How to withdraw money from ATMs in Abu Dhabi?

You’ll find that the vast majority of ATMs in Abu Dhabi accept major international debit and credit cards, including Visa, Mastercard, Cirrus, and Maestro. Whether your bank card was issued in Europe, Asia, or North America, you’re likely to encounter minimal issues. Machines typically display the accepted card logos on the screen or the front panel. For first-time users, we recommend testing your card during daytime hours when bank branches are open, just in case assistance is needed.

ATMs are available in malls, banks, airports, and even gas stations

You won’t have trouble finding an ATM in Abu Dhabi—machines are located inside shopping malls, outside bank branches, hotel lobbies, supermarkets, and even at ENOC and ADNOC fuel stations. Areas like Al Wahda Mall, Yas Mall, and the Corniche are packed with reliable machines. Airport terminals have 24/7 ATMs from major banks as well. Many ATMs in tourist-heavy areas offer English, Arabic, and sometimes even Chinese or Russian language options.

Withdrawals are typically limited per transaction and per day

While UAE banks don’t always impose strict withdrawal caps for tourists, your home bank likely does. You might only be able to withdraw a set amount per day, usually equivalent to several hundred US dollars. On-screen prompts will show local withdrawal limits. If you need a large sum, consider making several transactions over consecutive days or visiting a branch with your passport. Always remember to check if your card has regional restrictions or needs pre-authorization for international use.

ATM fees vary depending on your card issuer and network

Most ATMs in Abu Dhabi don’t charge extra usage fees themselves, but your home bank might. Some banks add flat-rate international withdrawal charges or take a percentage from the total amount. To avoid surprises, it’s a good idea to contact your card provider before departure. Some travelers find that using cards linked to global networks with travel benefits offers better exchange rates and minimal withdrawal fees. Currency conversion at ATMs is automatic, and you’ll receive dirhams.

Notify your bank before international travel

Many first-time visitors forget this crucial step: inform your bank that you’ll be in Abu Dhabi. Sudden withdrawals from the UAE can trigger anti-fraud blocks, especially if your bank isn’t aware of your travel dates. Even with a functioning card, a random block could leave you in a bind during an emergency. Most banks allow you to register travel plans through mobile apps or customer service hotlines.

ATMs in Abu Dhabi are safe and secure to use

Machines are located in well-lit, secure areas and are generally equipped with surveillance systems. Avoid isolated ATMs late at night unless they’re inside hotels or malls. Use machines attached to known banks like First Abu Dhabi Bank, ADCB, or Emirates NBD to reduce the chance of skimming or device tampering. If a machine swallows your card, the nearest branch can assist you during operating hours. Store their emergency number or your embassy’s contact info just in case.

Some ATMs offer multi-language interfaces and additional services

ATMs operated by larger banks often provide a multilingual interface. English is standard, but you may find support in French, Hindi, Chinese, or Russian in tourist zones. Beyond cash withdrawals, these machines also allow you to check balances, change PINs, or print mini-statements. If you’re a resident with a local bank account, some ATMs offer bill payments, mobile recharge, or even parking fine settlements. For visitors, however, cash access is the main use.

Keep track of exchange rates and withdrawal receipts

Exchange rates fluctuate, and although UAE ATMs typically offer market-aligned rates, it’s wise to check current rates before withdrawing. Mobile apps or airport displays can help you gauge whether it’s a good day for a large withdrawal. Always take your printed ATM receipt—it not only confirms your transaction but provides proof in case of a dispute. If you lose your card, the last known ATM location and time may help your bank trace usage.

Consider alternative withdrawal options for better control

If you’re withdrawing larger sums or making frequent purchases, consider using a travel card or prepaid international debit card. These allow you to preload funds in AED or your home currency and often offer better control of fees. Some hotels also allow card-to-cash transactions at their front desk, but terms vary. Western Union and currency exchange counters inside malls also offer withdrawal services, but identification and a small processing fee usually apply.

Credit card cash advances should be your last resort

While credit cards do allow cash withdrawals from ATMs, they come with high interest rates and additional fees. Unless you’re in an urgent situation, using a debit card or prepaid travel card is a far more economical choice. Some credit cards also charge foreign transaction fees on cash advances, which can result in significant extra costs. If you must use a credit card, choose a card with no international fees and repay the balance as quickly as possible.

This guide was written by www.few.ae team, with input based on local banking procedures and current ATM usage standards in the UAE.