ADCB Customer Care: What to know?

One of the Abu Dhabi Commercial Bank, ADCB Customer Care’s priorities is to provide the best ADCB banking experience for its customers. ADCB provides world-class customer service that is available 24/7, 365 days a year, with ADCB employees who are expertly trained in ADCB products and services. ADCB Customer Care offers many different ways for you to contact them, including phone calls, emails, or social media outlets such as Facebook and Twitter. In this blog post, we will discuss what you need to know about ADCB Customer Care!

Banking Customer Care & its Importance!

What is banking Customer Care?

Customer care is a department within banks that are responsible for providing support to customers. They answer questions, resolve issues with accounts, and often try to help people save money through various banking products or services. Different types of financial institutions have different customer departments depending on the size of their staff and how much business they do with clients each year. Some customer care representatives work for the bank, while others represent a third-party company that provides services to banks.

Moreover, some banks offer customer care for people who are not traditional bank customers, like business owners or commercial real estate investors. Also, some have introduced customer care services for people who are not customers at all but maybe considering a financial institution.

Why Customer Care department is important for banks?

In a competitive world, banks have to keep up with the customer requirements and provide high-quality services. Banking experience is key for every bank as it enhances their position in the market. They need to ensure that everything they offer meets customers’ expectations on time without any delays or errors. This requires implementing various strategies such as fast response times from the bank’s frontline staff, including the customer care representative.

Avoiding mistakes is very important for banks as it can cause severe damage to their reputation and business if errors are not handled properly. Banking customers today expect quick response times from the bank teams whether they call about any issues or want information on a new product or service that has just been launched. They want to contact the bank and get an answer within a limited timeframe, else they will go for another option that is available in the market.

Customer is everything!

Banks need to understand their customers’ needs and help them resolve issues through effective communication channels such as email, phone calls, or social media platforms like Facebook Messenger, etc. so that they are able to provide high-quality service on time.

New businesses have emerged in the market that are offering similar services as banks, but with more convenience and flexibility for their customers. These new players also deliver fast resolutions or instant solutions to their customers through self-help portals so that people can get answers without having to wait long hours on a phone call.

They just need an Internet connection and an email ID/mobile number of the bank’s representative where they can send queries at any time while sitting anywhere around the world. If this is not done properly by the bank then some of its potential customers might move towards these new players who offer faster response times than them which will not be good for business growth or brand awareness in the future.

What is ADCB Customer Care?

ADCB Customer Care is one of ADCB’s key functions. The Abu Dhabi Commercial Bank, ADCB cares for customers by meeting their needs and helping them understand ADCB products and services. ADCB provides customer care through its branches, call centers, ATMs, social media channels (Facebook), and mobile banking app.

ADCB helps customers with a variety of tasks including:

  • Getting account information
  • Making payments
  • Transferring funds between accounts
  • Opening new accounts
  • Selling ADCB shares or certificates to ADCC or other investors
  • Applying for loans/credit cards/mortgages etc.
  • Purchasing insurance policies from ADBC General Insurance Company (IGIC)
  • Redeeming vouchers issued by the Abu Dhabi Tourism & Culture Authority (TCA) & more.

Common Questions Asked at Abu Dhabi Commercial Bank Customer Care

Some of the common questions asked at Abu Dhabi Commercial Bank customer care are:

Q: How do I apply for a loan in ADCB?

A: One can apply for a personal loan by visiting the bank’s branch and completing an application form. Also, one can also apply for a loan online.

Q: What documents are required to get an overdraft?

A: In order to avail of the Overdraft facility, you need to submit your income details, employment status, and bank account statements along with other important documentation. It is recommended that one should have a salary account in Abu Dhabi Commercial Bank so as to be eligible for the overdraft facility.

Q: Can I transfer funds from another bank account?

A: Yes, you can make a transfer from another bank account. In order to do so, you need to visit the branch and fill up a cheque request form along with all required documentation for verification purposes.

Q: What is an E-Statement service?

A: Abu Dhabi Commercial Bank offers an e-statement facility that enables customers to access their statements online through internet banking. This facility is free of charge.

Q: What are the fees for the E-Statement service?

