FAB Online Banking

FAB Online Banking is the digital channel of First Abu Dhabi Bank PJSC, the largest bank in the UAE. For casino payments it serves as a bank rail: card deposits with 3D Secure, local and international transfers, and withdrawals to your account. It is regulated, secure, and connected via Visa, Mastercard, and SWIFT.

This review covers deposits, withdrawals, fees, speeds, limits, privacy, and common issues. You will see strengths like strong security, high limits, and broad reach. You will also see drawbacks like possible card declines, cash-advance treatment on credit cards, foreign exchange costs, and slower bank-wire cashouts. The aim is clear. Help you decide when to use FAB and when to pick an alternative.

FAB Online Banking

Number of Games

Type

Direct Deposit, Money Transfer

Fees

3%-5%

Processing time

1-3 Days

Casinologia/FAB Online Banking

Alex Yanev

Specialist Content Contributor

13.10.2025

Updated

Key Facts

Company

First Abu Dhabi Bank

Headquaters

Abu Dhabi, United Arab Emirates

Established

2017

Number of users

3,000,000+

FAB Online Banking Markets:

Lithuania

Luxembourg

Online Casinos Accepting FAB Online Banking

Most casinos will not list FAB by name. You use FAB through Visa or Mastercard on the cashier, or by selecting Bank Transfer. For withdrawals you request a bank wire to your FAB account, or a card refund if the site supports it. Availability depends on the casino’s processor and FAB’s own controls.

Below is the casino listing that highlights where this payment method is accepted:

Filter

Casinos: 0

Bonus Amount

500

Free Spins

500

Welcome Bonus Percentage

100

Total Bonus Percentage

200

Bonus Types

Software Provider

Payment Method

License

Languages

Accepted currency

Live Game

0 / 0 0%

What Is FAB Online Banking and How It Dominates Online Casino Payments?

FAB Online Banking is the internet and mobile platform of First Abu Dhabi Bank PJSC, the UAE’s largest financial institution. It connects retail and corporate clients to their accounts through secure web and app channels. Users manage balances, make domestic and international transfers, pay bills, and control card settings. The system uses multi-factor authentication, real-time alerts, and encryption equal to global banking standards.

In gambling contexts, FAB operates as a payment source rather than a dedicated processor. A player funds a casino account by using a FAB-issued Visa or Mastercard or by sending a wire transfer through the online portal. Withdrawals return through the same channels. Internal transfers within FAB are instant, local UAE payments clear within minutes, and international wires reach foreign casinos or payment intermediaries in one to three business days. Because FAB links directly to the global card networks and the SWIFT system, its reach covers nearly every casino that accepts card or bank payments. The bank’s strong compliance framework, government ownership share, and 3D Secure protection make it one of the safest options for regulated transactions, though its conservative policy toward gambling can restrict approvals or cause declines.

Interesting Facts About FAB Online Banking

FAB Online Banking combines local authority with global reach. It was born in 2017 from the merger of two of the UAE’s strongest banks, National Bank of Abu Dhabi and First Gulf Bank. It now serves over four million clients across more than twenty markets. The bank runs on deep public trust, partial government ownership, and constant digital expansion. FAB was also one of the first in the Gulf to link its cards to Apple Pay, Google Pay, and Samsung Pay, pushing contactless payments across the region.

FAB manages total assets exceeding 300 billion USD, making it the largest lender in the Middle East.
The Abu Dhabi Investment Council holds about one-third of its shares, giving it a semi-sovereign backing.
FAB Payit, the bank’s digital wallet, was the first UAE-issued wallet approved for peer-to-peer and QR payments nationwide.
FAB was the lead arranger for Wynn’s planned resort financing in the UAE, showing its ties to the growing regulated casino industry.
Its 3D Secure and OTP systems are mandatory on every online transaction, lowering card-related fraud to under one percent of reported cases.
The bank’s mobile app ranks among the top financial apps in UAE stores, with over one million active monthly users.
FAB cards are enabled for cross-currency transactions in 150+ countries through Visa and Mastercard networks.

Is Gambling with FAB Online Banking Legal?

In the UAE, online casino gaming is prohibited under federal law, and FAB follows those regulations. The bank does not officially support gambling payments, and its systems may block or flag such transactions. Using FAB abroad depends on local laws. In regions where gambling is legal, FAB cards and transfers can work if the merchant is coded as entertainment or general retail. The legality rests on the player’s location and the casino’s license, not on FAB itself.

