Basic Information
Name and Background
Al Hilal Bank was established in 2008 and is headquartered in Al Bahr Towers, Abu Dhabi. The bank is a wholly owned subsidiary of Abu Dhabi Commercial Bank (ADCB) and is a state-controlled bank. Since its merger into the ADCB Group in 2019, Al Hilal Bank has focused on Islamic financial services and provides Shariah-compliant banking products.
Scope
of ServicesAl Hilal Bank operates primarily within the UAE with more than 425 ATMs, covering both the ADCB and Al Hilal brands. Its digital banking services allow users to open accounts and manage their finances online, making it suitable for customers who prefer remote banking services.
Regulation &
ComplianceThe Bank is regulated by the Central Bank of the UAE and adheres to Basel III capital and liquidity requirements. Al Hilal Bank has obtained ISO 27001 information security certification and participates in the UAE's deposit insurance program to ensure the safety of client funds.
As
of December 2023, Al Hilal Bank's Capital Adequacy Ratio (CAR) and Core Tier 1 Capital Adequacy Ratio (CET1) were 16.09%, both of which were above the minimum requirements set by the Central Bank of the UAE. The Liquidity Coverage Ratio (LCR) reached 139.8%, demonstrating good liquidity management capabilities.
Deposits &
LoansDepositsAl
Hilal Bank offers a variety of Shariah-compliant deposit products, including:
savings account: with an estimated annual profit margin of up to 5%, Applicable to customers with deposits of AED 25,000 and above.
Regular Investment Account (Wakala Deposit): Offers a profit margin of up to 5.25% with flexible tenors, suitable for customers who are looking for stable income.
LoansThe Bank's loan products adopt an Islamic financial structure, which mainly includes:
personal loans: the profit margin for UAE nationals starts at 3%, and the profit margin for foreign residents starts from 4.65% depending on the income level.
Auto Finance: Profit margins start at 2.25% and loan terms can be up to 5 years, with no payroll transfers.
Home Finance: Profit margin of 3.5%, loan amounts ranging from AED 7,000 to AED 15,000,000 and loan terms of up to 25 years.
List of common feesAl
Hilal Bank's fee structure is relatively transparent, mainly including:
account management fee: a monthly fee may be charged if the current account balance is less than AED 2,000.
Transfer fees: Local and international transfers are usually free, but additional fees may apply for certain services, such as the "own" option.
ATM withdrawal fees: Withdrawals at ATMs at ADCB and Al Hilal are free of charge, and ATMs at other banks may charge fees.
Other fees: AED 31.50 for the issuance of a manager's cheque and AED 52.50 for cheque cancellation fee.
The mobile
app of Al Hilal Bank has a rating of 4.0 (over 20,000 reviews) on the Google Play Store and 4.45 (about 690 reviews) on the App Store. App features include:
instant account opening and digital debit card issuance
, bill payment and fund transfers
, family member account management
, financial education games
Technological InnovationThe
bank is constantly innovating in digitalization, providing a user-friendly interface and features that meet the needs of modern customers.
Customer Service Quality
Service ChannelsAl
Hilal Bank offers a variety of customer service channels, including:
24/7 customer service hotline:
Within the UAE: 600 52 229
Outside the UAE: +971 600 522 229
Live chat and social media support
Complaint HandlingThe
bank is committed to resolving customer complaints within 48 working hours, complex issues may take longer and will keep customers informed of the progress of the processing.
Safety and Security MeasuresFunds
Al
Hilal Bank participates in the UAE's deposit insurance program and customer deposits are protected. In addition, banks implement advanced fraud prevention technologies, such as real-time transaction monitoring, to ensure the safety of funds.
Data SecurityThe
bank has obtained ISO 27001 information security certification, indicating that it meets international standards in terms of data protection. However, in February 2025, there was a data breach at Al Hilal SFC, a potentially bank-related entity, involving financial records and personal information. Banks have taken steps to strengthen data security and prevent similar incidents from happening again.
Featured Services & Differentiated
Market
SegmentsAl Hilal Bank offers a variety of featured services to meet the needs of different customer groups, including:
student account: fee-free and suitable for school students.
Exclusive financial management for the elderly: Provide customized financial management solutions to meet the needs of elderly customers.
Green financial products (ESG investment): support sustainable development and provide investment products that meet environmental, social and governance standards.
High Net Worth ServicesThe
bank's "Tharwa Priority Banking" service provides high-net-worth clients with customized wealth management solutions, including a dedicated relationship manager and personalised investment advice.
