FAB Current Account Minimum Balance in UAE: Everything You Need to Know (2025 Guide)
Do you intend to open a First Abu Dhabi Bank (FAB) current account, or do you have one but are asking yourself, How much money do I need to deposit so that I do not pay any fees? I can explain it to you in two short, sweet, and smart words. This guide includes the current minimum balance on the FAB current account, which is associated with a penalty for its drop, as well as professional advice on how to stay in the fee-free zone and benefit while using your current account to the fullest.
What Is a FAB Current Account?
FAB Current Account is a simple transactional account within First Abu Dhabi Bank, which is one of the most trusted banks in the UAE. It is made to work with everyday banking, withdrawals, deposits, online payments, cheques, and all the good stuff.
Features:
- AED, USD, GBP, and multi-currency options
- Online and mobile banking
- Cheque book facility
- Salary deposit enabled
- Debit card provided
However, similar to most accounts now prevalent in the UAE, there is a snag: you must maintain a minimum balance in order to avoid any penalties.
What Is the Minimum Balance for a FAB Current Account?
The FAB Current Account includes a minimum balance of AED 3,000 as of the year 2025. In the event that your balance goes below this level in the course of a month, FAB will impose a monthly fee of AED 26.25 (with VAT inclusive).
| Requirement | Details |
| Minimum balance required | AED 3,000 |
| Below-balance fee | AED 26.25/month (incl. VAT) |
| How to avoid it | Maintain AED 3,000+ daily/monthly |
Who Gets Charged the Fee?
Not everyone, here’s who’s exempt:
- Salary Account Holders: As long as you have a salary of AED 5,000 or higher, you will not receive a penalty when your balance falls under AED 3,000.
- FAB Etihad Guest Accounts and certain privileged banking levels can possess alternative conditions as well, just to be certain at all times.
Okay, so as long as you receive your salary regularly, then you are okay. However, when you use the account to carry out business, side jobs, or transfers, monitor the balance.
How to Check FAB Bank Account Balance
Not feel like going under the line accidentally and being charged? Keep checks on the balance. These are simple ways of checking your FAB balance:
👉 See the full step-by-step guide here:
🔗 FAB Balance Check
What Happens If You Fall Below the Minimum Balance?
If your FAB current account balance stays under AED 3,000 for a billing cycle:
- You get charged AED 26.25 at the end of the month.
- It reflects in your monthly statement as a “Below Balance Fee”.
- Repeated monthly charges could hurt your account status and your wallet.
Tip: If your account is used only occasionally, deposit a buffer amount (say AED 3,500–4,000) to avoid surprise charges.
Can You Close the Account If You Don’t Meet the Balance?
Yes, but don’t do it mid-month if you’ve already been charged. Instead:
- Withdraw funds after the billing cycle.
- Clear any pending charges.
- Close the account formally to avoid future deductions.
Pro Tips to Stay Fee-Free with FAB
Here’s how to stay smart with your FAB current account:
- Automate salary deposits of AED 5,000+ if possible.
- Use mobile banking to monitor your balance regularly.
- Don’t let your account sit empty for too long.
- Set balance alerts through FAB’s mobile app.
- Link an FAB Savings Account for emergency transfers.
Want to Check Old NBAD Accounts?
NBAD (National Bank of Abu Dhabi) was the name before it became FAB. In case you are inquiring about balances or attempting to have a lost account restored:
👉 Use this guide for help:
🔗 NBAD Balance Inquiry
Final Thoughts
Yes, where you are salary-eligible, or can comfortably accommodate AED 3,000+. FAB supports dependable customer service, excellent online bank accounts, and extensive ATMs all through the Emirates. However, you should get a zero-balance or salary transfer account, especially in the case of a student or a person who is just beginning his/her career.
