Kredit data · 2026

The UAE Bank Account Cost Index

Name: UAE Bank Account Cost Index 2026
Creator: Kredit
License: https://kredit.ae/media/terms-of-service.pdf

What it costs to hold a UAE bank account for a year, measured across 87 current and savings accounts from 15 banks. 31 earn more in interest or profit than they charge in fees, 36 cost nothing and 20 cost money.

87current and savings accounts from 15 banks

31accounts earn more than they cost

36accounts cost nothing over the year

AED 312.50the most an account earns in a year

AED 11.20lowest yearly cost among the 20 accounts that cost money

AED 1,260highest yearly cost in the index

Current accounts

Savings accounts

Methodology

Every account is priced for one customer: AED 5,000 kept in the account all year and a monthly salary of AED 12,000 paid into it. Yearly cost is twelve months of the account's fees after any waiver that customer meets, minus the interest or profit the account pays on that steady balance. A waiver or rate condition the model cannot test counts as not met. Current and savings accounts are included; an account the model cannot price is left out. Cite as "Kredit UAE Bank Account Cost Index, 2026".

Find the account behind the numbers

Every account in the index has its own page with its fees, rates and opening requirements. Browse all UAE bank accounts, including deposits and investment products.

Current accounts

Savings accounts

Methodology

Account	Bank	Fees and rate	Yearly cost
FAB Etihad Guest AccountFirst Abu Dhabi Bank (FAB) · No interest	First Abu Dhabi Bank (FAB)	No interest	AED 0 a year
FAB One AccountFirst Abu Dhabi Bank (FAB) · No interest	First Abu Dhabi Bank (FAB)	No interest	AED 0 a year
Mbank Current AccountAl Maryah Community Bank · AED 26.25/month, waivable · No interest	Al Maryah Community Bank	AED 26.25/month, waivable · No interest	AED 0 a year
ruya Current AccountRuya Community Islamic Bank · No monthly fee · No profit	Ruya Community Islamic Bank	No monthly fee · No profit	AED 0 a year
ADIB Current AccountAbu Dhabi Islamic Bank (ADIB) · AED 26.25/month below AED 3,000 · No profit	Abu Dhabi Islamic Bank (ADIB)	AED 26.25/month below AED 3,000 · No profit	AED 0 a year
ADIB Electron AccountAbu Dhabi Islamic Bank (ADIB) · AED 26.25/month below AED 3,000 · No profit	Abu Dhabi Islamic Bank (ADIB)	AED 26.25/month below AED 3,000 · No profit	AED 0 a year
Citi Current AccountCitibank · AED 25/month below AED 3,000 · No interest	Citibank	AED 25/month below AED 3,000 · No interest	AED 0 a year
DIB Al Islami 2-in-1 AccountDubai Islamic Bank · AED 26.25/month below AED 3,000 · 0.15% profit, declared for Q2 2026	Dubai Islamic Bank	AED 26.25/month below AED 3,000 · 0.15% profit, declared for Q2 2026	AED 0 a year
DIB Al Islami Current AccountDubai Islamic Bank · AED 26.25/month below AED 3,000 · No profit	Dubai Islamic Bank	AED 26.25/month below AED 3,000 · No profit	AED 0 a year
DIB Johara Current AccountDubai Islamic Bank · AED 26.25/month below AED 3,000 · No profit	Dubai Islamic Bank	AED 26.25/month below AED 3,000 · No profit	AED 0 a year
Emirates Islamic Current AccountEmirates Islamic · AED 26.25/month below AED 3,000 · No profit	Emirates Islamic	AED 26.25/month below AED 3,000 · No profit	AED 0 a year
Emirates NBD Current AccountEmirates NBD · AED 26.25/month below AED 3,000 · No interest	Emirates NBD	AED 26.25/month below AED 3,000 · No interest	AED 0 a year
