Minimum salary
AED 8,000/month
ADIB Ghina Salary Account
ADIB Ghina Salary Account takes a salary of AED 8,000 or more, shares monthly profit and enters you in cash prize draws based on your average balance.
At a glance
Key facts
Monthly Fee
AED 26.25/month below AED 3,000
Minimum BalanceAED 3,000
Minimum SalaryAED 8,000
Account access
Debit card included.
Existing ADIB customers opening an additional Savings, Ghina Savings or Ghina Salary Account through a digital channel must deposit AED 3,000 or its foreign-currency equivalent.
ADIB Ghina Salary Account is the Ghina account for people who have their pay sent to ADIB. You need a monthly salary of at least AED 8,000 and you must transfer it into the account. In return you get an account you can run your month from, with a debit card and the option of a cheque book, that also shares profit and collects raffle coupons for ADIB's cash prize draws. It is open to UAE nationals and residents. The draws and prizes are the same as on the ADIB Ghina Savings Account, but coupons here are counted on your average monthly balance. That suits a salary account, where money comes in and goes out through the month.
Who can open it
Salary transfer
Required
Fees and balance
Having your salary paid in is what removes the balance fee. ADIB does not charge it once the account has received a salary of at least AED 5,000 in one of the past three months. Without that, the standard rule applies: AED 26.25 for a month in which the closing balance of any day is under AED 3,000, starting from the second month, or the third if you opened after the 20th. Paying an active ADIB auto, personal or home finance instalment from the account, or receiving a pension, also removes the fee. Closing the account inside its first 6 months costs AED 105.
Minimum balance
AED 3,000
Monthly fall-below fee
AED 26.25
How to avoid the monthly fee Meet any one of these conditions.
- Keep a balanceBalance of AED 3,000 or more
- Other exemptionsCharged from the second month (the third if opened after the 20th). Waived for an account paying an active ADIB auto, personal or home finance instalment, or receiving a pension, or after a salary of at least AED 5,000 in one of the past three months; minimum daily balance is zero in the opening month.
Account closure fee
AED 105
Charged only within 6 months of opening.
In plain words
- Fall-below fee
- A monthly charge for holding less than the balance the bank asks for. Here it is AED 26.25, charged in a month when your balance is under AED 3,000. It is not charged in a month when you stay at or above that amount. 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. More on this
Profit
Prize participation requires a balance of AED 20,000 for the Grand draw or AED 1,000 for the Monthly draw.
Annual profit rate
| Your balance | Rate a year |
|---|---|
| From AED 5,000, below AED 10,000 | 0.28% |
| From AED 10,000, up to AED 25,000 | 0.29% |
| Above AED 25,000 | 0.3% |
| Your balance | Rate a year |
|---|---|
| From AED 5,000, below AED 10,000 | 0.28% |
| From AED 10,000, up to AED 25,000 | 0.29% |
| Above AED 25,000 | 0.3% |
PayoutMonthly
Calculated onAverage monthly balance
Declared forJuly 2026
How profit works
Calculated onDaily average balance
Eligible balanceFrom AED 50,000 · Up to AED 25,000,000
Eligible fundsNew-to-bank funds compared with June 2026
Offer periodFrom 1 July 2026 to 31 October 2026
- Expected
- New Ghina Salary Account with salary transfer within 90 days. Incremental balances above all ADIB balances on June 30, 2026, deposited from sources outside ADIB or from an ADIB customer with no immediate family relationship or business partnership; monthly distribution is included and the excess is paid at campaign end.
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
- 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
- Declared rate
- The bank announces the profit rate for each period after the period ends. The rate shown is the one announced for July 2026. More on this
What your money earns here
Which rate applies to you
Standard profit rate
Held for
1 year
Uses the rate declared for July 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 29
profit over 1 year
0.29%
a year on this balance
profit earned over time
Profit is calculated once a month and added on the first working day of the next month. The campaign rate is for customers who open a new Ghina Salary Account and transfer their salary within 90 days. It uses the average of the daily closing balances, on new money above your total ADIB balances before the campaign opened. Your monthly profit counts towards the campaign rate and the remainder is paid after the campaign closes. An expected rate is a projection under Mudaraba, where profit is shared once it is achieved.
Benefits
Quarterly Grand Draw
One winner of AED 1 million every quarter
Monthly Prize Draws
Cash prizes of AED 2,000 to AED 10,000 every month
Visa Debit Card
Visa debit card in AED, with the first card issued free
First Cheque Book Free
Cheque book available on request, first one at no charge
Shariah-compliant
Banking model
How to open
Before you apply
1.Existing ADIB customers opening an additional Savings, Ghina Savings or Ghina Salary Account through a digital channel must deposit AED 3,000 or its foreign-currency equivalent.
2.Minimum salary: AED 8,000/month.
3.Salary transfer required.
4.Minimum balance: AED 3,000.
5.Debit card included.
In plain words
- Salary transfer
- Your employer pays your salary straight into this account. The bank asks for this as a condition of holding it. More on this
Good to know
Good option for
Employees earning AED 8,000 or more who are happy to move their salary to ADIB and carry a balance through the month.
Consider another account if
Your salary is under AED 8,000 or has to stay with another bank. The ADIB Ghina Savings Account has the same draws with no salary rule, and salary transfer accounts at other banks are listed separately.
How the prize draws work on a salary account
An average monthly balance of AED 1,000 earns Gold coupons for the Monthly Draw, one for each AED 1,000. An average of AED 20,000 earns Platinum coupons for the quarterly Grand Draw, one for each AED 20,000. If the average drops below those levels you lose the coupons of that type and start again. The Grand Draw pays AED 1 million to one winner. Monthly prizes are AED 10,000 for 10 winners, AED 5,000 for 10 winners and AED 2,000 for 25 winners. Prizes are funded by ADIB's shareholders and awarded at the bank's discretion.
Frequently asked questions
Get answers to common questions about the ADIB Ghina Salary Account