Are you searching for the Top 10 Best Banks in UAE to manage your finances confidently and efficiently? You’ve come to the right place. At UAE Explorer, we’ve curated a comprehensive guide to help you explore the leading banks across the UAE banking sector—from the largest corporate institutions to the most innovative digital and Islamic banks. Whether you’re an expat, a business owner, or a UAE resident looking for the best bank to open an account, this guide highlights the banks that offer reliability, flexibility, and the latest in modern banking technology.
The UAE banking industry is one of the strongest and most diversified in the Middle East. It includes a perfect mix of conventional banks and Sharia-compliant banks, catering to every type of customer. From First Abu Dhabi Bank (FAB) to Commercial Bank of Dubai (CBD), each bank brings unique advantages such as advanced online banking services, competitive savings accounts, and customer-friendly financial products. Choosing the right bank not only ensures safety for your money but also gives you access to better financial planning, investment opportunities, and seamless digital tools.
Let’s dive into our expert list of the Top 10 Best Banks in UAE, exploring their features, benefits, and operating hours—so you can confidently select the right banking partner for your needs.
1. First Abu Dhabi Bank (FAB)
First Abu Dhabi Bank (FAB) tops the list as the largest and one of the most trusted banks in UAE. It was created after the merger of First Gulf Bank and National Bank of Abu Dhabi, making it a powerhouse in retail, business, and investment banking. FAB’s strong financial foundation and customer-centric services have earned it a reputation as a top choice among residents and expatriates alike.
FAB offers everything from personal loans and savings accounts to wealth management and global trade solutions. It also provides digital banking in UAE through FAB Mobile and FAB Online, allowing customers to transfer money, pay bills, and manage investments seamlessly. For business clients, FAB provides extensive corporate and SME banking solutions designed to support growth and innovation.
Branch Timings & Operations
| Branch | Weekdays | Saturday | Sunday | Remarks |
|---|---|---|---|---|
| Abu Dhabi Main Branch | 8:00 AM – 4:00 PM | 8:00 AM – 12:00 PM | Closed | Standard hours |
| Dubai Branch | 9:00 AM – 5:00 PM | 9:00 AM – 1:00 PM | Closed | Extended hours |
2. Emirates NBD
Emirates NBD ranks among the leading banks in the UAE, renowned for its excellent digital banking platforms, financial products, and customer service. With its wide network of branches and ATMs across all emirates, Emirates NBD serves millions of customers, offering everything from personal accounts and loans to business banking and wealth management.
Emirates NBD is also recognized for its innovation in mobile banking in UAE, with an intuitive app that allows users to manage their finances from anywhere. It’s a great option for expats, offering multi-currency accounts, international remittances, and salary account options with attractive benefits. Businesses can also access trade finance, working capital, and cash management services through the bank’s extensive corporate division.
Branch Timings & Operations
| Branch | Weekdays | Saturday | Sunday | Remarks |
|---|---|---|---|---|
| Dubai Head Office | 9:00 AM – 6:00 PM | 9:00 AM – 1:00 PM | Closed | Main office |
| Abu Dhabi Branch | 8:30 AM – 4:30 PM | 8:30 AM – 12:30 PM | Closed | Regional timings |
3. Abu Dhabi Commercial Bank (ADCB)
Abu Dhabi Commercial Bank (ADCB) is another major player in the UAE banking industry, well-known for its top-notch customer service and modern digital features. ADCB provides an extensive range of financial services including personal, business, and Islamic banking in UAE. Its mobile app and online portal make it one of the most digitally advanced banks in the country.
ADCB is also highly regarded among expats, offering easy account opening, low-fee credit cards, and transparent interest rates. Their innovative platform, ADCB Hayyak, allows customers to open an account online within minutes. For businesses, ADCB offers trade finance, payroll solutions, and SME support programs designed to simplify financial operations.
Branch Timings & Operations
| Branch | Weekdays | Saturday | Sunday | Remarks |
|---|---|---|---|---|
| Abu Dhabi Branch | 8:00 AM – 4:00 PM | 8:00 AM – 12:00 PM | Closed | Typical hours |
| Dubai Branch | 9:00 AM – 5:00 PM | 9:00 AM – 1:00 PM | Closed | City branch |
4. Dubai Islamic Bank (DIB)
Dubai Islamic Bank (DIB) is the largest Islamic bank in UAE and a pioneer in Sharia-compliant banking. It offers a wide range of Islamic financial products including savings accounts, personal finance, credit cards, and corporate banking, all structured according to Islamic principles. DIB’s services are ideal for individuals and businesses looking for halal banking solutions without compromising on technology or convenience.
