Residency
UAE resident
ADCB Islamic Super Saver Account
ADCB Islamic Super Saver has an expected profit of 2.25% a year from AED 50,000, plus an expected 3.25% bonus on money new to the bank. Add-on account.
An existing account with ADCB is required, such as ADCB Islamic Current Account.
At a glance
Key facts
Monthly FeeFree to AED 100/month
Minimum SalaryNo minimum salary
Profit PayoutMonthly
Account access
No debit card included.
An existing account with the bank is required.
The ADCB Islamic Super Saver is a Sharia-compliant savings account for existing customers, with two layers of expected profit. The base layer is paid on what you keep in the account. The bonus layer is paid only on money you bring in from outside ADCB. You open it in the mobile app or Personal Internet Banking, fund it by transfer, and hold it in your own name. There is no debit card. Where the ADCB Islamic Active Saver follows your daily balance, the Super Saver uses your average balance across the month, so it rewards money that stays put.
Who can open it
Minimum salary
No minimum
Salary transfer
Not required
Existing account
You must already hold an ADCB or ADCB Islamic Current or Savings Account.
Sole ownership
Cannot be opened as a joint account.
Fees and balance
The Super Saver is not charged for separately. ADCB Islamic Banking's relationship fee applies to you once, as a customer. A holder with the AED 50,000 needed for the main rate is already above the AED 20,000 total relationship balance at which the fee is zero. Below that, a salary of AED 15,000 or more credited directly removes it, as does a smaller salary held with a credit card or finance from ADCB Islamic Banking. If you qualify on none of these, the fee is AED 25 a month with a smaller salary transfer and AED 100 a month without. A closure made between 30 days and six months from opening 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
The bonus applies only to fresh funds transferred from outside ADCB above the March 2026 benchmark, with a monthly average balance from AED 50,000 to AED 20 million. Internal ADCB transfers do not qualify.
How profit works
PayoutMonthly
Calculated onAverage monthly balance
Eligible balanceBelow AED 50,000
- Expected
How profit works
PayoutMonthly
Calculated onAverage monthly balance
Eligible balanceFrom AED 50,000 · Up to AED 20,000,000
- Expected
How profit works
PayoutMonthly
Calculated onAverage monthly balance
Eligible balanceAbove AED 20,000,000
- Expected
How profit works
PayoutMonthly
Calculated onAverage monthly balance
Eligible balanceFrom AED 50,000 · Up to AED 20,000,000
Eligible fundsNew-to-bank funds compared with March 2026
Rate typeAdded to the base rate
- Expected bonus
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
- Balance bands
- The rate changes with how much you hold. Each band is a range of balance with its own rate. 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
- New funds
- Money you add on top of what you already held with the bank. A rate marked for new funds is paid on that added amount only, not on your existing balance. More on this
- Bonus rate
- A rate paid on top of the account's standard rate when you meet its condition. The two are added together for the profit you earn. More on this
What your money earns here
Held for
1 year
Expected.
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 on this balance
profit earned over time
The bonus expected rate is added to the base rate. It is paid only on new-to-bank funds, measured against your balance in March 2026, the benchmark month. The incoming funds must lift your total relationship balance by the same amount. Profit is not guaranteed.
Benefits
Base and Bonus Expected Profit
A base expected rate on the monthly average balance, plus a bonus on new-to-bank funds.
Four Currencies
Available in dirhams, US dollars, British pounds and euros.
Instant Digital Opening
Opened in the ADCB Mobile Banking App or Personal Internet Banking.
Shariah-compliant
Banking model
How to open
Before you apply
1.An existing account with the bank is required.
2.No minimum salary.
3.Salary transfer is not required.
4.No debit card included.
Application steps
1.Make sure you hold an ADCB or ADCB Islamic Current or Savings Account.
2.In the ADCB Mobile Banking App, choose New account under Accounts & Deposits.
3.Select Current/Savings account and confirm.
4.Choose ADCB Islamic Super Saver and set up the account.
5.Transfer in funds from outside the bank if you want the bonus rate to apply.
Good to know
Good option for
Existing customers moving AED 50,000 or more to ADCB from another bank who want a Sharia-compliant account and can leave the money for the month.
Consider another account if
You would hold under AED 50,000, where the expected rate is 0.01%. Compare other Islamic accounts.
If you hold more than one Islamic Super Saver
The balances of all your Islamic Super Saver accounts are added together to measure new-to-bank funds. The bonus is paid into a single account, the oldest Islamic Super Saver you hold.
Frequently asked questions
Get answers to common questions about the ADCB Islamic Super Saver Account