Strengths
- Part of the ADCB group, providing strong financial backing and operational infrastructure
- Digital Islamic bank for individuals within the ADCB group
- Islamic business banking is available in the same group through ADCB Islamic Banking
UAE Business Banking
Al Hilal Bank for Businesses in the UAE
Al Hilal Bank, part of the ADCB group, is now a digital Islamic bank for individuals only: it publishes no business account and its terms forbid using personal accounts for business, so companies look at ADCB Islamic or other banks.
Local Islamic
Moderate onboarding
Hybrid
Emirae is not the bank. Information here is editorial and should be checked with official bank sources before you apply.
Al Hilal Bank review
Verdict
Typical issues
- Limited independent branch presence outside Abu Dhabi
- No business account: products and terms are for individuals only
- Integration with ADCB has created some confusion about brand identity and service channels
May be less suitable: Companies, sole establishments and freelancers: Al Hilal Bank publishes no business account, and its terms forbid using personal accounts for business.
About this bank
About Al Hilal Bank
Al Hilal Bank is an Abu Dhabi Islamic bank that has been part of the ADCB group since 2019 and relaunched as a fully digital bank in February 2022. What it publishes today is for individuals: personal accounts, cards, finance and wealth products. Its website, fee schedule and terms contain no business, SME or corporate account.
If you are looking for an Islamic business account, this profile explains what Al Hilal does and does not offer and points to banks that publish business terms, including ADCB Islamic Banking in the same group.
Regulation
Is Al Hilal Bank safe?
A reference card from the bank profile. A row is printed only when its field is filled.
Regulator
Sanadak / Central Bank of the UAE
Headquarters
Abu Dhabi, UAE
License number
01.01.02.045.2007.01
License type
National Bank, Islamic Retail
Business banking fit
How this bank fits a business
Can a company open an account at Al Hilal Bank?
Not on anything the bank publishes today. Al Hilal Bank describes itself as an Islamic bank offering retail banking, treasury and wealth management, and it relaunched as a fully digital bank on 2 February 2022. Its website has personal and private banking sections only, its schedule of fees (version 3.8, September 2026) has no business, SME or corporate section, and its general terms define the account holder as a natural person. The current account key facts statement says the bank prohibits using a personal account for any business-related activity.
Where business customers go instead
Inside the ADCB group, Islamic business banking is offered as ADCB Islamic Banking on adcb.com; see our ADCB profile for its business accounts. The bank has not published when it stopped business banking or whether former business customers were moved to ADCB. Other Islamic options with published business fees include ADIB, Dubai Islamic Bank, Emirates Islamic and Ajman Bank.
About the bank
Al Hilal Bank PJSC is licensed by the Central Bank of the UAE and based in Abu Dhabi. ADCB states that after its merger with Union National Bank on 1 May 2019 the combined bank acquired Al Hilal Bank, with integration completed in April 2020. Its chairman is ADCB's chief executive, and Jamal Al Awadhi has been its chief executive since January 2025. Contact: 600 522 229.
Sources, checked 3 October 2026: Al Hilal Bank about us; Al Hilal Bank schedule of fees; Current account key facts statement; ADCB Islamic business banking; ADCB about us.
Suitability
Who this bank may suit
A quick read on where this bank is usually a stronger fit - and where another bank may serve you better. This is editorial guidance, not eligibility.
Good fit for
Individuals who want a digital Islamic bank in the ADCB group. Companies, sole establishments and freelancers need a bank with published business accounts, such as ADCB Islamic Banking, ADIB, Dubai Islamic Bank, Emirates Islamic or Ajman Bank.
May not suit
Companies, sole establishments and freelancers: Al Hilal Bank publishes no business account, and its terms forbid using personal accounts for business. Look at ADCB Islamic Banking or other Islamic banks with published business terms.
Strengths & friction
Strengths and friction points
Practical onboarding considerations - not bank criticism. Outcomes depend on the bank's own review.
Strengths
- Part of the ADCB group, providing strong financial backing and operational infrastructure
- Digital Islamic bank for individuals within the ADCB group
- Islamic business banking is available in the same group through ADCB Islamic Banking
- Regulated Islamic bank with established Sharia governance framework
- Group synergies allow potential cross-referrals and integrated banking relationships
Common friction points
- Limited independent branch presence outside Abu Dhabi
- No business account: products and terms are for individuals only
- Integration with ADCB has created some confusion about brand identity and service channels
- May feel like a secondary priority within the larger ADCB group
- Personal accounts may not be used for business activity under the bank's own terms
Corporate banking outcomes depend on the bank's internal review, documents, ownership, activity and transaction profile.
