The FAB (First Abu Dhabi Bank) Zero Balance Account is among the most popular account options for UAE employees, especially those working on low or moderate salaries. This type of account is ideal as it requires no minimum balance, which helps employees avoid extra charges that other accounts may impose. Here’s everything you need to know about the FAB Zero Balance Account and how to open one online. You May Also Like to Read About the Emirates id Status check and Fab ATM Balance Check With Just Few Seconds

Why Open a FAB Zero Balance Account in the UAE?

Most banks in the UAE offer accounts with minimum balance requirements, and failing to meet these requirements often leads to fines. This can be problematic for employees with limited income, as they may not have extra funds to meet these thresholds every month. Many expatriates in the UAE need to transfer their salaries home and cannot afford these extra charges.

The FAB Zero Balance Account offers a solution:

• No Minimum Balance Requirement: Ideal for employees in private and public sectors.
• Widely Available ATMs and Branches: FAB Bank has a vast network across the UAE, making it convenient to access your funds.
• Online Payment and Transfers: With the FAB mobile app, account holders can transfer money to any UAE bank account, top-up mobile plans, and make payments instantly.

How to Open a FAB Zero Balance Account Online

Opening a FAB Zero Balance Account is simple and can be done entirely online by following these steps.

Step 1: Download the FAB Mobile App

1. Connect to the Internet.
2. Open Google Play Store or App Store on your smartphone and search for the First Abu Dhabi Bank mobile app.
3. Download and install the app.

Step 2: Start the Account Opening Process

1. Open the FAB Mobile App on your device.
2. Click on the ‘Join’ button on the first page.
3. Select ‘I want to open an account’.
   (Image 1: Screenshot of FAB app with ‘Join’ button)

Step 3: Enter Your Contact Details

1. Enter your mobile number and email address.
2. Click ‘Continue’ and enter the OTP (One-Time Password) sent to your phone. (Image 1: Screenshot of contact details input page)

Step 4: Choose Your Account Type

1. Select ‘Personal Current Account’ as the account type.
2. Confirm that you are applying online, as in-branch applications may have different requirements. (Image 2: Screenshot of account type selection page)

Step 5: Provide Your Personal and Employment Details

1. Enter details such as your employment status, salary, and preferred branch location.
2. If referred by an existing FAB employee, fill in their details; otherwise, continue without a referral.
3. Click ‘Continue’ to proceed. (Image 2: Screenshot showing employment and salary details)

Step 6: Upload Your Emirates ID

1. Scan both sides of your Emirates ID. Ensure it is undamaged and not expired.
2. Scan the chip on the back of the Emirates ID by holding your camera close to the chip. (Image 2: Screenshot showing Emirates ID scanning instructions)

Step 7: Provide Your Address

1. Enter the address where you would like to receive your FAB ATM card.
2. Double-check that the address is correct and click ‘Continue’. (Image 3: Screenshot of address input page)

Step 8: Customize Your ATM Card

1. Enter the name you want to display on your ATM card.
2. Review all your entered details and click ‘Submit’ to finalize the application. (Image 3: Screenshot showing ATM card name input)

Congratulations! You have successfully applied for a FAB Zero Balance Account. Your ATM card will be delivered to your address in a few days. Make sure to have the necessary documents on hand, such as your Emirates ID and salary slip, as you may need these for verification.

Benefits of the FAB Zero Balance Account

• Avoid Extra Charges: No minimum balance requirement means no fines for low balances.
• Ease of Access: FAB branches and ATMs are widespread in the UAE.
• Digital Banking: Use the FAB mobile app for quick balance checks, payments, and transfers.

Frequently Asked Questions (FAQ)

1. Can anyone open a FAB Zero Balance Account?
Yes, but you need to meet specific criteria, such as being employed and a resident of the UAE with a valid Emirates ID.

2. How long does it take to receive my ATM card?
Your ATM card typically arrives within a few business days after account approval.

3. Can I open this account in person at a FAB branch?
It is recommended to open the FAB Zero Balance Account online, as in-person applications may have minimum balance requirements.

4. What documents do I need?
You’ll need a valid Emirates ID and possibly a salary slip, especially if requested by the bank for verification.

5. Are there charges for online banking or mobile app usage?
No, online and mobile banking services are typically free, though some transaction fees may apply based on specific services.