🌍FAB Online Banking Gambling Legality by Region

Region	FAB Online Banking	Notes
United Arab Emirates	Not permitted for gambling	Gambling is banned by law; FAB blocks or declines related transactions.
Middle East (Oman, Qatar, Saudi Arabia, Kuwait, Bahrain)	Restricted	Regional laws prohibit betting; banks follow the same stance as in the UAE.
Europe	Functional	FAB cards and transfers work if the casino is licensed and coded as a legal entertainment merchant.
Asia-Pacific	Mixed	Works in countries that allow online gambling (e.g., Philippines); blocked in others like Singapore or India.
North America	Conditional	Usable for general payments; gambling transactions depend on state or provincial regulation.
Africa	Limited	Functional in markets with legal online betting such as South Africa; restricted elsewhere.
Latin America	Supported	Transfers and card payments usually process if the casino operates under a recognized license.
Offshore Casinos (Curacao, Anjouan, etc.)	Possible	FAB transfers can reach these operators via SWIFT, but approvals depend on FAB’s compliance filters.

Fees, Delays, and Hidden Costs

FAB Online Banking applies standard retail and international transfer fees, but gambling transactions can trigger extra costs. Credit card deposits often classify as cash advances with immediate fees and daily interest. Bank transfers carry fixed or percentage-based service charges, and foreign payments add exchange margins. Withdrawals through international wires may also incur intermediary fees, reducing the final amount received.

Typical costs and delays:

Credit card deposits: 3–5% cash advance fee plus daily interest until repaid.
Debit card deposits: No interest, but 1.5–3% foreign transaction fee if billed in another currency.
Domestic transfers: Instant within FAB, up to AED 1.05 per local payment.
International transfers: 1–3 business days; AED 25–100 or foreign equivalent per transfer.
Incoming international wires: Fee deducted by intermediary or receiving bank, usually AED 30–75.
Currency conversion: Applied at FAB’s retail rate with a small spread above interbank rates.
Early card repayment: No penalty, but cash advance interest stops only once cleared.

How to Use FAB Online Banking to Gamble Online

Using FAB for casino payments follows standard banking procedures. You either use your FAB Visa or Mastercard on the casino’s cashier or send a wire through your online banking portal. Withdrawals return by the same method if approved. Each step requires precise input and confirmation, as FAB monitors international transfers closely.

Step 1

Log in to FAB Online Banking

Visit the FAB website or open the mobile app.
Sign in using your username, password, and OTP.

Step 2

Choose the Payment Type

For cards: select Visa or Mastercard at the casino’s cashier.
For transfers: open the “Transfers and Payments” menu in FAB Online Banking.

Step 3

Enter Payment Details

For cards: fill in card number, expiry, and CVV.
For transfers: enter the casino’s IBAN, SWIFT code, and payment reference as shown in your casino account.

Step 4

Confirm the Transaction

Verify all data and approve with your OTP.
Keep a screenshot or reference number for record.

Step 5

Wait for Processing

Card deposits appear instantly if approved.
Bank transfers take 1–3 business days.

Step 6

Withdraw Winnings

Request withdrawal via bank transfer to your FAB account.
Confirm your IBAN and wait for the funds to clear.

New Online Casinos That Accept FAB Online Banking

casino icon

Most new casinos do not display FAB directly in their payment lists, but many support its underlying channels. Platforms licensed in Curacao, Anjouan, and Malta usually accept Visa, Mastercard, and international bank transfers, which include FAB-issued cards and accounts. These sites integrate processors that route payments through global networks, so a FAB deposit functions like any other bank card transaction. Some newer operators also accept Apple Pay and Google Pay, allowing FAB users to pay with their linked mobile wallets. While FAB may still decline transactions coded as gambling, players who succeed usually report smooth deposit handling, instant balance updates, and reliable withdrawals. The reach of FAB across more than 150 card-supported countries makes it compatible with most upcoming casino brands that rely on standard payment infrastructure.

Live Casinos That Support FAB Payments

live streaming

Live dealer platforms often share their payment processors with slot and sportsbook sites. FAB works through the same channels: Visa, Mastercard, or direct bank transfer. The player enters FAB card details, confirms via OTP, and sees an instant deposit if the bank authorizes it. Withdrawals are handled through bank wires that usually clear within three business days. Some live casino brands support Apple Pay deposits, allowing FAB customers to fund their play through mobile authentication. While FAB’s regional restrictions remain a barrier, technically the infrastructure supports its cards and accounts across most global live dealer platforms.

FAB Online Banking Compared to Other Banking Methods

comparison icon FAB stands out for reliability, regulation, and reach, but it trails modern digital options in speed and flexibility. Compared to other banks, it offers strong encryption, instant local transfers, and global SWIFT connectivity. It also enforces strict compliance, making transactions traceable and secure. Yet for casino users, this strictness can become a drawback, as some transfers face delays or rejection due to UAE gambling policies. Other banks in open markets process gaming payments faster and with fewer restrictions. FAB’s advantage lies in scale and infrastructure, while its disadvantage comes from conservative approval filters. In essence, it performs like a global-tier bank for legitimate payments but may lag behind gambling-friendly institutions when used for casino deposits or withdrawals.

