If you have an account with Abu Dhabi Commercial Bank (ADCB), you can check your account balance in several simple ways. Whether you prefer using your phone, online banking, SMS, phone banking, or an ATM, ADCB provides different options for everyday balance enquiries.
This guide explains how to check your ADCB balance, how to use ADCB SMS Banking, what the ADCB SWIFT code is, and how to find ADCB ATM and branch locations in the UAE.
Quick answer: You can check your ADCB balance through the ADCB Mobile Banking App, ADCB Personal Internet Banking, SMS Banking, Phone Banking, or an ADCB ATM. For SMS balance enquiry, send BAL followed by the last six digits of your account number to 2626 from your registered mobile number.
What Is ADCB?
ADCB stands for Abu Dhabi Commercial Bank. It is one of the major banks in the United Arab Emirates and offers personal banking, credit cards, business banking, digital banking, ATMs, and branch services.
If you are an ADCB customer, checking your balance is one of the most common banking tasks. You may need it before withdrawing cash, making a transfer, paying bills, or confirming that your salary has been credited.
ADCB Balance Check Methods
ADCB customers can check their balance using different official banking channels. The most common methods are:
- ADCB Mobile Banking App
- ADCB Personal Internet Banking
- ADCB SMS Banking
- ADCB Phone Banking
- ADCB ATM balance enquiry
How to Check ADCB Balance Through the Mobile App
The ADCB Mobile Banking App is one of the easiest ways to check your account balance. It is suitable for customers who want quick access to their accounts, debit cards, credit cards, and recent transactions. The app is available for iPhone, Android, and Huawei mobile handsets.
Steps to check ADCB balance in the mobile app
- Open the ADCB Mobile Banking App on your smartphone.
- Log in using your approved login method (fingerprint authentication and facial recognition are supported on compatible devices).
- Go to the account dashboard or accounts section.
- Select the account you want to check.
- View your available balance and recent transactions. The app also offers a “Balance Preview” feature for quick access.
The exact menu names may change depending on app updates, but your account balance is usually shown on the main account dashboard or under account details.
How to activate the ADCB Mobile App
- Using your ADCB Credit or Debit Card: Enter your ADCB Credit or Debit Card Number and PIN to generate the Activation Key, then activate the app by entering the unique Activation Key sent via SMS to your registered mobile number.
- Using ADCB Personal Internet Banking: Log in, click “Mobile Banking” under Other Services, add your device, and use the Activation Key sent via SMS.
- Through the Contact Centre: Call ADCB Contact Centre for assistance.
How to Check ADCB Balance Through Internet Banking
ADCB Personal Internet Banking is useful if you prefer checking your balance from a desktop, laptop, tablet, or mobile browser.
Steps to check ADCB balance online
- Visit the official ADCB Personal Internet Banking page.
- Log in using your ADCB online banking credentials.
- Open the accounts section.
- Select the ADCB account you want to view.
- Check your available balance and transaction details.
Internet banking is also useful when you need to review more detailed account information, manage transfers, pay bills, or access other ADCB services.
How to Check ADCB Balance by SMS
ADCB SMS Banking is a convenient option if you do not have internet access. You can send a simple SMS from your registered mobile number to request your account balance. This service is available 24/7.
ADCB balance check SMS format
To check your ADCB account balance by SMS, send the following message to 2626:
BAL <last 6 digits of account number>
Example:
BAL 030001
Steps to check ADCB balance by SMS
- Open the SMS app on your phone.
- Type BAL.
- Add a space.
- Enter the last six digits of your ADCB account number.
- Send the SMS to 2626.
- Wait for the SMS reply from ADCB with your balance information.
Make sure you send the SMS from the mobile number registered with ADCB. If your mobile number is not updated with the bank, the SMS balance check may not work.
How to register for ADCB SMS Banking
ADCB customers can register for Mobile/SMS Banking by sending REG followed by the full ADCB current account number, savings account number, or ADCB credit card number to 2626. For example, send “REG 126786034401” to 2626 if your account number is 126786034401. Registration may also be available through ADCB Personal Internet Banking.
How to Check ADCB Credit Card Balance by SMS
If you want to check your ADCB credit card balance by SMS, ADCB lists a separate SMS keyword for credit card balance enquiry.
Send the following SMS to 2626:
CBAL <last 6 digits of card number>
Example:
CBAL 123456
How to Check ADCB Balance by Phone Banking
ADCB Phone Banking is another option for balance enquiries, especially if you prefer using a phone call or need support from the bank’s contact centre. The ADCB Contact Centre is open 24 hours a day, seven days a week.
ADCB phone banking numbers
| Customer Segment | Phone Banking Number |
|---|---|
| Islamic Banking | 600 56 2626 |
| Private | 600 50 2322 |
| Excellency | 600 50 2004 |
| Privilege Club | 600 50 8008 |
| Aspire | 600 50 2030 |
Steps to check balance through phone banking
- Call the ADCB phone banking number for your customer segment.
- Follow the automated voice instructions (IVR – Interactive Voice Response).
- Choose the balance enquiry option when available.
- Authenticate yourself using the required details.
- Listen to your account balance or speak to a representative if needed.
How to Check ADCB Balance at an ATM
You can also check your ADCB account balance at an ADCB ATM. This is helpful if you are already withdrawing cash or visiting an ATM for another transaction.
