Last Updated on 15 December 2025
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ADIB Smart Banking Account
This product is discontinued by the Bank
Smart Banking Account
Features
- Make this your salary account and unlock additional rewards and benefits offered to salary-transfer customers.
- Your balance earns profit based on the Islamic Mudarabah principle, calculated monthly on your average daily balance.
- Access exclusive lifestyle offers, shopping discounts, dining deals, and more through ADIB’s SmartDeals platform.
- Enjoy one free domestic or international money transfer every month.
- Open and manage the Smart Account entirely online through the ADIB Mobile Banking App—no branch visit required.
- Salary transfer eligibility with added rewards.
- Monthly profit earned on account balance.
- Access to 1,500+ SmartDeals discounts.
- One free domestic or international transfer per month.
- Fully digital account opening and management.
- Available in AED, USD, EUR, and GBP.
- Designed for personal use only.
- No fees and charges on non-maintenance of minimum balance
- Earn profit on each and every dirham in the account
Required Documents
- Valid passport
- Valid Emirates ID
- Valid UAE residence visa (for expatriates)
- Salary certificate or proof of income (if applicable)
- Minimum age 18 years
- Must have a valid UAE residence visa (unless UAE national)
- Account is for personal use only
- Suitable for salaried individuals, self-employed customers, dependents, and students
Main Benefits
- Transfer your salary and unlock rewards.
- Earn monthly profit on your account balance.
- Access over 1,500 SmartDeals offers and discounts.
- One free domestic or international money transfer per month.
- Fully digital account opening and management via ADIB app.
- Available in multiple currencies: AED, USD, EUR, GBP.
- Designed for personal use, suitable for salaried, self-employed, students, and dependents.
- Safe and Sharia-compliant banking under Islamic principles.
- Monthly profit is calculated on the average daily balance, helping you maximize returns
Frequently Asked Questions
Q. What is the ADIB Smart Account?
A. A Sharia-compliant savings account that earns monthly profit, offers discounts, and allows easy transfers.
Q. Can I open the account online?
A. Yes, it can be opened and managed fully via the ADIB Mobile App or website.
Q. Is there a minimum balance?
A. No, the account has no minimum balance requirement.
Q. Who is eligible?
A. Individuals 18 years or older, including salaried, self-employed, students, dependents, and UAE nationals.
Q. Is it for personal or business use?
A. The account is strictly for personal use.
Q. How is profit calculated?
A. Profit is calculated monthly on the average daily balance.
Q. Are transfers free?
A. One domestic or international transfer per month is free.
Q. Are there fees?
A. Basic use is free; some services (e.g., card replacement, duplicate statements) may incur charges.
Q. Can I get a chequebook?
A. Yes, subject to eligibility criteria.
Q. Which currency is supported?
A. AED (UAE Dirham).
Q. Is it currently available for new customers?
A. No, it is currently not available for new customers.
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
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