Nationality
Open to UAE nationals only.
ADCB Islamic Emirati Millionaire Savings Account
ADCB Islamic Emirati Millionaire Savings Account is for UAE nationals only. It enters you in cash, gold and car draws and declares 0.01% a year profit.
At a glance
Account access
Debit card included.
Exclusively for UAE nationals. ADCB Group employees and their immediate relatives are not eligible for the prize draws.
The Emirati Millionaire Savings Account is the UAE-nationals-only version of ADCB Islamic Banking's prize-draw savings account. It works the same way as the Millionaire Destiny Savings Account, which anyone can open. You keep savings in a Sharia-compliant account with a debit card, and your balance enters you in draws for cash, gold and cars. The profit rate is minimal, so the draws are the point. The opening amount is AED 3,000. New customers can start by sending the SMS code MS to 2626.
Who can open it
Draw eligibility
ADCB Group employees and their immediate relatives cannot open the account or enter the draws.
Fees and balance
The cost of holding this account is ADCB Islamic Banking's relationship fee, one fee covering you as a customer. Three routes take it to zero. The first is a total relationship balance of AED 20,000 or more, counting your accounts, deposits and investments. The second is a salary of AED 15,000 or more credited directly by your employer. The third is a smaller salary together with a credit card or finance from ADCB Islamic Banking. If you transfer a smaller salary and hold neither, the fee is AED 25 a month. If you meet none of these, it is AED 100 a month. Closing the account after 30 days and within six months costs AED 105.
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 Islamic credit card or finance.
Monthly fee
AED 25
Salary transfer under AED 15,000 without an ADCB Islamic credit card or finance.
Monthly fee
AED 100
Every other Aspire customer.
Account closure fee
AED 105
Charged only within 6 months of opening. Waived within 30 days.
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
Profit
How profit works
PayoutQuarterly
Calculated onLowest balance in the month
Declared forQ2 2026
In plain words
- Profit rate
- An Islamic account does not pay interest. It pays you a share of what the bank earns on your money. The profit rate is that share as a yearly percentage of your balance. More on this
- Which balance counts
- The return is worked out on the lowest balance the account held during the month, so a withdrawal lowers the return for that whole month. More on this
- Declared rate
- The bank announces the profit rate for each period after the period ends. The rate shown is the one announced for Q2 2026. More on this
What your money earns here
Held for
1 year
Uses the rate declared for Q2 2026. The amount and the rate stay the same for the whole period, and the profit is paid out, not added to the balance. Try other rates
AED 1
profit over 1 year
0.01%
a year
profit earned over time
Profit is calculated on the lowest balance of each month. The prizes are a grand prize of AED 2,000,000 every six months and AED 1,000,000 every month. A kilogram of gold is drawn each quarter and a car every six months, and ten prizes of AED 10,000 are drawn monthly. Four further monthly prizes of AED 25,000 go to an under-18 customer, a woman, a senior citizen and a family. You need a monthly average balance of AED 5,000 to qualify for the monthly draw.
Benefits
Grand Prize Draw
A grand prize of AED 2,000,000 is drawn every six months.
Monthly Category Prizes
AED 25,000 monthly prizes for under-18s, women, senior citizens and families.
Debit Card
A debit card is issued with the account.
Shariah-compliant
Banking model
How to open
Before you apply
1.Exclusively for UAE nationals. ADCB Group employees and their immediate relatives are not eligible for the prize draws.
2.Debit card included.
Good to know
Good option for
UAE nationals who want a Sharia-compliant savings account with prize draws and can keep AED 5,000 or more in it on average.
Consider another account if
You are not a UAE national, or you want profit instead of prizes. See other Islamic accounts.
Frequently asked questions
Get answers to common questions about the ADCB Islamic Emirati Millionaire Savings Account