ADCB Business Account for UAE Free Zone Companies 2026
Abu Dhabi Commercial Bank (ADCB) is one of UAE largest banks and a popular choice for Abu Dhabi-based free zones including ADGM, twofour54, and Masdar City. Here is the 2026 guide.
In this guide:
ADCB Business Account Overview
| Account type | Business Current Account |
| Minimum balance | AED 50,000 (Business) or AED 100,000 (Business Elite) |
| Monthly fee | AED 150-250 if below minimum |
| Onboarding time | 2-4 weeks |
| Best for | Abu Dhabi-based businesses, ADGM companies, professional services |
ADCB Business Features
- Business Elite account for higher-tier companies with premium services
- ADCB Hayyak online business banking
- Multi-currency accounts
- Trade finance: LC, BG, collections
- Payroll (WPS) processing
- SME loan and overdraft facilities
- ADCB Business Visa credit and debit cards
ADCB and ADGM Companies
ADCB is particularly well-connected to Abu Dhabi free zones:
- ADGM (Abu Dhabi Global Market) companies often use ADCB as their UAE banking partner
- ADCB has dedicated ADGM relationship managers
- ADCB also opens accounts for companies at twofour54 and Masdar City
How ADCB Compares to Emirates NBD
- Both have similar minimum balance requirements (AED 50,000)
- ADCB is stronger in Abu Dhabi; Emirates NBD is stronger in Dubai
- Some nationalities find ADCB KYC process slightly faster than Emirates NBD
- Both offer similar trade finance and business credit facilities