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United under the ADCB brand

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    450+

    ATMs for convenient banking

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    72

    Branches accross the UAE

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    One

    Brand

Welcome to the new ADCB Group

Our new journey together

We are pleased to introduce a new banking experience to former UNB customers. This page provides important information as you start using the ADCB brand.

We highly value our relationship and look forward to serving you.

Banking with the ADCB brand

What is happening?

ADCB and UNB joined forces in May 2019 to create a powerful bank that delivers outstanding service to all our customers.

The two banks have now come together under the ADCB name and brand, with an extensive network of 72 branches and over 450 ATMs and a wide range of products and services.

All banking channels for former UNB customers now carry the ADCB brand and logo, including branches, ATMs, online and mobile banking platforms, as well as communications from the bank such as your account statements.

Please carry on using the same credit card, debit card and cheque book. There are no changes to your bank account number.

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Your new banking experience

What this means for you?

The ADCB and UNB branch and ATM networks have been combined and now carry the ADCB name and brand. You can now bank anywhere across our network in the UAE of 72 branches and over 450 ATMs.

For details of our new combined network, please click here.

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Please visit adcb.com where you can find all the information you need about our products and services. The unb.com and unb.ae are no longer in service

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You can access your online banking platform Uninet via adcb.com. Uninet carries the ADCB brand but it still functions in the same way as before and your username and password remain unchanged.

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Please update the UNB mobile banking app to get the latest version. A new icon will appear on your device, and you can log in using the same username and password. While the updated app carries the ADCB brand, it continues to work in the same way that you are familiar with.

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Your account statements, SMS alerts, one-time passwords (OTP) and other correspondence will now be sent from the ADCB Group, and will be ADCB branded.

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There are no changes to terms and conditions except for the schedule of fees. Aligning charges with ADCB’s schedule of fees is part of our commitment to upgrade your experience and deliver the best possible customer service.

Click here for the updated schedule of fees, which will be effective from 26 November 2019. For the existing schedule of fees, please click here.

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Frequently Asked Questions

We are here to help

General
Branches and ATMs
Online banking and mobile banking
Electronic communication
Accounts and deposits
Credit and debit cards
Loans
Wealth Management
Subsidiaries
Customers of both ADCB and UNB

What has changed during the process of uniting ADCB and UNB under the ADCB brand?

Abu Dhabi Commercial Bank (ADCB) joined forces with Union National Bank (UNB) in May 2019 to create a powerful bank that delivers outstanding service to all our customers.

We have now brought the two banks together under the ADCB name and brand.

The ADCB and UNB branch and ATM networks have been combined and now carry the ADCB name and brand. You can bank anywhere across our network of 72 branches and over 450 ATMs in the most convenient locations in the UAE.

Both Uninet, your online banking platform, and the UNB mobile banking app carry the ADCB brand, but their features and functionality, including your login details, remain unchanged. You will be able to access Uninet by clicking here.

Your account statements, SMS alerts, one-time passwords (OTP) and other correspondence will now be sent from the ADCB Group.

Please visit adcb.com to find all the information you need about our products and services, as unb.com and unb.ae are no longer in service.

What is not changing?

There are no changes to your existing account(s) or credit and debit cards. The terms and conditions on your existing products also remain the same, except for the schedule of fees. Aligning charges with ADCB’s schedule of fees is part of our commitment to upgrade your experience and deliver the best possible customer service.

Click here for the updated schedule of fees, which will be effective from 26 November 2019. For the existing schedule of fees, please click here.

What are the changes to the branch network?

Following the merger of ADCB and UNB, we have combined the branch networks of both banks under the ADCB brand. You continue to benefit from an extensive network of 72 branches and over 450 ATMs across the UAE, in the most accessible locations.

To optimise the branch network, the bank assessed all of its locations to ensure we could provide greater convenience and minimise any overlap. As part of this process, some branches were closed, with customers reassigned to their most convenient branch. If you have any questions, our branches and contact centre will be pleased to assist you.

Can I bank at any ADCB branch?

Yes, you can access your banking services at any of the 72 ADCB branches across the UAE.

Can I use my UNB-branded card to carry out my usual transactions at ADCB branded ATMs?

Yes. Our network of more than 450 ADCB ATMs provides you with access to the full range of financial transaction services. When you insert your debit card, our ATMs will recognise your account details and direct you to the relevant menu of services.

Which online banking platform should I be using?

Please continue to use the same online banking platform, Uninet, by clicking here. Uninet now carries the ADCB brand, but it functions in the same way as before and your username and password remain unchanged.

Which mobile app should I be using? Do I need to download a new app?

Please continue to use the same mobile app. We would encourage you to update the app once prompted. A new icon will appear on your device, and you can log in using the same username and password. While the app carries the ADCB brand, it continues to work in the same way that you are familiar with.

Do I need to change my login details and passwords for internet banking and mobile banking?

