Bank by bank
ADCB: who to contact when you can't pay, and what to say
The Collections service desk and Credit Counsellors exists to agree a plan with you. Contacting them before a payment is missed keeps every option open.
Checked on the banks' own websites on 26 August 2026.
Contacts for ADCB
- The team
- Collections service desk and Credit Counsellors
- Debt team phone
- This bank publishes no phone number for its debt team. Use the email, or the bank's page.
- General line
- 600 50 2030ADCB's general contact centre, 24 hours a day. It is not the counsellors' line; ADCB's own debt page routes debt queries to the email.
- Walk-in
Abu Dhabi collection service desk
6th Floor, Al Nahyan Camp, Abu Dhabi
- Monday–Thursday and Saturday: 8:00am–3:00pm
- Friday: 8:00am–12:00pm
Dubai collection service desk
Ground Floor, Building No. 2, Dubai Outsource Zone, Dubai
- Monday–Thursday and Saturday: 9:00am–3:00pm
- Friday: 9:00am–12:00pm
- Worth knowing
- Email with your Customer Identification Number (CID) and the details of your query; a Credit Counsellor calls back on your registered number.
What happens if you don't pay ADCB
Reminders first, then a recovery officer, then a report to the Etihad Credit Bureau, and only for larger unresolved debts a civil claim. A travel ban needs a court order for a debt of AED 10,000 or more; a bank cannot impose one on its own.
Read the full ADCB guide →What to say
Ask in writing, be specific about what you can pay and from when, and keep the reply. Our deferment guide has a copy-and-adapt email that UAE banks recognise.
Get the email template →Work out what you can offer first
Put your balances and payments into the calculator to see what a realistic plan looks like before you write.
Open the calculator- How do I contact ADCB's hardship team?
- Email ServiceDesk-Collections@adcb.com. The bank publishes no direct phone number for the team. Every detail here was verified on ADCB's own website on 26 August 2026; the bank's page is the final word.
- Can ADCB put a travel ban on me?
- No bank can impose a travel ban on its own. Under the 2022 Civil Procedures Law a creditor must ask the Execution Court, generally for an established debt of AED 10,000 or more, and a judge decides.
- Will ADCB restructure or defer my loan?
- Hardship teams can offer deferments, restructured instalments or settlement plans instead of legal action. Nothing is guaranteed, but asking early and in writing, with a realistic figure, is what makes an arrangement likely.
Other banks
Hisab drafts the email to ADCB for you, in your language, and keeps every debt in one place on your phone. Free, no account.