# ADCB \| Nomo UAE

> UK digital bank account for global spending, transfers, savings, and UK property finance. (iPhone/iPad app by BLME.)

- Source: https://appshunter.io/ios/app/adcb-nomo-uae/id1670731293 (this page in markdown: same URL + `.md`)
- Developer: [BLME](https://appshunter.io/developer/571651277)
- Category: Finance
- Price: Free
- Rating: 4.70/5 from 109 App Store ratings · 12 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.0 · 166 MB
- Languages: American English, Arabic
- Released: 2023-04-14
- Data updated: 2026-08-20
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/adcb-nomo-uae/id1670731293/reviews.md

## What is ADCB | Nomo UAE?

Think global, bank local, with a UK digital bank account from Nomo, in partnership with ADCB.

Nomo by Bank of London and The Middle East plc (“BLME”) is a trading name of BLME. Bank of London and The Middle East plc DIFC Branch is regulated by the Dubai Financial Services Authority (“DFSA”) as a Category 4 Authorised Firm. The registered office is Office 2904, Level 29, Al Fattan Currency House, Dubai International Financial Centre, Dubai, UAE, PO Box 506557 is DFSA Firm Reference Number F0003552.

When you join Nomo, you’ll have access to fee-free multi-currency spending, easy international transfers, UK-based savings accounts, and exciting property investment opportunities.

Apply for an account digitally from your smartphone.

Kindly note that the Nomo Bank account is provided by Bank of London and The Middle East (BLME) rather than ADCB.

SPEND

Pay like a local with your debit card or Apple Pay in six currencies – GBP, USD, EUR, KWD, AED, SAR – and avoid international card fees when you’re travelling abroad.

SEND

Send money abroad in multiple currencies from the app. GBP transfers to UK personal and business bank accounts are fee-free, and transfers in other currencies have low, flat fees.

SAVE

Diversify your income and earn multi-currency profits with GBP, USD and EUR Fixed Term Deposits.

PROPERTY FINANCE

Receive finance to buy a UK property, either as an investment or as a home for your family. Joint and sole applications and available, as well as refinance for existing UK property owners.*

Security with Nomo

Ensuring your money and data are safe is a top priority for us. Nomo is part of Boubyan Bank and a trading name of BLME (Bank of London and The Middle East plc), which is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA.

Nomo deposits via BLME of up to £85,000 are therefore protected by the FSCS (Financial Services Compensation Scheme). Please refer to the FSCS website for further information at www.fscs.org.uk.

Why ADCB | Nomo?

We believe that your international, fast-paced lifestyle should be matched with instant access to amazing banking products wherever you are in the world.

Nomo’s seamless banking tools allow you to live locally and think globally. Wherever our clients go, they take their financial freedom with them thanks to our Sharia-compliant digital banking app.

We’re working hard to bring digital excellence to the world of Islamic banking, through cutting-edge technology that lets customers manage their money on their terms.

It takes just minutes to open a Nomo account, so download the app and begin your journey now!

*Properties in England and Wales only. Your property may be at risk if you do not keep up the payments on your Nomo Property Finance

## Key features

- Fee-free multi-currency spending
- Easy international transfers
- UK-based savings accounts
- UK property investment finance
- Digital account opening
- Sharia-compliant banking

## Recent user reviews (10 of 12)

All indexed reviews: https://appshunter.io/ios/app/adcb-nomo-uae/id1670731293/reviews.md

### 5/5 — Best customer service

*2026-02-13, version 5.3.0*

Best bank and beat customer service for arab people in UK

### 4/5 — Easy to access sharia bank

*2025-03-01, version 2.36.0*

It’s my second experience with Islamic and sharia compliant bank in UK. This internet based bank is easy to access and modern. But it lack more complex need like loan and house finance.

### 1/5 — Don’t rely on this bank.

*2025-02-21, version 2.36.0*

When sending payments from one UK account to the other, you would imagine it would be instant like every other bank. No - they randomly decide to hold the funds and tell you it will be ‘reviewed’ No prior warning. Would not recommend as a primary account as far too unreliable.

