Emirates NBD vs Abu Dhabi Islamic Bank (ADIB): which is better? Comparison 2026
By our public methodology Emirates NBD and Abu Dhabi Islamic Bank (ADIB) score the same — 73 out of 100. Below: where they differ by factor and by fact.
Score breakdown
| Emirates NBD | Abu Dhabi Islamic Bank (ADIB) | |
|---|---|---|
| Safety | 50 | 40 |
| Digital services | 86 | 100 |
| Products | 100 | 100 |
| Transparency | 83 | 83 |
Pros and cons
Emirates NBD
- Wide range of products for private customers
- Long track record as a licensed bank
- Publishes annual reports
- Has a mobile app
Abu Dhabi Islamic Bank (ADIB)
- Wide range of products for private customers
- Holds its own current rating from a recognised agency
- Publishes annual reports
- Has a mobile app
Facts side by side
| Fact | Emirates NBD | Abu Dhabi Islamic Bank (ADIB) |
|---|---|---|
| Licensed since | 1963 emiratesnbd.com | Not verified |
| Agency rating | Not verified | Yes adib.ae |
| Annual reports online | Yes emiratesnbd.com | Yes adib.ae |
| Mobile app | Yes emiratesnbd.com | Yes adib.ae |
| Open an account online | Yes emiratesnbd.com | Yes adib.ae |
| Instant payments | Yes emiratesnbd.com | Yes adib.ae |
| 24/7 support | Not verified | Yes adib.com |
| Retail lines offered (of 6) | 6 emiratesnbd.com | 6 adib.ae |
| Tariffs online | Yes emiratesnbd.com | Yes adib.ae |
| Deposit rates online | Yes emiratesnbd.com | Yes adib.ae |
| Complaints procedure published | Yes emiratesnbd.com | Yes adib.com |