DIB combines tradition and technology through its efficient mobile banking app, letting users conduct transactions, pay bills, and track finances 24/7. The bank’s commitment to innovation, ethical banking, and customer satisfaction has made it a top choice for both locals and expatriates.
Branch Timings & Operations
| Branch | Weekdays | Saturday | Sunday | Remarks |
|---|---|---|---|---|
| Dubai Main Branch | 8:30 AM – 4:00 PM | 8:30 AM – 12:30 PM | Closed | Typical hours |
| Mobile/Online Banking | 24/7 | 24/7 | 24/7 | Digital access available |
5. Union National Bank (UNB)
Union National Bank (UNB), one of the most reliable banks in UAE, has built its reputation around innovation and customer satisfaction. Offering a wide range of services such as savings accounts, loans, credit cards, and Internet banking, UNB serves both individuals and corporate clients efficiently.
UNB is particularly well-suited for SMEs, offering trade finance, business loans, and SME banking in UAE with flexible repayment options. The bank focuses on maintaining strong relationships with customers and providing convenient financial solutions across all emirates.
Branch Timings & Operations
| Branch | Weekdays | Saturday | Sunday | Remarks |
|---|---|---|---|---|
| Dubai Branch | 9:00 AM – 5:00 PM | 9:00 AM – 1:00 PM | Closed | Standard timings |
| Online Banking | 24/7 | 24/7 | 24/7 | Digital availability |
6. Abu Dhabi Islamic Bank (ADIB)
Abu Dhabi Islamic Bank (ADIB) is another leading name in Islamic banking in UAE, offering Sharia-compliant financial solutions for both individuals and companies. ADIB provides various account types, personal loans, home financing, and investment options. With strong ethical banking principles and a customer-first approach, ADIB has become a trusted name in the UAE.
Its mobile banking app is among the most user-friendly in the market, offering 24/7 account access, fund transfers, and bill payments. ADIB’s focus on transparency, technology, and trust makes it a preferred choice among residents seeking halal financial products.
Branch Timings & Operations
| Branch | Weekdays | Saturday | Sunday | Remarks |
|---|---|---|---|---|
| Abu Dhabi Main Branch | 8:00 AM – 4:00 PM | 8:00 AM – 12:00 PM | Closed | Typical hours |
| Dubai Branch | 9:00 AM – 5:00 PM | 9:00 AM – 1:00 PM | Closed | Weekend limited hours |
7. National Bank of Ras Al-Khaimah (RAKBANK)
RAKBANK, officially known as the National Bank of Ras Al-Khaimah, is a customer-favorite for its strong focus on personal and business banking in UAE. The bank offers a variety of accounts, personal loans, and SME solutions. It’s particularly known for competitive interest rates and user-friendly digital services.
RAKBANK’s mobile banking platform allows easy management of funds, making it ideal for modern users who prefer digital convenience. It’s also among the most expat-friendly banks in UAE, offering quick account opening and efficient customer service.
Branch Timings & Operations
| Branch | Weekdays | Saturday | Sunday | Remarks |
|---|---|---|---|---|
| Dubai Branch | 9:00 AM – 5:00 PM | 9:00 AM – 1:00 PM | Closed | Common hours |
| Online Banking | 24/7 | 24/7 | 24/7 | Available round-the-clock |
8. National Bank of Fujairah (NBF)
National Bank of Fujairah (NBF) is among the top-rated UAE banks, known for excellent customer service and tailored business solutions. It provides retail banking, trade finance, and corporate services designed to meet the needs of both individuals and SMEs. The bank is trusted for its personalized approach and commitment to ethical, transparent banking.
NBF’s digital banking UAE platform helps customers manage their finances efficiently, offering features such as instant transfers, bill payments, and account management tools. It’s a strong contender for businesses and individuals who value trust and personal attention.
Branch Timings & Operations
| Branch | Weekdays | Saturday | Sunday | Remarks |
|---|---|---|---|---|
| Fujairah Main Branch | 8:30 AM – 4:30 PM | 8:30 AM – 12:30 PM | Closed | Standard hours |
| Online Banking | 24/7 | 24/7 | 24/7 | Always available digitally |
9. Mashreq Bank
Mashreq Bank is one of the oldest and most innovative banks in UAE, recognized for introducing digital banking solutions long before they became an industry norm. It offers comprehensive services including current accounts, loans, credit cards, and mortgages. Mashreq’s NEO and NEO BIZ platforms are particularly popular among tech-savvy customers who prefer managing finances entirely online.
