Online ATM Balance Inquiry: How to Check in UAE

Check your bank account balance in the UAE by visiting any ATM and selecting Balance Inquiry, through your bank’s official mobile app, via USSD code by dialling your bank’s shortcode, or by SMS. Most UAE banks offer all four methods free of charge when using their own ATM network. Third-party ATMs may charge AED 1 to AED 5 per inquiry.

Do This Next

1. Find your bank’s USSD code or app in the table below
2. Dial the USSD code or open your banking app to check instantly
3. Enable SMS or app notifications to monitor your balance automatically

UAE Bank ATM Balance Check — USSD Codes and Apps

USSD codes work without an internet connection and are available across Dubai, Abu Dhabi, Sharjah, Ajman, and all other Emirates on any mobile network with registered Mobile number.

How to Check Balance at an ATM

The ATM balance inquiry method works at any UAE bank’s ATM and at most interbank ATM locations across the country.

1. Insert your debit or ATM card into the machine
2. Enter your PIN — always shield the keypad from view when entering
3. Select Balance Inquiry from the main menu
4. Your available balance displays on screen — print a receipt if needed
5. if you want to withdraw the money you can choose amount shown or enter manually

Checking your balance at a third-party ATM (not your own bank’s machine) may incur a fee of AED 1 to AED 5 per inquiry. Checking at your own bank’s ATM is free. All major UAE banks — Emirates NBD, First Abu Dhabi Bank, ADCB, and Mashreq Bank — operate nationwide ATM networks across Dubai, Abu Dhabi, and Sharjah.

Pro Tip: To avoid third-party ATM fees entirely, save your bank’s official app and use the balance check function before leaving home. The app method is free, instant, and does not require a card or PIN entry at a machine.

How to Check Balance via Mobile Banking App

Every major UAE bank provides a free official mobile banking app for iOS and Android. No ATM visit is required — the balance displays immediately after login.

1. Download your bank’s official app from the App Store or Google Play — verify the publisher name matches your bank before installing
2. Log in using biometrics, PIN, or OTP as required by your bank
3. Open the Accounts or Balance section — your current and available balance display immediately

Never install a banking app from a third-party link or unofficial source — only download from the App Store or Google Play with the publisher name verified against your bank’s official website.

Mobile banking apps also provide transaction history, which ATM balance checks and USSD codes do not. Use the app method when you need to verify recent transactions alongside your current balance.

For residents managing finances across multiple services in the UAE, the banking finance UAE hub covers related topics including PayPal setup and account management in the UAE.

How to Check Balance via USSD Code

USSD (Unstructured Supplementary Service Data) codes are shortcodes dialled directly from your phone’s dial pad, connecting you to your bank without any internet connection or app.

1. Open your phone’s dial pad
2. Dial your bank’s USSD code from the table above — for example, *555# for Emirates NBD
3. Press the call button
4. Follow the on-screen menu and select Balance Inquiry
5. Your balance displays on screen within seconds

USSD balance checks are not available on international SIM cards even if the phone works on UAE networks. The USSD code connects through your UAE SIM’s mobile account, which must be registered with the bank.

USSD codes work on any mobile phone — smartphone or basic handset — making them the most accessible no-internet balance check option across all Emirates.

Online ATM Balance Inquiry Without Visiting a Branch

The term online ATM balance inquiry refers to checking your bank account balance digitally without visiting a branch or ATM in person. As of 2026, three methods qualify:

• Mobile banking app — free, instant, requires internet and smartphone
• Internet banking portal — log in at your bank’s official website, navigate to Accounts, and view your balance; suited for desktop users in office environments such as DIFC or Business Bay
• USSD code — free, instant, no internet required

Internet banking does not require a branch visit or ATM card — only your online banking login credentials. Emirates NBD, First Abu Dhabi Bank, ADCB, and Mashreq Bank all provide full online balance inquiry through their official websites.

Safety Rules for ATM and Online Balance Checks

Following basic security practices protects your account whether you are checking at an ATM, on an app, or through a browser.

• Always cover the ATM keypad with your hand when entering your PIN — shoulder surfing at ATMs is the most common method of PIN theft in busy urban locations
• Use only your bank’s official ATM — avoid standalone machines in unmonitored or poorly lit locations
• Never access mobile or internet banking over public Wi-Fi — use your mobile data connection for all banking activity
• Enable SMS or push notifications for all account transactions so any unauthorised activity is flagged immediately
• If an ATM retains your card or behaves unexpectedly, call your bank’s emergency number immediately — do not leave the machine unattended

Check: Best Business Bank Account in UAE

Frequently Asked Questions

Can I check my UAE bank balance with a foreign card at a UAE ATM?

Yes. Most UAE ATMs accept international debit and credit cards on the Visa, Mastercard, and UnionPay networks. A balance inquiry fee of AED 1 to AED 5 typically applies for non-UAE cards, charged by the ATM operator. Your home bank may also apply its own foreign ATM fee. Check your card’s international fee schedule before using a UAE ATM for balance inquiries with a foreign card.

Is online ATM balance inquiry free in the UAE?

Checking your balance through your own bank’s mobile app, USSD code, internet banking portal, or own-network ATM is free. Third-party ATMs — machines not belonging to your bank — may charge AED 1 to AED 5 per inquiry. SMS balance checks may carry a standard SMS rate depending on your mobile plan. Confirm your bank’s fee schedule for each method before use.

Which UAE banks offer USSD balance check without internet?

Emirates NBD (*555#), ADCB (*440#), Mashreq Bank (*505#), RAKBANK (*577#), Dubai Islamic Bank (*566#), Abu Dhabi Islamic Bank (*272#), Commercial Bank of Dubai (*444#), and Sharjah Islamic Bank (*292#) all offer USSD balance inquiry without an internet connection. First Abu Dhabi Bank uses SMS “BAL” to 9966 as its no-internet method instead of a USSD code.