FAB Etihad Guest Account

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With an extensive ATM network, digital solutions to your banking and investment needs via internet and mobile banking, instant account opening through Emirates ID, and more, First Abu Dhabi Bank (FAB) offers a wide range of bank accounts that make banking in the UAE a personalised and seamless experience.

In this article, we will have a look at one of the most prominent bank accounts of the bank. Named the 'Etihad Guest Account’, this account by FAB allows users to enjoy the premium features of banking as well as travelling in one place. 

Read the article below to find out more about the unique features and benefits, eligibility criteria, and the application process of the FAB Etihad Guest Account.

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Top Reasons to Choose FAB Etihad Guest Account

FAB Etihad Guest Account is specifically designed to provide an enriching and convenient banking experience to users. You can open, manage, and operate the account from the comfort of your home. Moreover, you can avail of various rewards and privileges every time you swipe your card that comes with this account.  

Listed below are some top reasons why FAB Etihad Guest Account is an excellent choice – 

(1) Easy Accessibility on FAB Mobile App:  FAB mobile application helps you to open, operate, and access your FAB Etihad Guest Account in just a few taps. Moreover, you can quickly check your balance, send money, and earn FAB rewards by using this mobile app.

(2) Debit Card Daily Limits: With the FAB Etihad Guest Account, users get an Etihad Guest Platinum debit card for free. For this card, the applicable withdrawal and transaction limits are on the higher side. The ATM cash withdrawal limit for this card is AED 20,000, while the retail purchase transaction limit is AED 40,000.

(3) Purchase Protection Insurance:  Etihad Guest Platinum debit card offers two types of protection:

  • Global Purchase Protection and Warranty Extension: Under this cover, all the things purchased using your Etihad guest platinum debit card are covered.
  • International Medical and Travel Assistance: The debit card also provides complimentary international travel and medical assistance that can provide an additional layer of financial security to your trip.

(4) Earn Miles on Etihad Guest Platinum Debit Card:  The debit card holders are also entitled to the exclusive reward  program that allows them to earn Etihad Guest miles on all spending and redeem the accumulated points at various places:

  • Earn 2 miles for every AED 10 spent on domestic transactions
  • Get 2.5 miles for every AED 10 spent on international transactions
  • Get 4 miles for every AED 10 spent on Etihad or Etihad Airways partners
  • If you maintain an average balance of AED 10,000 per month, you can get 1.5 miles on every AED 1,000
  • FAB offers 500 welcome bonus Etihad miles on your first purchase with a debit card
  • Enjoy 500 bonus Etihad guest miles on the transfer of your first salary

(5) Free Cash Withdrawals: Users can enjoy two non-FAB ATM cash withdrawals in the UAE for free

Features & Benefits of FAB Etihad Guest Account

Some of the most notable features and benefits of the FAB Etihad Guest Account are discussed for your consideration below –

  1. Minimum Balance Requirement: FAB Etihad Guest Account is a zero balance account, meaning that you don't have to maintain any minimum balance for this account. However, keep in mind that your average monthly account balance should be at least AED 10,000 to earn Etihad Guest miles.
  2. Single Currency:  FAB Etihad Guest Account is available solely in the AED currency.
  3. Interest on Debit Balance: The bank charges a fixed interest rate on the debit balance of the FAB Etihad Guest Account, which is 19% per annum (minimum AED 175 per month).
  4. Complimentary Chequebook and Debit card:  Account holders get the first chequebook without any fee with the FAB Etihad Guest Account. For new banking relationships, a chequebook containing ten leaves will be issued for free – for customers with existing FAB bank accounts, a chequebook of 25 leaves will be issued. 
    Besides the chequebook, the FAB Etihad Guest Account also provides an Etihad Guest Platinum debit card to users for free.
  5. Debit Cards Cash Withdrawal: With the Etihad Guest Platinum debit card, you can make free cash withdrawals at FAB ATMs as many times as you want and 2 cash withdrawals from non-FAB ATMs in the UAE
  6. Free Local Funds Transfer: You can make up to 4 free domestic fund transfers monthly with Etihad Guest Account
  7. International Remittance: An accountholder can enjoy their first international remittance free (monthly) in AED accounts. Take note that only the FAB charges are waived – other charges may still apply.

Eligibility Criteria to Open FAB Etihad Guest Account

To open a FAB Etihad Guest Account, the applicant needs to meet the following eligibility criteria as determined by the bank – 

  • Nationality: The applicant must be a UAE resident 
  • Age Criteria: The applicant must be at least 18 years old to apply for the account
  • Employment: Both salaried customers and non-salaried customers can apply for the FAB Etihad Guest Account
  • Minimum Income Criteria: Salaried applicants must have a monthly income of at least AED 10,000. Self-employed individuals or non-salaried employees, on the other hand, are required to make an initial deposit of at least AED 10,000 to meet the criteria.

Documents Required to Open FAB Etihad Guest Account

Although the document requirements vary as per the user, a few general documents are required from all applicants for a FAB Etihad Guest Account – 

  • Completed application form for the account 
  • Copy of valid passport/resident visa/Emirates ID 
  • Income-proof

Note:  Additional documents may be required by the bank as per the profile of the applicant

How to Apply for the FAB Etihad Guest Account?