FAB Islamic Current AccountFirst Abu Dhabi Bank (FAB) · AED 26.25/month below AED 3,000 · No profit	First Abu Dhabi Bank (FAB)	AED 26.25/month below AED 3,000 · No profit	AED 0 a year
FAB Personal Current AccountFirst Abu Dhabi Bank (FAB) · AED 26.25/month below AED 3,000 · No interest	First Abu Dhabi Bank (FAB)	AED 26.25/month below AED 3,000 · No interest	AED 0 a year
HSBC Personal Banking AccountHSBC · AED 26.25/month below AED 3,000 · No interest	HSBC	AED 26.25/month below AED 3,000 · No interest	AED 0 a year
Liv Primary AccountLiv Digital Bank by Emirates NBD · AED 26.25/month below AED 3,000 · No interest	Liv Digital Bank by Emirates NBD	AED 26.25/month below AED 3,000 · No interest	AED 0 a year
Mashreq Islamic Current AccountMashreq Bank · AED 26.25/month below AED 3,000 · No profit	Mashreq Bank	AED 26.25/month below AED 3,000 · No profit	AED 0 a year
Mashreq NEO Current AccountMashreq Bank · AED 26.25/month below AED 3,000 · No interest	Mashreq Bank	AED 26.25/month below AED 3,000 · No interest	AED 0 a year
RAKBANK Current AccountRakbank · AED 26.25/month below AED 3,000 · Up to 6.75% interest	Rakbank	AED 26.25/month below AED 3,000 · Up to 6.75% interest	AED 0 a year
RAKBANK Islamic Current AccountRakbank · AED 26.25/month below AED 3,000 · No profit	Rakbank	AED 26.25/month below AED 3,000 · No profit	AED 0 a year
CBD Al Islami Current AccountCommercial Bank of Dubai (CBD) · AED 26.25/month below AED 5,000 · No profit	Commercial Bank of Dubai (CBD)	AED 26.25/month below AED 5,000 · No profit	AED 0 a year
CBD Current AccountCommercial Bank of Dubai (CBD) · AED 105/month below AED 5,000	Commercial Bank of Dubai (CBD)	AED 105/month below AED 5,000	AED 0 a year
CBD Digital Current AccountCommercial Bank of Dubai (CBD) · AED 105/month below AED 5,000	Commercial Bank of Dubai (CBD)	AED 105/month below AED 5,000	AED 0 a year
Mashreq Islamic NEO Plus Current AccountMashreq Bank · No profit	Mashreq Bank	No profit	AED 0 a year
Mashreq NEO Plus Current AccountMashreq Bank · No interest	Mashreq Bank	No interest	AED 0 a year
Wio Personal Current AccountWio Bank · Wio plan: free to AED 49/month · No interest	Wio Bank	Wio plan: free to AED 49/month · No interest	AED 0 a year
ADCB Universal AccountAbu Dhabi Commercial Bank (ADCB) · AED 2.00/month · No interest	Abu Dhabi Commercial Bank (ADCB)	AED 2.00/month · No interest	AED 24 a year
Mashreq NEO Simple AccountMashreq Bank · AED 2.10/month · No interest	Mashreq Bank	AED 2.10/month · No interest	AED 25.20 a year
ADCB Islamic Elite AccountAbu Dhabi Commercial Bank (ADCB) · Free to AED 100/month · 0.2% profit, declared for Q2 2026	Abu Dhabi Commercial Bank (ADCB)	Free to AED 100/month · 0.2% profit, declared for Q2 2026	AED 290 a year
ADCB Current AccountAbu Dhabi Commercial Bank (ADCB) · Free to AED 100/month · No interest	Abu Dhabi Commercial Bank (ADCB)	Free to AED 100/month · No interest	AED 300 a year
ADCB Islamic Current AccountAbu Dhabi Commercial Bank (ADCB) · Free to AED 100/month · No profit	Abu Dhabi Commercial Bank (ADCB)	Free to AED 100/month · No profit	AED 300 a year
Wio Family AccountWio Bank · AED 49.00/month, waivable	Wio Bank	AED 49.00/month, waivable	AED 588 a year
HSBC Advance AccountHSBC · AED 105.00/month, waivable · No interest	HSBC	AED 105.00/month, waivable · No interest	AED 1,260 a year

