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Business Choice

Business Choice

ADCB Islamic Banking BusinessChoice - The Smart Choice for Enterprising Individuals

Running your business can be difficult enough without having to deal with a bank that doesn’t appear to understand your needs. Everything from negotiating finances to paying cheques every day takes up valuable time that could be better spent focusing on your core business. That’s why ADCB has created the ADCB Islamic Banking BusinessChoice, a Shari’ah Compliant choice, for self-employed individuals and small businesses, which will be a one-stop shop for all your day to day business banking essentials.


Designed specifically for self-employed entrepreneurs and small businesses, ADCB Islamic Banking BusinessChoice will revolutionize the way you look at banking. With unique features such as no minimum account balance requirement* and complimentary cheque collection* from your business premises, ADCB Islamic BusinessChoice takes the hard work out of banking, allowing you to concentrate more on growing your business.

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  • BusinessChoice Account

    ADCB Islamic Banking BusinessChoice Account

    ADCB Islamic BusinessChoice Current Account is packed with great features designed specifically to meet the unique needs of self-employed individuals and small enterprises. Our unparalleled range of banking services was created with one aim in mind - to simplify your relationship with the bank, saving you both time and money.

    ADCB now introduces 2 new features for BusinessChoice Current Account customers: Sweep Facility and Special Savings Account

    To find out more SMS IBCA to 2626 or call our 24-hour Contact Centre on 800-5626 or visit any of our conveniently located Branches across the UAE.

    * This facility is available to ADCB Islamic BusinessChoice Gold & Platinum Account holders only. ADCB Islamic Banking’s Terms and Conditionsapply

  • Features and Benefits of ADCB Islamic Banking BusinessChoice Current Account

    • Free Cheque Pick-up Facility*

    Time is precious so don’t waste it by standing in queues. ADCB will send a vehicle to your location to pick-up cheques. That saves you time, improves cash management and reduces the possibility of fraud.

    • No Minimum Balance Requirement*

    Small businesses face no greater constraint than cash flow, which is why ADCB Islamic BusinessChoice customers can enjoy the freedom of no minimum balance for a nominal monthly fee. And those who prefer to maintain a higher balance can unlock a range of attractive waivers on day-to-day banking transactions, adding up to great annual savings.

    • Auto Sweep Facility Sweep In:

    With the Auto Sweep In facility, you don’t need to worry about returned cheques due to insufficient funds. With this new feature, the “Sweep In” facility automatically pulls in available funds from other ADCB accounts and covers up for any shortfall of funds in your primary ADCB Islamic BusinessChoice Current Account through a standing instruction.

    • Sweep Out:

    With this new facility, the surplus balances in your primary BusinessChoice Current Account can be linked to ADCB Islamic account and you can start reaping the benefits of earning higher returns from your savings.

    • Globally Accepted ATM/Debit Card

    The ADCB ATM/Debit Card, which is linked to the Petty Cash Account, offers flexibility and convenience in your everyday life. With this card, you can enjoy cash withdrawal from over 900,000 ATMs within and outside the UAE. You can also pay for all your shopping, dining, travel or any other payments conveniently with your card. What’s more - you can apply for up to 5 Supplementary Debit cards linked to the Primary Debit card.

    • Free Business Takaful Insurance (For Platinum Customers only)

    Should the worst ever happen, ADCB Islamic BusinessChoice provides you peace of mind with complimentary premises Takaful insurance coverage of up to AED 250,000 against fire and theft, subject to terms and conditions.

    • Preferential Rates on Remittances*

    Conduct your banking transactions online and not only will you be able to access your account details 24/7, you will also receive great savings on payments and transfers.

    • Free Limited Teller Transactions
    • Free Cheque Book
    • Free ATM, Phone Banking, Internet Banking and Mobile Banking
    • Free e-Statement
    • ADCB Islamic Banking BusinessChoice Special Savings Account

    This new account facility encourages you to maintain a surplus balance so that you can benefit from higher profit rates. Your surplus account balance, from your assigned daily limit, will automatically be swept out to your ADCB Islamic BusinessChoice Special Savings Account which will enable you to earn higher returns from your savings.

