly. Business Basic needs an AED 10,000.
Does FAB have a zero balance account?
Yes. The FAB iSave account has no minimum balance. Salary transfer customers also get a zero balance account.
What is the FAB iSave interest rate?
FAB pays 5.60% a year on new funds with zero balance from 1 September to 31 December 2026. Other balances earn a tiered rate.
What is the minimum salary for a FAB account?
FAB publishes no single minimum salary for all accounts. The salary cashback offer starts at AED 5,000. Elite needs AED 50,000 or other options.
Can foreigners open a FAB bank account?
Yes. Expat residents who require an Emirates ID can apply online. Non-residents can open some accounts through a branch.
Can I open a FAB business account online?
You can start online, but FAB reviews every business application in detail. Expect document checks and possibly a meeting.
What documents do I need for a FAB business account?
You need a trade licence, company documents, owner IDs, proof of address, and a business profile. Existing firms also share bank statements.
How do I get my FAB IBAN letter?
Open the FAB Mobile app and tap “Services” under Account Holder. Then tap “Generate IBAN Letter” and share it with your employer.
Is FAB a safe bank?
FAB is regulated by the Central Bank of the UAE. It holds strong credit ratings from Moody’s, S&P, and Fitch.