Account	Bank	Fees and rate	Yearly cost
Mashreq Islamic NEO Plus Saver AccountMashreq Bank · No monthly fee · Up to 6.25% profit	Mashreq Bank	No monthly fee · Up to 6.25% profit	Earns AED 312.50 a year
Mashreq NEO Plus Savings AccountMashreq Bank · No monthly fee · Up to 6.25% interest	Mashreq Bank	No monthly fee · Up to 6.25% interest	Earns AED 312.50 a year
FAB iSave AccountFirst Abu Dhabi Bank (FAB) · No monthly fee · Up to 3.4% interest	First Abu Dhabi Bank (FAB)	No monthly fee · Up to 3.4% interest	Earns AED 100 a year
Mashreq Islamic Wakala Convenience AccountMashreq Bank · AED 26.25/month below AED 3,000 · Up to 1.5% profit	Mashreq Bank	AED 26.25/month below AED 3,000 · Up to 1.5% profit	Earns AED 75 a year
Liv LiteLiv Digital Bank by Emirates NBD · No monthly fee · Up to 1% interest	Liv Digital Bank by Emirates NBD	No monthly fee · Up to 1% interest	Earns AED 50 a year
ruya Savings AccountRuya Community Islamic Bank · No monthly fee · 0.79% profit, declared for Q3 2026	Ruya Community Islamic Bank	No monthly fee · 0.79% profit, declared for Q3 2026	Earns AED 39.50 a year
Mashreq Islamic Easy Saver AccountMashreq Bank · No monthly fee · 0.69% profit, declared for Q3 2026	Mashreq Bank	No monthly fee · 0.69% profit, declared for Q3 2026	Earns AED 34.50 a year
CBD Al Islami Savings AccountCommercial Bank of Dubai (CBD) · Up to 0.57% profit, declared for Q1 2026	Commercial Bank of Dubai (CBD)	Up to 0.57% profit, declared for Q1 2026	Earns AED 27 a year
CBD Al Islami GreenGrowth AccountCommercial Bank of Dubai (CBD) · No monthly fee · Up to 1.25% profit	Commercial Bank of Dubai (CBD)	No monthly fee · Up to 1.25% profit	Earns AED 25 a year
CBD GreenGrowth AccountCommercial Bank of Dubai (CBD) · No monthly fee · Up to 1.25% interest	Commercial Bank of Dubai (CBD)	No monthly fee · Up to 1.25% interest	Earns AED 25 a year
Mashreq Daily Bonus AccountMashreq Bank · AED 26.25/month below AED 3,000 · Up to 1.5% interest	Mashreq Bank	AED 26.25/month below AED 3,000 · Up to 1.5% interest	Earns AED 25 a year
FAB Emirati Al Awwal Savings CertificateFirst Abu Dhabi Bank (FAB) · No monthly fee · 0.5% profit	First Abu Dhabi Bank (FAB)	No monthly fee · 0.5% profit	Earns AED 25 a year
Emirates Islamic Investment Savings AccountEmirates Islamic · AED 26.25/month below AED 3,000 · 0.35% profit	Emirates Islamic	AED 26.25/month below AED 3,000 · 0.35% profit	Earns AED 17.50 a year
Mashreq Noon Savings AccountMashreq Bank · Up to 1.1% interest	Mashreq Bank	Up to 1.1% interest	Earns AED 17.50 a year
Mashreq Islamic Basic Savings AccountMashreq Bank · AED 26.25/month below AED 3,000 · 0.29% profit, declared for Q3 2026	Mashreq Bank	AED 26.25/month below AED 3,000 · 0.29% profit, declared for Q3 2026	Earns AED 14.50 a year
ADIB Ghina Salary AccountAbu Dhabi Islamic Bank (ADIB) · AED 26.25/month below AED 3,000 · Up to 0.3% profit, declared for July 2026	Abu Dhabi Islamic Bank (ADIB)	AED 26.25/month below AED 3,000 · Up to 0.3% profit, declared for July 2026	Earns AED 14 a year
ADIB Ghina Savings AccountAbu Dhabi Islamic Bank (ADIB) · AED 26.25/month below AED 3,000 · Up to 0.3% profit, declared for July 2026	Abu Dhabi Islamic Bank (ADIB)	AED 26.25/month below AED 3,000 · Up to 0.3% profit, declared for July 2026	Earns AED 14 a year
ADIB Savings AccountAbu Dhabi Islamic Bank (ADIB) · AED 26.25/month below AED 3,000 · Up to 0.3% profit, declared for July 2026	Abu Dhabi Islamic Bank (ADIB)	AED 26.25/month below AED 3,000 · Up to 0.3% profit, declared for July 2026	Earns AED 14 a year
