Welcome to the future of banking, where convenience meets innovation – introducing ADCB Hayyak, your passport to hassle-free banking in the UAE. Imagine opening a bank account without stepping into a branch or drowning in paperwork – that’s the magic of ADCB Hayyak. Whether you’re a seasoned financial pro or a first-time account opener, this app is designed for you.

In a world where time is of the essence, ADCB Hayyak is your digital ally. There are no more queues or waiting – just a few clicks and your ADCB account is ready to roll. But it’s not just an account; it’s a digital revolution tailored to your needs.

ADCB Hayyak isn’t your average banking app; it’s a game-changer. Designed for the UAE residents aged 21 and above, ADCB Hayyak welcomes you to banking reimagined. So, buckle up for a journey where simplicity meets cutting-edge technology. ADCB Hayyak – because banking should be as easy as a tap and exciting as the future. Join us in exploring the next era of banking convenience.

What is ADCB Hayyak?

ADCB Hayyak is a revolutionary paperless account opening app by Abu Dhabi Commercial Bank, redefining banking in the UAE. It simplifies the account opening process with minimal paperwork. This digital solution offers the flexibility to choose between a Current or Savings Account in English or Arabic, with options for regular and Shari’ah-compliant solutions. ADCB Hayyak stands out with its user-centric design, making banking accessible and convenient, setting a new standard for hassle-free and secure digital banking experiences.

What are the Benefits of an ADCB Hayyak Account?

More than just a savings account, ADCB Hayyak is a strategic tool designed to amplify your financial gains. Here’s why it stands out:

Increased Savings

Consider this your financial secret sauce. The ADCB Hayyak Zero Balance Account offers some of the most competitive profit rates among all ADCB accounts in the UAE. It’s not just a place to stash your money; it’s a dynamic avenue for significant interest earnings.

No Minimum Balance Required

Say farewell to the era of stressing over maintaining a minimum balance. With ADCB Hayyak, the traditional restrictions are lifted. There are no penalties or hoops to jump through – just a straightforward approach to saving.

Online Accessibility

Picture this: your savings account is accessible at your fingertips. ADCB Hayyak Zero Balance Account breaks free from the confines of traditional banking. Manage and access your account seamlessly through ADCB Personal Internet Banking – your financial companion available whenever and wherever you need it.

Set up Multiple Accounts

Why settle for one when you can have five? ADCB allows you to open this zero-balance account up to five times. It’s not just about saving; it’s about personalization. Set up accounts for five different financial goals and watch your savings multiply.

Eligibility Criteria for ADCB Hayyak Zero Balance Account

Following are the criteria you must adhere to to open an ADCB Hayyak Zero Balance Account:

Age and Residency: You must be at least 21 years old and a resident of the UAE. The age and residency of the applicant ensure that the ADCB Hayyak Zero Balance Account is tailored for those who call the Emirates home.

Personal Touch: This account is exclusively for you. No third-party involvement is needed. It’s a unique experience customized to fit your financial aspirations.

The First Step: Kickstart the process by depositing a minimum amount, currently set at AED 1,000. Remember that this minimum deposit might do a little dance at the bank’s discretion, subject to change without prior notice.

Flexibility Alert: Stay on your toes, as the minimum deposit amount can be amended without any grand announcements. The bank keeps things flexible, ensuring you have the smoothest journey into ADCB Hayyak.

How to Open an ADCB Hayyak Zero Balance Account?

Embarking on your ADCB Hayyak journey with their straightforward online account opening process is a breeze. Here’s your step-by-step guide to unlocking the perks:

Step 1: Log In to ADCB Personal Internet Banking

Start by logging in to your ADCB Personal Internet Banking. If you’re new, don’t worry – they have got a spot for you.

Step2: Navigate to ‘Open New Account’

On the left side of your screen, spot the ‘Open New Account’ option. Give it a friendly click; it’s the gateway to your new financial chapter.

Step 3: Choose Your Account

A menu unfolds with different account options. Select ‘ADCB Hayyak Zero Balance Account’ from the list. Your journey is about to get even more exciting.

Step 4: Fill Out the Online Application

Now, it’s time for the nitty-gritty. Fill out the ADCB Hayyak Zero Balance Account online application. It’s a breeze – a few details here, a click there, and voila!

Step 5: Watch Your Account Number Magically Generate

As you complete the application, witness the magic unfold – your ADCB Hayyak Zero Balance Account number is generated like a digital wizard casting a spell.

Step 6: Application Submitted? Sit Back and Relax

Once you’ve spilled the details, hit submit. Now, sit back, relax, and let the banking wizards process your application.

