First Abu Dhabi Bank (FAB) runs one of the UAE’s largest self-service banking networks, providing a quick service for customers to manage their daily banking needs at a branch. FAB’s ATM and Cash Deposit Machine (CDM) network is the largest in the UAE in terms of total assets, enabling customers to withdraw cash, make deposits, check their ATM balances, and make payments for bills in all emirates of the UAE.
It provides you with the details of what a FAB ATM can do, how fees are calculated, and the limits on withdrawals, the difference between an ATM and a Cash Deposit Machine, and how you can complete a transaction safely and accurately.
Quick Facts
| Detail | Information |
|---|---|
| Bank Name | First Abu Dhabi Bank (FAB) |
| Bank Type | Largest bank in the UAE by total assets |
| ATM/CDM Network Size | 230+ ATMs and Cash Deposit Machines across the UAE (2026) |
| Machine Types | Standard ATM, Cash Deposit Machine (CDM), Multi-currency ATM |
| Availability | 24/7 at most mall,s, airports, and standalone locations |
| FAB Card Withdrawal Fee | Free at any FAB ATM in the UAE |
| Other UAE Bank Card Fee | UAE Switch (UAESWITCH) inter-bank fee applies, typically AED 2 |
| Daily Withdrawal Limit | Typically AED 5,000-15,000 depending on card and account type |
| Contactless Support | Apple Pay, Samsung Pay, Google Pay, Garmin Pay, Fitbit Pay |
| Customer Care | 600 52 2235 (UAE) / +971 2 681 1511 (International) |
What Is a FAB ATM and What Can It Do?
The FAB ATM is a self-service machine that is operated by First Abu Dhabi Bank and enables the customers to perform routine banking actions with their respective debit/drawing up card, credit card, or provided mobile wallet. FAB has two leading types of self-service machines in the UAE.
Standard ATM
Processes cash withdrawals, balance inquiries, mini statements, and PIN changes. This machine type is the most widely seen and found in almost all FAB branches, malls, and standalone units.
Cash Deposit Machine (CDM)
Enables instant deposit of cash and cheques as well as the usual ATM services. CDMs are not as common as regular ATMs, so it is advisable to check with the Automated Teller Machine provider regarding the availability of a CDM before using it for a deposit.
Full List of FAB ATM Services
FAB ATMs offer numerous transactions aside from cash out, depending on their type and location.
- All cash withdrawals will be free of charge for FAB cardholders while in AED.
- A witch will instantly deposit cash or checks. Wi tch will make instant cash and cheque deposit tCtCDM-enabled machines.
- Update the enquiry and print mini-statements at the same time.
- Card-associated features at certain locations
- For all your utilities bills via DEWA, Etisalat, and du, you can pay for these at many machines.
- Multi-currency withdrawal from ATMs located at select airports and premium branch ATMs.
- Use Apple Pay, Samsung Pay, Google Pay, Garmin Pay, or Fitbit Pay to complete contactless withdrawals.
FAB ATM fees Explained
It is important to understand how fees are charged by FAB to avoid unpleasant surprises, especially if FAB customers draw out money from US banks or the bank they belong to.
FAB Cardholders
FAB Cardholder credit / prepaid cardholders can enjoy all the activation and maintenance charges-free ATM transactions, such as deposits, withdrawals, and enquiries about balances from any FAB ATM or CDM in the UAE, irrespective of the location of the center in which you are using the machine.
Other UAE Bank Cardholders
UAE Switch (UAESWITCH), the ATM interoperability system for the UAE, regulated by the Central Bank of the UAE, will facilitate debit cash withdrawals for customers of other UAE banks at FAB ATMs. Usually, the fee charged by the inter-bank is applicable from the bank that issues the card, not from FAB.
International Cardholders
FAB ATMs accept Visa, Mastercard, and other major international cards, with FAB setting its own charge in addition to any international withdrawal/currency conversion fee, which is charged by the card-issuing bank in the foreign country.
FAB ATM Withdrawal Limits
The daily limit to withdrawals from FAB ATMs is based on factors such as the type of card, the level of the account, and whether the withdrawal is domestic or international. Usually, the daily limit for personal debit cards ranges from AED 5,000 to AED 15,000, and even higher with premium and elite account cards. Credit cards have different cash advance limits, often less than debit card amounts, and can have cash advance fees and high interest rates on the money withdrawn.
These are representative FAB personal card terms made openly available to the public by the bank and are not guaranteed for all personal cards. The limits differ depending on the product, so please check on your card in the FAB Mobile App, or by reaching out to FAB Customer care.
Step-by-Step: How to Use a FAB ATM
Step 1: Insert or Tap Your Card
Tap using a contactless-enabled card or supported mobile wallet, or insert your FAB card (debit, credit, or prepaid).
Step 2: Select Language and Enter PIN
On the screen, select the language of your choice, then type in your 4-digit pin. Cover the keypad when entering a PIN to avoid shoulder surfing.
Step 3: Choose Transaction Type
Depending on the type of machine you’re using, you can use the machine for cash withdrawal, balance enquiry, mini statement, cash and cheque deposit, PIN change, or bill payment.
