ADCB Etihad Guest Excellency Account

Abu Dhabi Commercial Bank (ADCB) is one of the most renowned financial institutions in the UAE. ADCB offers numerous banking solutions and financial services like loans, mortgages, and credit cards, as well as diverse types of accounts catering to the need of market segments. From this list, the ADCB Etihad Guest Excellency Account is an excellent option for customers looking for seamless banking and various rewards as well as accessibility and convenience for themselves.

Let’s cover the top features and benefits of ADCB Etihad Guest Excellency Account, its eligibility criteria, documentation required, and how to open and access it using various platforms easily.

Features and Benefits of ADCB Etihad Guest Excellency Account

ADCB Etihad Guest Excellency Account comes with a host of features and benefits, with the salient ones discussed below :

  • Minimum Average Balance: With ADCB Etihad Guest Excellency Account, a user is required to maintain a minimum average balance of AED 10,000
  • Maximum Average Balance: Similar to the previous limit, a maximum average balance limit of AED 250,000 also exists for accountholders 
  • Available in AED: The applicants can operate and manage their ADCB Etihad Guest Excellency Account in AED only
  • Free E-Statements:  ADCB Etihad Guest Excellency Account users get e-statements within the stipulated bill cycle. These e-statements can help them manage their finances and examine each transaction.
  • Easy Account Opening: If you fulfil the eligibility criteria, you would be able to open ADCB Etihad Guest Excellency Account in just a few minutes via online banking. However, there are still other platforms through which you can easily open this ADCB bank account.
  • Free Debit Card: ADCB Etihad Guest Excellency Account offers a free debit card with savings and current accounts. It offers Etihad guest miles, free ATM transactions, and numerous discounts on dining, travel, and entertainment.
  • Free Chequebook: ADCB Etihad Guest Excellency Account offers a free chequebook of 10 or 25 leaves, depending on the customer's requirement. 
  • Rewards and offers: ADCB Etihad Guest Excellency Account offers several bonuses for its users. Some of the major ones are:
  • Get 4 Etihad guest miles for every AED 1,000 maintained monthly in your ADCB Etihad Guest Excellency Account
  • After a year of completion with ADCB, you will earn a bonus of 500 Etihad guest miles
  • Earn a bonus of 500 Etihad guest miles the first time you register with ADCB personal internet banking service
  • Online Banking Services: With ADCB online banking portal, you can easily manage your finances and your ADCB Etihad Guest Excellency Account. The online banking portal offers several facilities like transferring funds, paying utility bills, ordering additional chequebooks, and others at your convenience. 
  • Fees for Cheques: ADCB Etihad Guest Excellency Current Account users don’t have to pay any fee for cheques

Fee, Charges, and Minimum Balance on ADCB Etihad Guest Excellency Account

  • Each ADCB Etihad Guest Excellency Account user must maintain a minimum average balance of AED 10,000 every month
  • The account holder has to maintain AED 500,000 total relationship balance criteria. If unable to meet the requirements, the accountholder would be required to pay AED 200 to the bank on a monthly basis.
  • Other charges for account services – 
Account Services Charges
Cheques returned (per cheque) AED 241.50
UAEDDS paying bank charge:
Direct debit request return as a consequence of insufficient funds
AED 26.25
Stop payment (per cheque) AED 105
Post-dated cheques for collection (per cheque)
  • For collection
  • For cheque withdrawal 
 AED 15.75 AED 52.50
Penalty fee for insufficient funds AED 105
For closure of the account AED 105

ADCB Etihad Guest Excellency Account offers the following free banking services:

  • Account balance letter
  • No-liability certificate
  • Release letter
  • Liability letters issued to government departments/embassies
  • Liability letters issued to financial institutions

For ADCB Etihad Guest Excellency Account fund transfer services:

Funds Transfer Fees Applicable
Remittance processing charges -Branches 
  • AED transfers within UAE (Central Bank transfer)
  • SWIFT/Telex (all transfers outside UAE and FCY within UAE)
AED 5.25 (first six transactions free)   AED 21 (first six transactions free)
Remittance processing charges - ADCB personal internet banking/mobile app
  • AED transfers within UAE (Central bank transfers)
  • SWIFT/Telex (all transfers outside UAE and FCY within UAE)