Mbank Savings AccountAl Maryah Community Bank · AED 26.25/month, waivable · Up to 0.75% interest	Al Maryah Community Bank	AED 26.25/month, waivable · Up to 0.75% interest	Earns AED 12.50 a year
RAKBANK Islamic Savings AccountRakbank · AED 26.25/month below AED 3,000 · Up to 7% profit	Rakbank	AED 26.25/month below AED 3,000 · Up to 7% profit	Earns AED 12.50 a year
RAKBANK Savings AccountRakbank · AED 26.25/month below AED 3,000 · Up to 7% interest	Rakbank	AED 26.25/month below AED 3,000 · Up to 7% interest	Earns AED 12.50 a year
Emirates NBD Savings AccountEmirates NBD · AED 26.25/month below AED 3,000 · 0.2% interest	Emirates NBD	AED 26.25/month below AED 3,000 · 0.2% interest	Earns AED 10 a year
Emirates Islamic Kunooz Millionaire AccountEmirates Islamic · AED 26.25/month below AED 3,000 · 0.1% profit	Emirates Islamic	AED 26.25/month below AED 3,000 · 0.1% profit	Earns AED 5 a year
RAKBANK Call Deposit AccountRakbank · AED 26.25/month below AED 3,000 · 0.1% interest	Rakbank	AED 26.25/month below AED 3,000 · 0.1% interest	Earns AED 5 a year
RAKBANK Islamic Call Investment DepositRakbank · AED 26.25/month below AED 3,000 · 0.1% profit	Rakbank	AED 26.25/month below AED 3,000 · 0.1% profit	Earns AED 5 a year
CBD Savings AccountCommercial Bank of Dubai (CBD) · AED 105/month below AED 5,000 · Up to 0.1% interest	Commercial Bank of Dubai (CBD)	AED 105/month below AED 5,000 · Up to 0.1% interest	Earns AED 5 a year
Citi Savings AccountCitibank · AED 25/month below AED 3,000 · 0.05% interest	Citibank	AED 25/month below AED 3,000 · 0.05% interest	Earns AED 2.50 a year
FAB Personal Call AccountFirst Abu Dhabi Bank (FAB) · AED 26.25/month below AED 3,000 · 0.02% interest	First Abu Dhabi Bank (FAB)	AED 26.25/month below AED 3,000 · 0.02% interest	Earns AED 1 a year
FAB Personal Savings AccountFirst Abu Dhabi Bank (FAB) · AED 26.25/month below AED 3,000 · 0.02% interest	First Abu Dhabi Bank (FAB)	AED 26.25/month below AED 3,000 · 0.02% interest	Earns AED 1 a year
ADCB Islamic Millionaire Destiny Savings AccountAbu Dhabi Commercial Bank (ADCB) · Free to AED 100/month · 0.01% profit, declared for Q2 2026	Abu Dhabi Commercial Bank (ADCB)	Free to AED 100/month · 0.01% profit, declared for Q2 2026	Earns AED 0.50 a year
HSBC Savings AccountHSBC · AED 26.25/month below AED 3,000 · Up to 5.01% interest	HSBC	AED 26.25/month below AED 3,000 · Up to 5.01% interest	Earns AED 0.50 a year
ADCB Instant Tourist AccountAbu Dhabi Commercial Bank (ADCB) · AED 26.25/month, waivable · No interest	Abu Dhabi Commercial Bank (ADCB)	AED 26.25/month, waivable · No interest	AED 0 a year
DIB Al Islami E-Savings AccountDubai Islamic Bank · 0.2% profit, declared for Q2 2026	Dubai Islamic Bank	0.2% profit, declared for Q2 2026	AED 0 a year
DIB Shaatir Savings AccountDubai Islamic Bank · No monthly fee · 0.3% profit, declared for Q2 2026	Dubai Islamic Bank	No monthly fee · 0.3% profit, declared for Q2 2026	AED 0 a year
HSBC E-Saver AccountHSBC · No monthly fee · Up to 2% interest	HSBC	No monthly fee · Up to 2% interest	AED 0 a year
Liv Goal AccountLiv Digital Bank by Emirates NBD · No monthly fee · Up to 4% interest	Liv Digital Bank by Emirates NBD	No monthly fee · Up to 4% interest	AED 0 a year
Wio Saving SpacesWio Bank · Wio plan: free to AED 49/month · Up to 3.25% interest	Wio Bank	Wio plan: free to AED 49/month · Up to 3.25% interest	AED 0 a year
