UAE banks have introduced loan deferment and flexible repayment schemes in 2026 to support residents, SMEs, and frontline workers amid regional economic challenges. Here’s a detailed breakdown of which bank offers what, under which scheme, and how much relief you can get.
Abu Dhabi Islamic Bank (ADIB) – “Sanadna” Initiative
Abu Dhabi Islamic Bank has launched its Sanadna initiative, offering one of the most comprehensive relief packages.
Scheme Details:
- Payment deferment for SMEs and individuals
- Financial relief support + takaful protection
How Much Relief?
| SMEs | Frontline workers | Additional Benefits |
| 30–60 days instalment deferment (April–June 2026) | Up to 3 months deferment (no extra cost) | Up to 50% fee waiver on POS services |
| 0.99% rate on salary advance finance |
Grace Periods
- Up to 7 months (personal finance)
- Up to 6 months (auto finance)
📞Contact
ADIB Toll free: 800 200 or (+971) 2 4129000 (outside the UAE)
Email: customerservice@adib.ae
First Abu Dhabi Bank (FAB) – Support Package
First Abu Dhabi Bank has introduced a targeted support package for frontline personnel.
Scheme Details:
- Loan deferment options
- Flexible repayment plans
- Preferential lending rates
💰 How Much Savings Can You Expect?
- No fixed percentage disclosed
Includes:
- Cashback offers
- Priority services across 20 branches
- Fast-track support
📞How to Contact FAB?
FAB: 600 52 5500 (within the UAE), +971 2 681 1511 (For customers outside of the UAE)
Ajman Bank – “Talahom” Initiative
Ajman Bank has rolled out its Talahom initiative, focusing on fee waivers and cashback benefits.
Scheme Details:
- Instalment deferment with fee waivers
- Credit card and finance benefits
How Much Benefit you will Receive?
- Up to 3 months deferment (fees waived)
- 200% cashback on first digital credit card purchases
- 0% processing fees (auto & home finance)
- Free takaful for 3 years
- Monthly cashback on home finance (up to 5 years)
👉 This scheme offers strong cashback + zero-fee benefits for customers.
📞Contact Ajman Bank Customer Support
Phone Number: +971600555522
Who is Eligible for these Schemes?
Banks are mainly targeting:
- Frontline workers (armed forces, police, healthcare, emergency services)
- Small and Medium Enterprises (SMEs)
- Individuals affected by financial or operational disruptions
Qualification for Frontline Worker
The programmes define frontline personnel as members of:
- UAE Armed Forces
- Ministry of Defence and Interior
- Police forces
- Civil defence
- Emergency medical services
If You’re Not a Frontline Worker or SME Owner, how to apply?
Contact your bank early: Reach out before missing any payments. UAE banks are expected to assist customers facing genuine financial difficulties, and early communication improves your chances of support.
Request loan restructuring: You may be eligible for extended repayment periods, reduced instalments, or temporary payment holidays. These options depend on the bank but are increasingly available during financial stress.
Check employer support options: Some companies provide salary adjustments, advances, or financial assistance to help employees manage short-term cash flow issues.
Understand your rights if unemployed: In case of job loss, your end-of-service benefits and final settlement can help cover outstanding loans. Banks may also offer deferment or relief options for unemployed individuals.
View the List of Banks in Abu Dhabi, UAE Address, Phone Number, Email, Website through the link.
What Should You Do Right Now?
If you hold loans with ADIB, FAB, or Ajman Bank:
- Check your eligibility: Contacting your bank’s customer service or visiting a branch
- Gather your documents: Employer verification, salary certificates, business licences for SMEs
- Apply early: Deferment windows are time-limited (April to June 2026 for most programmes)
- Keep paying until your deferment is confirmed in writing: Stop payments without approval can trigger penalties
