Charges & Fees
Understand the cost of each balance check method and common card transactions so you never pay more than you need to.
ℹ Important disclaimer: The charges below are indicative only and based on publicly available information.
Bank fees can change without notice. Always verify the latest fee schedule directly with First Abu Dhabi Bank (FAB)
via bankfab.com
or by calling 600 52 5500.
Balance Inquiry Fees
| Method | Indicative Fee | Notes |
|---|---|---|
| FAB ATM Inquiry (UAE) | FREE | Most common method. Works 24/7 at any FAB ATM. |
| Non-FAB ATM Inquiry (UAE) | ~AED 1 – AED 2 | Small interbank fee charged by the ATM owner. |
| SMS to 2121 ("BAL") | Operator SMS rate | Standard SMS charge from Etisalat (e&) or Du. Usually very small. |
| FAB Mobile App / Online Banking | FREE | Mobile data charges from your network may apply. |
| International ATM Inquiry | Varies by country | International transaction fees apply. Check with FAB before travelling. |
Cash Withdrawal Fees
| Transaction Type | Indicative Fee | Notes |
|---|---|---|
| FAB ATM Withdrawal (UAE) | FREE | Free withdrawals at all FAB ATMs within the UAE. |
| Non-FAB ATM Withdrawal (UAE) | ~AED 2 – AED 3 | Interbank fee charged per transaction. |
| International ATM Withdrawal | ~2–3% of amount | Foreign currency conversion charges also apply. |
| Point-of-Sale (POS) Purchase | FREE | In-store purchases at shops, supermarkets, etc. |
✓ Always Free
- FAB ATM balance inquiry
- FAB ATM cash withdrawal
- FAB Mobile App balance check
- In-store (POS) card purchases
⚠ Small Fees Apply
- SMS to 2121 (operator rate)
- Non-FAB ATM inquiry
- Non-FAB ATM withdrawal
🚧 Higher Fees
- International ATM inquiry
- International ATM withdrawal
- Currency conversion charges
💡 Smart Tips to Avoid Unnecessary Fees
- → Always use a FAB ATM for free balance checks and withdrawals.
- → Use the FAB Mobile App to check balance for free anytime you have internet access.
- → The SMS method (BAL to 2121) is the best option when away from an ATM and without internet.
- → Before travelling internationally, call FAB at 600 52 5500 to understand the applicable fees.
Ready to check your balance or learn step-by-step how it works?