Minimum salary
No minimum
ADCB Call Account
ADCB Call Account pays 0.1% a year on your average monthly balance, credited monthly. It opens with AED 5,000 and has no debit card or cheque book.
At a glance
Key facts
Monthly FeeFree to AED 100/month
Minimum SalaryNo minimum salary
Interest PayoutMonthly
A call account is a holding account. Money sits in it, earns a little interest, and can be called back whenever you need it. The ADCB Call Account has no debit card and no cheque book, so you move money in and out by transfer. That is the main difference from the ADCB Savings Account, which carries a debit card. The call account also pays its interest every month instead of twice a year, and it is offered in major foreign currencies as well as dirhams. The opening amount is AED 5,000.
Who can open it
Salary transfer
Not required
Fees and balance
You do not pay a charge for the call account itself. ADCB applies one relationship fee per customer, decided by what you hold across the bank. The monthly average balance of your call account is part of the total relationship balance, together with current and savings accounts, fixed deposits and investments. Reach AED 20,000 in total and the fee is zero. A salary of AED 15,000 or more credited directly by your employer has the same effect. With a smaller salary transfer and no ADCB credit card, overdraft or loan, the fee is AED 25 a month, and for remaining Aspire customers it is AED 100.
Minimum opening amount
AED 5,000
Monthly fee
Free
Total relationship balance of AED 20,000 or more, a salary transfer of AED 15,000 or more, or a smaller salary transfer with an ADCB credit card, overdraft or loan.
Monthly fee
AED 25
Salary transfer under AED 15,000 without an ADCB credit card, overdraft or loan.
In plain words
- Fee levels
- The monthly fee has more than one level. The condition you meet decides which one applies, and you pay that one level only, never the levels added together. More on this
- Account closure fee
- A one-off charge of AED 105 for closing the account within 6 months of opening it. Closing it later costs nothing. Closing within the first 30 days carries no charge either. More on this
Interest
How interest works
PayoutMonthly
Calculated onAverage monthly balance
In plain words
- Annual rate
- The rate is quoted for a full year. Money held for part of a year earns the matching part of it. More on this
- Which balance counts
- The return is worked out on your average balance across the month, so money held for only part of the month counts in proportion. More on this
What your money earns here
Held for
1 year
The amount and the rate stay the same for the whole period, and the interest is paid out, not added to the balance. Try other rates
AED 10
interest over 1 year
0.1%
a year
interest earned over time
ADCB averages what the account held across the month, so a short dip matters less here than on an account that uses the lowest balance. A month in which less than AED 15 of interest builds up on a dirham account pays nothing, and the account must still be open on the payout date.
Benefits
Major Currencies
Call accounts are available in dirhams, US dollars and other major currencies.
Free E-Statements
Statements within the statement cycle are free.
How to open
Before you apply
1.No minimum salary.
2.Salary transfer is not required.
3.Minimum opening amount: AED 5,000.
4.No debit card included.
Good to know
Good option for
Parking money you may need at short notice when you do not need a card on the account, including balances held in a major foreign currency.
Consider another account if
You want to spend directly from the account or earn a meaningful return. A fixed deposit pays more in exchange for locking the money in.
Frequently asked questions
Get answers to common questions about the ADCB Call Account