A: There are no charges for this e-statement service. However, one needs to pay a nominal fee if they request a paper statement instead of an electronic one.

Q: Is there any fee for making a transaction via overdraft?

A: No, you are not required to pay any fees when using your overdraft facility. However, there might be an interest charge which you need to pay if your overdraft limit is exhausted.

Q: I am not registered for Mobile Banking, how can I do so?

A: You can register yourself for mobile banking by visiting the nearest branch of Abu Dhabi Commercial Bank and completing a registration form along with providing proof of residence in case required.

Q: What is the minimum and maximum overdraft limit?

A: The bank offers flexible options for Overdraft. Different customers have different needs so as to offer a wide range of choices from AED 500 up to 100,000.

Q: How do I know my account number?

A: On your statement, you will find your account number which you can use to transfer money, do transactions, etc.

Q: How much time does it take for an international SWIFT transaction?

A: It takes about four hours or so for a bank in Abu Dhabi Commercial Bank to receive the fund transferred by another country’s branch of this bank. This is because the money first goes to an overseas branch which then transfers it back.

A: You can send money online through internet banking or visit the bank’s nearest branch and fill up a remittance slip along with required documentation for verification purposes. It is advisable that you should provide your beneficiary’s name, account number, etc while transferring funds so as to ensure the safety of transactions.

Q: What is a ‘Statement of Account’?

A: A Statement of Account, sometimes also called the bank statement or passbook, contains information about your accounts such as your deposits and withdrawals. In case you have an ATM card linked to this account then it will show all transactions done using that particular card from any part of the world.

Q: What happens if I lose my ATM card?

A: In case you have lost your ATM card, it is advisable to call the bank’s branch immediately so as to block the account. Once this procedure has been done successfully then one can visit their nearest Abu Dhabi Commercial Bank branch and fill up a Lost Card Form along with required documentation for verification purposes.

Q: What happens if my card gets stuck in the ATM?

A: If your ATM card is stuck in an ATM machine, do not try to pull it out as you might damage it even further and render it useless. Instead, visit your nearest Abu Dhabi Commercial Bank branch or call their 24/24 customer service and get the required help to remove your card.

Q: What is an ATM PIN?

A: ATM Personal Identification Number (PIN) is a four-digit number that one needs to enter while making transactions through any of their ATMs across the world. PIN authentication ensures safety for all bank customers in terms of identity theft and other cybercrimes.

Q: How can I withdraw money from an ATM?

A: You need to insert your card in the designated slot and enter your PIN number to complete transactions such as withdrawals, transfers, etc. Do not forget that you should always carry enough cash with you for emergency purposes while visiting their ATMs during night hours or outside bank branch opening times. This is because most of these machines do not give out change which means if you get more than what you require at a particular moment then it cannot be refunded back to you on another transaction later on.

However, one can also choose the ‘cash advance’ option instead of withdrawing funds so as to avoid having loose cash lying around them when they are out somewhere far away from home base.

Q: Where can I find the nearest Abu Dhabi Commercial Bank branch?

A: You should visit their website to check out all the available bank branches across UAE. Alternatively, you can also get in touch with customer care for this purpose by calling them up on 8002626, sending an email to support@adcb.com, or simply dropping in at their nearest branch.

Q: How can I make a transfer?

A: You should visit your account online to check out the options available for you here such as transfers, bill payments etc. Once you have chosen what you want to do then simply click on it and follow instructions accordingly. In case of any query or doubt, you can contact customer care by calling them up on 8002626, sending an email to support@adcb.com or visiting their nearest branch for further assistance.

Q: What are the benefits of having an Abu Dhabi Commercial Bank credit card?

A: Some of the main benefits that come with this type of account are no annual fee, discounts at certain retailers, cashback rewards on purchases made using your credit card, etc. You should visit their website for detailed information about these cards and how to apply online.

Q: What is the minimum balance required on my account?

A: Every individual is required to maintain a minimum balance of AED 1000 in their accounts. However, if you are below 18 years of age then you will require a minimum balance of AED 500 only.

Q: How can I pay my credit card bill online?

