ADCB Statement Analyzer — UAE Bank PDF Analysis with AI

Upload your Abu Dhabi Commercial Bank statement PDF and get categorized spending insights in seconds. Works with AED, USD, and multi-currency ADCB accounts. No bank login required.

Why ADCB Customers Need a Statement Analyzer

Abu Dhabi Commercial Bank is one of the largest banks in the UAE, serving millions of customers with checking accounts, savings accounts, and credit cards. Every month, ADCB generates PDF statements packed with transaction data. But turning that raw data into actionable spending insights has traditionally been a manual, time-consuming process.

Most budgeting apps on the market rely on Plaid or similar bank aggregation services to connect directly to your bank account. The problem is that Plaid does not support UAE banks. That means ADCB customers are completely locked out of popular tools like Mint, YNAB connected accounts, and Monarch Money. If you bank with ADCB, you have been stuck with spreadsheets or nothing at all.

A PDF-based statement analyzer solves this entirely. You download your statement from ADCB online banking, upload the PDF, and get a full spending breakdown in under a minute. No API connection needed, no third-party access to your banking credentials, and it works with every ADCB account type.

How to Download Your ADCB Statement PDF

Before you can analyze your statement, you need to download it from ADCB. Here is how to get your PDF from both the ADCB online banking portal and the ADCB mobile app.

From ADCB Online Banking

1. Log in to your ADCB online banking account at adcb.com.
2. Navigate to the Accounts section and select the account you want to analyze.
3. Click on Statements or e-Statements in the account menu.
4. Select the statement period (month and year) you want to download.
5. Click the download or PDF icon to save the statement to your device.

From the ADCB Mobile App

1. Open the ADCB app on your phone and log in with your credentials or biometric authentication.
2. Tap on the account you want to view.
3. Look for the Statements option, usually found under account details or the more menu.
4. Select the month and tap Download PDF.
5. The PDF will be saved to your device. You can then upload it from your phone or transfer it to your computer.

Supported ADCB Account Types

Spend & Invest works with every type of ADCB account that generates a PDF statement. This includes:

• ADCB Current Accounts — Your primary checking account with deposits, withdrawals, salary credits, and bill payments.
• ADCB Savings Accounts — Track deposits, interest credits, and any withdrawals from your savings.
• ADCB Credit Cards — Including TouchPoints, Traveller, Lulu, and Cashback cards. The analyzer handles credit card-specific formats with charges, payments, fees, and interest.
• ADCB Covered Cards — ADCB's debit-like covered cards are fully supported with their unique statement layout.
• ADCB Business Accounts — Business banking statements with payroll, vendor payments, and commercial transactions.

AED and Multi-Currency Support

ADCB statements are primarily denominated in UAE Dirhams (AED). The analyzer fully supports AED as a primary currency, correctly parsing amounts with the AED format and decimal conventions used in UAE banking.

If you use your ADCB card for international purchases, those transactions often appear on your statement with the original foreign currency amount alongside the AED equivalent. The analyzer captures both values and categorizes the transaction based on the vendor, regardless of which currency was used at the point of sale.

Spend & Invest supports AED, USD, EUR, GBP, TTD, and many other currencies. If you hold multiple ADCB accounts in different currencies, you can analyze each statement separately and view consolidated spending on your dashboard.

How AI Categorizes Your ADCB Transactions

When you upload your ADCB statement, the AI reads every transaction line and assigns each one to a spending category. Here is how the categorization process works:

1. Known vendor matching. If you have previously corrected a category for a specific vendor, the system remembers and applies your preference automatically. This means categorization accuracy improves with every statement you upload.
2. AI inference. For vendors the system has not seen before, AI analyzes the vendor name, transaction amount, and context to determine the most likely category. Common UAE merchants like Carrefour, Lulu Hypermarket, ADNOC, Noon, and Talabat are recognized automatically.
3. Confidence scoring. Each categorization receives a confidence score. High-confidence items (green) are almost certainly correct. Low-confidence items (amber) are flagged for your review so you can correct them if needed.
4. Learning from corrections. When you correct a category, the system asks if you want to apply that correction to all transactions from the same vendor. This creates a feedback loop that makes every future statement faster to process.

Manual Tracking vs Spend & Invest for ADCB Statements

Privacy and Security for UAE Banking Data

Privacy is especially important for banking customers in the UAE. With Spend & Invest, you never share your ADCB online banking credentials with anyone. There is no API connection, no screen scraping, and no third-party aggregator sitting between you and your bank.

You simply download your statement PDF from ADCB and upload it to the analyzer. Your data is processed securely, and you maintain full control over what gets uploaded and when. There is no ongoing background access to your account, no recurring data pulls, and no way for anyone to initiate transactions on your behalf.

This is a fundamentally different model from Plaid-based apps that store your username and password and periodically scrape your account. With PDF upload, your credentials never leave your browser. The bank statement is a read-only snapshot that cannot be used to access your account.

Common UAE Spending Categories

The default spending categories work well for UAE residents, but you can customize them during onboarding. Here are some categories that ADCB customers commonly set up:

• Groceries — Carrefour, Lulu Hypermarket, Spinneys, Choithrams, Union Coop
• Dining Out — Talabat, Deliveroo, Zomato, restaurant purchases
• Transportation — ADNOC, ENOC, Salik toll charges, RTA parking, Careem, Uber
• Utilities — DEWA, Etisalat, Du, ADDC (Abu Dhabi Distribution Company)
• Shopping — Noon, Amazon.ae, mall purchases, Namshi
• Housing — Rent payments, Ejari fees, maintenance charges
• Healthcare — Pharmacy purchases, clinic visits, hospital payments
• Education — School fees, training courses, educational materials

Getting Started with Your ADCB Statement

Ready to analyze your ADCB bank statement? The process takes less than a minute:

1. Download your latest ADCB statement PDF from online banking or the mobile app.
2. Create a free account at Spend & Invest.
3. Upload your PDF and let the AI categorize your transactions.
4. Review any flagged items, correct categories if needed, and finalize.
5. Explore your spending dashboard with category breakdowns, trends, and month-over-month comparisons.

The more statements you upload, the smarter the system gets. It learns your vendor preferences and applies them automatically to future uploads, making each statement faster to process than the last.

Try It Free Today

Spend & Invest is free to use during early access. Upload your ADCB statement and see your spending patterns in under a minute. No bank login, no Plaid, no spreadsheets. Just upload your PDF and go.

Want to learn more? Read our guide on AI-powered bank statement analysis, find out why you do not need a bank login to budget, or explore spending tracking without Plaid.