Minimum salary
No minimum
ADIB Ghina Savings Account
ADIB Ghina Savings Account pays monthly Mudaraba profit and enters you in cash prize draws when you hold AED 1,000 or AED 20,000. No salary needed.
At a glance
Key facts
Monthly Fee
AED 26.25/month below AED 3,000
Minimum BalanceAED 3,000
Minimum SalaryNo minimum salary
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 Savings Account is a savings account with two ways to gain. First, it shares profit with you each month, at the same declared rates as the ADIB Savings Account. Second, your balance earns raffle coupons for cash prize draws that ADIB runs every month and every quarter. You can open it as an individual without moving your salary, in AED, US dollars or British pounds, and you can take money out at any time with the debit card, which works in AED. Account holders are also enrolled automatically in a Sharia-compliant Takaful protection scheme at no extra cost. There is no cheque book.
Who can open it
Salary transfer
Not required
Fees and balance
Keeping the account free and keeping your draw entries are separate tests. For the fee, ADIB checks the daily closing balance: a month with any day under AED 3,000 is charged AED 26.25. The opening month is exempt, and charging starts from the second month, or the third when the account was opened after the 20th. An account that pays an instalment on an active ADIB auto, personal or home finance, or that receives a pension, is not charged. If you close the account within 6 months of opening you pay AED 105, and closing before a draw date also removes you from that draw.
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; 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
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 Savings Account. 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
- Which balance counts
- The return is worked out on the average of your daily balances, so every day's balance counts equally. 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 shared under Mudaraba and declared after each month. Below AED 5,000 there is no profit. The campaign rate for newly opened Ghina Savings Accounts is worked out on the average of your daily closing balances, on new money over and above everything you held with the bank before the campaign opened. Monthly profit counts towards that rate and the remainder is paid after the campaign ends. Expected means the bank projects the rate from its investments, with profit 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
Takaful Protection
Automatic enrolment in a Sharia-compliant Takaful scheme
AED, USD and GBP Accounts
Open the account in dirhams, US dollars or British pounds
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.No minimum salary.
3.Salary transfer is not required.
4.Minimum balance: AED 3,000.
5.Debit card included.
Good to know
Good option for
Savers who can leave at least AED 20,000 untouched for months at a time, since that is what builds Grand Draw entries, and who do not want to move their salary.
Consider another account if
You dip into savings often. One day below a draw threshold clears those coupons, and one day below AED 3,000 brings the monthly fee. If your salary can move, the ADIB Ghina Salary Account counts draws on your average balance instead.
How the prize draws work
Each full calendar month in which your daily closing balance stays at AED 1,000 or more earns one Gold coupon for every AED 1,000 held, for the Monthly Draw. Staying at AED 20,000 or more earns one Platinum coupon for every AED 20,000, for the Grand Draw held each quarter. The Grand Draw has one winner of AED 1 million. The Monthly Draw pays AED 10,000 to 10 winners, AED 5,000 to 10 winners and AED 2,000 to 25 winners. Coupons are used up once they have been through a draw, and one person can hold at most 1,000 coupons per draw.
What makes you lose coupons
If your balance falls below AED 20,000 at any time, every Platinum coupon you have collected is cancelled and counting restarts. The same happens to Gold coupons if the balance goes below AED 1,000. Prizes come from ADIB shareholders' funds and are awarded at the bank's discretion, so they are a possible extra and not part of the account's return.
Frequently asked questions
Get answers to common questions about the ADIB Ghina Savings Account