A: You should visit their website to check out all the available options for this purpose such as electronic payments, debit orders, etc. Once you have chosen what you want to do then simply follow instructions accordingly. In case of any query or doubt, you can contact customer care by calling them up on 8002626, sending an email to support@adcb.com, or visiting their nearest branch for further assistance.

Q: What are the different payment methods available at Abu Dhabi Commercial Bank?

A: You will find below-mentioned options for making payments at bank ATMs or branches:

  • Abu Dhabi Commercial Bank credit card online payments
  • Cash withdrawals at their ATMs
  • Customer cash payment service in-branch counters
  • Electronic fund transfer (EFT) including NEFT, IMPS, etc. to other banks in UAE and abroad. These can be done via an internet banking interface or customer care.
  • Debit orders
  • Cash deposits at their branches or through ‘cash deposit machines (CDMs) located in certain areas around the city. You can locate these by checking out the bank branch locator on their website.
  • Cheques encashment service for customers wanting to withdraw money from accounts held with other banks in UAE.
  • ‘Easy Payment Service’ (EPS) to make payments for utility bills, tax fines, etc.
  • Cash deposits at their branches or through CDMs located in certain areas around the city. You can locate these by checking out the bank branch locator on their website.

Q: I would like to transfer my savings account from another bank. Can you help me with this request?

A: Yes. You can visit your savings account online and follow instructions for making a transfer request or simply call customer care to do the needful on 8002626, send an email to support@adcb.com or drop in at their nearest branch with all relevant documents required for opening new accounts.

Q: Do I have any options for closing my savings account?

A: Yes. You can visit your savings account online and follow instructions for making a transfer request or simply call customer care to do the needful on 8002626, send an email to support@adcb.com or drop in at their nearest branch with all relevant documents required for opening new accounts.

Q: How can I get a duplicate statement for my savings account?

A: You should visit their website to check out all the available options for this purpose such as electronic statements, printable PDFs, etc. Once you have chosen what you want to do then simply follow instructions accordingly. In case of any query or doubt, you can contact customer care by calling them up on 8002626, sending an email to support@adcb.com, or visiting their nearest branch for further assistance.

Q: Do you offer car loans and home mortgages in the UAE or Dubai?

A: Yes. You can visit their website to check out all the available options for this purpose such as auto loans, home loans, etc. Once you have chosen what you want to do then simply follow instructions accordingly. In case, you are looking for guidance then you can speak to their representatives. They will be happy to help you out with the process.

Q: Is there any minimum amount required for car loans in UAE?

A: There is no specific minimum or maximum limit but there are some factors that need to be considered before applying such as the age of the vehicle, current market value, etc.

Q: How can I apply for car loans in UAE?

A: You can visit their website to check out all the available options. Once you have chosen what you want to do then simply follow instructions accordingly. In case, you are looking for guidance then you can speak to their representatives who will be happy to help you out with the process.

Q: What are the benefits of car loans in Dubai?

A: There are many benefits of availing of car loans in Dubai. Here are some of them:

  • Low down payment for new cars.
  • Flexible repayment options with low interest rates.
  • Fixed monthly installment amounts.

This makes budgeting easier because you can plan your finances better car loan calculator is used to check out the amount that needs to be paid back every month based on the selected model, price, and down payment

Q: What is the minimum age required to apply for a car loan in ADCB in UAE?

A: The minimum age required to apply is 21 years.

Q: What documents are required to obtain car loans in UAE?

A: To obtain a loan, you will need the following documentation along with yourself when applying at ADCB for auto financing;

Valid Emirates ID card/Passport copy (first page) & visa page of passport Photocopy of applicant’s Emirates ID card/Passport Photocopy of applicant’s valid residence visa Copy of vehicle registration document or ownership certificate

Q: What is the maximum age limit to apply for car loans in UAE?

A: No specific age limit has been set. It all depends on your financial status and repayment capacity. As long as you can afford to repay the installment amount in time, you are eligible.

Q: What is a credit score?

A: Credit scores or ratings provide a numerical expression of your financial status and repayment capacity based on certain factors such as payment history etc. All loan requests go through an analysis using this credit rating system which then gives an indication about the chances of repayment.

Q: How can I get car loans in UAE without a credit score?

