Last Updated on 29 December 2025
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FAB Personal Savings Account
Personal Savings Account
Features
- Multi-Currency Support: You can open the account in UAE Dirhams (AED) or major foreign currencies including USD, GBP, EUR, AUD, and CAD.
- Interest Earnings: You earn interest on credit balances. For AED accounts, the interest rate is currently 0.02% per annum, calculated on your minimum monthly balance and paid half-yearly.
- Debit Card Eligibility: If you open an AED account, you receive a complimentary FAB Mastercard debit card (Standard or Platinum, subject to eligibility). Note that debit card facilities are not available for foreign currency accounts.
- Digital Access: You can manage your funds, view statements, and transfer money 24/7 via FAB Mobile and Online Banking.
- Instant Onboarding: UAE residents can open an account instantly via the FAB Mobile App using their Emirates ID.
- Salaried, non-salaried and self-employed people are eligible for this account.
- This account is open to UAE Nationals, GCC Nationals, Resident expatriates and non-resident
- Account Closure Fee: A fee of AED 105 is charged if you close the account within six months of opening.
- ATM Usage Fees:
- FAB ATMs: Free of charge.
- Other UAE Bank ATMs: AED 2.10 per transaction.
- GCC Bank ATMs: AED 6.30 per transaction.
- International ATMs: AED 21 per transaction.
- International Transaction Fee: A processing fee of 2.1% applies to international transactions, plus scheme charges.
- Minimum Balance Fee: You must maintain a minimum daily balance of AED 3,000 (or equivalent). A monthly fee of AED 26.25 applies if this balance is not maintained.
Required Documents
- Identification: A copy of your valid passport and original Emirates ID.
- Residency Proof: A valid UAE residence visa copy (for residents).
- Application Form: A completed and signed account opening form.
- Financial Proof: Proof of income, such as a salary certificate or trade license (if applicable).
Main Benefits
- Travel Privileges: Eligible Platinum debit cardholders enjoy complimentary airport lounge access across the Middle East (up to four visits per year).
- Liquidity & Growth: Your savings remain accessible via ATMs and debit card transactions while earning interest.
- Global Acceptance: The FAB Mastercard debit card allows for international purchases and withdrawals.
- Flexible Eligibility: The account is suitable for salaried, self-employed, and non-salaried individuals, including minors (subject to terms).
Frequently Asked Questions
Q. How do I open a FAB Personal Savings Account online?
A. You can apply instantly through the FAB Mobile app using your Emirates ID. Alternatively, you can visit any FAB branch or contact customer care for assistance.
Q. What is the minimum balance for the FAB Personal Savings Account?
A. You need to maintain a minimum average monthly balance of AED 3,000 to avoid service charges.
Q. Do I get free airport lounge access with this account?
A. Yes, if you are issued a FAB Platinum debit card, you receive complimentary access to specific airport lounges in the Middle East.
Q. Is prior booking required to use the airport lounge?
A. No, you do not need to book in advance. You can access the lounge simply by presenting your valid FAB Mastercard Platinum debit card.
Q. Does the FAB Personal Savings Account earn interest?
A. Yes, this is a profit-earning account. Interest is calculated on your maintained balance based on the bank’s current rates.
Q. Can I open this account in currencies other than Dirhams?
A. Yes, the account is available in AED as well as major foreign currencies like USD, GBP, EUR, AUD, and CAD.
Q. Do I get a debit card with a foreign currency account?
A. No, the complimentary FAB Mastercard debit card is only issued for accounts opened in UAE Dirhams (AED).
Q. Who is eligible to open this savings account?
A. Any individual aged 18 or above is eligible, including UAE nationals, GCC nationals, resident expatriates, and eligible non-residents.
FAB
First Abu Dhabi Bank (FAB) is one of the largest banking institutions established in 2017 and is a merger of NBAD and FGB. FAB offers tailor made solutions, products and services to the customers.The international network of FAB is spread over 5 continents providing global relationships, expertise and financial strength to local and international business. FAB offers its diversifying services by having differentiation, agility and innovation as their main motto and vision
Get in touch with FAB Customer Care