ADCB is the daily-banking choice for many Abu Dhabi freelancers. Pull client payments out of your bilingual PDF in seconds, before the FTA return.
Convert your ADCB statementAbu Dhabi Commercial Bank serves a balanced retail and SME customer base across Abu Dhabi and Dubai, with strong appeal to Emirati and expat freelancers running mainland trade licences and DMCC, twofour54, or RAKEZ free-zone permits. The 9% UAE corporate tax applies to net profit above AED 375,000 (since June 2023). The FTA return is mandatory whether you cross the threshold or not.
ADCB's retail account is often the only account a freelancer holds, so business and personal flows share one IBAN. Salary or fixed-fee client wires sit next to DEWA bills, SALIK top-ups, TouchPoints cashback credits, and weekend dining. Without a structured export, building a defensible P&L means scrolling 400 rows in a PDF.
ADCB issues a bilingual Arabic/English PDF with DD/MM/YYYY dates. Card purchases print as POS-TRX- followed by the merchant name and city. ATM cash withdrawals print as ATM-WD-. Inbound SWIFT wires arrive with sender BIC and original currency on the same row as the AED amount. Local AED transfers from UAE clients come via the UAE Funds Transfer System with the originating IBAN intact.
ADCB TouchPoints loyalty cashback shows as 'ADCB CASHBACK CREDIT' — a frequent line item that looks like income but is not revenue. Kashfbank categorises it as a rebate so it does not contaminate the freelance income figure on the export.
The FTA wants business revenue separated from personal flows and rebates. Pull inbound client wires, qualifying business expenses, and VAT-bearing supplier debits. Park personal POS-TRX-, ATM-WD-, family transfers, and TouchPoints cashback in separate buckets.
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 freelance permit holders are subject to 9% corporate tax on profits above AED 375,000 (since June 2023); statements must distinguish service income from personal transfers to calculate taxable profit.
Download your ADCB PDF
Open the ADCB Mobile Banking app, go to Accounts, request a 12-month statement, save the PDF. Drop it into Kashfbank. ADCB's bilingual statements parse with both Arabic and English descriptors preserved on each row.
Verify currency and period
Confirm AED as the base currency and that the period covers your full tax year (most UAE freelancers file on the Gregorian calendar).
Filter to freelance income only
Sort by Category. Keep International Wire and Inbound Transfer rows. Drop POS-TRX-, ATM-WD-, family transfers, and TouchPoints cashback. What remains is gross freelance revenue.
Export to Excel or CSV
Download the filtered file. The Date, Description, Debit, Credit, Balance, Category layout imports into Zoho Books UAE VAT edition without remapping.
Common challenges
Does Kashfbank treat ADCB TouchPoints cashback as income?
No. ADCB CASHBACK CREDIT rows are categorised as Rebate, not Income, on the export. This keeps the freelance revenue figure honest — TouchPoints redemptions are not taxable revenue under UAE corporate tax.
I have an ADCB Islamic account. Does the export look different?
ADCB operates an Islamic window. Financing and profit rows on Islamic accounts use Murabaha or Wakala terminology and Kashfbank tags them as financing entries, not interest. Otherwise the layout matches conventional ADCB statements.
My ADCB statement is bilingual. Which language does the export use?
Both. The Description column retains the original Arabic and English text from the PDF on the same row. Filters work on either language. The output is a single CSV — no need to choose between Arabic and English.
Do I need to keep the original ADCB PDF after converting?
Yes. The FTA requires source documents for at least seven years. Keep the original ADCB PDF alongside your CSV export and invoice records.
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Regulator: Central Bank of the UAE (CBUAE)
Fiscal year: Jan 1 – Dec 31 (Gregorian)
Full country guide →Statement language: English