FAB End of Service Benefits Funds

What does FAB do for your end of service savings?

First Abu Dhabi Bank (FAB) offers funds under the government’s alternative end of service savings scheme. Your employer registers and pays monthly contributions into the funds for you.¹ On 25 February 2025 FAB announced final approval for the funds from the Ministry of Human Resources and Emiratisation and the Securities and Commodities Authority.²

What funds can your savings go into?

Two capital protection funds, both licensed on 21 January 2025 according to the regulator’s list:³

• FAB End of Service Benefit Fund with Capital Protection, investing in money market instruments.
• FAB Islamic End of Service Benefit Fund with Capital Protection, investing in Islamic money market instruments.²

FAB says the funds will be available across three risk profiles, in conventional and Sharia-compliant versions, and describes the capital protection strategy as suited to unskilled and conservative skilled employees.¹

Ask your employer which of the FAB funds are open to you now and for each fund’s offering document, which sets out the fees.

How do you check your balance?

FAB says employers manage contributions through a portal and employees can view and follow their investments in an employee app.¹

How do you get your money?

Your rights are set by the scheme rules: your employer’s contributions and any returns are due within 14 days of your job ending, or can stay invested at your request. See the end of service savings scheme.

How do you contact FAB about the funds?

FAB gives +971 2 499 6333 and FABEOSB@bankfab.com.¹