    BusinessChoice Special Savings Account is a savings account based on Mudarabah contract. Profit rate slabs for BusinessChoice Special Savings Account, where profit is calculated daily (End Of Day) and paid quarterly. The expected profit rates are as follows:

    Account Balance in ADCB Islamic Banking BusinessChoice Special Savings Account (in AED)Expected Profit Rate (% p.a.)
    0.00 - 24,999.990.50
    25,000.00 - 99,999.990.75
    100,000.00 - 299,999.991.00
    300,000.00 - 4,999,999.991.50
    5,000,000.00 +1.00

    Note: The profit rates are subject to the performance of the Mudarabah pool and may change without any prior notice. ADCB Islamic Banking Terms & Conditions apply. The Sweep-Out service links your primary current account to a special savings account and funds beyond preset threshold limits in the former account get transferred to the latter account to earn tiered profit based on available balance. Predefined threshold limits to trigger Sweep Out facility:

    ADCB Islamic Banking BusinessChoice Current Account (BCA)Sweep Out Threshold Amount^
    Silver BCA> AED 25,000
    Gold BCA> AED 75,000
    Platinum BCA> AED 150,000

    (Any balance above this amount will be swept out from ADCB Islamic BusinessChoice Current Account to BusinessChoice Special Savings Account by way of a Standing Instruction) Note: The threshold limits are subject to change at the sole discretion of the Bank without any prior notice. ADCB Islamic Banking’s Terms & Conditions apply. There is no minimum balance requirement or monthly charges, no cheque book facility, no TouchPoints and no ATM/Debit Card issued on this account. Teller Transactions are chargeable for cash/cheque deposit and withdrawals. Set a Standing Instruction to activate the Sweep-Out facility and reap the reward of maintaining higher balances.Click herefor Terms and Conditions.

    • Free Petty Cash Account

    To facilitate daily transactions, ADCB Islamic Banking offers no minimum balance account which comes with a Debit Card. * This facility is available to ADCB Islamic Gold & Platinum Customers only. Subject to ADCB Islamic Banking’s Terms and Conditions.

  • More advantages with ADCB Islamic Banking BusinessChoice

    • Credit Card** ADCB Islamic Banking introduces the first of its kind Islamic credit card in the UAE based on the fundamental belief of responsible Banking. This socially responsible Credit Card is available in Classic, Gold, Premium Gold and Platinum. The ADCB Islamic Credit Card is interest free and packed with a host of exciting features and benefits.
    • Banking on Education** Introducing the new Banking on Education, the only finance in the UAE that makes it easier to strive for the best education rather than settle for the affordable option. With ADCB Banking on Education you can get loan amounts up to AED 150K with flexible repayment tenures up to 48 months with finance available for both local and overseas education.
    • Murabaha Auto Finance** We have kept a keen eye on the market to offer you competitive flexible car finance that gives you great value: Finance up to AED 500,000 Tenure up to 60 months Fast approval Simple documentation
    • Home Finance for Self-Employed** BusinessChoice Customers can benefit from a Home Finance of up to AED 15 million (up to 70% of the property value), repayable over a period of 25 years at a preferential rate.
    • Bank Anytime, Anywhere With a widespread network of more than 50 branches and over 230 ATMs across the UAE, ADCB Islamic Banking’s Products and Services are never out of reach. Not only that, our toll-free, 24-hour Contact Centre at 800 5626 is available to assist you 365 days a year.

    ** All finances and credit cards are at the sole discretion of ADCB, subject to ADCB Islamic Banking’s Terms and Conditions and upon submission of the documentation acceptable to ADCB.

  • ADCB Islamic Banking BusinessChoice CurrentAccount

    BusinessChoice Current Account - Silver

    • 15 free teller transactions each month
    • 4 free cheque books per year
    • Low minimum balance requirement
    • Free BusinessChoice Debit Card (issued on Petty Cash Account)


    All this and more with a nominal monthly Account Maintenance Fee of AED 150 (Waived if monthly average balance of AED 10,000 is maintained)

    ADCB Islamic Banking BusinessChoice Current Account - Gold

    • 30 free teller transactions each month
    • 1 free cheque book per month
    • Free doorstep Cheque Pick-Up Facility
    • Discounted remittance rates
    • Free Business Choice Debit Card (issued on Petty Cash Account)


    All this and more with a nominal monthly Account Maintenance Fee of AED 200 (Waived if monthly average balance of AED 50,000 is maintained)

    ADCB Islamic Banking BusinessChoice Current Account - Platinum

    • Unlimited free teller transactions each month
    • 3 free cheque books per month
    • Free doorstep Cheque Pick-Up Facility
    • 1 Free remittance each month
    • Free Business Choice Debit Card (issued on Petty Cash Account)
    • Complimentary Business Takaful Insurance of up to AED 250,000 against fire and theft

    All this and more with a nominal monthly Account Maintenance Fee of AED 300 (Waived if monthly average balance of AED 100,000 is maintained)

3 Simple Ways To Apply

Call - 8005626
SMS - IBCA to 2626

ADCB Islamic Banking’sTerms and Conditionsapply

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