Minimum salary
No minimum
ADIB Savings Account
ADIB Savings Account is a Mudaraba savings account that pays profit monthly on balances of AED 5,000 or more, with a debit card and open access.
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 Savings Account is where you keep money you want to grow while still being able to reach it. You can withdraw whenever you need, and the account comes with a Visa debit card. It is an investment account under Mudaraba: the bank invests your balance alongside other savers' money and shares whatever profit is achieved with you. UAE nationals, residents and non-residents can all open one, and there is no salary requirement. It has no cheque book, so cheque payments belong in the ADIB Current Account. If you like the idea of prize draws on top of the same profit rates, look at the ADIB Ghina Savings Account.
Who can open it
Fees and balance
Two different balance levels matter here, and they do different jobs. AED 3,000 is the level that keeps the account free: when any day's closing balance in a month is lower, ADIB charges AED 26.25 for that month. AED 5,000 is the level at which profit starts. The fee is not charged in your opening month, and it begins in month two, or month three for accounts opened after the 20th. It is also not charged on an account that pays an active ADIB auto, personal or home finance instalment or receives a pension. Leaving within 6 months of opening 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; 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
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
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
- 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
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 comes from a Mudaraba arrangement: you hand your savings to the bank to invest, and any profit made is split between you and the bank in agreed shares. The rate is declared after each month ends, based on what was achieved. A balance under AED 5,000 earns nothing for that month. Profit is paid into the account on the first day of the following month. If you close the account partway through a month, you do not receive profit for that month.
Benefits
Monthly Profit
Mudaraba profit paid on the first day of each month
Visa Debit Card
Withdraw and spend from savings with a Visa debit card
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.Minimum balance: AED 3,000.
4.Debit card included.
Good to know
Good option for
Savers with AED 5,000 or more who want monthly profit under Islamic principles and the freedom to withdraw at any time, with no salary to transfer.
Consider another account if
Your savings will sit below AED 5,000, where no profit is paid, or below AED 3,000, where the monthly fee applies. Compare other savings accounts before you decide.
Frequently asked questions
Get answers to common questions about the ADIB Savings Account