Account types
What kind of account do you need with Al Hilal Bank
| Account type | Who it suits | |
|---|---|---|
| Corporate bank account for a UAE company | Mainland and free zone companies that need a business account in their own name | View service |
| Personal bank account for a resident or investor | Residents, investors and shareholders opening an account in their own name | View service |
| Fintech and digital business account (EMI) | Companies that need a fast digital account instead of a traditional bank | View service |
| KYC and bank document preparation | Applicants asked for extra documents, source of funds or business proof | View service |
| Reapplication after a bank account rejection | Companies already refused by a bank and reapplying | View service |
How it works
Al Hilal Bank account opening
From request to activation - what happens and how long it takes.
Hybrid
Al Hilal Bank publishes no business account opening process; it serves individuals only.
1
Send your request
account type, emirate, company and activity
2
Eligibility check
a consultant confirms what Al Hilal Bank asks for in your case
3
Documents
trade licence, shareholder papers, proof of business activity
4
Application
submitted to the bank, with a meeting or online onboarding
5
Compliance review and activation
the bank reviews, then the account and online banking open
Timelines depend on the bank's review
Open an Account with Al Hilal Bank
Preparation
What to prepare before approaching this bank
A practical checklist. Complete documents do not guarantee approval - the bank makes the decision.
Missing something from this list? A consultant can prepare the file with you - use the request button.
Preparation quality matters
Al Hilal Bank publishes no business account documentation; its account terms cover individuals only.
Al Hilal Bank is regulated by the Central Bank of the UAE. All products are overseen by a Sharia Supervisory Board in accordance with Islamic banking regulations. KYC and AML procedures follow group-wide ADCB standards, which are generally thorough. Businesses in sectors with unclear Sharia compliance status should verify eligibility before applying.
Complaints & escalation
Official complaint path
If you have an issue with the bank, use the official channels below. A review on Emirae is not a formal complaint.
Regulated by Sanadak / Central Bank of the UAE
How to raise an issue
- First use the bank's own complaint and support channels and follow its published process.
- If the issue is not resolved and the case is eligible, external escalation may be reviewed through the relevant consumer protection route.
- Keep records of your correspondence and reference numbers throughout.
Begin with the branch or relationship manager handling your account. If unresolved, escalate through Al Hilal Bank's formal complaints process via their contact centre or website. Given the ADCB group structure, you may also reference the group's customer care channels. If the bank does not resolve the issue satisfactorily, file a complaint with Sanadak.
A review on this page is not a formal complaint. For official escalation, use the links provided.
Reviews
Reviews
Moderated user experiences with this bank. Reviews are verified by email and checked before publication.
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Moderated before publication
Reviews are verified by email and reviewed before they appear publicly.
Reviews are not formal complaints. For official complaint routes, use the bank's complaint channel or the relevant escalation path.
FAQ
Frequently asked questions
Common questions about this bank. Answers are editorial and do not confirm eligibility, approval or account terms.
Still weighing your options?
Verified consultants can review your case and help you prepare a banking application.
Get bank account supportDoes Al Hilal Bank offer business accounts?
No business account is published. Its website, fee schedule and terms cover individuals only.
Can I use an Al Hilal personal account for my business?
No. The current account key facts statement says the bank prohibits personal account usage for any business-related activity.
Who owns Al Hilal Bank?
It is part of the ADCB group: ADCB states that the combined bank formed with Union National Bank acquired Al Hilal Bank in 2019.
Where can I get an Islamic business account in the ADCB group?
ADCB offers Islamic business banking as ADCB Islamic Banking on adcb.com.
Is Al Hilal Bank a digital bank?
Yes. It relaunched as a fully digital bank on 2 February 2022.
Is Al Hilal Bank Islamic?
Yes. It describes itself as an Islamic bank offering Sharia compliant retail banking, treasury and wealth management.
Where is Al Hilal Bank based?
In Abu Dhabi. Al Hilal Bank PJSC is licensed by the Central Bank of the UAE.
How do I contact Al Hilal Bank?
Through its contact centre on 600 522 229 or contactus@alhilalbank.ae.
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