Last Updated on 15 December 2025
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ADIB Ghina Savings Account
Ghina Savings Account
Features
- You can save smartly with Ghina account, and become a millionaire.
- Sharia-compliant Islamic savings account structured under ADIB banking principles
- Expected profit calculated monthly and credited quarterly
- Minimum daily balance of AED 3,000 required to avoid fall-below fees
- Minimum balance of AED 5,000 required for profit eligibility, if any Free ADIB Visa Debit Card (AED only) for ATM withdrawals and retail payments
- First debit card and debit card issued upon expiry are free
- Replacement debit cards are chargeable
- Free automated account statements
- Additional statement requests are chargeable
- No cheque book facility for this savings account
- Standing instructions available for recurring transfers and bill payments
- Access through teller services, mobile banking, internet banking, and SMS banking
- Available for UAE Nationals, UAE Residents, and eligible Non-Residents
- The profit rate varies depending upon the balance of the account.
- There is no monthly fee on this account.
- This account can be opened in AED and USD
Required Documents
- To open an ADIB Ghina Savings Account in the UAE, you will need:
- Original passport (for UAE Nationals, Residents, and Non-Residents)
- Valid Emirates ID (for UAE Nationals and Residents)
- Initial deposit if required under promotional campaigns
- (for example, AED 20,000 for prize draw eligibility)
Main Benefits
- Earn quarterly expected profit through a Sharia-compliant profit-sharing model
- No monthly maintenance fee, subject to maintaining the required minimum balance
- Automatic Takaful protection included at no additional cost
- Easy access to savings via ATMs, debit card, branch teller services, and digital banking
- 24/7 account access through ADIB mobile and online banking platforms
- Ability to automate savings and payments using standing instructions
- Opportunity to participate in ADIB savings prize draws through qualifying deposits
- ADIB Ghina Savings Account Prize Draws & Rewards (Campaign-Based)
- Under selected ADIB promotional campaigns, the Ghina Savings Account may offer prize draw eligibility based on your savings balance.
- One draw entry for every AED 20,000 deposited
- Monthly prizes may include:
- AED 1 million cash prize
- 1 kg of gold
- Cash prizes such as AED 10,000, AED 5,000, and AED 2,000
- Grand prizes may include high-value rewards such as a 1-bedroom apartment
- The number of draw entries increases as your account balance grows. All rewards are subject to campaign terms and conditions published by ADIB.
Frequently Asked Questions
Q. Is ADIB Ghina Savings Account profit guaranteed?
A. No. The profit is expected and not guaranteed. It depends on ADIB’s Sharia-compliant profit-sharing performance.
Q. What is the minimum balance required for ADIB Ghina Savings Account?
A. You must maintain a minimum daily balance of AED 3,000 to avoid fall-below fees.
A balance of AED 5,000 is required to be eligible for profit, if any.
Q. Is ADIB Ghina Savings Account a Sharia-compliant Islamic savings account?
A. Yes. The account is fully Sharia-compliant and operates under Islamic banking principles.
Q. Are account statements free for Ghina Savings Account?
A. Yes. Automated statements are free. Additional or customised statements may be chargeable.
Q. Does ADIB Ghina Savings Account provide a cheque book?
A. No. Cheque book facilities are not available for this savings account.
Q. Can Non-Residents open an ADIB Ghina Savings Account?
A. Yes. Eligible Non-Residents can apply, subject to ADIB’s account opening criteria.
Q. Can I access my Ghina Savings Account digitally?
A. Yes. You can manage your account through ADIB mobile banking, internet banking, and SMS banking, as well as through branch teller services.
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