Ajman Bank Balance Check Guide UAE – SMS, Online, ATM & App

In the UAE’s fast-moving, digitally regulated banking environment, real-time access to account balances is no longer a convenience—it is an operational necessity. From salary credits and WPS compliance to personal cash-flow planning and business reconciliations, knowing how and where to check your Ajman Bank balance accurately and securely is a foundational banking skill for residents and businesses alike.

Ajman Bank, a Sharia-compliant financial institution regulated by the Central Bank of the UAE (CBUAE), provides multiple balance-inquiry channels designed for different user contexts—online, offline, assisted, and automated. This guide consolidates all official methods into one authoritative resource.

Ajman Bank Balance Inquiry

Checking an Ajman Bank balance refers to retrieving the current available or ledger balance of an account held with Ajman Bank PJSC through authorised banking channels. These channels are governed by UAE banking regulations, customer authentication rules, and Ajman Bank’s internal security protocols.

Balance inquiries apply to:

• Savings and current accounts
• Salary accounts
• Personal and business Islamic accounts
• Debit-linked accounts

All official balance check methods are free of charge, available 24/7, and protected under UAE banking confidentiality laws.

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Official Ways to Check Ajman Bank Account Balance

1. SMS Banking (PULL Service) – Fastest Offline Method

SMS banking is Ajman Bank’s most lightweight balance-check option, designed for situations where internet access is unavailable or impractical.

To use this service, the customer must first be registered for Ajman Bank SMS banking. Once activated, the balance inquiry works as an on-demand “PULL” request.

You can check your balance by sending an SMS from your registered mobile number using the following format:

BAL [space] 12-digit account number
Send to: 7700

Within seconds, you will receive an automated reply displaying your current account balance. This service operates continuously, including weekends and public holidays.

It is important to distinguish between:

• PUSH messages, which are automatic alerts for transactions, and
• PULL messages, which are customer-initiated requests such as balance checks

Only the PULL service is used for balance inquiries.

2. Ajman Bank Connect Mobile App – Most Comprehensive Option

The Ajman Bank Connect mobile application is the bank’s primary digital banking platform and the most robust method for checking balances and managing accounts.

After logging in, your account balance is displayed instantly on the dashboard, updated in real time. Beyond balance checks, the app supports fund transfers, bill payments, card controls, and statement downloads, making it the preferred channel for day-to-day banking.

Registration can be completed entirely online, either using:

• UAE PASS (recommended for faster verification), or
• Your debit or credit card details with OTP authentication

Once registered, you can enable biometric login (fingerprint or Face ID) for secure and quick access.

This method is best suited for residents, business owners, and digitally active users who require frequent visibility into their balance and control over transactions.

3. Internet Banking (Desktop & Browser Access)

Ajman Bank’s internet banking portal provides the same core balance information as the mobile app, optimised for desktop and browser-based access.

After completing the one-time registration on the official digital banking portal, users can log in from anywhere to view:

• Current and available balances
• Transaction history
• Deposits and term accounts
• Financial summaries

Internet banking is particularly useful for business users, accountants, and customers who prefer a larger interface for financial review and reconciliation.

4. Phone Banking – Assisted Balance Inquiry

For users who prefer human assistance or do not use digital platforms, phone banking remains a reliable option.

By calling Ajman Bank’s official customer service numbers, customers can retrieve their balance through:

• An automated IVR system, or
• A live customer service representative

Verification is mandatory and may include identity questions or account validation before balance details are disclosed.

This method is especially relevant for senior customers, non-digital users, or urgent clarification scenarios.

5. ATM Balance Inquiry (Ajman Bank & UAESWITCH)

Ajman Bank customers can check their account balance at:

• Any Ajman Bank ATM, or
• Other ATMs connected to the UAESWITCH network

After inserting your debit card and entering your PIN, the “Balance Inquiry” option displays your current balance instantly on screen.

This method is commonly used when withdrawing cash or when digital access is temporarily unavailable.

6. Bank Statements (Digital & Physical)

While not a real-time method, bank statements provide official balance records along with transaction history.

Customers can access:

• Digital statements instantly available through the mobile app or internet banking, or
• Physical statements are delivered monthly upon request

Statements are significant for audits, visa applications, loan processing, and dispute resolution, as they reflect opening and closing balances verified by the bank.

Security, Compliance, and UAE Banking Regulations

Ajman Bank operates under strict CBUAE consumer protection frameworks, and balance inquiries are safeguarded accordingly.

Customers should note:

• Ajman Bank will never request passwords, PINs, or OTPs via SMS or email
• Balance checks should only be performed using official channels
• Suspicious communications must be reported immediately to customer support

Using biometric authentication and avoiding public Wi-Fi networks further enhances account security.

Common Use Cases and Practical Scenarios

In the UAE context, balance checks are often tied to:

• Salary credit verification under the Wage Protection System (WPS)
• Monitoring minimum balance requirements
• Tracking post-transaction availability after transfers or bill payments
• Business cash-flow planning and daily reconciliations

Digital channels provide the fastest visibility, while statements serve as formal financial records.

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FAQs

Can I check my Ajman Bank balance online?

Yes. You can check your balance using Ajman Bank’s mobile app or internet banking portal after completing registration.

Can I check my Ajman Bank balance by SMS?

Yes. Send BAL [space] your 12-digit account number to 7700 from your registered mobile number.

Is Ajman Bank SMS banking available 24/7?

Yes. SMS banking services operate round-the-clock, including public holidays.

Can I check my Ajman Bank balance through WhatsApp?

No. Ajman Bank does not currently support balance inquiries via WhatsApp. Only official banking channels should be used.

Is there a fee for checking my balance?

No. All Ajman Bank balance inquiry methods are free of charge.

Can I get a physical bank statement?

Yes. You can request physical statements through customer service or branch support, delivered monthly.

What should I do if my balance looks incorrect?

You should immediately review recent transactions via digital banking and contact Ajman Bank customer support for clarification.

Conclusion

Checking your Ajman Bank balance in the UAE is a secure, regulated, and fully digitised process, supported by multiple channels to match different user needs. Whether you rely on SMS for quick offline access, mobile apps for real-time financial control, or statements for formal documentation, Ajman Bank ensures continuous visibility into your finances.

By understanding each method’s strengths and limitations, customers can make informed decisions, avoid errors, and maintain financial discipline in line with UAE banking standards. For residents, businesses, and researchers alike, mastering these balance-check options is a small but essential step toward smarter financial management in the Emirates.