You can apply for the FAB Etihad Guest Current Account through four different channels as discussed below in brief – 

  1. FAB Mobile App: With the advancement of technology, the leading banks in the UAE have amplified their focus on digital platforms, including mobile banking. This list also includes FAB, which allows users various services at their fingertips via smartphones. 
    If you wish to apply for the FAB Etihad Guest Account, you can simply download the FAB mobile application using the Google Play Store, Apple App Store, or App Gallery as per your device. Alternatively, you can scan the code on the FAB's home page to install the app. 
    Once installed, register yourself using your Emirates ID. Enter personal details related to your address, employment, and more as per the requirements. Users can then open their FAB Etihad Guest Account instantly after submitting these details. 
  2. Online Application:  The official website of FAB is another option for those looking to apply for a FAB Etihad Guest Account. You can start by visiting the bank's official website and heading to the 'FAB Etihad Guest Account' page. 
    Once you are on the page, fill out the lead form with details like your name, e-mail address, contact number, monthly income, city of residence, and nationality. After the submission of these details, the concerned bank personnel will contact you within 24 hours and move the application further.
  3. Offline Application:  The traditional option of visiting the bank and opening your account is also available for the Etihad Guest Account. For this, you can visit the nearest FAB branch, connect with a bank representative there, and obtain an application form from them. You can then submit the completed form along with the required documents to initiate your application. 
  4. Phone Banking: You can also apply for the FAB Etihad Guest Account via phone. Simply dial the bank's official number and put forward a request for a FAB Etihad Guest Account opening.

Fees & Charges on FAB Etihad Guest Account

Here are the general fees and charges levied on the FAB Etihad Guest account – 

FAB Etihad Guest Account Fees and Charges Amount/Fees
Opening account  Nil
Minimum Balance Nil
Relationship fee Free
Utility payment (online & ATM free) Free
Closure of the account  AED 105
No liability certificate AED 63
Account balance letter AED 52.50
Standing instructions set up AED 52.50
Penalty charges for insufficient funds for standing orders AED 26.25
Liability letter issued to government departments/embassies AED 63
Liability letter issued to financial institutions AED 63
Teller services (six free per month) AED 10 per transaction + 5% VAT
Bulk deposit and withdrawal of cash at the teller counter Free
Inward transfers (within UAE) AED 1.05
Inward foreign currency transfers AED 25 or equivalent + 5% VAT
Foreign currency transfers through online or mobile banking SWIFT transactions can bring additional charges as levied by correspondent banks
Telegraphic transfer in AED through branch AED 5.25
Telegraphic transfers in Euro, USD, and AUD through the branch AED 105
All branch telegraphic transfers except AED, Euro, USD, AUD AED 84
Cheque Fees & Charges
Cheque book (first chequebook free) Additional chequebook of 10 leaves –  AED 21  For 25 leaves – AED 26.25
Manager cheque/demand draft AED 31.50
Cancellation of manager’s cheque AED 52.50
Cheques returned drawn on the account (per cheque) AED 52.50
Returned cheque deposited in your account Free
Stop payment (per cheque) AED 52.50
Collection of post-dated cheques AED 21
Post-dated cheques withdrawn before the due date AED 26.25
Special clearance of non-FAB cheque AED 205
Photocopy of cheques Cheques dated up to one year – AED 10.50 Cheques dated beyond one year –  AED 21
Debit Card Fees & Charges
Issuing primary card Free
Replacing stolen or lost debit card AED 26.25
Replacing secret PIN code Free
Copy of sales receipt AED 26.25
For using a FAB ATM Free
International transaction processing fee 2.1% of the transaction amount+ scheme charges
For using a non-FAB ATM Non-FAB ATM in the UAE – AED 2.10 (2 free cash withdrawals per month) Non-FAB ATM in the GCC – AED 6.30 Non-FAB ATM internationally – AED 21
Balance enquiry transactions via ATM Using FAB ATM – Free Non-FAB ATM in the UAE – AED 1.05 Non-FAB ATM in the GCC – AED 3.15
Do I have to pay any fees for opening FAB Etihad Guest Account?

No, you don't need to pay fees to open FAB Etihad Guest Account.

How much balance do I need to maintain in FAB Etihad Guest Account?

FAB Etihad Guest Account is a zero balance account. This means you don’t need to maintain any minimum balance.

Does the FAB Etihad Guest Account provide free debit cards to the account holders?

Yes, the FAB Etihad Guest Account holders receive the Etihad Guest Platinum debit card at the time of account opening for free.

How much do I have to pay for the liability letter issued to the government departments and embassies?

You have to pay AED 63 for the liability letter issued to the government departments and embassies on FAB Etihad Guest Account.

How much per transaction costs for cash withdrawals at non-FAB ATMs in the UAE?

The bank doesn't charge any fee for the first two transactions at non-FAB ATMs in a month. Afterwards, a fee of AED 2.10 is levied on each transaction.

How can I earn miles on FAB Etihad Guest Account?

You can earn miles on your FAB Etihad Guest Account with your first salary transfer, by maintaining an average monthly balance of at least AED 10,000 per month, and for every AED 10 you spend (domestically or internationally) with your Etihad Guest Platinum debit card provided with the account.

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