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ADIB Ghina Salary Account
Ghina Salary Account
Features
- Free Visa debit card for everyday spending and ATM access.
- First cheque book issued free of charge.
- Shariʿa-compliant account based on the Mudaraba profit-sharing structure.
- Profits calculated monthly and credited quarterly.
- Full access to ADIB digital banking: mobile app, online banking, telephone banking, SMS banking, and chat banking.
- Ability to set up standing instructions for automated bill payments and transfers.
- Eligibility to participate in ADIB Ghina prize draws when maintaining the qualifying balance.
- Smooth salary transfer feature designed for UAE-based employees.
Main Benefits
- Monthly salary must be transferred to the account to maintain its status.
- Combines daily banking convenience with profit-earning potential.
- Shariʿa-compliant profit-sharing structure, ideal for customers seeking Islamic banking solutions.
- Free debit card and first cheque book reduce initial banking costs.
- Opportunity to participate in attractive Ghina prize draws by maintaining qualifying balances.
- Digital banking ecosystem ensures 24/7 access and complete financial control on the go.
- Structured to encourage smarter saving habits while enjoying seamless salary banking services.
Frequently Asked Questions
Q. Who can open the Ghina Salary Account?
A. Anyone with a valid passport, Emirates ID, and a minimum monthly salary of AED 8,000 that is transferred directly to the account.
Q. Do I receive a debit card and cheque book?
A. Yes. A free debit card and a complimentary first cheque book are provided.
Q. How are profits earned?
A. Profits are calculated on a monthly basis under the Mudaraba structure and credited quarterly.
Q. Is there a minimum balance required
A. For prize draw eligibility, an average monthly balance of AED 20,000 is typically required. Salary account functionality continues as long as salary transfers meet the minimum requirement.
Q. How does the Ghina prize draw work?
A. By maintaining or increasing your account balance, you earn entries into periodic prize draws. The more you save, the more entries you receive, increasing your chances of winning.
Q. Is the account Shariʿa-compliant?
A. Yes. The account operates under Islamic banking principles through a Mudaraba profit-sharing arrangement.
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