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Please read the following important terms and conditions before accessing this website. By accessing this website you agree to be bound by these terms and conditions. If you do not agree to be bound by these terms and conditions please do not access this website.


The contents of this website are for information only. They should not be regarded as complete or up-to-date. Full details of ADIB products and services are available from any branch of ADIB.


Certain services referred to in this website are intended for residents of United Arab Emirates and are not available to overseas residents, as they may not comply with foreign laws.


This information is not intended to provide professional advice and should not be relied upon in that regard. Persons accessing these pages are advised to obtain appropriate professional advice where necessary.


About these Terms

The use of this website and any transactions conducted on it are governed by these terms and conditions ("Terms"), the Privacy and Security Statement, the Hyperlink Statement and the Terms and Conditions for Internet Banking.



References to "you", "your" and "yours" are references to the person(s) accessing this website.


Acknowledgement and Acceptance of Terms

This website is owned and operated by ADIB. All ADIB products and services are subject to the terms and conditions and disclaimers of the applicable agreement governing their use. These Terms are to be read by you together with such other terms, conditions and disclaimers. In the event of any conflict, the terms, conditions and disclaimers applicable to specific products or services shall prevail over these Terms.


By using this website, whether browsing or opening an application, you acknowledge that you have read and understood the Terms and agree to be bound by them.


The information and other material provided in the pages of this website (including the Terms) may be changed at any time without notice by updating this posting. You agree to review the website regularly and your continued access to, or use of, this website following any changes will mean that you agree to any changes (including any amended Terms).


No Offer or Advice

The material on this website contains general information about ADIB products and services. Unless expressly stated otherwise this information does not constitute an offer or inducement to enter into a legally binding contract and does not form part of the terms and conditions for such products and services.


The information is not intended to be taken as financial advice and does not take into account any investor's individual requirements and circumstances.


Disclaimer and Limitation of Liability

The following clauses exclude or limit ADIB’s legal liability for this website. You should read them carefully. They all apply only so far as the law permits.


Whilst ADIB has taken reasonable steps to ensure the accuracy, currency, availability and completeness of the information contained on this website, information is provided in good faith on an "as is", "as available" basis and ADIB does not make any representation or warranty of any kind, whether express or implied, as to the reliability of the information contained on this website. The information is believed to be accurate and current at the date the information was placed on this website. ADIB does not accept any responsibility arising in any way (including negligence) for errors in, or omissions from, the information contained in this website.


The use of this website is at your sole risk. ADIB shall not be liable for any losses or damages or expenses (including legal costs) whatsoever arising out of or referable to materials on this website or accessed through this website, even if ADIB has been advised of the possibility of such damage.


ADIB does not represent or warrant that this website will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and to undertake reasonable and appropriate precautions to scan for computer viruses or other destructive properties.


ADIB makes no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with this website.


You may have rights and remedies available to you in relation to the provision of services by ADIB which cannot be excluded, restricted or modified ("non-excludable rights"). ADIB does not exclude any of these non-excludable rights, but does exclude any other conditions and warranties implied by custom, law or regulation.


ADIB’s liability for breach of any non-excludable rights is limited, at the option of ADIB, to the supply of the services again, or the payment of the cost of having the services supplied again.


Geographical Area


Unless otherwise stated or agreed with you, the information on this website has been prepared in accordance with U.A.E. law for residents of the U.A.E. and for the supply of products or services in U.A.E. To the extent that it does not satisfy the laws of the country in which you reside or from which you are accessing this website, it is not directed to you.


You acknowledge and agree that all products or services provided to you by ADIB shall only be available and be deemed to be provided in the jurisdiction/s within which ADIB is authorised to operate.


Third Party Sites

Where ADIB provides hypertext links to other locations on the Internet, ADIB does so for convenience and information purposes only. ADIB has not verified, and are not responsible for, the content of any other websites or pages linked to or linking to this website. The inclusion of any link does not imply an endorsement, approval or recommendation of the linked website or its content by ADIB and, subject to any applicable law which cannot be excluded, ADIB makes no representation or warranty, expressly implied, regarding the quality, merchantability or fitness for purpose of any products or services available through a third party website. Following links to any other websites or pages is entirely at your own risk and ADIB shall not be responsible or liable for any losses, damages or expenses or in other way in connection with linking.


