Last Updated on 15 December 2025
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ADIB Student Account
Student Account
Features
- Student savings account in AED for UAE nationals and residents aged 13 years and above.
- No minimum balance requirement and no fall-below charges on your student account.
- Free ISIC prepaid card that also acts as your international student identity card.
- ISIC card usage in 130+ countries, compatible with Apple Pay for digital wallet payments.
- Free cash deposits and withdrawals at 500+ ADIB ATMs in the UAE. Unlimited free cash withdrawals and free teller services at ADIB branches.
- Expected quarterly profits on your savings (calculated monthly, paid quarterly) in line with Islamic banking.
- 24/7 ADIB digital banking access via mobile app, online banking, telephone banking, SMS, and chat banking.
- No minimum balance and no fall-below fee on the ADIB Student Savings Account.
- Free cash withdrawals at 500+ ADIB ATMs within the UAE for this student account.
- Free cash deposits at ADIB ATMs for your student savings account. Free teller transactions for standard cash deposits and withdrawals at ADIB branches.
- Other fees such as replacement card fees, international ATM fees, and foreign currency mark-ups apply as per ADIB’s schedule of charges, which you should confirm directly with the bank.
- There is no monthly fee on this account.
Required Documents
- Students aged 13 years and above, UAE nationals and UAE residents, can apply for the ADIB Student Savings Account.
- If you are under 18, a parent or legal guardian will need to be involved in the account opening process.
- Required documents typically include:
- Valid passport copy (guardian’s passport if under 18).
- Emirates ID copy (guardian’s Emirates ID if under 18).
- School ID card or official proof of student status from your school or university.
- One recent passport-size photograph, as per ADIB onboarding requirements.
Main Benefits
- You can manage your student finances with a zero minimum balance account and avoid fall-below fees, which suits variable student income and allowances.
- You get a free ISIC prepaid card that works as a student card, payment card, and global discount card for student offers.
- You benefit from global card acceptance in 130+ countries, plus Apple Pay compatibility for convenient contactless payments in-store and online.
- You save on everyday banking costs with free ATM withdrawals, free cash deposits, and free teller services at ADIB branches across the UAE.
- Your savings can earn expected profits under a Shari’ah-compliant structure, giving you a student Islamic savings account option.
- You can handle transfers, card loads, and balance inquiries anytime through ADIB mobile banking, online banking, and other digital channels.
- You can access your student savings account through ADIB Mobile Banking and ADIB Online Banking to view balances, transfer funds, and manage the ISIC prepaid card.
- You can load money from your ADIB account to your ISIC prepaid card easily via digital channels or at branches, subject to card load limits.
- You have 24/7 access to your account through mobile app, internet banking, phone banking, SMS banking, and chat banking for key services.
Frequently Asked Questions
Q. Who can open the ADIB Student Savings Account in the UAE?
A. Students aged 13 years and above, whether UAE nationals or UAE residents, can open this Shari’ah-compliant student savings account, with guardian participation required for minors under 18.
Q. Is there any minimum balance or fall-below fee on the student account?
A. No, there is no minimum balance requirement and no fall-below fee, so you can maintain low or zero balances without extra charges on your student bank account.
Q. Do you get a debit or prepaid card with this student account?
A. You receive a free ISIC prepaid card that doubles as an international student ID card, which you can use for everyday spending, online purchases, and student discounts.
Q. Is the ISIC prepaid card accepted internationally and on Apple Pay?
A. Yes, the ISIC card is accepted in over 130 countries and is compatible with Apple Pay, allowing you to use it for contactless and mobile wallet payments where Apple Pay is available.
Q. How can you withdraw and deposit cash with the student savings account?
A. You can withdraw and deposit cash for free at more than 500 ADIB ATMs in the UAE and use free teller services at ADIB branches for cash transactions on your student account.
Q. Does the ADIB Student Savings Account earn profit?
A. Yes, the account offers expected profit that is calculated monthly on your pooled balance and credited quarterly, in line with Shari’ah-compliant Islamic banking principles; the profit rate is determined by ADIB and may change.
Q. How do you manage the account through ADIB digital banking?
A. You can manage your account 24/7 via the ADIB mobile banking app, online banking portal, telephone banking, SMS, and chat banking to check balances, move funds, and control your ISIC prepaid card.
Q. How do you load the ISIC prepaid card from your ADIB student account?
A. You can load funds from your ADIB Student Savings Account to the ISIC card using mobile or online banking or at an ADIB branch, subject to daily and monthly load limits and any applicable transaction controls.
Q. What is the account currency for the ADIB Student Savings Account?
A. The ADIB Student Savings Account is generally opened in UAE dirhams (AED); you should confirm any multi-currency options directly with ADIB before opening the account.
Q. Can parents or guardians monitor the student account?
A. If the student is under 18, a parent or legal guardian will be part of the account relationship and can access statements and monitor transactions as per the account mandate.
Q. Are there limits on ATM withdrawals or prepaid card usage?
A. Yes, daily withdrawal and spending limits apply on the ISIC prepaid card and ATM withdrawals, in line with ADIB’s internal limits and risk policies; you can check the exact limits with the bank or in your account documentation.
Q. Can the ISIC prepaid card be used for online purchases?
A. Yes, you can generally use the ISIC prepaid card for e-commerce purchases at websites that accept the underlying card scheme, subject to 3D Secure or similar verification where applicable.
Q. How are profits on the Student Savings Account calculated and paid?
A. Profits are usually calculated on the average or end-of-month balance and credited to your account on a quarterly basis, following Shari’ah-compliant profit distribution mechanisms; the applicable profit rate and method are set by ADIB and may change.
Q. What happens if the student turns 18?
A. When you reach 18, ADIB may allow you to maintain the Student Savings Account or migrate to another account type, subject to updated KYC (Know Your Customer) requirements and revised account terms.
Q. Can you close the ADIB Student Savings Account at any time?
A. Yes, you can usually request to close the account at any time by visiting an ADIB branch or using the channels allowed by the bank, after clearing any outstanding transactions or card balances.
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