Step 4: Confirm and Collect
Withdrawals are made by checking the desired amount or entering it, agreeing to the transaction, and then taking the money and representing it in print or on screen.
Safety Tips for Using FAB ATMs
- If locking security is required, write the PIN down, but do not memorize it to lower risks from over-entrusting thieves with vital information.
- Use familiar ATMs where you are accustomed so that you can identify the unusual charges more easily.
- Plan the amount of withdrawal so that not too much cash is carried around.
- While inserting your PIN, place your hand over the keypad.
- Immediately report lost or retained card to FAB customer care.
Where FAB ATMs Are Typically Located
Most of the ATMs and CDMs have been placed in the areas where people are most likely to go, not allocated evenly across the land, so people will have to work harder in some areas to locate an ATM.
Malls and Retail Centres
The highest density of FAB ATMs is located within shopping malls throughout Dubai and Abu Dhabi, usually in the vicinity of the mall’s main entrances, supermarkets, or the mall’s food court for easy reach while visiting Dubai shops and food courts.
Airports and Transit Hubs
FAB provides ATMs at Dubai’s major airport terminals and close to metro stations, and frequently offers assistance in withdrawing multiple currencies for customers from outside the UAE.
Branch Locations and Business Districts
All FAB branches have at least one ATM-CDM, and extra standalone ATMs are strategically located in business districts like Sheikh Zayed Road, Business Bay, and Khalifa Business Park to meet the needs of many office workers who are working outside the branch hours. To see the complete list of specific locations near you, either follow our FAB ATM Near Me guide or check the official FAB locator.
FAB ATM vs CDM vs Branch Visit
Not all banking activities come through the post office. When you know which channel suits your task, it will save you a lot of time, particularly during busy bank hours.
Use a Standard ATM For
The following services are available only when paying by REALcard: cash withdrawal, balance enquiry, mini statement printing, and PIN change. The quickest and most readily found machines are all over the FAB network.
Use a CDM For
Fast cash deposits, bill payment with a cheque, and cash. Check for the availability of CDM at the location before making a special trip, as CDM is not as commonly available as standard ATM’s.
Visit a Branch For
Accounting opening, card replacement, dispute, official statements, salary certificates, and any service that involves foolproof information and/or a signature. All such transactions must take place at a self-service machine. Consult our FAB Head Office guide to find out who to contact and what to do.
Must Read:
FAB Head Office Business Park Address, Timings & Visitor Guide (2026)
FAB Prepaid Card Types, Fees, Eligibility And How to Apply in the UAE 2026
FAB Balance Check with App, ATM, SMS And Salary Card Methods 2026
Frequently Asked Questions
What types of transactions can I do at a FAB ATM?
FAB ATMs let customers withdraw cash, view balance, print mini statements, change PIN, deposit cash and cheques (only at CDM-enabled ATMs), and make bill payments (at select ATMs).
Is FAB ATM withdrawal free?
It is 100% free to pull cash out of a FAB ATM with a FAB Debit, Credit, or Prepaid Card in any FAB ATM throughout the UAE.
What is the difference between a FAB ATM and a FAB CDM?
The standard FAB ATM is capable of cash and cheque withdrawal and balance inquiries as well as mini statements, while the standard Cash Deposit Machine (CDM) has the added advantage of instantly depositing cash and cheques as well.
Are FAB ATMs open 24 hours?
Most FAB ATMs are open 24 hours, including standalone machines at malls, airports, and so on; however, some branch ATMs may be open during the hours for building access.
Can I use another UAE bank’s card at a FAB ATM?
UAE bank cards are accepted at FAB ATMs using the UAE Switch network – typically, it will be an inter-bank fee that applies.
Can I withdraw foreign currency from a FAB ATM?
Multi-currency withdrawals are accepted by FAB ATMs, especially at premium branch offices and airports.
What is the maximum withdrawal limit at a FAB ATM?
The daily withdrawal amount is dependent on the card type and account tier, and is generally AED 5,000 to AED 15,000 per day.
Can I deposit cash without a branch visit?
Yes, you can make an instant cash deposit in debit/credit card/ mobile number into your bank account using FAB Cash Deposit Machines without going to any branch counter.
Can I pay bills at a FAB ATM?
Yes, numerous FAB ATMs accept payment for utilities like DEWA, Etisalat, and du.
What should I do if a FAB ATM keeps my card?
Call the Customer Care of FAB to report and block the card as early as possible or make a visit to getresolved easily.
Can tourists use a FAB ATM with an international card?
Yes, FAB ATMs are compatible with most international payment providers, including both Visa and Mastercard; however, the bank where the card is issued will likely have an international ATM withdrawal levy as well.
Does FAB charge for a balance enquiry?
No, FAB cardholders can balance without facing any charges when accessing any FAB ATM in the UAE.
Disclaimer: This page is for informational purposes only. Please visit the official First Abu Dhabi Bank (FAB) (www.bankfab.com) for the most accurate and up-to-date information.
