Minimum salary
No minimum
ADCB Islamic Millionaire Destiny Savings Account
ADCB Islamic Millionaire Destiny is a savings account built around prize draws, including AED 1,000,000 monthly. Profit is declared at 0.01% a year.
At a glance
Key facts
Monthly Fee
Free to AED 100/month
Minimum SalaryNo minimum salary
Profit PayoutQuarterly
Account access
Debit card included.
ADCB Group employees and their immediate relatives are not eligible for the prize draws.
The Millionaire Destiny Savings Account from ADCB Islamic Banking is a savings account where the main attraction is the prize draws, not the profit rate. Money you hold in it gives you a place in regular draws for cash, gold and cars. It is still a real savings account: Sharia-compliant, with a debit card, open to everyone, and with an opening amount of AED 3,000. The declared profit on it is very low, so treat the draws as the return. If you would rather have a steady profit than a chance at a prize, the ADCB Islamic Savings Account declares a higher rate.
Who can open it
Salary transfer
Not required
Draw eligibility
ADCB Group employees and their immediate relatives cannot open the account or enter the draws.
Balance for the monthly draw
A monthly average balance of AED 5,000 is needed to qualify.
Fees and balance
Which fee applies depends on whether this is your only ADCB product. If it is, a fall-below fee applies: ADCB Islamic Banking charges AED 25 in a month when your average balance in the account is under AED 3,000. Keep the average at AED 3,000 or more and that month is free. If you hold other ADCB products, the fall-below fee is replaced by the relationship fee, which is set once for you as a customer. That fee is zero with a total relationship balance of AED 20,000 or more, with a directly credited salary of AED 15,000 or more, or with a smaller salary plus a credit card or finance from ADCB Islamic Banking. It is AED 25 or AED 100 a month in other cases.
Monthly fall-below fee
AED 25
How to avoid the monthly fee Meet any one of these conditions.
- Keep a balanceAverage monthly balance of AED 3,000 or more
- Other exemptionsOnly when the account is held as a standalone product; otherwise the relationship fee applies
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.
In plain words
- Fall-below fee
- A monthly charge for holding less than the balance the bank asks for. Here it is AED 25, charged in a month when your average balance for the month is under AED 3,000. The average is taken over every day of the month, so a few low days do not trigger the fee on their own. It is not charged in a month when you stay at or above that amount. More on this
- 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 monthly on the minimum balance, the lowest your balance fell in the month. It is not guaranteed. The draws run alongside: a grand prize of AED 2,000,000 every six months, AED 1,000,000 every month, a kilogram of gold every quarter, a car every six months, and ten prizes of AED 10,000 every month. There are also four monthly prizes of AED 25,000, one each for customers under 18, women, senior citizens and families.
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.ADCB Group employees and their immediate relatives are not eligible for the prize draws.
2.No minimum salary.
3.Salary transfer is not required.
4.Debit card included.
Application steps
1.Download the ADCB Hayyak app.
2.Enter your details and the one-time passcode.
3.Select Save and Transact, then Islamic, and tap Proceed.
4.Under Accounts, select Millionaire Destiny Savings Account and follow the instructions.
Good to know
Good option for
Savers who like the idea of prize draws and can keep a monthly average of AED 5,000 or more in the account to stay in the monthly draw.
Consider another account if
You want your savings to grow at a known pace. The declared rate here is lower than on the standard ADCB Islamic Savings Account.
Who cannot take part
Employees of the ADCB Group and their immediate relatives are not eligible. That covers parents, grandparents, brothers, sisters, spouses, sons and daughters. They may not open this account or take part in its draws.
Frequently asked questions
Get answers to common questions about the ADCB Islamic Millionaire Destiny Savings Account