The fastest ADIB balance check that doesn’t need internet is an SMS: text BAL to 2400 from your registered UAE mobile number and ADIB replies with the balance of every deposit account you hold. The ADIB Mobile Banking app shows the same figure along with your recent transactions.
SMS only works once you’re registered for ADIB SMS banking, and it doesn’t work from a foreign number. If either of those applies to you, the other four methods below don’t have that limit.
ADIB balance check quick overview
| Method | Best for | What you need |
|---|---|---|
| SMS to 2400 | No data or no smartphone | Registration for SMS banking, a UAE number |
| ADIB Mobile Banking app | Balance plus transaction history | App login |
| Internet banking | Statements and larger screens | Online banking login |
| ADIB ATM | Cash and balance in one stop | Debit card and PIN |
| Phone banking, 600 543 216 | Talking to someone, 24/7 | Your account details for verification |
Check your balance by SMS
SMS banking has two parts. The push service sends you alerts when money goes in or out. The pull service answers commands you send, and balance is one of them.
- Register for the service by texting REG to 2400.
- Text BAL to 2400. The reply lists the balance of all your deposit accounts.
- To see one account only, text BAL followed by that account number.
Both du and etisalat charge their normal SMS rate for messages to 2400, and the service only works from local numbers. If your registered number has changed, update it first by texting CHGM to 2400.
Other SMS commands worth knowing
Text Help to 2400 for the full command list. The ones most account holders use:
| Text to 2400 | What it does |
|---|---|
| IBAN | Returns your IBAN, for AED and foreign currency accounts |
| FREEZE 1234 | Freezes the debit or covered card ending 1234 |
| UNFREEZE 1234 | Unfreezes it again |
| ACTCRD | Activates a debit or covered card |
| EID | Updates your Emirates ID number |
| SLA / SLE | Switches replies to Arabic or English |
The freeze command is the one to remember. If you see a balance lower than you expect and you don’t recognise a transaction, freezing the card by SMS takes seconds and doesn’t need the app.
Check your balance in the ADIB app
The ADIB Mobile Banking app shows every account’s available balance on the home screen after you log in. Tap an account to see its recent transactions and statement. This is the better method when you’re trying to work out whether your salary has landed, because you can see the credit itself rather than just the total.
The app is on the App Store and Google Play under Abu Dhabi Islamic Bank.
Internet banking
ADIB’s internet banking shows the same balances and lets you download statements, which is useful when an embassy, landlord or visa application asks for proof of funds. Log in on the ADIB website with your online banking user ID.
At an ADIB ATM
Insert your ADIB debit card, enter your PIN and choose balance enquiry. Another bank’s ATM in the UAE also works, though that bank may charge for the enquiry. The general rules for ATM balance check in UAE apply to ADIB cards too.
By phone
Call 600 543 216 from a UAE number or +971 2 6100600 from abroad. Personal banking is open 24/7. Priority Banking customers have their own line, 800200.
When the balance looks wrong
- The SMS reply doesn’t come. Check that you sent the message from the number registered with ADIB, and that it’s a UAE number. Re-register with REG if you changed phones recently.
- The balance is lower than your last alert. Card holds from hotels, fuel stations and online shops reduce your available balance before the final charge posts. Look at the pending transactions in the app.
- A transaction you don’t recognise. Freeze the card by SMS, then call the fraud and lost card line on 02 6100116, open 24/7.
- Salary not showing. If the app shows no salary credit at all, the payment hasn’t reached ADIB. That’s a question for your employer. A salary not received case follows a set MOHRE process.
ADIB only sends SMS messages from the ADIB and AD-ADIB sender IDs. A balance warning from any other sender is not from the bank.
FAQ
How do I check my ADIB balance by SMS?
Register by texting REG to 2400, then text BAL to 2400 from your registered UAE number. The reply lists the balance of all your deposit accounts.
Can I check my ADIB balance from outside the UAE?
Not by SMS, which only works from local numbers. Use the ADIB Mobile Banking app or internet banking, or call +971 2 6100600.
Is the ADIB balance SMS free?
ADIB’s pull service carries your mobile operator’s normal SMS charge. du and etisalat both apply their fee for messages to 2400.
How do I check the balance of one specific ADIB account?
Text BAL followed by the account number to 2400. Without the account number, the reply covers all your deposit accounts.
What is the ADIB customer care number?
600 543 216 from a UAE number, or +971 2 6100600 from abroad, both available 24/7.
Set up once, check in seconds
- Text REG to 2400 today so SMS balance works when you have no data.
- Install the ADIB Mobile Banking app for transaction history.
- Save 02 6100116 in your phone for lost cards and fraud.
- Keep FREEZE plus your card’s last four digits in mind as an emergency step.
Balance guides for other UAE banks and salary cards sit on the UAE bank balance & salary check page, and ADIB’s transfer details are on the ADIB SWIFT code page.