FAB Online Banking Vs. Other Payment Methods

Criteria	FAB Online Banking	eWallets (Skrill, Neteller, etc.)	Cryptocurrencies (BTC, USDT, etc.)
Speed	Instant for internal transfers, 1–3 days for international wires	Instant deposits, withdrawals within hours	Near-instant depending on network confirmation
Fees	1.5–5% card fees, AED 25–100 for wires	1–3% per transaction or currency conversion	Usually low network fees, exchange spreads may apply
Anonymity	None; all transactions visible to the bank	Partial; casinos see wallet ID, not your bank	High; no personal bank link required
Acceptance in Casinos	Broad through Visa/Mastercard or wire	Very high; accepted on nearly all gambling sites	Growing fast; accepted on most modern platforms
Regulation	Fully licensed and monitored by UAE Central Bank	Regulated under EU/UK financial authorities	Decentralized, varies by jurisdiction
Security	3D Secure, OTP, bank-grade encryption	Strong encryption, two-factor login	Depends on user wallet; secure if managed properly
Withdrawal Time	2–5 business days	0–24 hours average	Minutes to hours after casino approval
Privacy	Low; statement shows merchant names	Moderate; masked through wallet provider	High; blockchain visible but pseudonymous
Limits	High or adjustable through bank	Often capped around 10,000–20,000 USD per transaction	Depends on coin liquidity and casino policy
Ease of Use	Simple for account holders, extra verification needed	Fast, convenient, one-click transfers	Requires wallet setup and crypto handling knowledge

FAB Card Types Compared – Credit vs. Debit vs. Prepaid

credit card icon

FAB issues cards under Visa and Mastercard networks, each tied to different account types. Credit cards allow purchases on borrowed funds with repayment flexibility, debit cards draw directly from account balances, and prepaid cards use preloaded amounts. All support 3D Secure and OTP verification. For casino use, debit cards are safer and less costly, while credit cards risk cash-advance fees and interest. Prepaid cards have limited international acceptance and may not process gambling codes at all.

Key distinctions

Credit cards: Allow larger transactions and international use but treat gambling as a cash advance with 3–5% fees and daily interest.
Debit cards: Funded from your own money; lower risk, instant deposits if approved, and usually no interest charges.
Prepaid cards: Fixed-balance cards such as Ratibi; designed for payroll or domestic use, rarely accepted for online gambling.
Security: All cards use OTP and 3D Secure to confirm identity and reduce fraud.
Best option for casinos: Debit, as it avoids debt and offers fast settlement without ongoing finance charges.

Security, Chargebacks, and Disputes: How Safe Is FAB Online Banking for Online Gambling?

FAB maintains strict digital and card security protocols. Every transaction uses 3D Secure or OTP confirmation, and users receive instant SMS alerts. All data sent through FAB’s online or mobile channels is encrypted end to end. Fraud detection systems monitor transactions and automatically block suspicious activity. For casino payments, this means each deposit or withdrawal request is verified in real time, lowering the risk of unauthorized use.

Chargebacks and disputes follow Visa and Mastercard standards. If a casino charges incorrectly or fails to deliver funds, the customer can open a dispute through FAB. The bank looks over the claim and, if valid, issues a reversal. Refunds to credit cards appear within a few days. However, disputes involving gambling can be rejected if the transaction itself violated UAE law or FAB’s terms. For legitimate issues, FAB’s support team handles chargebacks within regulated time frames and under full compliance review. Overall, safety is high, but users must operate within legal boundaries to retain protection.

Payment Transparency – Are FAB Casinos Clear on Terms?

FAB operates with full regulatory oversight, meaning every transaction leaves a clear audit trail. Casino deposits and withdrawals processed through FAB appear on statements with merchant names, reference codes, and currencies. This ensures traceability and compliance but removes privacy. The structure benefits users who value financial clarity but limits anonymity.

Security

All online transactions require OTP or biometric confirmation.
FAB uses encryption and fraud monitoring across its platforms.
Suspicious or high-risk activity is automatically flagged or blocked.

Disputes

Customers can raise disputes through FAB’s online portal or call center.
Investigations follow card network rules and take several business days.
Refunds for valid claims appear once FAB confirms the merchant’s fault.

Terms

Gambling payments fall under restricted merchant codes under UAE law.
Using FAB cards for such transactions can lead to automatic declines.
All terms are published in FAB’s card and account agreements.

Clarity

Each transaction includes visible identifiers like merchant country and MCC.
Card statements show charges in AED with full conversion details.
FAB sends alerts for every charge, so tracking is immediate.

Transparency

Bank records disclose the source and purpose of all payments.
Incoming and outgoing transfers show all intermediary and conversion fees.
Users have access to downloadable histories through online banking for audits or personal review.

