All banks on the middle east chart are crooks, liars, treat you like dirt. They would not last a week in the civilized world with all their fees (27$ for a copy of monthly statement, 27$ to have a non liability letter) and incompetent clerks. They're all the same, some worst than others. Big avoid on ADCB, avoid Mashreq. Pick a bank that as a branch near your place. Have fun choosing, it's just the beginning!