Drop an Emirates NBD, FAB, ADCB, Mashreq, DIB, ADIB, or RAKBANK PDF. Get every AED row — WPS salary credits labeled, Salik and DEWA debits separated.
AED has been pegged to USD at 3.6725 since November 1997. The peg is structural — UAE oil and gas revenues are USD-denominated — and shows up as clean, predictable conversion lines in every UAE bank statement. Domestic AED transactions stay in AED. Card spend abroad converts at the bank's published rate, usually within 0.5% of the peg-implied mid-market. We extract both numbers and keep them in separate columns so your reconciliation isn't off by FX spread.
UAE statements often run in English with mixed Arabic merchant names — we extract both. Common labels include 'SALARY-WPS' for Wage Protection System payroll, 'SALIK' for road toll debits, 'DEWA' for Dubai utility bills, and ATM withdrawals with emirate-level geocoding. Every label survives. We don't translate Arabic merchant names into English transliteration that loses the original.
We've tested AED PDFs from Emirates NBD, First Abu Dhabi Bank (FAB), Abu Dhabi Commercial Bank (ADCB), Mashreq, Dubai Islamic Bank (DIB), Abu Dhabi Islamic Bank (ADIB), RAKBANK, and Emirates Islamic. Each has its own PDF layout — ENBD uses a four-column running statement, FAB groups by transaction type, DIB shows Murabaha installments on a separate page. We handle each format without you telling us which bank issued the file.
Free zone businesses and mainland businesses both work. Since the June 2023 corporate tax rollout, separating qualifying free zone income (0% CIT) from mainland income (9% CIT) is a transaction-level concern. The output keeps the bank's original counterparty wording intact, which is what your accountant needs to make that distinction.
UAE residents reconciling AED salary against AED card spend, expat freelancers in Dubai's free zones building income proof for tenancy renewals, accountants preparing UAE corporate tax filings, finance teams at SMEs in JAFZA or DMCC, and household managers tracking multiple monthly utility debits across emirates.
Output is Excel-ready: dates in the leftmost column, description in English and Arabic columns side by side, debit, credit, and balance as numeric columns formatted in AED. Multi-currency entries (AED + USD original) appear as parallel columns, so your bookkeeping in Zoho Books or Xero doesn't lose the original currency.
Pegged to USD at 3.6725 since November 1997. The AED is fully convertible with no capital controls. Dubai's status as a global financial hub means AED statements frequently include multi-currency conversions.
Emirates NBD
United Arab Emirates
Abu Dhabi Commercial Bank (ADCB)
United Arab Emirates
First Abu Dhabi Bank (FAB)
United Arab Emirates
Mashreq Bank
United Arab Emirates
Abu Dhabi Islamic Bank (ADIB)
UAE
Dubai Islamic Bank (DIB)
UAE
RAKBANK
UAE
Sharjah Islamic Bank
UAE
Commercial Bank of Dubai (CBD)
UAE
National Bank of Fujairah (NBF)
UAE
Ajman Bank
UAE
Will WPS salary deposits show up as a separate row?
Yes. WPS-tagged credits appear with their original 'SALARY-WPS' or employer-name descriptor as a distinct row. Bonus, allowance, or off-cycle payments stay separate where the bank prints them separately.
Can it read mixed Arabic and English statements from Emirates NBD or FAB?
Yes. UAE bank statements often mix English headers with Arabic merchant names. Both come through. Arabic text is extracted natively — no transliteration, no OCR fallback that loses characters.
What about Islamic bank statements from DIB and ADIB?
Murabaha and Wakala entries extracted with original Arabic and English labels intact. We don't relabel them as 'interest' or merge them with conventional finance rows.
Does it handle the USD-denominated transactions on AED statements?
Yes. International card spend usually appears with both the AED-converted amount and the original USD (or EUR, GBP) amount. Both go into the Excel output as separate columns, so your FX reconciliation stays exact.
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