Introduction

Access to secure and convenient cash withdrawal is essential for residents, workers, and visitors throughout the UAE. In the small but rapidly developing emirate of Umm Al Quwain, having a clear understanding of where to find reliable ATMs in Umm Al Quwain can save you time, reduce stress, and ensure uninterrupted access to your funds. This comprehensive 2025 guide explores the most reliable ATM locations, availability details, tips for using machines safely, and proximity to other key services.

In this article, you will find not only the most used ATM options in Umm Al Quwain, but also insights on their surroundings, banking support, and recommendations based on verified listings as of 2025.

1. 🏧 Central ATM at Al Raas – Core Urban Location

One of the most accessible ATMs in Umm Al Quwain is located centrally in the Al Raas area, close to residential and commercial zones. ATM This ATM serves as a frequently visited point due to its proximity to shops, offices, and transit points.

Availability:

• Regular cash withdrawal access (check onsite signage).

• Best used during daylight hours for convenience and safety.

Ideal for: Quick cash access near major community points and local stores.

Use Tip: Combine this stop with your routine grocery or errands in Al Raas to save time.

2. 🏦 Reliable Withdrawals at FAB ATM (Sheikh Khalifa General Hospital)

ATMs in Umm Al Quwain include the well‑rated First Abu Dhabi Bank (FAB) ATM | Sheikh Khalifa General Hospital near Sheikh Khalifa General Hospital. This location attracts users who need convenient access during hospital visits or in the Al Salmah district. Waze

Availability:

• 24/7 access in a reputed bank ATM site.

• Situated next to a major healthcare facility.

Ideal for: Anyone visiting the hospital area, local residents, and commuters.

Use Tip: Night‑time is generally safe here due to the hospital’s round‑the‑clock environment.

3. 🏙️ Emirates NBD ATMs – Multiple Locations Across UAQ

For widespread access to cash, ATMs in Umm Al Quwain from Emirates NBD are found in several busy zones:

• Emirates NBD ATM & CDM (Mall of UAQ) – inside Mall of UAQ on King Faisal Street — ideal for shopping and errands.

• Emirates NBD ATM & CDM (Union Coop UAQ) – located near Union Coop on Al Waha Street — convenient for daily shoppers.

• Emirates NBD ATM (King Faisal St) – a street‑side machine near central retail.

Availability:

• Most ATMs operate extended opening hours tied to the shopping destinations around them.

• Some ATMs support card deposit if marked CDM (Cash Deposit Machine).

Ideal for: Frequent cash users, shoppers, and community residents.

Use Tip: Check Mall of UAQ opening times, as some ATMs align with mall hours.

4. 🕌 ADIB – Abu Dhabi Islamic Bank ATMs in Strategic Spots

Several of the top ATMs in Umm Al Quwain are operated by Abu Dhabi Islamic Bank (ADIB). These machines are known for their accessibility and frequent use by local customers:

• Abu Dhabi Islamic Bank (ADIB) ATM at Emarat Station – near a fuel station on Al Ittihad Street.

• Abu Dhabi Islamic Bank (ADIB) ATM at Carrefour Express – in the Al Butain area near Carrefour Express.

Availability:

• Both operate 24/7 for cash withdrawals.

• Good options if you are on the go and need flexible access.

Ideal for: Motorists, commuters, and shoppers alike who need cash access at any hour.

Use Tip: These ATMs are especially useful for drivers due to easy access from main roads.

5. 🛍️ ADCB Cash & Cheque Deposit and ATM Services

Among the ATMs in Umm Al Quwain, ADCB provides machines that also support cash and cheque deposits in some locations:

• ADCB Cash & Cheque Deposit ATM – Mall of UAQ – inside Mall of UAQ.

• ADCB ATM – Lulu Hypermarket (Al Raas 2) – near Lulu Hypermarket, a popular retail destination.

• ADCB Cash & Cheque Deposit ATM – Carrefour – next to Carrefour on King Faisal St.

Availability:

• Typically available during mall and hypermarket operating hours.

Ideal for: Combined bank transactions and shopping trips.

Use Tip: If you need to deposit cheques, these ADCB ATMs are a convenient choice.

6. 💱 Emirates Islamic ATM – Al Reqqah Area

For residents near Al Reqqah, one of the functional ATMs in Umm Al Quwain is:

• Emirates Islamic ATM & CDM

Availability and Services:

• Cash withdrawals are widely available.

• Often located near community hubs and retail outlets, though machine hours may vary.

Ideal for: Local neighbourhood cash access and Islamic banking users.

Use Tip: Check signage for specific machine hours if you plan visits outside standard times.

7. 🛒 Retail‑Linked and Other ATM Spots

Beyond bank‑specific machines, several ATMs in Umm Al Quwain are inside or near retail hubs and everyday service areas, including:

• ATM, DIB | Lulu Hypermarket – roadside ATM near Lulu Hypermarket.

• ATM, DIB | Tasheel office – near Tasheel government service center.

• ATM, DIB | Safeer Hypermarket – inside Safeer Hypermarket.

These machines provide flexible access for shoppers and visitors to government offices alike.

Ideal for: Daily errands, family shopping days, and government service visits.

8. 💡 Safety and Cash Access Tips for 2025

When using ATMs in Umm Al Quwain, consider these practical points to ensure a smooth experience:

🔹 Security First

Choose machines in well‑lit, busy areas — near malls, hospitals, or petrol stations.

🔹 Check Your Card and Fees

Some ATMs may charge withdrawal fees for cards issued outside the bank’s network — check before you withdraw.

🔹 Keep Receipts for Records

Retain transaction slips if your bank requires them for records or dispute resolution.

🔹 Emergency Access Options

If one ATM is temporarily down, nearby alternatives like those at malls or major supermarkets can save time.

Conclusion

As of 2025, ATMs in Umm Al Quwain are strategically placed across the emirate — from central retail zones and supermarkets to petrol stations and hospital surroundings. Whether you need basic cash withdrawals, combined deposit services, or extended‑hour access, you can find a dependable machine that suits your daily routine.

Summary of key ATM clusters:

• Central Al Raas and King Faisal Street for quick daily access.

• Malls and hypermarkets for extended hours and combined services.

• Hospital and petrol station ATMs for 24/7 reliability.

Using this updated guide, you can easily plan your cash access points and avoid waiting or inconvenience. Always prioritize safety, check localized hours if available, and make use of multiple machines to secure the best convenience from ATMs in Umm Al Quwain in 2025.

Also Read: Vibrant & Hopeful Snapshot of the life of Umm Al Quwain

Image Credits: The featured image has been taken from HiDubai

ATMs in Umm Al Quwain

Ultimate & Reliable Guide for Top ATMs in Umm Al Quwain: Locations, Availability and Tips (2025)