### 5/5 — Imad

*2025-02-16*

Simple friendly

### 1/5 — Unprofessional

*2024-10-21, version 2.31.0*

Once again they have pushed out an upgrade which crashes the app and makes it unusable. It happened already three months ago and i had to spend weeks talking to customer services. They haven’t a desktop app - which us crazy - and they have poor developers that do not properly test their software - I’ll be closing my account - avoid at all costs

### 5/5 — 1

*2024-10-04*

1

### 5/5 — Easy to setup, easy to use, great rates

*2024-09-01*

The app was super easy to install, took a few minutes. It’s very intuitive to use and the interest rates are excellent especially the daily saver which doesn’t require freezing funds. I’ve used it for several international transfers and they went very smoothly

### 5/5 — Very efficient

*2024-08-24, version 2.27.0*

Application process and tech was very smooth

### 1/5 — Last version 2.24 crashes on launch

*2024-07-12*

Since the last update the app no longer works. After one week the help desk has no idea yet why… only thing I can do is spend the money using Apple pay trying to guess how much is left - no way to get access. This is completely crazy for a digital banking app. 
The plain Nomo app would work, but I had the bad idea of going for the branded ADCB-Nomo version… and if you opened your account there you cannot access it with the unbranded Nomo app.

### 1/5 — App crashes

*2024-07-10*

After the update to 2.24.0 the app crashes on launch. After three days technical support has no solution yet.
This would be bad enough, but they make it worse by not providing access via desktop/browser, so effectively a glitch in the iPhone app shuts you out completely.

## Frequently asked questions about ADCB | Nomo UAE

### What does the Nomo UAE app do?

The Nomo UAE app provides access to a UK digital bank account. It allows users to spend in multiple currencies fee-free, make easy international transfers, open UK-based savings accounts, and receive finance for UK property purchases.

### What are the key features of Nomo UAE?

Key features include fee-free multi-currency spending in GBP, USD, EUR, KWD, AED, and SAR, fee-free GBP transfers to UK accounts, low flat fees for other currency transfers, multi-currency fixed-term deposits for savings, and property finance for UK real estate.

### Is Nomo UAE free to use?

The app itself is free to download and use for managing your Nomo account. While specific transaction fees may apply for certain services, the core banking functionalities like multi-currency spending and GBP transfers are often fee-free or have low flat fees.

### Who is Nomo UAE for?

This app is designed for individuals with an international, fast-paced lifestyle who need seamless access to banking products globally. It's particularly useful for those looking to spend, save, or invest in the UK market.

### How is my money protected with Nomo UAE?

Nomo is a trading name of BLME (Bank of London and The Middle East plc), which is authorized and regulated by the Prudential Regulation Authority and the Financial Conduct Authority. Deposits via BLME are protected by the FSCS (Financial Services Compensation Scheme) up to £85,000.

## Version history (last 5 releases)

### 5.15.0 — 2026-08-17

Performance improvements and bug fixes.

### 5.14.0 — 2026-08-10

Performance improvements and bug fixes.

### 5.13.0 — 2026-07-20

Introduce a friend and access preferential rates on your Fixed-term deposits

### 5.12.0 — 2026-07-09

Performance improvements and bug fixes.

### 5.11.0 — 2026-06-24

Introduce a friend and access preferential rates on your Fixed-term deposits

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## More apps by BLME

- [BLME Concierge](https://appshunter.io/ios/app/blme-concierge/id1453708535)
- [Nomo - Digital Sharia Banking](https://appshunter.io/ios/app/nomo-digital-sharia-banking/id1550582839)
- [Al Hilal \| Nomo UAE](https://appshunter.io/ios/app/al-hilal-nomo-uae/id1672005671)

All apps by BLME: https://appshunter.io/developer/571651277

## Related topics

[nomo bank](https://appshunter.io/ios/topics/nomo-bank) · [blme](https://appshunter.io/ios/topics/blme)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-20.*