No. Your online and mobile app login details, including your username, password and personal information, remain unchanged.

Which customer service email address should I use if I want to contact the bank?

UNB customer service email addresses have been changed to an ADCB domain. We request that you use the new customer service email addresses, which can be found by clicking here.

Please note that emails sent to the old UNB customer service email addresses will be forwarded to the appropriate ADCB mailbox and will be managed by the relevant team.

Will I still receive SMS alerts and one-time passwords (OTP) from UNB?

One-time passwords (OTP), which are used for security purposes, and SMS alerts will now be issued from ADCB.

Will my bank account number change?

Your bank account remains unchanged and is subject to the same terms and conditions, except for the schedule of fees.

Click here for the updated schedule of fees, which will be effective from 26 November 2019. For the existing schedule of fees, please click here.

If there are any changes to your account details during the process of integrating the banks, we will inform you ahead of time.

Do I need to change any direct debit arrangements?

No, you do not need to change any direct debit arrangements.

Is there any change to the interest rate on deposits?

The terms and conditions of your existing deposits remain the same. If you would like more information on interest rates, your relationship manager, our branches and contact centre will be happy to assist you.

Can I continue to use my UNB-branded credit card and debit card? Will it still be accepted by retailers?

Yes, all UNB-branded credit and debit cards continue to work as usual. If you require a new card or a replacement card, please follow the same process as before.

Will there be any changes to the interest and fee structure on my credit card?

The fee structure on your credit card remains the same. If you require information on interest rates and the fee structure, our branch staff, relationship managers and contact centre will be pleased to assist you.

What happens to my loyalty programmes and the reward points that I have accumulated? Should I redeem them now?

You will retain the reward points that you have accumulated, and you will be able to spend them within the usual timeframes. Any changes to your rewards during the process of integrating the banks will be communicated to you directly.

What happens to my UNB loan?

Your current loan continues as per existing terms and conditions, with the exception ofcertain fees.

Click here for the updated schedule of fees, which will be effective from 26 November 2019. For the existing schedule of fees, please click here.

Can I apply for a topup on my UNB loan facility?

No, you will not be charged any additional fees when using your UNB-branded debit card at any ADCB ATM.

How can I apply for a new loan or mortgage?

If you would like to apply for a new loan facility, please place your request through your relationship manager, branches or contact centre. Applications will be assessed in accordance with ADCB’s terms and conditions.

What happens to my existing investment holdings?

Please continue to use our investment services as usual. Your relationship manager will be happy to help you if you would like to discuss your investment portfolio.

What is happening withAl Wifaq Finance branches? Will they be rebranded?

Al Wifaq Finance branches continue to operate as usual and carry the Al Wifaq Finance name and brand. Please continue to bank as usual.

Will there be any impact on my services at Union Brokerage Company (UBC)?

Customers of UBC will not be affected by the rebranding at this time. Please continue to trade as usual directly through your broker, using the UBC mobile app, or by logging onto the UBC online trading platform.

We will inform you of any further changes to your UBC services.

If I am already a customer of both banks, will I receive just one account statement?

If you are already an ADCB customer as well as a former UNB customer, your accounts will continue to be treated separately. You will receive two separate ADCB-branded statements from us, one for your UNB account and one for your ADCB account.

As a customer of both banks, how will I tell the difference between my two ADCB-branded statements?

Please refer to the account number, which will be clearly shown on your statements. Another way of differentiating your statements will be to look for the phrase “The information contained herein pertains to your legacy Union National Bank (UNB) branded account opened prior to the rebranding of UNB to ADCB", which will appear on statements for your UNB account.

Does the merger affect my credit limits?

No, your credit limits remain the same for the banking relationships you currently have. They will be reviewed periodically in line with normal banking practice.


For complete list of personal banking frequently asked questions (FAQs), please click here.

General
Branches and ATMs
Online and mobile banking
Electronic communication
Accounts and deposits
Credit and debit cards
Loans
Customers of both ADCB and UNB

What has changed during the process of uniting ADCB and UNB under the ADCB brand?

Abu Dhabi Commercial Bank (ADCB) joined forces with Union National Bank (UNB) in May 2019 to create a powerful bank that delivers outstanding service to all our customers.

We have now brought the two banks together under the ADCB name and brand.

The ADCB and UNB branch and ATM networks have been combined and now carry the ADCB name and brand. You can now bank anywhere across our network of 72 branches and over 450 ATMs in the most convenient locations in the UAE.

Both Corporate Uninet, your online banking platform,and the UNB mobile banking app now carry the ADCB brand, buttheir features and functionality, including your login details, remain unchanged. You will be able to access Corporate Uninet by clicking here.

Your account statements, SMS alerts, one-time passwords (OTP) and other correspondence will now be sent from the ADCB Group.

