ADCB Bank Statement Converter

TL;DR

ADCB statements pack a separate value-date column, multi-line descriptions, and bilingual Arabic / English narration into a tight PDF layout that breaks generic converters. ClearlyLedger ships a dedicated ADCB profile that stitches the multi-line descriptions back together, keeps the value date as a distinct field, and exports balance-verified Excel or Tally / Zoho / QuickBooks-ready CSV — FTA VAT compliant.

Why ADCB Statements Are Tricky

Abu Dhabi Commercial Bank is the second-largest UAE bank and a default for federal-government salary accounts, free-zone corporate accounts and retail customers across Abu Dhabi. Its statement PDFs are dense: the transaction description spans up to four physical lines, the value date sits in its own column, and incoming SWIFT remittances drop an IBAN reference on a separate row from the amount.

Generic table-extractors treat each physical line as a separate row, producing dozens of orphan entries with no debit / credit and an unreconciled closing balance. That output is useless for a VAT return.

Step 1: Download Your ADCB PDF

1. Log in to ADCB Personal Internet Banking or the ADCB mobile app.
2. Go to Accounts → e-Statements, select the account and period.
3. Download the PDF. ADCB email statements are password-protected — the default password is your account number or date of birth depending on enrolment date; the ADCB email body specifies.

Step 2: Upload & Unlock

Drag the PDF onto ClearlyLedger and enter its password when prompted. The password is used only to unlock that conversion and is not stored or logged. The unlocked PDF is not retained after processing.

Step 3: What the ADCB Profile Does

• Stitches multi-line descriptions back into a single Payee field, capped at 30 characters for QuickBooks compatibility, with the remainder preserved in the Reference column.
• Keeps the transaction date and the value date as separate columns — important for accountants doing month-end accruals and settlement reconciliation.
• Preserves IBAN, SWIFT BIC and Direct Remit codes in the Reference column rather than dumping them into Description.
• Splits AED amounts with sign awareness — debit / credit columns populated correctly regardless of how ADCB has formatted the row.
• Bilingual narration: the Arabic column is preserved as a secondary reference so RTL auditors lose nothing.
• Runs balance reconciliation (opening + credits − debits = closing) before allowing export.

ADCB Business & ProCash Statements

ADCB Business and ProCash (corporate cash management) statements use a denser schema with batch-payment summaries embedded inline. The ADCB Business profile recognizes these summary rows and excludes them from the transaction ledger while preserving the summary totals in a separate metadata block — avoiding the double-counting that wrecks reconciliation in generic tools.

Step 4: Export

Excel (.xlsx) and Standard CSV are on every plan including Free. Starter and above add direct-import CSV formats for Xero, QuickBooks, and Tally Prime. Dates default to DD/MM/YYYY for UAE locale, with clean AED amounts that need no reshaping.

FTA VAT & Corporate Tax

The export schema (Date, Description, Reference, Debit, Credit, Balance) is exactly the structure FTA auditors expect for the 5-year VAT record retention rule and the 9% Corporate Tax filing introduced in June 2023. Mainland LLCs registered with DED, free-zone companies in DMCC / JAFZA / ADGM, and federal-government salary account holders all use the same export.

Common Issues & Fixes

• Multi-line description split across rows. Generic tools do this; the ADCB profile prevents it. If you see it, you have not selected the ADCB profile — it should auto-detect; re-upload if not.
• Value date confused with transaction date. ClearlyLedger keeps both. Pick the one your accountant prefers in the preview before exporting.
• Closing balance off by a fil. Usually a separator misread on a single high-value row. The repair UI highlights the suspect row.

Key Takeaways

• Multi-line descriptions stitched into a single clean Payee field.
• Value date preserved as a separate column.
• AED balance reconciliation before every export.
• Your ADCB password is used only to unlock that conversion and is never logged or stored.
• CSV imports directly into Tally Prime, Zoho Books and QuickBooks Online.

Ready? Convert your ADCB statement free, or browse the full UAE bank statement converter hub.