Last Updated on 15 December 2025
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ADIB Amwali Account
Amwali Account
Features
- Children’s savings account for ages 8–18
- Sharia-compliant account aligned with Islamic banking principles
- Receive money via one-time transfers or scheduled allowances
- Real-time balance tracking and spending visibility
- Dedicated Goal Account to set, track, and manage savings targets
- Child receives a personal ADIB debit card
- Debit card usable for: In-store shopping, Online payments, ATM cash withdrawals
- Debit card compatible with Apple Pay and supported digital wallets
- Parents can view all transactions and merchant activity
- Ability to set daily or monthly spending limits
- Option to block or unblock the debit card instantly
- Ability to enable or disable: Online transactions, ATM withdrawals
- Full parental control via the ADIB mobile banking app
- Entire onboarding and management process completed digitally
- No paperwork or branch visit required
- Supports structured financial education for children
- Designed to prepare children for independent banking at adulthood
Required Documents
- To open an ADIB Amwali Account, you will need:
- Child’s Emirates ID
- Child’s passport
- Child’s UAE visa copy
- W-8 or W-9 form, depending on the child’s tax status
Main Benefits
- Benefits for Children:
- Encourages early saving habits
- Teaches budgeting and responsible spending
- Helps children understand money value and goal-based saving
- Provides limited independence in a controlled environment
- Benefits for Parents: Complete oversight of the child’s financial activity
- Easy allowance transfers (instant or recurring)
- Ability to customise spending permissions at any time
- Manage multiple children’s accounts from a single dashboard
- Benefits for Families: Safe introduction to banking and debit card usage
- Digital-first experience with no branch dependency
- Smooth transition to an adult ADIB account when the child turns 18
- Rewards & Special Offers for Amwali Cardholders: Access to exclusive discounts on: Fashion, Electronics, Gaming, Entertainment, Online shopping platforms
- Partner offers available only to Amwali debit cardholders
- Occasional promotional campaigns, gifts, or lucky draws
- Offers may include discounted memberships with academies, sports centres, or lifestyle partners
- Availability of rewards depends on active ADIB campaigns and terms.
Frequently Asked Questions
Q. What is the ADIB Amwali Account?
A. The ADIB Amwali Account is a children’s savings and spending account for kids aged 8–18, opened and supervised by a parent or legal guardian.
Q. Is the Amwali Account a savings account for children in the UAE?
A. Yes. It combines saving, spending, and goal-based learning, making it suitable as a kids savings account in the UAE.
Q. Can parents control how the Amwali debit card is used?
A. Yes. Parents can set spending limits, block or unblock the card, and enable or disable online or ATM transactions.
Q. What is the Amwali Goal Account?
A. The Goal Account allows children to set saving goals, track progress, and learn disciplined saving habits.
Q. Can parents open Amwali Accounts for multiple children?
A. Yes. Separate Amwali Accounts can be created for each child under the same parent profile.
Q. Is the Amwali Account Sharia-compliant?
A. Yes. The account follows Sharia-compliant Islamic banking principles.
Q. Is a branch visit required to open the Amwali Account?
A. No. The account is opened and managed entirely through the ADIB mobile app.
Q. What happens when the child turns 18?
A. When the child turns 18, they must visit an ADIB branch for verification. The account can then be converted to an adult account in the child’s name.
Q. Does the Amwali Account help with financial education?
A. Yes. The account is designed to support financial literacy, budgeting skills, and saving behaviour from an early age.
ADIB
ADIB is a Public Joint Stock company and is one of the largest banks in the UAE region. Its values include transparency in services, an atmosphere of hospitality and tolerance followed by nature of simplicity and sensibility.
ADIB stands as one of the best banks of UAE by carrying out all the transactions, contracts and services by abiding Ismalic Shari'a principles.
Get in touch with ADIB Customer Care