Last Updated on 15 December 2025
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ADIB Electron Account
Electron Account
Features
- Free unlimited teller transactions at all ADIB branches.
- Free ADIB Visa Debit Card for ATM withdrawals, POS purchases, fund transfers, and bill payments.
- Access to 24-hour banking services including mobile banking, internet banking, telephone banking, and SMS banking.
- Monthly e-statements sent to your registered email at no cost.
- Option to receive paper statements via postal mail.
- Ability to set up standing instructions for recurring payments.
- Fully Shari’a-compliant and operates on the Qard Hasan principle.
- Suitable for individuals new to the UAE or those whose residency process is still ongoing.
Required Documents
- Original Passport (for UAE nationals and residents).
- Valid Emirates ID (for UAE nationals and residents).
- For joint accounts: all applicants must be present and provide their original passports.
- Salary declaration on the account opening form (typically AED 5,000 or more).
- In some cases, a minimum initial deposit may be required when salary transfer is not used.
Main Benefits
- Easy account opening for individuals whose UAE residency is under process.
- A simple demand-deposit account that provides essential banking services without complexity.
- Free debit card with widespread ATM and merchant access.
- Convenient digital banking channels for quick, on-the-go account management.
- Regular e-statements help you monitor your finances effortlessly.
- Reliable Shari’a-compliant structure for customers who prefer Islamic banking practices.
- Free teller transactions reduce day-to-day banking costs.
Frequently Asked Questions
Q. Who is the Electron Account ideal for?
A. It is best suited for individuals who are new to the UAE, especially those whose UAE residency is still under processing.
Q. Is this account Shari’a-compliant?
A. Yes. The account is structured on the Qard Hasan principle, ensuring full compliance with Islamic banking guidelines.
Q. Do I need to transfer my salary to open this account?
A. Salary transfer is not mandatory. However, an initial deposit may be required if you do not use salary transfer.
Q. Are there maintenance or hidden charges?
A. Most essential services such as teller transactions, debit card issuance, and e-statements are free. Charges may apply if minimum balance requirements are not met.
Q. What banking channels are available with this account?
A. You can access your account via mobile banking, internet banking, phone banking, SMS banking, ATMs, and branch teller services.
Q. What documents are required to open an ADIB Electron Account?
A. You need your original passport, Emirates ID, and a salary declaration. For joint accounts, all applicants must be present.
Q. Can I set up automatic or recurring payments?
A. Yes. You can set up standing instructions for recurring payments such as utility bills or regular transfers.
Q. What type of debit card do I receive?
A. You receive a free ADIB Visa Debit Card, usable locally and internationally.
Q. Will I receive monthly statements?
A. Yes. Monthly e-statements are provided free of charge to your registered email address.
Q. Is there a minimum salary requirement?
A. Yes. A monthly salary declaration of AED 5,000 or more is typically required at the time of account opening.
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