Steps to check ADCB balance at an ATM
- Visit an ADCB ATM.
- Insert or tap your ADCB debit card if supported.
- Enter your PIN securely.
- Select the balance enquiry option.
- Choose whether to view the balance on screen or print a receipt, if available.
- End the session and take your card before leaving.
Always cover the keypad while entering your PIN and avoid using an ATM if the machine looks damaged, suspicious, or has unusual attachments.
ADCB SWIFT Code
If you are receiving an international transfer into your ADCB account, the sender may ask for ADCB’s SWIFT or BIC code.
The ADCB SWIFT code is:
ADCBAEAA
Some international transfer forms may display an 11-character version of the code as ADCBAEAAXXX or ADCBAEAAFIN for specific branches. Before sending or receiving money, always confirm the correct SWIFT code, IBAN, account number, and beneficiary name with ADCB or the person receiving the transfer.
What does ADCB SWIFT code mean?
| Part | Meaning |
|---|---|
| ADCB | Bank code for Abu Dhabi Commercial Bank |
| AE | Country code for the United Arab Emirates |
| AA | Location or bank identifier in the SWIFT/BIC format |
| FIN | Optional branch code (for specific branches) |
How to Find ADCB ATM and Branch Locations
The safest way to find an ADCB ATM or branch near you is to use the official ADCB branch and ATM locator. This helps you search for nearby ATMs, branches, uBank centres, Excellency centres, and Cash/Cheque Deposit Machines.
Steps to find ADCB ATM locations
- Open the official ADCB Branches and ATMs page.
- Use the branch and ATM locator.
- Search by your city or location in the UAE.
- Filter the results by ATM, branch, uBank, Excellency centre, or Cash/Cheque Deposit Machine.
- Check the location, available services, and timing before visiting.
ADCB states that it has a wide ATM network across the UAE, including Cash and Cheque Deposit Machines. However, ATM services and availability can vary by location, so it is better to check the official locator before visiting.
Can You Check ADCB Balance Through WhatsApp?
ADCB has announced that its WhatsApp Banking services are no longer available effective 28 April 2026. If you want to check your ADCB balance, use ADCB Mobile Banking, Internet Banking, SMS Banking, Phone Banking, or an ADCB ATM instead.
Why Is My ADCB Balance Check Not Working?
If your ADCB balance check is not working, the issue may be related to your mobile number, SMS format, internet banking login, app access, or temporary service availability.
Common reasons and fixes
| Issue | Possible reason | What to do |
|---|---|---|
| SMS balance check not working | Wrong SMS format or unregistered mobile number | Use the correct format and send it from your registered mobile number. |
| Mobile app not showing balance | App issue, login problem, or temporary service error | Update the app, check your login details, or try again later. |
| Internet banking login failed | Wrong credentials or authentication issue | Use ADCB’s official recovery process or contact the bank. |
| ATM balance enquiry unavailable | ATM service issue or card problem | Try another ADCB ATM or contact ADCB support. |
| International transfer rejected | Incorrect SWIFT, IBAN, or beneficiary details | Confirm all transfer details before resubmitting. |
Safety Tips for ADCB Balance Check
Banking information is sensitive, so always use secure and official channels when checking your ADCB balance.
- Never share your OTP, PIN, TPIN, CVV, online banking password, or SecurePass details with anyone.
- Use only the official ADCB website, app, SMS short code, and phone banking numbers.
- Do not click suspicious links received through SMS, email, WhatsApp, or social media.
- Always check that you are on the official ADCB website before entering login details.
- Cover the keypad when entering your PIN at an ATM.
- If your mobile number changes, update it with ADCB to keep SMS Banking and alerts active.
- For international transfers, confirm the SWIFT code and IBAN before sending money.
FAQs About ADCB Balance Check
How can I check my ADCB account balance?
You can check your ADCB account balance through the ADCB Mobile Banking App, ADCB Personal Internet Banking, SMS Banking, Phone Banking, or an ADCB ATM.
What is the ADCB balance check SMS format?
Send BAL <last 6 digits of account number> to 2626. For example, BAL 030001.
Can I check ADCB balance without internet?
Yes. You can check your ADCB balance without internet by using SMS Banking, Phone Banking, or an ADCB ATM.
What is the ADCB SWIFT code?
The ADCB SWIFT code is ADCBAEAA. Some transfer systems may show it as ADCBAEAAXXX or ADCBAEAAFIN for specific branches. Always confirm transfer details before sending money.
How do I find an ADCB ATM near me?
Use the official ADCB Branches and ATMs locator to search for ADCB ATMs, branches, uBank centres, Excellency centres, and Cash/Cheque Deposit Machines near your location.
Is ADCB WhatsApp Banking still available?
No. ADCB states that WhatsApp Banking services are no longer available effective 28 April 2026.
What should I do if ADCB SMS Banking does not work?
Make sure you used the correct SMS format, sent the message to 2626, and used your registered mobile number. If the issue continues, contact ADCB through official support channels.
Final Words
Checking your ADCB balance is simple when you know the right method. The mobile app and internet banking are best for regular online access, SMS Banking is useful without internet, phone banking is helpful when you need support, and ATMs are convenient for balance enquiries while withdrawing cash.
For international transfers, use the ADCB SWIFT code carefully and always confirm the beneficiary details before sending money. For ATM and branch visits, use the official ADCB locator to find the nearest available service point.