Please visit adcb.com to find all the information you need about our products and services, as unb.com and unb.ae are no longer in service.

What is not changing?

There are no changes to your existing account(s) or credit and debit cards. The terms and conditions on your existing products also remain the same.

What are the changes to the branch network?

Following the merger of ADCB and UNB, we havecombined the branch networks of both banks under the ADCB brand.You continue to benefit from an extensive network of 72 branches and over 450 ATMs across the UAE, in the most accessible locations.

To optimise the branch network, the bank assessed all of its locations to ensure we could provide greater convenience and minimise any overlap. As part of this process, some branches were closed, with customers reassigned to their most convenient branch. If you have any questions, our relationship managers, branches and contact centre will be pleased to assist you.

Can I bank at any ADCB branch?

Yes, you can access your banking services at any of the 72 ADCB branches across the UAE.

Can Iuse my UNB-branded card to carry out my usual transactions at ADCB branded ATMs?

Yes, our network of more than 450 ADCB ATMs provides you with access to the full range of financial transaction services. When you insert your debit card, our ATMs will recognise your account details and direct you to the relevant menu of services.

Which online banking platform should I be using?

Please continue to use the same online banking platform, Corporate Uninet, by clicking here. Corporate Uninet now carries the ADCB brand but it functions in the same way as before and your username and password remain unchanged.

Which mobile app should I be using? Do I need to download a new app?

Please continue to use the same mobile app. We would encourage you to update the app once prompted. A new icon will appear on your device, and you can log in using the same username and password. While the app carries the ADCB brand, it continues to work in the same way that you are familiar with.

Do I need to change my login details and passwords for internet and mobile banking?

No. Your online and mobile banking login details, including your username and password, remain unchanged.

Which customer service email address should I use if I want to contact the Bank?

UNB customer service email addresses have been changed to an ADCB domain. We request that you use the new customer service email address at commercial@adcb.com.

Please note that emails sent to the old UNB customer service email address will be forwarded to the appropriate ADCB mailbox and will be managed by the relevant team.

Will I still receive SMS alerts and one-time passwords (OTP) from UNB?

One-time passwords (OTP), which are used for security purposes, and SMS alerts will now be issued from ADCB.

Will my bank account number change?

Your bank account remains unchanged and is subject to the same terms and conditions. If there are any changes to your account details during the process of integrating the banks, we will inform you ahead of time.

Will there be any changes to the way I transact with my former UNB account, including fund transfers, cheque clearing and cash withdrawals?

No, there will be no changes in account transactions. Please continue to bank as usual.

Will my relationship manager change?

We are aiming to ensure that you experience minimal disruption throughout this process. If your relationship manager changes, we will follow our usual process to ensure continuity in the personal service you receive.

Can I continue to use my UNB-branded credit card and debit card? Will it still be accepted by retailers?

Yes, all UNB-branded credit and debit cards continue to work as usual. If you require a new card or a replacement card, please follow the same process as before.

Will there be any changes to the interest and fee structure on my credit card?

The fee structure on your credit card remains the same. If you require information on interest rates and the fee structure, our branch staff, relationship managers and contact centre will be pleased to assist you.

Do I need to change any bill payment or other payment arrangements I have made through my credit card?

No, you do not need to make any changes to bill payment or other payment arrangements you may have set up using your credit card. They will continue to function as usual.

What happens to my UNB loan?

Your current loan continues as per existing terms and conditions.

Is there any change to the interest rate on my loan?

The terms and conditions of your existing loans and deposits remain the same. If you would like more information on interest rates, your relationship manager, our branches and contact centre will be happy to assist you.

How can I apply for a new loan?

If you would like to apply for a new loan facility, please place your request through your relationship manager, branches or contact centre. Applications will be assessed in accordance with ADCB’s terms and conditions.

If I am already a customer of both banks, will I receive just one account statement?

If you are already an ADCB customer as well as a former UNB customer, your accounts will continue to be treated separately. You will receive two separate ADCB-branded statements from us, one for your UNB account and one for your ADCB account.

As a customer of both banks, how will I tell the difference between my two ADCB-branded statements?

Please refer to the account number, which will be clearly shown on your statements.

Another way of differentiating your statements will be to look for the phrase “The information contained herein pertains to your legacy Union National Bank (UNB) branded account opened prior to the rebranding of UNB to ADCB", which will appear on statements for your UNB account.

Does the merger affect my credit limits?

No, your credit limits remain the same for the banking relationships you currently have. They will be reviewed periodically in line with normal banking practice.


For complete list of SME banking frequently asked questions (FAQs), please click here.

Important links

For information on products and services previously provided by UNB, including loans, UNB-branded credit cards and savings, please see links below.

contact us

Did not find what you are looking for?

Our dedicated contact centre team is more than happy to assist you.

Contact centre

Within UAE 600 566 665

Outside UAE +971 2 693 0120

Branches & ATMs