ADCB is the daily-banking backbone for thousands of UAE SMEs. Bilingual rows, TouchPoints rebates, and Islamic financing lines export cleanly into Zoho Books and Xero.
Convert ADCB statementsAbu Dhabi Commercial Bank's statement format is structured enough to map directly into Zoho Books or Xero bank feeds. For accountants serving UAE SMEs and SOHO traders, the ADCB ledger usually carries the operational core: client receipts, supplier payments, payroll, VAT remittances, and DEWA or Etisalat utilities. Reconciling ADCB first usually closes the bulk of the trial balance gap.
ADCB's 2019 absorption of Union National Bank and Al Hilal Bank means some long-running client accounts still carry UNB or Al Hilal legacy descriptors in the migration header. Kashfbank parses both formats. ADCB Islamic accounts use Murabaha and Wakala terminology that the export tags as financing, not interest — so the IFRS classification stays correct.
ADCB issues a bilingual Arabic/English PDF with DD/MM/YYYY dates. Channel codes (POS-TRX-, ATM-WD-, IB-) and counterparty IBANs or SWIFT BICs are preserved in the Description column. Zoho Books UAE VAT edition, Xero, and Sage 50 import the resulting CSV without column remapping.
Accountants should watch the interest-charged rows (or Murabaha for Islamic accounts) — they appear mid-statement and must be booked as finance costs, not operational expenses. ADCB CASHBACK CREDIT rows are TouchPoints rebates and book to other income, not revenue. The export labels both correctly when detected.
Pull the full transaction list with running balance, supplier debits including any VAT split, financing rows separately, TouchPoints rebates separately, and SWIFT inflows separately. Cross-check the closing balance against the trial balance. Any gap is the first reconciliation item.
English-dominant PDF with bilingual headers. Dates in DD/MM/YYYY. Clean tabular layout: transaction date, value date, description, debit, credit, balance. IBAN displayed in statement header. Interest/fee lines clearly separated. Some older accounts may show statement layout inherited from Union National Bank merger.
| Label | Meaning |
|---|---|
| POS PURCHASE | Card payment at point-of-sale terminal |
| ATM CASH WITHDRAWAL | Cash dispensed at ATM |
| SALARY | Monthly salary credit via WPS |
| LOAN INSTALMENT | Monthly EMI deduction for personal or auto loan |
| SALIK RECHARGE | Top-up of Dubai Salik road toll account |
UAE-based accountants using Zoho Books (UAE VAT edition) need the VAT column flagged; Kashf's Category field tags ZATCA-style VAT payment rows for easy filtering.
Upload one or more ADCB PDFs
Upload the client's ADCB statements in one session. Each file is processed independently and labeled with its source filename, so 12 monthly PDFs become 12 sheets in one bundle.
Verify Islamic vs. conventional
Check whether the account is ADCB or ADCB Islamic. Financing rows for Islamic accounts tag as Murabaha or Wakala. Conventional ADCB shows interest-charged rows. Both export cleanly but post to different ledger accounts.
Reconcile running balance
The Balance column should be continuous month to month. Any gap signals a missing page or split PDF. Re-upload; Kashfbank merges chronologically. UNB or Al Hilal legacy entries from 2019 migration are read as ADCB.
Export to the accounting tool
Download the CSV. Zoho Books UAE VAT edition imports the file directly. For Xero or Sage, the Date, Description, Debit, Credit, Balance, Category, Currency columns map to the standard bank-feed schema.
Common challenges
Can Kashfbank process multiple clients' ADCB statements in one session?
Yes. Each upload is processed independently and labeled with its source filename. A single session can convert 10 to 20 PDFs across different clients, with each downloaded as its own CSV. SME bookkeepers and tax agents can run a full month's batch in one sitting.
How does the export book ADCB TouchPoints cashback?
ADCB CASHBACK CREDIT rows are tagged as Other Income (rebate). They should post to an other-income ledger account, not revenue, since they are loyalty rebates rather than trading income.
Does ADCB Islamic financing book differently in Zoho Books or Xero?
Yes, under IFRS Islamic financing posts to different ledger accounts than conventional interest charges. Kashfbank tags ADCB Islamic Murabaha or Wakala rows as financing, so the accountant maps them to the correct chart-of-accounts line on import.
What about ADCB accounts that predate the 2019 UNB or Al Hilal absorption?
Migration entries from Union National Bank or Al Hilal Bank carry legacy descriptors that Kashfbank parses. The amount, date, and balance on each row are preserved, so opening balance tie-outs across the migration date still work for the audit working paper.
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Regulator: Central Bank of the UAE (CBUAE)
Fiscal year: Jan 1 – Dec 31 (Gregorian)
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