Philosophical Note – Should Rational Gamblers Use FAB Online Banking?

Rational gambling relies on measured spending, verified sources, and full accountability. FAB Online Banking aligns with these principles. Its transparent records, strong verification, and strict compliance discourage impulsive or hidden spending. Players using FAB are forced to operate within limits set by regulation and banking policy, which indirectly promotes discipline. The lack of anonymity and high traceability turn each transaction into a conscious decision rather than a quick click. For those who value control, security, and traceable budgeting over speed or privacy, FAB suits a rational approach. For others seeking convenience or discretion, alternative payment systems may better match their mindset.

Online Casinos Accepting FAB Online Banking – FAQs

No. Card deposits through FAB process instantly when approved, but the bank may decline gambling-coded payments. Bank transfers made through FAB Online Banking can take one to three business days, depending on destination and intermediary banks.

Yes. Most casinos support withdrawals via international bank transfer to a FAB account. Processing usually takes two to five business days. Some casinos can send partial withdrawals to the same FAB card used for deposit, but only if the card transaction was approved earlier.

There are no secret fees, but several standard banking costs apply. Credit cards classify gambling transactions as cash advances with a 3–5 percent fee and daily interest. International wires charge between AED 25 and AED 100 per transfer, plus possible intermediary deductions. Currency exchange spreads also apply for non-AED payments.

Yes. Casinos generally award bonuses based on the deposit method, not the issuing bank. If your FAB card or transfer is accepted, the deposit counts toward bonus eligibility. Bonus rules depend on the operator’s policy, not FAB.

The casino receives your name, card details, and transaction reference. FAB shares only the information required for authorization. The bank keeps all customer data confidential under UAE banking law, but each payment is traceable by merchant name and code on your statement.

FAB cards and accounts are globally compatible with Visa, Mastercard, and SWIFT systems, but acceptance depends on local law. In countries where online gambling is legal, FAB works if the bank allows the charge. In restricted regions such as the UAE or Saudi Arabia, gambling transactions are blocked.

FAB ranks among the most secure banking options. It uses 3D Secure, OTP verification, encryption, and real-time fraud detection. All accounts include SMS alerts for each transaction. Its protection level equals or exceeds that of eWallets, though it lacks anonymity.

Declined gambling payments are the main issue. Some users also report delays in international wires, cash-advance fees on credit cards, and reduced privacy since casino names appear on statements. Account freezes are rare but possible if repeated gambling transactions violate bank policy.

Yes. FAB’s fraud and risk systems already restrict most gambling codes. Users can request additional merchant blocks or card freezes through customer support or the mobile app to prevent any further betting payments.

Yes. Each casino transaction appears with the merchant’s trading name, date, and amount. Statements also include currency conversion details and card references. There is no masking or hidden descriptor.

Check first with the casino’s payment support to confirm the decline reason. If the payment failed due to FAB’s restriction, contact the bank to verify if gambling codes are blocked on your card. In most cases, use an alternative payment method such as an eWallet or prepaid card, or request an international bank transfer through the casino cashier.

Alex Yanev

Specialist Content Contributor

Alex is a dedicated casino reviewer and writer with a fascination for the intersection of logic, philosophy, and gaming culture. Influenced by classical thinkers like Aristotle and Socrates, he brings clarity, depth, and structure to every review, transforming complex systems into accessible insights. With a research-driven mindset and a refined writing style, Alex aims to elevate the conversation around online casinos. When off duty, he finds inspiration in cinema, travel, and the quiet patterns of everyday life, believing that curiosity is a full-time vocation, not just a job description.

Online Casinos Accepting FAB Online Banking

What Is FAB Online Banking and How It Dominates Online Casino Payments?

Interesting Facts About FAB Online Banking

Is Gambling with FAB Online Banking Legal?

🌍FAB Online Banking Gambling Legality by Region

Fees, Delays, and Hidden Costs

How to Use FAB Online Banking to Gamble Online

Log in to FAB Online Banking

Choose the Payment Type

Enter Payment Details

Confirm the Transaction

Wait for Processing

Withdraw Winnings

New Online Casinos That Accept FAB Online Banking

Sportsbooks That Accept FAB Online Banking

Live Casinos That Support FAB Payments

FAB Online Banking Compared to Other Banking Methods

FAB Card Types Compared – Credit vs. Debit vs. Prepaid

Security, Chargebacks, and Disputes: How Safe Is FAB Online Banking for Online Gambling?

Payment Transparency – Are FAB Casinos Clear on Terms?

Security

Disputes

Terms

Clarity

Transparency

Philosophical Note – Should Rational Gamblers Use FAB Online Banking?

Online Casinos Accepting FAB Online Banking – FAQs