Links to downloadable software websites are for convenience only and ADIB is not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software.


Trademarks and Copyright

Unless otherwise indicated, copyright in all information and other materials on this website (including information and its arrangement) is owned by or licensed to ADIB. All rights are reserved. This website or any portion of this website may not be reproduced, adapted, distributed, displayed, transmitted or otherwise exploited for any commercial purpose that is not expressly permitted by ADIB. You may imprint, copy, download or temporarily store extracts from this website for your personal information or when you use ADIB’s products and services. You must not alter anything. In particular you may not use a part of this website, or link any other website to this website, without ADIB prior written permission.


Nothing contained on this website should be construed as granting any licence or right of use of any trademark displayed on the website without the express written consent of ADIB.



You agree not to attempt to transfer any material of any kind to this website which contains a virus, malicious computer code or any harmful component and not to otherwise attempt to alter the content of the website. You agree that you are wholly responsible for use of this website by any person using your computer and you agree to ensure that any such person complies with these Terms. You agree to immediately notify ADIB of any unauthorised use of your e-mail address or any other breach of security.


Data Protection and Security

ADIB may as a result of your interaction with this website hold and process personal information obtained about you when you access this website. ADIB may use this information for making financing decisions and servicing ADIB’s relationship with you, for the purposes of fraud prevention, audit and debt collection, to identify products and services which may be relevant to you from both within ADIB and selected third parties, to evaluate the effectiveness of ADIB’s marketing of this website and for statistical analysis. ADIB will not disclose any such information outside ADIB except where ADIB is authorised by you or by the law to do so, for fraud prevention purposes, if obliged by law or a regulator, or by confidential agreement to sub contractors or people acting as ADIB’s agents in the performance of the services ADIB provides.


By agreeing to these Terms you agree to such information being so used and that it may be transmitted to others as stated above.



All figures displayed on this website relating to fees, charges and any other amounts are in UAE Dirhams (unless otherwise stated) and are current at the time of issue, but may change at any time.



These Terms and your access to this website may be terminated at any time by ADIB without notice. All restrictions, disclaimers and limitations of liability by ADIB will survive termination.


Governing Law

These Terms are governed by and are to be construed in accordance with the laws of Abu Dhabi and the U.A.E. You agree to the non-exclusive jurisdiction of the courts of Abu Dhabi and any courts which may hear appeals from those courts in respect of any proceedings in connection with these Terms or this website. If any provision of these Terms is found to be invalid or unenforceable by a Court of Law, such invalidity or unenforceability will not affect the remainder of the Terms which will continue in full force and effect.

ADIB reserves any rights not expressly granted in these Terms.


Moving on

By moving to any other part of this website you agree that you have read, considered and understood these Terms and will be bound by them. You agree to regularly check the contents of these Terms for amendments, and will carefully read the terms, conditions and disclaimers provided at other parts of this website.



Please read these terms and conditions carefully.


By accessing this website and any of its pages you are agreeing to the terms and condition set out below.


Hyperlinks from ADIB Websites to Other Third Party Websites

This website may contain links to other websites on the Internet. These links are provided for your convenience. However, by providing hyperlinks to an external website or webpage, ADIB shall not be deemed to endorse, recommend, approve, guarantee or introduce any third parties or the services/ products they provide on their websites, or to have any form of cooperation with such third parties and websites unless otherwise expressly stated by ADIB.


ADIB is not in any way responsible for the content of any externally linked website or webpage. You use or follow these links at your own risk and ADIB is not responsible for any damages or losses incurred or suffered by you arising out of or in connection with your use of the link. ADIB is not a party to any contractual arrangements entered into between you and the provider of the external website unless otherwise expressly specified or agreed to by ADIB.


Any links to websites that contain downloadable software are provided for your convenience only. Again ADIB is not responsible for any difficulties you may encounter in downloading the software or for any consequences from your doing so. Please remember that the use of any software downloaded from the Internet may be governed by a licence agreement and your failure to observe the terms of such licence agreement may result in an infringement of intellectual property rights of the relevant software provider which ADIB is not in any way responsible.


Please be mindful that when you click on a link and leave ADIB’s website you will be subject to the terms of use and privacy policies of the other website that you are going to visit.


