Residency
UAE resident or national
ADIB Xpress Account
ADIB Xpress Account is an app-opened Islamic account for salaried people earning under AED 5,000, with no minimum balance and a monthly fee of AED 2.10.
At a glance
Key facts
Monthly FeeAED 2.10/month
Minimum BalanceNo minimum balance
Account access
Debit card included.
Available only to salaried individuals. The account closes if another account is held or subsequently opened in addition to the Xpress account, or the monthly service fee is unpaid for six consecutive months.
Open in the app.
ADIB Xpress Account is a digital account for lower-salaried workers. It is open to UAE nationals and residents who are salaried, declare a monthly income of less than AED 5,000 and do not hold any other active current or savings account in the UAE when they apply. New customers open it in the ADIB mobile app. There is no opening deposit and no minimum balance. You get a Visa debit card, mobile, internet and SMS banking, and you can send money locally and abroad and pay bills from the app. There is no cheque book. Technically it is a Mudaraba investment account, so your balance is invested by the bank and can share in profit. If you earn AED 5,000 or more, the ADIB Current Account is the one to look at.
Who can open it
Maximum salary
Below AED 5,000/month
Salaried applicants only
Monthly income must be declared as less than AED 5,000.
No other UAE account
Applicants must not hold an active current or savings account in the UAE.
Fees and balance
Instead of a balance rule, Xpress has a flat service fee of AED 2.10 a month, taken on the 27th or 28th. Your balance can go to zero without any fall-below fee. The fee still matters: if it goes unpaid for 6 consecutive months, ADIB closes the account after giving you 60 days' written notice, and any small amount left in the account goes towards the unpaid fees. Closing the account yourself within 6 months of opening costs AED 105.
Minimum balance
None
Minimum opening amount
None
Monthly fee
AED 2.1
In plain words
- 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
- Opening amount and minimum balance
- The opening amount (AED 0) is what you pay in to start the account. The minimum balance is what you keep in it afterwards. 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% |
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
Xpress shares profit under Mudaraba, in the same balance bands as ADIB's savings accounts. Profit starts at a balance of AED 5,000. With a balance under AED 5,000 the account works purely as a low-cost place to receive your salary and pay from.
Benefits
Opened in the ADIB App
New customers open the account digitally in the ADIB mobile app
Visa Debit Card
Visa debit card in AED, with the first card issued free
Shariah-compliant
Banking model
How to open
Before you apply
1.Available only to salaried individuals. The account closes if another account is held or subsequently opened in addition to the Xpress account, or the monthly service fee is unpaid for six consecutive months.
2.Open in the app.
3.Monthly salary must be below AED 5,000.
4.No minimum balance.
5.Debit card included.
Application steps
1.Check you qualify: salaried, earning under AED 5,000 a month, with no other active current or savings account in the UAE.
2.Download the ADIB mobile app and apply for the Xpress Account as a new customer.
3.Provide your valid Emirates ID and passport.
4.Declare your monthly income on the application.
In plain words
- Salary ceiling
- This account is reserved for lower incomes. You can open it only if your monthly salary is under AED 5,000. More on this
Good to know
Good option for
Salaried workers earning under AED 5,000 a month who have no other UAE bank account and want a card and app with no balance to maintain.
Consider another account if
You already have a UAE current or savings account, you are not salaried, or you earn AED 5,000 or more. See other no minimum balance accounts.
When ADIB closes or converts the account
Xpress is meant to be your only account. If you already hold, or later open, another account alongside it, ADIB closes the Xpress Account with 60 days' written notice. If your customer segment changes, the account is converted to a regular savings account and that account's terms, features and fees apply from then on.
Frequently asked questions
Get answers to common questions about the ADIB Xpress Account