Before you know it, you’ll be part of the ADCB Hayyak family, enjoying the perks of a zero-balance account without the hassle. Welcome to banking made easy!

What are the Banking Products Offered by ADCB Hayyak?

Your ADCB Hayyak Zero Balance Account opens the door to a world of banking convenience. Tailored to suit your needs, here’s a snapshot of the products at your fingertips:

ADCB Current and Savings Accounts

Choose between a Current Account with a handy chequebook or a Savings Account, all with the ease of zero balance maintenance.

Personal Loans and Credit Cards

Need extra financial muscle? Apply for a Personal Loan or a Credit Card, subject to eligibility. Flexibility is the name of the game.

Regular and Shari’ah-Compliant Solutions

Your preferences matter. ADCB Hayyak lets you decide between regular and Shari’ah-compliant solutions for a banking experience aligned with your values.

Effortless Account Opening and Online Accessibility

Enjoy the simplicity of opening and managing your account through ADCB Personal Internet Banking. Your bank is just a click away, accessible from the comfort of your space.

Innovative Digital Banking Products

ADCB doesn’t just stop at simplicity; they thrive on innovation. Explore uBank, our digital banking centre, for instant services like card replacement and cheque requests. They’ve even got an app for your Apple Watch – because why not?

Does ADCB Hayyak offer any Reward Points?

Absolutely! ADCB Hayyak simplifies your banking and treats you to exciting rewards through the ADCB TouchPoints Rewards Program. Here’s a quick peek into the perks:

Automatic Enrollment

Open an ADCB Hayyak Zero Balance Account and automatically enrol you in the ADCB TouchPoints Rewards Program. No forms, just rewards.

Earn Points for Everyday Transactions

Whether swiping your credit or debit card or paying bills online, every transaction earns you TouchPoints. It’s like getting a little bonus for your everyday financial moves.

Versatile Redemption Options

Accumulated TouchPoints can be your ticket to free flights, shopping sprees, and more. The rewards are as diverse as your choices.

Instant Gratification

No waiting around. You can redeem your TouchPoints instantly at partner outlets or for shopping vouchers and airline tickets. Your rewards, your way.

ADCB Hayyak turns your banking routine into a rewarding experience. So, bank with them, and let the rewards roll in!

How to Operate an ADCB Hayyak Zero Balance Account?

Operating your ADCB Hayyak Zero Balance Account is as simple as managing your social media profile. Here’s your quick guide to seamless banking:

Exclusive Online Access

ADCB Hayyak Zero Balance Account is designed for the digital age. Enjoy exclusive access through ADCB Internet Banking, making navigating your account from anywhere easy.

Stay Informed Through Alerts

With the alerts they keep you in the loop. Expect updates on your account through email, ADCB Mobile SMS alerts, or any channel that suits you. Your banking, your way.

Deposits Made Easy

Thanks to ADCB Internet Banking, making deposits is a breeze. Utilize account-to-account transfers or electronic means like telegraphic transfers, ensuring your funds are where you need them.

Utility Bills and More

Pay your utility bills effortlessly through ADCB Internet Banking using your credit card linked to your ADCB Hayyak Zero Balance Account. It’s banking that adapts to your needs.

Monthly E-Statements

Track your transactions seamlessly with monthly e-statements delivered directly to your email. Stay organized without the paperwork.

Experience banking that fits into your lifestyle. ADCB Hayyak Zero Balance Account puts you in control, offering a hassle-free and tech-savvy way to manage your finances.


In a nutshell, the ADCB Hayyak Zero Balance Account isn’t just a banking solution; it’s your passport to a hassle-free financial journey. Whether you’re a seasoned pro or a first-time account opener, Hayyak simplifies the process, putting you in control.

As we bid adieu, remember, with ADCB Hayyak, banking is not just about transactions; it’s about the experience. It’s about earning rewards effortlessly, enjoying the freedom of a zero minimum balance, and revelling in a streamlined digital banking adventure.

So, why settle for ordinary when your banking can be extraordinary? Join the ADCB family, open a Hayyak Zero Balance Account, and embark on a banking experience tailored to you. It’s not just banking; it’s banking reimagined. Cheers to a future of financial ease with ADCB Hayyak!

About Author

Aman Sharma

About Author

Aman is a seasoned SEO professional and have expertise in content writing with years of experience in the field. He worked on countless SEO projects, and has learned a thing or two along the way. When he's not busy achieving search engine rankings, he loves watching movies and enjoy exploring new places.