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What is Al Etihad Credit Bureau (AECB)?

Al Etihad Credit Bureau (AECB) is the UAE’s official credit bureau. It collects credit/repayment data from banks, lenders, telecoms, utilities and other relevant organizations, and produces **credit reports and credit scores** for individuals and companies. You can buy/view reports & scores via the AECB website or the AECB Credit Report mobile app (registration/ID verification required).

AECB credit score — how it works (quick facts)

Score range:300 – 900** (higher = lower credit risk)

Typical interpretation (example ranges used by providers)

  * 746–900 – Very High / Excellent

  * 711–745 – High

  * 651–710 – Medium

  * 541–650 – Low

  * 300–540 – Very Low / High risk.

Main factors that affect your AECB score payment history, outstanding debt levels, credit utilization, credit mix (type of credit), age of credit history, number of recent credit applications (hard enquiries).

How lenders use it banks and finance companies check the AECB score/report when deciding on loans, credit cards, limits and pricing. A better score usually improves approval odds and may lead to better rates/limits.

 How to get your AECB report & score

Official channelsAECB website / AECB CreditReport mobile app. You can register using Emirates ID (UAE Pass flow is supported) and pay on the portal. Government portal guidance also lists DubaiNow / TAMM and other partner channels for access.

Typical cost published examplesMany banks and guides note the individual credit report ~ AED 84 (incl. VAT) and the credit score for a smaller fee (prices can vary slightly by channel). Always confirm the current price on the AECB site/app.

Practical tips to improve/maintain your AECB score

* Pay loans/credit-card bills on time (biggest factor).

* Keep credit-card utilization low (don’t max out cards).

* Avoid multiple loan/card applications in a short period.

* Keep older accounts open where reasonable (age helps).

* Check your report regularly and dispute any errors via the AECB portal.

 All banks in the UAE

The official, authoritative register of licensed banks in the UAE is published by theCentral Bank of the UAE (CBUAE). The CBUAE maintains a register (PDF) of all licensed banks (local/national banks, fully-Islamic banks, and foreign banks operating in the UAE). The latest publicly available register I used is the CBUAE bank register (June 2025) If you need the absolutely up to the minute list, CBUAE is the source to check.

Below I list the major national (local) banks and many of the foreign banks licensed in the UAE as shown in the CBUAE register (June 2025). This is not an informal “top 10”it follows the CBUAE register structure (national banks, Islamic banks, foreign banks and specialized / investment banks).