Debt Counselling

We understand that managing financial commitments can sometimes be challenging. Taking a proactive and disciplined approach to debt management can help restore financial stability and support more confident financial decision-making. By staying on top of your financial obligations, prioritising repayments and borrowing responsibly, you can reduce debt over time and build a stronger financial foundation for the future.

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Managing Your Personal Debt	Managing Your Business Debt
Track and Plan Your Expenses: Identify and reduce avoidable expenditure	Monitor Business Cash Flows: Track repayment obligations and upcoming business expenses
Budget Recurring Expenses: Schedule rent, academic fees and insurance payments	Maintain a Financial Buffer: Set aside funds to manage seasonal slowdowns, delayed payments or unexpected emergencies
Make Timely Payments: Prioritise high-cost debt	Assess Financing Requirements Carefully: Evaluate your financing needs before taking on additional debt
Maintain Savings: Build an emergency fund to reduce reliance on debt	Match Repayments to Cash Inflows: Align repayment schedules with expected receivables wherever possible

Reach Out to Your Bank

Unprecedented events such as income losses, disruptions in business, health-related concerns or any other financial difficulties may affect your ability to manage repayments. We aim to support you with practical solutions for any financial difficulties that you may be facing. If you need help, we encourage you to:

Speak to your Relationship Manager if you find it difficult to arrange funds for upcoming payments
Contact our Debt Management team, to review your situation and discuss possible options such as debt restructuring or payment plans

Phone
+971 4 419 5555 (Monday to Friday from 9 AM to 5 PM)

Email
debtcounselling.ae@habibbank.com

Contact your Relationship Manager
Visit a branch

Fees & Charges

Schedule of Charges for Personal Banking

Schedule of Charges for Business Banking

Schedule of Charges for Priority Banking

Note: Late payment fees are in line with the maximum limits defined by Central Bank of the UAE and any change in fees will be notified with 60 calendar days’ notice. The Bank will not charge a fee for restructuring facilities.

Complaints & Feedback

Submit a complaint via the Bank’s website, any branch or by calling 800 HABIB (42242) within the UAE or +971 4 419 5555 from abroad
Track your complaint using the unique reference number generated upon registration
Receive a response within 10 business days
Contact at complaints@habibbank.com if you are dissatisfied with the Bank’s response
Escalate to Sanadak if your complaint remains unresolved, you are not satisfied with the outcome or you have not received a final response within 30 calendar days

Sanadak Contact Details:

Address
Ground Floor, Emirates Institute of Finance Building,
Sultan Bin Zayed The First Street, Abu Dhabi, UAE

Phone
800 SANADAK (800 72 623 25)

Email
info@sanadak.gov.ae

Website
www.sanadak.gov.ae

Conventional

Islamic

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