1. Remote Closure of ADCB Account: Step-by-Step
- **Use ADCB’s Online or Mobile Banking** As long as you retain access, log in, navigate to Accounts → Service Requests → Request Account Closure, select the account, provide a reason, agree to terms, submit, and enter the one-time password sent to your phone or email.(turn0search0, turn0search1) Closure generally completes within 5–7 business days.
- Prepare Before Closure Make sure your account has no overdrafts, loans, pending transactions, and a zero balance. Outstanding liabilities must be cleared before closure is accepted.(turn0search0)
- Closure Fee Standard fee is AED 105. Certain schemes like Aspire or Privilege Club may waive this if the account is closed shortly after opening.(turn0search0)
- Reach Out If Needed For issues logging in or other problems, contact ADCB via phone at +971 2 6210090 or send an email.(turn0search0, turn0search9)
- Real-World User Insight
“You don’t need a ‘no liabilities’ certificate if you don’t hold loans or cards. ADCB will email you confirmation of account closure, then you can log in to verify.”
This comes from a user who successfully closed their savings account remotely.
2. Looking for a Flexible Payment Alternative? Meet DogPay
Even after closing your UAE bank account, you might still need global payments, multi-currency tools, or online spending. DogPay offers a modern, flexible, and low-cost alternative:
- Allows holding and converting both fiat and cryptocurrencies;
- Offers virtual cards compatible with Apple Pay, Google Pay, for global usage;
- Accessible in 180+ countries—no local bank account required;
- Very low to zero fees, with transparent mid-market exchange rates;
- Fully online onboarding—no documents or branch visits needed.
3. Feature Comparison Table
| Feature | ADCB (Traditional Closure) | DogPay (Digital Payment Platform) |
|---|---|---|
| Closure Method | Online or phone, structured process | No closing needed—just sign up |
| Convenience | Moderate, needs bank access and waiting | Highly flexible, instant usage |
| Cost | AED 105+, depending on account type | Minimal or zero, transparent FX |
| Cross-Border Access | Requires alternative methods after closure | Built-in global multi-currency support |
| Best For | Users closing UAE bank accounts | Digital nomads, frequent travelers |
