Last Updated on 17 November 2025
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ADIB Savings Account
Savings Account
Features
- Shari'a-Compliant: The account is fully based on the Islamic principle of Mudaraba, ensuring your funds are managed ethically.
- Profit Earning: You earn quarterly profits on your savings based on the performance of ADIB's investment pool.
- Choice of Currency: You can choose to maintain your account in multiple major currencies, including AED, US Dollar, and GBP, offering excellent flexibility.
- Digital Access: Enjoy 24/7 access to your account through ADIB's Mobile App, Internet Banking, and Telephone Banking services.
- Debit Card: The account comes with a Visa debit card for convenient access to your funds, although the card itself facilitates transactions in AED only.
- Monthly Maintenance Fee: If the average balance falls below AED 3,000 during a month, a non-maintenance fee of AED 25 (plus VAT) will be applied..
- Account Closure: A fee of AED 100 (plus VAT) is charged if the account is closed within one year of opening.
- This account can be opened in AED, USD, GBR and EUR.
- Minimum Balance Requirement: To avoid charges, you must maintain a minimum monthly average balance of AED 3,000.
Required Documents
- To open an ADIB Savings Account, you will need to provide the following valid documents:
- Original Emirates ID (for all applicants)
- Passport with residence visa page (for expatriates)
- The bank may request additional documents, such as a salary certificate, depending on the applicant's profile.
Main Benefits
- Ethical Savings Growth: Grow your money with confidence, knowing it is invested in a way that aligns with Shari'a principles.
- Potential for Higher Returns: As your profit is tied to the bank's investment performance, you have the potential to earn competitive returns on your savings.
- Multi-Currency Flexibility: The ability to hold funds in AED, USD, and GBP makes this an ideal savings account in the UAE for managing international finances.
- Easy Access to Your Funds: While your money grows, you still have the flexibility to access it whenever you need through a wide network of ATMs and digital channels.
Frequently Asked Questions
Q. What is the profit rate for the ADIB Savings Account?
A. The profit on an ADIB Savings Account is not a fixed rate. It is based on the performance of the bank's Mudaraba pool. The expected profit rates are announced by the bank, and the final profit is calculated on your monthly average balance and distributed to your account quarterly.
Q. Can I open this ADIB savings account in different currencies?
A. Yes, a key benefit of this account is the option to hold your funds in AED, US Dollars, or GBP, making it suitable for international savings needs.
Q. How is this different from a conventional savings account?
A. A conventional savings account pays interest, which is forbidden under Shari'a law. The ADIB Savings Account generates profit by investing your money in ethical, Shari'a-approved assets, and you, as the depositor, share in those profits.
Q. Can I get a debit card and cheque book with this account?
A. This ADIB savings account comes with a free Visa debit card for easy access to your money. It's important to note that the card is for use in AED currency only. A cheque book is not issued for this type of account.
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