First Abu Dhabi Bank (FAB) review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
First Abu Dhabi Bank differs from card focused providers by pairing cards with direct lending across personal, car, secured and debt consolidation needs. For residents seeking cards alongside borrowing for purchases, remortgage steps and home improvement, the range supports wage transfer based applications with direct lender contact.
Key facts
Loans
- Loan amount
- AED 2,000,000 to AED 5,000,000↗
- Term
- 6 to 48 months↗
- Arrangement fee
- 1.05% of principal, one-time, min AED 525, max AED 2,625 incl. VAT↗
- Credit check
- Hard↗
- Funding time
- Approval takes approximately 24 hours↗
- Representative example
- AED 250,000 at 3.99% fixed for 48 months, EMI AED 5,681.46, total interest AED 22,710.08↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Free early repayment
- No↗
- Eligibility
- 21+ years old, UAE resident with valid passport/resident visa/Emirates ID, minimum monthly salary AED 7,000, salary transfer to a FAB account, employed by a governmental, semi-governmental or reputable private organisation↗
- Origination fee (%)
- 1.05%↗
- Loan types
- Personal, Car, Secured, Debt-consolidation↗
- Use cases
- Home-improvement↗
Savings
Mortgages
Apps and profiles
- Get the app
- App Store
Pros
Pros
- It covers cards alongside personal, car, secured and debt consolidation borrowing
- It supports purchases, remortgage steps and home improvement activity together
Who it suits
- UAE residents seeking cards alongside direct borrowing
- Employees with wage transfer based application arrangements
How First Abu Dhabi Bank (FAB) compares
Frequently asked questions
Who can apply to First Abu Dhabi Bank?+
Applicants live in the UAE and hold valid identity and residence documents. They work for a recognised public or private employer and arrange for wages to be paid into an account with the bank. Employment and residence status form the basis of eligibility.
What products does First Abu Dhabi Bank cover?+
The range centres on cards alongside direct lending for personal, car, secured and debt consolidation needs. Lending also supports purchases, remortgage steps and home improvement activity for different borrowers. Borrowers interact directly with the lender throughout the arrangement.
Which borrowing goals can the lending support?+
Lending supports purchases alongside remortgage activity and equity release steps. Home improvement projects are included within the use cases for borrowers. Personal and car needs sit within the wider borrowing range offered directly.
Which company operates First Abu Dhabi Bank (FAB)?+
First Abu Dhabi Bank (FAB) is operated by First Abu Dhabi Bank PJSC. (Source, checked September 26, 2026)
Where is First Abu Dhabi Bank (FAB) based?+
First Abu Dhabi Bank (FAB) is based in United Arab Emirates. (Source, checked September 26, 2026)
When was First Abu Dhabi Bank (FAB) founded?+
First Abu Dhabi Bank (FAB) was founded in 2017. (Source, checked September 26, 2026)
Sources
- en.wikipedia.org/wiki/First_Abu_Dhabi_Bank checked September 26, 2026
Backs: Founded
“Founded April 2017; it was formed in 2017 through the merger of First Gulf Bank (FGB) and National Bank of Abu Dhabi (NBAD)”
- bankfab.com checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“First Abu Dhabi Bank PJSC - Abu Dhabi - Dubai - United Arab Emirates”
- bankfab.com/en-ae/personal/accounts checked September 26, 2026
Backs: Pricing model, Monthly fee
“iSave Account - No monthly fee or minimum balance requirement”
- bankfab.com/en-ae/personal/accounts/savings-accounts/isav... checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Rate type
“No restrictions on the number of withdrawals”
- bankfab.com/en-ae/personal/jaywan-debit-card checked September 26, 2026
Backs: Card type, Card network
“The Jaywan Debit Card is a domestic-use-only card issued by FAB under the UAE's national card scheme, managed by Al Etihad Payments.”
- bankfab.com/en-ae/personal/loans checked September 26, 2026
Backs: Loan amount, Funding time
“UAE nationals can receive loans of up to AED 5 million and expats can receive loans for up to AED 2 million”
- bankfab.com/en-ae/personal/loans/personal-loans checked September 26, 2026
Backs: APR, Loan types, Use cases
“Interest rates for UAE Nationals - Starting from 4.70% to 13.99%”
- bankfab.com/en-ae/personal/loans/personal-loans/personal-... checked September 26, 2026
Backs: Credit check, Eligibility, Free early repayment, Lender type, Arrangement fee, Origination fee (%), Representative example, Term
“The applicable interest rate depends on various factors such as income, employment status, type of loan, credit score, and an affordability assessment conducted by the bank”
- bankfab.com/en-ae/personal/mortgages/mortgage-loan-for-re... checked September 26, 2026
Backs: Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose
“With a salary transfer + FAB Credit Card: 1 year 3.99%, 2 years 3.99%, 3 years 3.99%, 5 years 4.19%”
Compiled from 9 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Annual fee, Currency conversion fee, Rewards type.