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.
For details of our new combined network
click hereFor frequently asked questions
click hereBanking 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.
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.
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
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.
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.
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.
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.
Frequently Asked Questions
We are here to help
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.
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 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.
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.
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.
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.
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.
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.
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.
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.
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 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.
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 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.
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.
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.
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