Last Updated on 07 February 2019

Credit Bureau Consent, Welcome Offer & General Terms & Conditions

I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The products and services mentioned on this website are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This page is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.

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ADIB Business Time Deposit


Business Time Deposit

Min Balance to Maintain



Approval Time

1 Days

min balance


Min Balance to Maintain


Currency Account

approval time

1 Days

Approval Time


Required Documents

  • Application form
  • Trade Licence
  • Valid passport and Copy of Visa
  • Memorandum of Association (MOA)
  • Articles of Association (AOA)
  • Chamber of Commerce Certificate copy
  • Board Resolutions
  • Address proof
  • Emirates ID

Main Benefits

  • Flexibility to choose the account where you want to transfer the generated profit
  • Profit share expected is high
  • Investment period is also flexible

Frequently Asked Questions

⭐ What if I made a duplicate payment error, can I get refund for that?

A. Yes, it’ll automatically get credited to your business account in ADIB.

⭐ How does the bank decide the tenure for your loan application?

A. ADIB decides the tenure for your application on the basis of your debt ratio and monthly income.

⭐ Can a struggling company qualify for a business finance in ADIB?

A. As long as the company has customers who pay bill on time, it is eligible to get business finance from ADIB.

⭐ What all industries are eligible for business finance in ADIB?

A. Any for-profit business is eligible for business finance in ADIB.

⭐ What will be my payment schedule in ADIB?

A. Your payment schedule can be daily,weekly and monthly basis in ADIB.


ADIB is a Public Joint Stock company and is one of the largest banks in the UAE region. Its values include transparency in services, an atmosphere of hospitality and tolerance followed by nature of simplicity and sensibility.

ADIB stands as one of the best banks of UAE by carrying out all the transactions, contracts and services by abiding Ismalic Shari'a principles.

   Get in touch with ADIB Customer Care


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