Mashreq Bank is also a leader in offering multi-currency accounts and expat banking options, making it ideal for international professionals. Its focus on innovation, customer experience, and competitive rates makes it a consistent choice among the best banks in UAE.
Branch Timings & Operations
| Branch | Weekdays | Saturday | Sunday | Remarks |
|---|---|---|---|---|
| Dubai Main Branch | 9:00 AM – 5:00 PM | 9:00 AM – 1:00 PM | Closed | Business district hours |
| Online Banking | 24/7 | 24/7 | 24/7 | Digital access available |
10. Commercial Bank of Dubai (CBD)
Commercial Bank of Dubai (CBD) combines traditional banking values with cutting-edge digital solutions. It caters to both individual and corporate clients through a range of services including savings accounts, business loans, and online banking platforms. CBD’s digital-first approach has earned it several awards for excellence in customer service and technological innovation.
With an expanding network of branches and ATMs across the UAE, CBD continues to serve a wide range of customers seeking convenience and reliability. Whether you’re opening a business account in UAE or managing personal savings, CBD provides flexible and secure solutions to fit every need.
Branch Timings & Operations
| Branch | Weekdays | Saturday | Sunday | Remarks |
|---|---|---|---|---|
| Dubai Main Branch | 8:30 AM – 4:30 PM | 8:30 AM – 12:30 PM | Closed | Typical schedule |
| Digital Banking | 24/7 | 24/7 | 24/7 | Fully available |
Additional Tips for Choosing the Best Bank in UAE
When deciding which bank suits you best, consider these important factors:
- Digital banking capabilities: Ensure the mobile app and online banking system are user-friendly and reliable.
- Minimum balance requirements: Some banks require a minimum monthly balance; check this to avoid fees.
- Islamic vs conventional banking: Decide whether you prefer Sharia-compliant or traditional banking services.
- Customer service quality: Choose banks with good reviews and responsive customer support.
- Expat-friendly policies: For expatriates, look for easy account opening, remittance services, and multi-currency options.
- Branch network: If you prefer in-person visits, check branch locations across Dubai, Abu Dhabi, and other emirates.
FAQs About Banking in UAE
1. Which is the best bank in UAE right now?
The best bank in UAE depends on your needs—FAB is great for large-scale banking, Emirates NBD for digital services, and ADIB or DIB for Islamic banking options.
2. What are the largest banks in UAE by assets?
The top three by assets are First Abu Dhabi Bank, Emirates NBD, and Abu Dhabi Commercial Bank.
3. Can expatriates open a bank account in UAE?
Yes. Most UAE banks for expats allow easy account opening with a valid residence visa, Emirates ID, and salary certificate.
4. Which bank offers the best mobile app?
Mashreq NEO, ADCB Hayyak, and Emirates NBD SmartBanking are among the most advanced mobile banking apps in UAE.
5. Which is the safest bank in UAE?
Banks like FAB, ADCB, and Emirates NBD are considered among the safest due to their size, regulation, and financial stability.
6. What is the best Islamic bank in UAE?
Dubai Islamic Bank and Abu Dhabi Islamic Bank lead the list for Sharia-compliant financial services.
7. How many banks operate in the UAE?
There are over 50 local and international banks operating in the UAE banking sector, including specialized and investment banks.
8. Which bank is best for business accounts in UAE?
RAKBANK, CBD, and NBF are highly rated for SME and corporate banking solutions.
9. Can I open a UAE bank account online?
Yes. Banks like ADCB, Mashreq, and FAB allow online account opening via their mobile apps.
10. Are UAE banks good for digital banking?
Absolutely. The UAE has one of the most advanced digital banking ecosystems in the world, supported by AI-driven apps, contactless payments, and instant transfers.
Conclusion
The Top 10 Best Banks in UAE combine strength, innovation, and customer-centric services to create one of the world’s most advanced financial landscapes. Whether you need Islamic banking, digital banking, expat-friendly services, or corporate banking solutions, the UAE offers banks that cater to every need.
Choosing the right bank ensures secure money management, convenient access to funds, and seamless international transactions. With insights from UAE Explorer, you can now make a confident, informed decision on which bank aligns best with your financial lifestyle.
From First Abu Dhabi Bank’s global scale to Mashreq’s digital excellence, every bank listed here adds value to the UAE’s thriving financial ecosystem—making it one of the best places in the world to bank, invest, and grow.