A: You can obtain car loans in UAE even if you do not have a credit history. But, you will need to provide other important documents such as proof of employment, etc. So, it is advisable that you apply for an Emirates ID at the earliest so that your financial status and repayment capacity are determined based on valid proof.

Q: What is a co-borrower?

A: A co-borrower is an additional person who shares the responsibility of repaying a loan with you and becomes equally liable for any credit obligation incurred by either party as per UAE law no. (11) 2011 dated 22/03/2011 amending Federal Law no. (28) 2005, issued by President His Highness Sheikh Khalifa bin Zayed Al Nahyan.

Q: What is the purpose of a guarantor?

A: A guarantor or co-borrower signs an agreement with you that he/she will take responsibility for your loan repayment in case you are unable to do so.

Q: What is the difference between a co-borrower and a guarantor?

A: A guarantor or co-borrower signs an agreement with you that he/she will take responsibility for your loan repayment in case you are unable to do so. For example, if you have applied for car finance and do not have a credit score, you can get it approved by adding a guarantor to your loan application. The guarantor is someone who has good financial standing and will take responsibility for the repayment of the debt in case the borrower does not repay on time or defaults.

Q: How can I apply for car loans with ADCB?

A: To apply for a car loan, visit your nearest ADCB branch. You can find the list of branches on our website under ‘Locations’ and browse through to select one near you.

Q: How do I redeem my loyalty points at Abu Dhabi commercial bank?

A: You can redeem your loyalty points by going to the bank’s official website.

Q: How do I check my Abu Dhabi commercial bank credit card bill?

A: You can log in to the online banking portal and see your account balance, transactions list, or make a payment for free!

Q: Why is there an error when I try to make a payment at Abu Dhabi Commercial Bank?

A: If you receive an error message, it means that there is some kind of problem with your card.

Q: What is the best way to pay bills online from Abu Dhabi Commercial Bank accounts?

A: There are several ways to pay bills online from Abu Dhabi Commercial Bank accounts. You can either pay your bills online through the Abu Dhabi Commercial Bank’s website or can pay them via other billers.

Q: What are the available savings plans at Abu Dhabi Commercial Bank?

A: The bank offers regular savings plans, children’s accounts, and specific saving products. Moreover, customers can also avail a variety of investment plans, which come with the aim of maximizing returns.

The bank’s regular savings plan accounts have no monthly fees and do not require a minimum balance to be maintained throughout the year. Once you sign up for one of Abu Dhabi Commercial Bank’s full-service account packages, your cash is fully insured by the Central Bank of the United Arab Emirates.

Q: What is the fee for withdrawing cash at an Abu Dhabi Commercial Bank ATM?

A: As of 2015, the bank charges AED20 for withdrawing cash at an ATM within its own network. There is no charge if you withdraw funds outside the Abu Dhabi Commercial Bank’s ATM network or use your card to make purchases in UAE dirhams.

The standard service charge for using another bank’s machine in UAE is AED 20 per transaction with a limit of four transactions daily or AED 70 weekly.

Q: How do I open an account with ADCB, one of the top banks in Dubai and around the world?

A: You can open an account by visiting any Abu Dhabi Commercial Bank branch or call the bank’s customer service number.

You may choose to approach a broker if you are interested in opening one of ADCB’s investment plans. Brokers usually have access to all savings products and investments offered by the bank, which they use as tools to help you build your wealth.

You can also simply visit the nearest branch and meet with a relationship manager to discuss your personal savings goals and the suitability of any available products.

Q: What is an Abu Dhabi Commercial Bank Online or Mobile Banking account?

A: An online/mobile banking account allows you to access your bank statements, transfer funds between accounts in UAE dirhams, pay bills online without visiting a branch and receive alerts for all transactions that take place on your account.

An Abu Dhabi Commercial Bank online or mobile banking account also allows you to check the latest rates of foreign currencies, as well as keep track of ADCB’s top deals and offers.

Q: How can I close my savings account with Abu Dhabi Commercial Bank?

A: If the bank has not yet paid any interest on your balance, it will be credited to your current/savings account after the closure of accounts. However, if the bank has already paid an amount in lieu of interest, the bank will pay you this amount after the closure of accounts.

