Residency
UAE resident
ADCB Super Saver Account
ADCB Super Saver pays 2.25% a year on a monthly average balance from AED 50,000, plus a 3.25% bonus on new money brought to ADCB. Existing customers only.
An existing account with ADCB is required, such as ADCB Current Account.
At a glance
Key facts
Monthly FeeFree to AED 100/month
Minimum SalaryNo minimum salary
Interest PayoutMonthly
Account access
No debit card included.
An existing account with the bank is required.
The ADCB Super Saver is an add-on savings account for people who already bank with ADCB. It pays two kinds of interest. A base rate applies to what you keep in the account, and a bonus rate applies only to money that is new to ADCB. There is no debit card or cheque book. You fund it by transfer and open it in the mobile app or Personal Internet Banking. It is in your name only and is for UAE residents. Compared with the Active Saver, which reads your balance daily, the Super Saver works from your average balance over the month.
Who can open it
Minimum salary
No minimum
Salary transfer
Not required
Existing ADCB account
You must already hold an ADCB Current or Savings Account.
Adults only, sole ownership
Applicants must have reached the age of majority. No joint accounts.
Fees and balance
The Super Saver has no charge of its own, but you remain subject to ADCB's relationship fee, which is one fee per customer. Money in the Super Saver is savings held with ADCB, and the fee is zero once your total relationship balance reaches AED 20,000. A directly credited salary of AED 15,000 or more also removes it, and so does a smaller salary together with an ADCB credit card, overdraft or loan. Outside those cases the fee is AED 25 a month for customers with a smaller salary transfer and AED 100 a month for others. An account closed between 30 days and six months after 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 credit card, overdraft or loan.
Monthly fee
AED 25
Salary transfer under AED 15,000 without an ADCB credit card, overdraft or loan.
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
Interest
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.
Annual interest rate
| Your balance | Rate a year |
|---|---|
| Below AED 50,000 | 0.01% |
| From AED 50,000, up to AED 20,000,000 | 2.25% |
| Above AED 20,000,000 | 1% |
| Your balance | Rate a year |
|---|---|
| Below AED 50,000 | 0.01% |
| From AED 50,000, up to AED 20,000,000 | 2.25% |
| Above AED 20,000,000 | 1% |
PayoutMonthly
Calculated onAverage monthly balance
How interest 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
- Bonus
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
- 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 interest you earn. 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 1
interest over 1 year
0.01%
a year on this balance
interest earned over time
The bonus is paid on top of the base rate. ADCB compares your Super Saver balance with March 2026, the benchmark month, and pays the bonus on the increase that came from outside the bank. The new money must raise your total relationship balance by the same amount.
Benefits
Base and Bonus Interest
A base rate on the monthly average balance, plus a bonus rate on new-to-bank funds.
Four Currencies
Available in dirhams, US dollars, British pounds and euros.
Instant Digital Opening
Opened in the ADCB mobile app or Personal Internet Banking.
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 Current or Savings Account.
2.Log in to the ADCB mobile app or Personal Internet Banking.
3.Under Accounts & Deposits, choose New Account.
4.Select Current/Savings Account and follow the instructions for the Super Saver.
5.Transfer in funds from outside ADCB if you want the bonus rate to apply.
Good to know
Good option for
Existing customers bringing AED 50,000 or more to ADCB from another bank, who can leave it in place for the month.
Consider another account if
Your balance will stay under AED 50,000, where the rate is 0.01%. See other savings accounts for smaller balances.
If you hold more than one Super Saver
ADCB adds the balances of all your Super Saver accounts together to work out your new-to-bank funds. The bonus is then paid into one account only, the oldest Super Saver you hold.
Frequently asked questions
Get answers to common questions about the ADCB Super Saver Account