Open a Zero Balance Account instantly

  • No Minimum Balance
  • Free Debit Card
  • Attractive Profit Rates
  • 1500+ Offers & Discounts
  • Win Mini Cooper
  • Open Account Online in less than 10 minutes

Start SmartBanking

Fast Secure Convenient 24*7

SmartBanking Benefits & Features

  • Earn Smart Bonus

    Signup to the moneysmart community and earn an unlimited bonus on active participation

  • Rewards on Salary Transfer

    Transfer your salary to the SmartBanking account & get a chance to win Mini Cooper

  • Enjoy Smart Deals

    Avail 1500+ offers & discounts on your dining, shopping and much more

  • Transfer funds for FREE

    Transfer your fund for FREE once in a month (Domestic & International)

  • Earn Profits

    Earn profit on each and every dirham in the account

  • FREE Debit Card

    Get the FREE Debit Card delivered at your doorstep

Win a Mini Cooper

Win a Mini Cooper on transferring your salary to the ADIB Smart Account. #Bemoneysmart

You can increase the chances of your winning Mini Cooper by maintaining an average monthly balance of AED 1000. You can also win AED 300 Visa Gift Cards

Winners of Mini Cooper:

02/2019    -    Rinku Vince

06/2019    -    Omar Hawilo

09/2019    -    Haitham Qudaih

02/2020    -    Mohamed Ruzky

Smart Deals

Enjoy Smart Deals!! Avail Buy 1 - Get 1 free and 1500+ deals on



Amusement Parks

Salons & Spa



How to Earn Smart Bonus?

Be part of the moneysmart community and earn Smart Bonus. Give product reviews, suggest new products, give Smart tips, share your personal finance knowledge and earn unlimited rewards/ bonuses.

Be part of the moneysmart community and earn Smart Bonus.

  • Ask a finance questionAED 0.50
  • Create an expertAED 0.25
  • Rate an expertAED 0.25
  • Rate a productAED 0.50
  • Salary transferAED 5
  • Create a saving tipAED 0.50
  • Review an expertAED 0.25
  • Create a productAED 0.50
  • Anniversary bonusAED 20
  • Invite a friendAED 20

How does SmartBanking Account work?

ADIB SmartBanking account is the world’s FIRST Islamic Digital Banking account

Open An Account

Get the FREE Debit Card delivered at your doorstep

Take part in the Moneysmart community and Earn SmartBonus

Enjoy Deals and Discounts on the Smartdeals App

Enjoy Simple and Rewardful Banking

Customer Speaks

Frequently Asked Questions

Q.    Are bank statements required?

A.    Yes, bank statements of minimum 3 months are required and for self-employed 6 months statements are required.

Q.    Does the smart bonus earned have validity?

A.    Yes. The smart bonus earned is valid for 1 year from the date of activation. However, the account holder will be sent an mail if the bonus is going to expire

Q.    Can I maintain a joint account?

A.    No. SmartBanking account can’t be maintained as a Joint account

Q.    Is this a multi-currency account?

A.    No. It is not a multi-currency account. It can be accessed only in AED.

Q.    Are non-residents of UAE are eligible?

A.    No. Only UAE residents are eligible

Q.    Are there any charges to deliver the Debit Card at home?

A.    No. The welcome kit which has the debit card will be delivered at your preferred location for FREE.