Hyperlinks from External Websites to ADIB’s Website

You must always obtain the prior written approval of ADIB before creating a hyperlink in any form from a third party website to any ADIB website. ADIB may or may not give such approval at its absolute discretion. In normal circumstances, ADIB may only approve a hyperlink which displays plainly ADIB’s name or website address. Any use or display of ADIB’s logos, trade names and trademarks as a hyperlink will not be approved unless in very exceptional circumstances and may be subject to a fee as ADIB may determine at its absolute discretion.


ADIB is not responsible for the setup of any hyperlink from a third party website to any ADIB website. Any links so set up shall not constitute any form of co-operation with, or endorsement by, ADIB of such third party website. Any link to an ADIB website shall always be an active and direct link to an ADIB website and shall be made directly to the home or front page of ADIB’s website only and that no "framing" or "deep-linking" of ADIB’s web page or content is permitted.


ADIB is not liable for any loss or damage incurred or suffered by you or any third party arising out of or in connection with such link. For further trademarks and copyright information, please refer to the paragraph below. ADIB reserves the right to rescind any approval granted to link through a plain-text link or any other type of link, and to require the removal of any such link to any ADIB website, at its discretion at any time.


ADIB’s Trademarks and Copyright

The content and information contained within ADIB’s website or delivered to you in connection with your use of ADIB’s website is the property of ADIB and any other third party (where applicable). The trademark, trade names and logos (the "Trade Marks") that are used and displayed on ADIB’s website include registered and unregistered Trade Marks of ADIB’s and other third parties. Nothing on ADIB’s website should be construed as granting any licence or right to use any Trade Marks displayed on ADIB’s website. ADIB retains all proprietary rights on its website. Users are prohibited from using the same without written permission of ADIB of such or such other parties.


The materials on this website are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without ADIB's prior written consent.


No Warranties

While every care has been taken in preparing the information and materials contained in this website, such information and materials are provided to you "AS IS" without warranty of any kind either express or implied. In particular, no warranty regarding non-infringement, security, accuracy, fitness for a particular purpose or freedom from computer virus is given in conjunction with such information and materials.


ADIB’s Security Precautions


ADIB has employed a range of security features for its Internet Banking Services.

1.  Firewall
2.  Encryption (128 bit Secure Socket Layer)
3.  Comtrust Digital Certificate
4.  Two level of Password for executing Financial Transactions
5.  Virtual Keyboard
6.  Timed Log-off




It is the Virtual electronic fence that prevents unauthorized access to the ADIB servers.




SSL stands for "Secure Sockets Layer". It is a protocol designed to enable applications to transmit information back and forth securely. Applications that use this protocol inherently know how to give and receive encryption keys with other applications, as well as how to encrypt and decrypt data sent between the two SSL has been universally accepted on the World Wide Web for authenticated and encrypted communication between the customer's computer and servers.


ADIB uses 128-bit encryption key to scramble all messages between your PC and all ADIB online sessions. It is the strongest and more secure form of encryption that is most widely used worldwide. Some applications that are configured to run SSL include web browsers like Internet Explorer and Netscape, email programs like Outlook, and Outlook Express etc. These programs are automatically able to receive SSL connections.


Comtrust Digital Certificate


Digital certificates are issued by certification authorities to authenticate a Web site or elements of Web sites. The certificate identifies the originator of the site, or element, and verifies that it has not been tampered with. When your Web browser is presented with a certificate, it will check to see if a legitimate certification authority issued the certificate. If there is a match, your session will continue. Otherwise, your browser will issue a warning and your safest action is to cancel your activity.


Two levels of Password for Financial Transactions


Funds Transfers and Bill Payment can be executed through Internet Banking only by use of transaction password in addition to the password used for logging in. All main transactional facilities on the website cannot be done without entering transactional password.


Virtual Keyboard


For enhanced security against keystroke capturing, input of your username, password or PIN will only be allowed via the virtual keyboard using your mouse. The virtual keyboard is displayed with numbers (buttons) in random order, rather than the standard 0-9.


Timed Log-off

To further protect against unauthorized access to your accounts, our systems are designed to automatically terminate a secure online session if extended inactivity is detected. If your session is left idle the message will popup after the specified time has elapsed, which will prompt you to either continue or terminate the session.



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