Minimum opening amount
AED 10,000
ADIB Short Term Investment Account
ADIB Short Term Investment Account pays monthly Mudaraba profit on balances from AED 10,000 and leaves your money free to withdraw. No card or cheques.
At a glance
ADIB Short Term Investment Account sits between a savings account and a fixed deposit. You need AED 10,000 to open it, your balance is invested every day, and you can still take money out when you need it. ADIB positions it as carrying a higher expected profit rate than its regular Savings Account. The trade is convenience: there is no debit or ATM card and no cheque book, so withdrawals are made on your written instruction to the bank. It is a Mudaraba account, meaning the bank invests your funds and shares the achieved profit with you. UAE nationals, residents and non-residents can open one. If you are sure you will not need the money for a set period, the ADIB Investment Deposit Account fixes it for a term instead.
Fees and balance
Fall-below fee
Free
Profit
Annual profit rate
| Your balance | Rate a year |
|---|---|
| From AED 10,000, below AED 500,000 | 0.52% |
| From AED 500,000, below AED 2,000,000 | 0.53% |
| From AED 2,000,000, up to AED 5,000,000 | 0.54% |
| Above AED 5,000,000 | 0.55% |
| Your balance | Rate a year |
|---|---|
| From AED 10,000, below AED 500,000 | 0.52% |
| From AED 500,000, below AED 2,000,000 | 0.53% |
| From AED 2,000,000, up to AED 5,000,000 | 0.54% |
| Above AED 5,000,000 | 0.55% |
PayoutMonthly
Calculated onAverage monthly balance
Declared forAugust 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
- 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
- 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
What your money earns here
Held for
1 year
Uses the rate 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 52
profit over 1 year
0.52%
a year on this balance
profit earned over time
Only days on which your closing balance is AED 10,000 or more count towards profit. At the end of the month ADIB takes the average of the daily closing balances for those qualifying days and uses the rate for the band that average falls in. The profit is added to the account on the first working day of the next month. A day spent under AED 10,000 does not trigger a fee. It simply earns nothing for that day.
Benefits
Monthly Profit
Mudaraba profit credited on the first working day of each month
Shariah-compliant
Banking model
How to open
Before you apply
1.Minimum opening amount: AED 10,000.
2.No debit card included.
Good to know
Good option for
People holding AED 10,000 or more in spare cash who want monthly profit without committing to a fixed term.
Consider another account if
You need a card or cheques on the account, or your balance will often sit under AED 10,000, where it earns no profit.
Frequently asked questions
Get answers to common questions about the ADIB Short Term Investment Account