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 Wakala Deposit


Business Wakala Deposit

Min Balance to Maintain

AED 500K

Relationship Manager



Approval Time

1 Days

min balance

AED 500K

Min Balance to Maintain

relationship manager


Relationship Manager


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

  • Profit rates expected are high
  • Quarterly delivery of account statements

Frequently Asked Questions

⭐ How long will the application take time to process in ADIB?

A. It can take day or two toa weeks time to process your application in ADIB.

⭐ Does ADIB report my credit history to the business credit bureau?

A. Yes, ADIB reports all your credit details to the business credit bureau.

⭐ Can we open business account in the name of more than two persons in ADIB?

A. Yes, but in this case you cannot submit the information online. You need to visit the bank and follow the process mentioned there.

⭐ Do you need to have a business plan before applying for business loan in ADIB?

A. Yes, in ADIB it is a requirement to have a business plan before applying for business loan.

⭐ Can a startup company with no credit history qualify for business loan in ADIB?

A. Yes, if it has creditworthy customers and employees.


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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