AED 1.05 (first six transactions free)   AED 21 (first six transactions free)
Cancellation/amendments AED 31.50
SWIFT copy charges AED 15.75
Inward remittance charges
  • Remittances in AED (UAE Dirhams)
  • Remittances in foreign currency
Free Free
Remittances correspondent charges (additional charges for OUR transfers)
  • AED transfers within UAE (Central bank transfers)
  • All other transfers


AED 1.05   AED 1.05

Note: The fees mentioned above and the charges schedules are indicative only. The charges are subject to change at the sole discretion of the bank.

Currency Accepted

The applicants can only operate and manage their ADCB Etihad Guest Excellency Account in AED (UAE Dirham).

Eligibility Criteria for ADCB Etihad Guest Excellency Account

Two types of ADCB Etihad Guest Excellency Account are offered by the bank: Savings Account and Current Account. While the bank has different eligibility criteria for both accounts, the standard eligibility criteria are as follows –  

Minimum Average Balance Required

  • The accountholders must maintain a monthly average balance of AED 10,000

Privilege Relationship Balance Required

  • ADCB Etihad Guest Excellency Account user has to maintain AED 500,000 total relationship balance criteria. In case a user is unable to meet the requirements, they would need to pay AED 200 to the bank monthly.

Nationality

  • UAE residents can apply for the ADCB Etihad Guest Excellency current account 
  • Both UAE residents and non-residents can apply for the ADCB Etihad Guest Excellency Saving Account 

Note: The privilege relationship criteria and documentation requirements are to be fulfilled to be considered eligible

Documents Required for Opening an ADCB Etihad Guest Excellency Account

Here are the documents required to open ADCB Etihad Guest Excellency Account (both savings and current accounts) – 

  • Original passport with UAE residence visa with more than 30 days’ validity period
  • Original Emirates ID for identity verification
  • Salary certificate (mandatory) if you are a salaried individual

If you are a UAE non-resident and applying for the ADCB Etihad Guest Privilege Savings Account, the following documents would need to be provided:

  • Applicant’s original passport
  • A copy of your visit visa and entry stamp page or e-gate card
  • Three months’ bank statements (stamped) of your existing account
  • Letter of introduction from an existing ADCB customer with more than a year of the relationship

How to Apply for the ADCB Etihad Guest Excellency Account?

The application process for ADCB Etihad Guest Excellency Account is straightforward and hassle-free. You can apply for an ADCB Etihad Guest Excellency Account via any of the following ways – 

Online Application

For online applications, all that you would need to do is visit the official ADCB website and fill out the lead form. You can then relax and wait – a bank representative will call you and assist you in further process. 

To make an online application for the ADCB Etihad Guest Excellency Account – 

  • Visit the official website of the Abu Dhabi Commercial Bank
  • Navigate the ‘Personal Banking’ section and click ‘Accounts’
  • Tap on the 'Etihad Guest Accounts' and select 'Etihad Guest Excellency Account'
  • At the top of the page, tap on the ‘Request Call back’ tab. You will be redirected to the lead form at the bottom of the same page. However, you can manually scroll the detailed page and fill out the same lead form as well.
  • If you are an existing customer, use your Customer ID, name, mail address, contact number, and Emirates and apply
  • If you are new, you can fill out the specified personal details. A bank representative will connect with you soon and provide you with all the relevant information related to the account.

Customer Centre

ADCB customer centre offers support to customers before and after the purchase of the products. You can contact ADCB's customer support team at any time at 600-50-2004 and make a request for the required banking services. Once you provide the relevant details, you will be contacted by a bank representative to assist you through the subsequent application process for applying ADCB Etihad Guest Excellency Account.

Apply Via SMS

You can also use the SMS service of your phone to open an ADCB Etihad Guest Excellency Account. Simply send the text 'CASA' to 2626 from your registered mobile number, after which the bank will connect with you for further procedures. 

