When it comes to banking in the UAE, First Abu Dhabi Bank (FAB) consistently stands out as a trusted institution that blends international standards with local expertise. Among its wide range of savings solutions, the FAB Personal Call Account remains a popular choice for individuals who want the flexibility of unrestricted deposits and withdrawals while still earning interest on their balances.

This isn’t just another savings account — it’s a practical, multi-currency financial tool designed to support both UAE residents and global clients who maintain ties with the Emirates. Whether you’re a salaried employee, a self-employed professional, or a frequent traveler dealing with multiple currencies, the FAB Personal Call Account brings convenience, transparency, and accessibility.

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What Makes the FAB Personal Call Account Unique?

Unlike traditional savings accounts that impose restrictions on transactions, the FAB Personal Call Account offers more freedom. It gives customers the chance to earn modest interest on their balances while enjoying banking flexibility without being tied down by debit cards or spending temptations.

Key highlights include:

Anywhere Banking – Access your account easily through FAB Mobile or Online Banking, ensuring you can manage your finances wherever you are, from Dubai International Airport to a café in Abu Dhabi Corniche.
Multi-Currency Options – Open your account in AED, USD, AUD, CAD, EUR, or GBP. This is particularly beneficial for expatriates, international business owners, or frequent travelers.
Minimum Balance Requirement – Maintain an average balance of AED 3,000 (or equivalent in other currencies). Falling below this threshold incurs a small fee of AED 26.25 per month.
Saving Without Overspending – Since this account does not come with a debit card, it encourages disciplined savings while still giving you unrestricted withdrawal rights through bank branches and digital channels.

Recommended: FAB Balance Check

Interest Rates: What You Need to Know

The FAB Personal Call Account offers two sets of interest calculations — on credit balances and on debit (overdraft) balances.

Interest on Credit Balances

Customers earn monthly interest on the maintained balance. Here’s the flat annual rate schedule:

Currency	Annual Rate
AED	0.02%
USD	0.005%
AUD	0.015%
CAD	0.015%
EUR	0.000%
GBP	0.015%

Formula: Daily Balance × Interest Rate × (Number of Days ÷ 360)

Interest on Debit Balances (Overdrafts)

Flat annual charge: 19%
Minimum fee: AED 175 per month
Formula: Daily Balance × 19% × (Number of Days ÷ 360)
Note: Overdraft interest applies only to AED accounts, not foreign currency ones.

Fees & Charges Breakdown

FAB is known for transparent fee structures. Here are some important costs to keep in mind:

Account Opening Fee: None
Account Closure Fee: AED 105
No Liability Certificate: AED 63
Cheque Book (after first free): AED 21–26.25
Teller Transactions: First 6 free, then AED 10 + VAT per transaction
Utility Payments (Online & ATM): Free
Telegraphic Transfers: From AED 5.25 (AED transfers) to AED 105 (foreign transfers)

For a detailed, up-to-date fee schedule, you can always check FAB’s official website or visit your nearest branch in Dubai or Abu Dhabi.

Eligibility for the FAB Personal Call Account

One of the account’s strengths is its broad eligibility criteria:

Nationality: Open to both UAE residents and non-residents.
Employment Type: Salaried employees, self-employed individuals, and non-salaried applicants are all eligible.

Required Documents

Opening a FAB Personal Call Account is quick if you have the right paperwork. Typically, you’ll need:

Completed account application form
Valid passport copy, resident visa, and Emirates ID
Proof of income (salary certificate for employees, trade license for business owners)

Depending on your profile, FAB may request additional documents.

How to Open a FAB Personal Call Account

FAB provides several convenient application channels:

FAB Website – Fill out the digital application form, and a bank representative will contact you within 24 hours.
Mobile & Online Banking – Existing FAB customers can initiate account requests seamlessly through digital channels.
In-Branch Application – Visit any FAB branch across the UAE, such as Sheikh Zayed Road (Dubai) or Hamdan Street (Abu Dhabi).

Why Choose the FAB Personal Call Account in the UAE?

Flexible banking with no restrictions on deposits or withdrawals
Availability in multiple major currencies
Access to secure online banking and mobile apps
Transparent fees and clear eligibility requirements
Backed by First Abu Dhabi Bank, one of the strongest financial institutions in the Middle East

For expatriates who frequently remit money abroad or professionals who want an interest-bearing account without rigid rules, this product strikes a balance between savings and liquidity.

FAQs on FAB Personal Call Account, UAE

1. What is the minimum balance requirement?
You need to maintain an average monthly balance of AED 3,000 (or equivalent in another currency).

2. Does the FAB Personal Call Account include a debit card?
No. This account intentionally excludes a debit card to encourage savings discipline.

3. Can non-residents apply?
Yes, both UAE residents and non-residents are eligible.

4. What interest rate will I earn?
It depends on your account currency. For example, AED balances earn 0.02% annually, while EUR accounts do not accrue interest.

5. How much is charged for a no-liability certificate?
AED 63.

6. Does FAB charge a relationship fee for this account?
No, there are no relationship fees.

7. What are the locker fees if I want a safe deposit box?
Locker rentals range from AED 787.5 (small) to AED 2,100 (extra-large) annually, with a refundable AED 3,000 security deposit.

8. Can I apply online?
Yes. You can apply via FAB’s website or mobile app without visiting a branch.

Final Thoughts

The FAB Personal Call Account is not designed to maximize interest earnings but rather to provide a secure, flexible, and multi-currency banking solution for those living in or connected to the UAE. It’s especially appealing for expatriates, frequent travelers, and individuals who value liquidity and global access.

At TheDubaiWeb.com, we recommend this account for anyone seeking stability, transparency, and ease of banking with one of the UAE’s most respected financial institutions.

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Safna

Safna is a full-time writer at TheDubaiWeb.com, where she covers the latest finance news and trending topics across the UAE. With over 10 years of experience living in the UAE, she brings local insight and a deep understanding of the region to her reporting.