Existing account
You need an active Current or Savings Account to link the deposit to.
ADCB Islamic Term Investment Deposit
ADCB Islamic Term Investment Deposit is a Mudaraba deposit from AED 5,000 for 1 to 12 months. Declared profit of 2.25% to 2.5% a year is paid quarterly.
An existing account with ADCB is required, such as ADCB Islamic Current Account.
At a glance
Account access
No debit card included.
An existing account with the bank is required.
The Term Investment Deposit is ADCB Islamic Banking's deposit based on Mudaraba, a profit-sharing partnership. You provide the money and the bank invests it in Sharia-compliant business. Profit is split between you and the bank in a ratio agreed in advance. If there is a loss, it falls on the depositors, while the bank loses the reward for its work. That is a different contract from the bank's Wakala deposits, where the bank is your paid agent. In practice you place AED 5,000 or more for 1, 2, 3, 6 or 12 months, and you need a current or savings account to link it to.
Who can open it
Fees and balance
Minimum deposit
AED 5,000
Profit
Profit is paid quarterly. No profit if liquidated before 30 days. After 1 month, early liquidation profit is calculated at 75% of the defined profit rate for the actual number of days held on a 360-day basis. Profit already paid may be recovered. Partial withdrawal is not permitted.
Available deposit tenures
1 month
Deposit up to AED 250,0002.4%
Deposit above AED 250,000 and up to AED 500,0002.45%
Deposit above AED 500,0002.5%
2 months
Deposit up to AED 250,0002.35%
Deposit above AED 250,000 and up to AED 500,0002.4%
Deposit above AED 500,0002.45%
3 months
Deposit up to AED 250,0002.35%
Deposit above AED 250,000 and up to AED 500,0002.4%
Deposit above AED 500,0002.45%
6 months
Deposit up to AED 250,0002.25%
Deposit above AED 250,000 and up to AED 500,0002.3%
Deposit above AED 500,0002.35%
9 months
12 months
Deposit up to AED 250,0002.4%
Deposit above AED 250,000 and up to AED 500,0002.45%
Deposit above AED 500,0002.5%
Declared for Q2 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
- Tenure
- The length of time you agree to leave the deposit in place. You choose it when you open the deposit, and the rate you get depends on the tenure you pick. 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
Tenure
12 months
Deposit up to AED 250,000.
Uses the rates 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 240
profit over 1 year
2.4%
a year
profit earned over time
Rates on this deposit are declared for a quarter that has passed, not promised ahead. The rates shown were declared for the second quarter of 2026.
Benefits
Quarterly Profit
Profit is declared and paid every quarter.
Four Currencies
Available in dirhams, US dollars, euros and British pounds.
Rates by Deposit Size
Deposits above AED 250,000 and above AED 500,000 carry higher declared rates.
Shariah-compliant
Banking model
How to open
Before you apply
1.An existing account with the bank is required.
2.Minimum deposit: AED 5,000.
3.No debit card included.
Application steps
1.Make sure you hold an active Current or Savings Account.
2.Log in to ADCB Personal Internet Banking.
3.Click Term Investment Deposit in the left navigation bar.
4.Select Open Deposit Account.
5.Complete the online application form, which generates your deposit account number.
Good to know
Good option for
Savers who prefer a profit-sharing deposit, want to start from AED 5,000 and may only want to commit for a month or two.
Consider another account if
You want the rate set out before you commit. A Wakala deposit states an expected profit rate at booking.
Leaving before the term ends
You cannot withdraw part of the deposit. It has to be redeemed in full. Ending it before the term is over needs the consent of ADCB Islamic Banking and carries charges, and the bank may deduct profit already paid from your linked account or from the deposit.
Frequently asked questions
Get answers to common questions about the ADCB Islamic Term Investment Deposit