Offline Application

Applicants can also visit the nearest ADCB bank branch and apply for the ADCB Etihad Excellency Account. After verifying that you fulfil all the eligibility criteria, you can carry all the relevant documents to the branch, obtain an account opening application form, and submit it after filling it out and attaching the specified documents. 

In case you are unable to locate an ADCB branch in your vicinity, you can visit the ADCB website and select the ‘Branches & ATMs’ option to find the nearest ADCB branch.

How to Access the ADCB Etihad Guest Excellency Account?

ADCB offers an online banking portal to its customers to help them easily access banking products and services. You can access your ADCB Etihad Guest Excellency Account via phone, SMS, personal internet, IVR, WhatsApp, IVR, and offline banking. 

Discussed below are the key details related to each mode of accessing your ADCB Etihad Guest Excellency Account – 

Via Phone Banking

To contact the ADCB customer care centre, which provides round-the-clock customer services, you can simply dial 600-50-2004 and quickly access the ADCB Etihad Guest Excellency Account. Phone banking includes VoicePass, Interactive Voice Response (IVR), and Contact Centre. 

WhatsApp Banking

With the help of the ADCB Etihad Guest Excellency Account, you can check your account balance, request a chequebook, and locate ADCB ATMs and branches. There are three ways through which you can subscribe to WhatsApp banking services:

  • You can subscribe by sending a WhatsApp message to 600-50-2030
  • You can subscribe using the subscription link sent via SMS, mailers, statements, and others 
  • Navigate the ‘WhatsApp Section’ on the official website of ADCB and scan the QR code

Via Online Banking

One of the most notable benefits of online banking is that you can access your ADCB Etihad Guest Excellency Account at any time from anywhere. To access this, ADCB customers can log into their online banking accounts using their banking ID and password. 

With online banking, customers can enjoy the following benefits:

  • Subscribe to e-statements and register for the ADCB mobile banking app
  • View the account and card transactions for the current period
  • Transfer funds and pay utility bills quickly
  • Directly send messages to banks for the resolution of queries

Via Mobile Banking

ADCB mobile application enables users to easily make bill payments, check account balances, and transfer funds right from their phones! To use the ADCB mobile application, you can download it from the Google Play Store, AppGallery, App Store, or Galaxy Store. You can also scan the code on the ADCB official website in the 'Mobile Application' section. 

Once you have downloaded the application, you can follow the simple steps to access your ADCB Etihad Guest Excellency Account:

  • Log into the account using e-banking or internet banking credentials
  • Navigate to the ‘Personal Banking Section’
  • The list of your accounts will appear – select the 'Etihad Guest Excellency Account' to start using the required services

Offline Banking

You can visit a branch of the ADCB near you and contact the concerned bank personnel to obtain relevant information or utilise any of the available services related to your ADCB Etihad Guest Excellency Account.

Can I pay utility bills through my ADCB Etihad Guest Excellency Account?

You can easily pay your utility bills through the ADCB Etihad Guest Excellency Account.

Can a non-resident apply for the UAE's ADCB Etihad Guest Excellency Account?

Yes, non-residents can apply for the ADCB Etihad guest Excellency Savings Account in the UAE.

Does ADCB Etihad Guest Excellency Account offer online banking services?

Yes, you can conveniently access ADCB Guest Excellency Account via online banking. You can also do the same with mobile banking via the official ADCB app.

What is the monthly fee for not maintaining the total relationship balance criteria in ADCB Etihad Guest Excellency Account?

The account holder has to pay AED 200 every month if the relationship criteria of AED 500,000 is not met.

What is the total relationship balance for ADCB Etihad Guest Excellency Account?

Total relationship balance includes fixed deposits/market value of investment holdings and current/savings/call monthly average balance. As per the bank guidelines, an accountholder must maintain an AED 500,000 relationship balance to avoid penalties.

How much do I need to pay for teller services?

If you have an ADCB Etihad Guest Excellency Account, the teller services (including cash/ cheque withdrawals or deposits) would be available for free to you.

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