A savings account can be closed at any Abu Dhabi Commercial Bank branch in UAE, provided that all outstanding transactions are settled and the balance is zero.

Q: Where can I find out about interest rates on home loans for Abu Dhabi?

A: Interest rates for Abu Dhabi home loans depend on the type of loan you choose, your monthly income, and how much cash you are willing to put down as a deposit. However, when it comes to competitive interest rates in UAE, ADCB is among one of the best banks available today.

Q: What does escrow mean?

A: Escrow is a transaction in which money or property is held by a third party on behalf of two other parties that are involved in the transaction. The funds or assets are usually held until all conditions of the agreement have been met. For example, when you buy real estate, an escrow account can be used to hold your down payment and monthly payments. The real estate agent, seller and buyer each have access to the escrow account so that they can withdraw or deposit money as needed during the transaction process

Q: Can ADCB provide me with a credit card?

A: Yes, ADCB offers both personal and corporate credit cards. You can apply for an ADCB credit card online or at any Abu Dhabi Commercial Bank branch in UAE.

Q: How can I find out about the latest offers and deals from Abu Dhabi Commercial Bank?

A: You can visit its website, where you will find details of all current promotions and special rates. Alternatively, you may check with your nearest ADCB branch or call the bank’s customer service number.

Q: What are the interest rates for Abu Dhabi Commercial Bank savings accounts in UAE?

A: The bank offers competitive interest rates on its savings accounts in UAE. Interest is paid either monthly or annually, depending on the plan you choose.

Q: Can I link my Abu Dhabi Commercial Bank credit card account with PayPal?

A: No, there are currently no plans to allow this option in near future. However, in the meantime, you can use PayPal to shop online and pay bills with your ADCB credit card.

Q: How do I add beneficiaries for my Abu Dhabi Commercial Bank savings account?

A: You must provide the bank with a letter of authority from all proposed nominees, along with their passport copies. The nomination form needs to be duly signed by all the nominees and submitted to any ADCB branch.

Once all requirements are met, you can update your nomination by contacting the bank through phone or email/post.

Q: Is it possible for me to change my personal details (for example name) on Abu Dhabi Commercial Bank online banking?

A: All changes should be requested through email or phone. You will have to provide the bank with your old and new details as well as a copy of your passport. A request can be made through live chat for minor changes, such as name spelling correction. However, you need to submit the necessary requests in writing if it involves any other information about yourself or nominees on the ADCB savings account.

Q: I would like to open an account at ADCB, what do I need to bring when visiting your bank branch?

A: You will need to fill in the account opening form and provide proof of identification. The bank may also ask you for your salary certificates, passport copy, or any other document that can prove your identity and address.

Q: What documents do I need if I want to open an ADCB joint savings account?

A: To open a joint account with ADCB, you and your partner need to provide proof of identity and address. The bank may also ask for a copy of your passport or employment certificate.

Q: Can you assist me in changing my mobile number and email address on Abu Dhabi Commercial Bank records?

A: Yes, you can contact the bank via email or phone to request a change of mobile number and/or email ID.

Q: What is ADCB’s minimum opening deposit for a regular savings account?

A: The minimum initial requirement for a regular saving account with Abu Dhabi Commercial Bank in UAE is AED 100.

Q: How can I pay my loan installment at ADCB?

A: You can make your payment in any of the following ways- online (with internet banking), via phone, or at an ADCB branch.

Q: Where is the nearest branch of Abu Dhabi Commercial Bank to me?

A: You can find the bank’s location and contact details on its website. You can also find it on the Abu Dhabi Commercial Bank branch locator.

Q: How do I find the ATM and Branch closest to me?

A: You can easily access your nearest ADCB branch or ATM through its easy-to-use website, app, or mobile site. There is also a facility that helps search for all banks in UAE by location. This service is provided by UAE Banks.

Q: How do I transfer money from my Abu Dhabi Commercial Bank savings account to another ADCB customer?

A: To make a fund transfer, you will need to fill up an ‘internal transfer form’ and submit it along with the transfer slip to any ADCB branch office.

To know the answers, feel free to call Abu Dhabi Commercial Bank Customer Care Number at 800 ABCB (2272) or drop us an email on abcb@adcb.com. You may also visit our website for more information.

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