DIB Al Islami Savings AccountDubai Islamic Bank · AED 26.25/month below AED 3,000 · 0.12% profit, declared for Q2 2026	Dubai Islamic Bank	AED 26.25/month below AED 3,000 · 0.12% profit, declared for Q2 2026	AED 0 a year
Mashreq Savings AccountMashreq Bank · AED 26.25/month below AED 3,000 · No interest	Mashreq Bank	AED 26.25/month below AED 3,000 · No interest	AED 0 a year
RAKBANK Rakbooster AccountRakbank · AED 26.25/month below AED 3,000 · Up to 1.75% interest	Rakbank	AED 26.25/month below AED 3,000 · Up to 1.75% interest	AED 0 a year
ADIB Short Term Investment AccountAbu Dhabi Islamic Bank (ADIB) · Up to 0.55% profit, declared for August 2026	Abu Dhabi Islamic Bank (ADIB)	Up to 0.55% profit, declared for August 2026	AED 0 a year
ADIB Xpress AccountAbu Dhabi Islamic Bank (ADIB) · AED 2.10/month · Up to 0.3% profit, declared for July 2026	Abu Dhabi Islamic Bank (ADIB)	AED 2.10/month · Up to 0.3% profit, declared for July 2026	AED 11.20 a year
ADCB Goal Savings AccountAbu Dhabi Commercial Bank (ADCB) · Free to AED 100/month · Up to 4.5% interest	Abu Dhabi Commercial Bank (ADCB)	Free to AED 100/month · Up to 4.5% interest	AED 200 a year
ADCB Islamic Goal Savings AccountAbu Dhabi Commercial Bank (ADCB) · Free to AED 100/month · Up to 4.5% profit	Abu Dhabi Commercial Bank (ADCB)	Free to AED 100/month · Up to 4.5% profit	AED 200 a year
ADCB Active Saver AccountAbu Dhabi Commercial Bank (ADCB) · Free to AED 100/month · Up to 2.25% interest	Abu Dhabi Commercial Bank (ADCB)	Free to AED 100/month · Up to 2.25% interest	AED 280 a year
ADCB Islamic Active Saver AccountAbu Dhabi Commercial Bank (ADCB) · Free to AED 100/month · Up to 2.25% profit	Abu Dhabi Commercial Bank (ADCB)	Free to AED 100/month · Up to 2.25% profit	AED 280 a year
ADCB Call AccountAbu Dhabi Commercial Bank (ADCB) · Free to AED 100/month · 0.1% interest	Abu Dhabi Commercial Bank (ADCB)	Free to AED 100/month · 0.1% interest	AED 295 a year
ADCB Islamic Savings AccountAbu Dhabi Commercial Bank (ADCB) · Free to AED 100/month · 0.1% profit, declared for Q2 2026	Abu Dhabi Commercial Bank (ADCB)	Free to AED 100/month · 0.1% profit, declared for Q2 2026	AED 295 a year
ADCB Islamic Special Savings AccountAbu Dhabi Commercial Bank (ADCB) · Free to AED 100/month · 0.1% profit, declared for Q2 2026	Abu Dhabi Commercial Bank (ADCB)	Free to AED 100/month · 0.1% profit, declared for Q2 2026	AED 295 a year
ADCB Savings AccountAbu Dhabi Commercial Bank (ADCB) · Free to AED 100/month · 0.1% interest	Abu Dhabi Commercial Bank (ADCB)	Free to AED 100/month · 0.1% interest	AED 295 a year
ADCB Islamic Emirati Millionaire Savings AccountAbu Dhabi Commercial Bank (ADCB) · Free to AED 100/month · 0.01% profit, declared for Q2 2026	Abu Dhabi Commercial Bank (ADCB)	Free to AED 100/month · 0.01% profit, declared for Q2 2026	AED 299.50 a year
ADCB Islamic Super Saver AccountAbu Dhabi Commercial Bank (ADCB) · Free to AED 100/month · Up to 5.5% profit	Abu Dhabi Commercial Bank (ADCB)	Free to AED 100/month · Up to 5.5% profit	AED 299.50 a year
ADCB Super Saver AccountAbu Dhabi Commercial Bank (ADCB) · Free to AED 100/month · Up to 5.5% interest	Abu Dhabi Commercial Bank (ADCB)	Free to AED 100/month · Up to 5.5% interest	AED 299.50 a year
ADCB Cashback AccountAbu Dhabi Commercial Bank (ADCB) · Free to AED 100/month · Up to 2% interest	Abu Dhabi Commercial Bank (ADCB)	Free to AED 100/month · Up to 2% interest	AED 300 a year