Minimum deposit
AED 10,000
ADIB Investment Deposit Account
ADIB Investment Deposit Account is a Mudaraba term deposit from AED 10,000 for 1 to 60 months, with profit paid when the term ends. Needs an ADIB account.
An existing account with ADIB is required, such as ADIB Current Account.
At a glance
Key facts
Minimum DepositAED 10,000
Tenures1–60 months
Profit PayoutAt maturity
Account access
No debit card included.
An existing account with the bank is required.
ADIB Investment Deposit Account is ADIB's version of a fixed deposit. You place at least AED 10,000 for a period you choose up front, called the tenure: 1, 3, 6, 9, 12, 24, 36, 48 or 60 months. The bank invests the money under Mudaraba for that period and shares the achieved profit with you at the end. You need an existing ADIB current or savings account to open one, and the deposit itself has no card or cheque book. When the term ends you choose whether the profit is paid out to your account or added to the deposit and invested again. If you would rather keep the freedom to withdraw, the ADIB Short Term Investment Account pays monthly profit without a fixed term.
Fees and balance
Profit
Profit is paid at maturity. Early closure is subject to ADIB approval and may require a Takharuj settlement amount.
Available deposit tenures
1 month
Investment from AED 10,000 to AED 10 million0.64%
Investment above AED 10 million0.67%
3 months
Investment from AED 10,000 to AED 10 million0.66%
Investment above AED 10 million0.7%
6 months
Investment from AED 10,000 to AED 10 million0.68%
Investment above AED 10 million0.77%
9 months
Investment from AED 10,000 to AED 10 million0.71%
Investment above AED 10 million0.81%
12 months
Investment from AED 10,000 to AED 10 million0.76%
Investment above AED 10 million0.86%
24 months
36 months
48 months
60 months
Declared for August 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 August 2026. More on this
- Paid at maturity
- Maturity is the day the term you chose ends. The profit is paid then, together with the amount you deposited. More on this
What your money earns here
Tenure
12 months
Rate option
Deposits up to AED 10 million
Investment from AED 10,000 to AED 10 million.
Uses the rates declared for August 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 76
profit over 1 year
0.76%
a year
profit earned over time
The profit rate depends on how long you commit and how much you place. Unless you tell the bank otherwise at least 15 banking days before the term ends, the deposit renews automatically on the same terms. Under Mudaraba the profit is your share of what the investment achieves.
Benefits
Choice of Nine Terms
Fix your deposit for any term from 1 month to 60 months
Shariah-compliant
Banking model
How to open
Before you apply
1.An existing account with the bank is required.
2.Minimum deposit: AED 10,000.
3.No debit card included.
Good to know
Good option for
ADIB customers with AED 10,000 or more that they can leave untouched for the whole term.
Consider another account if
There is a real chance you will need the money early, because leaving before maturity depends on the bank's approval. Compare savings accounts that stay open to withdrawals.
Withdrawing before the term ends
ADIB is not obliged to release the deposit before maturity. Where it agrees, the whole deposit is closed, since partial withdrawals are not accepted, and you receive a settlement amount agreed with the bank. This is called Takharuj, which means you sell your share of the investment back early for an agreed price.
Frequently asked questions
Get answers to common questions about the ADIB Investment Deposit Account