Last Updated on 15 December 2025
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ADIB Short Term Investment Account
Short Term Investment Account
Features
- Short-term Shari’a-compliant investment account based on the Mudaraba principle
- Minimum investment of AED 10,000 required to open the account
- Daily access to funds with no lock-in or fixed tenure
- Expected profits calculated daily and credited monthly
- No fall-below balance fees, even if the account balance reaches zero
- Supports foreign currency remittances in USD and GBP
- Standing instructions available for: Routine bill payments, Fund transfers, Donations and recurring contributions
- Quarterly account statements issued via postal mail
- Suitable for customers seeking flexible Islamic investment options
- The profit rate varies depending upon the balance of the account.
- There is no monthly fee on this account.
- This account can only be opened in AED..
- You require a minimum balance of AED 10000 to maintain this account.
Required Documents
- To open an ADIB Short Term Investment Account, you will need:
- Original passport (for UAE Nationals and Residents)
- Valid Emirates ID (for UAE Nationals and Residents)
- Minimum opening balance of AED 10,000
- For joint accounts, all applicants must provide original documents
- Document requirements are subject to ADIB’s account opening policies.
Main Benefits
- Higher expected profit potential compared to a standard savings account
- Transparent profit calculation with daily accrual and monthly crediting
- Full liquidity, allowing you to access your funds at any time
- Ideal for short-term savings, surplus funds, or emergency reserves
- Automated standing instructions reduce the risk of missed payments
- No fall-below fees, providing flexibility during fluctuating cash flow
- Fully Shari’a-compliant investment structure aligned with Islamic banking principles
- Regular quarterly statements to track account activity and profit earnings
Frequently Asked Questions
Q. What is the ADIB Short Term Investment Account?
A. It is a Shari’a-compliant investment account that allows you to earn expected profits while maintaining daily access to your funds.
Q. What is the minimum investment required?
A. A minimum amount of AED 10,000 is required to open the account.
Q. How are profits calculated and paid?
A. Profits are calculated daily and credited monthly, based on ADIB’s Mudaraba profit-sharing performance.
Q. Can I withdraw my money at any time?
A. Yes. The account offers full daily access with no lock-in period.
Q. Are there any fall-below balance fees?
A. No. The account does not charge fall-below fees, even if the balance reaches zero.
Q. Is the ADIB Short Term Investment Account Shari’a-compliant?
A. Yes. The account operates under the Mudaraba (profit-sharing) principle, in line with Islamic banking guidelines.
Q. Does the account support foreign currency transfers?
A. Yes. The account supports foreign currency remittances in USD and GBP, subject to applicable charges.
Q. How often will I receive account statements?
A. Account statements are issued quarterly via postal mail.
Q. Who can open this account?
A. UAE Nationals and Residents can apply, subject to ADIB’s eligibility and documentation requirements.
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