SavingsMASHREQ BANK
Mashreq Islamic NEO Plus Saver Account
No monthly fee
Profit rate: Up to 6.25% p.a., paid monthly
No minimum balance
Best Islamic Bank Accounts in the UAE (2026)
Shariah-compliant current and savings accounts built on Qard Hasan, Mudaraba, and Wakala structures. These accounts share profit instead of paying interest, declared periodically by the bank's Sharia-compliant asset liabilities committee.
Savings
SavingsMASHREQ BANK
Mashreq Islamic Wakala Convenience Account
Monthly fee: AED 26.25/month below AED 3,000
Profit rate: Up to 1.5% p.a., paid monthly
Banking model: Shariah-compliant
SavingsRUYA COMMUNITY ISLAMIC BANK
ruya Savings Account
No monthly fee
Profit rate: 0.79% p.a., paid quarterly, declared for Q3 2026
No minimum balance
SavingsMASHREQ BANK
Mashreq Islamic Easy Saver Account
No monthly fee
Profit rate: 0.69% p.a., paid quarterly, declared for Q3 2026
No minimum balance
SavingsCOMMERCIAL BANK OF DUBAI (CBD)
CBD Al Islami Savings Account
Banking model: Shariah-compliant
Profit rate: Up to 0.57% p.a., paid quarterly, declared for Q1 2026
Minimum balance: AED 5,000
SavingsCOMMERCIAL BANK OF DUBAI (CBD)
CBD Al Islami GreenGrowth Account
No monthly fee
Profit rate: Up to 1.25% p.a., paid quarterly
No minimum balance
SavingsFIRST ABU DHABI BANK (FAB)
FAB Emirati Al Awwal Savings Certificate
No monthly fee
Profit rate: 0.5% p.a.
Regular cash prize draws
SavingsEMIRATES ISLAMIC
Emirates Islamic Investment Savings Account
Monthly fee: AED 26.25/month below AED 3,000
Profit rate: 0.35% p.a., paid quarterly
Minimum balance: AED 3,000
SavingsMASHREQ BANK
Mashreq Islamic Basic Savings Account
Monthly fee: AED 26.25/month below AED 3,000
Profit rate: 0.29% p.a., paid quarterly, declared for Q3 2026
Banking model: Shariah-compliant
SavingsABU DHABI ISLAMIC BANK (ADIB)
ADIB Ghina Salary Account
Monthly fee: AED 26.25/month below AED 3,000
Profit rate: Up to 0.3% p.a., paid monthly, declared for July 2026
Minimum balance: AED 3,000
SavingsABU DHABI ISLAMIC BANK (ADIB)
ADIB Ghina Savings Account
Monthly fee: AED 26.25/month below AED 3,000
Profit rate: Up to 0.3% p.a., paid monthly, declared for July 2026
Minimum balance: AED 3,000
SavingsABU DHABI ISLAMIC BANK (ADIB)
ADIB Savings Account
Monthly fee: AED 26.25/month below AED 3,000
Profit rate: Up to 0.3% p.a., paid monthly, declared for July 2026
Minimum balance: AED 3,000
SavingsRAKBANK
RAKBANK Islamic Savings Account
Monthly fee: AED 26.25/month below AED 3,000
Profit rate: Up to 7% p.a.
Minimum balance: AED 3,000
SavingsEMIRATES ISLAMIC
Emirates Islamic Kunooz Millionaire Account
Monthly fee: AED 26.25/month below AED 3,000
Profit rate: 0.1% p.a., paid quarterly
Minimum balance: AED 3,000
SavingsRAKBANK
RAKBANK Islamic Call Investment Deposit
Monthly fee: AED 26.25/month below AED 3,000
Profit rate: 0.1% p.a., paid quarterly
Minimum balance: AED 3,000
SavingsABU DHABI COMMERCIAL BANK (ADCB)
ADCB Islamic Millionaire Destiny Savings Account
Monthly fee: Free to AED 100/month
Profit rate: 0.01% p.a., paid quarterly, declared for Q2 2026
Regular cash prize draws
SavingsDUBAI ISLAMIC BANK
DIB Al Islami E-Savings Account
Banking model: Shariah-compliant
Profit rate: 0.2% p.a., paid quarterly, declared for Q2 2026
No minimum balance
SavingsDUBAI ISLAMIC BANK
DIB Shaatir Savings Account
No monthly fee
Profit rate: 0.3% p.a., paid quarterly, declared for Q2 2026
No minimum balance
CurrentRUYA COMMUNITY ISLAMIC BANK
ruya Current Account
No monthly fee
Account opening: Fully digital, no branch visit
No minimum balance
CurrentABU DHABI ISLAMIC BANK (ADIB)
ADIB Current Account
Monthly fee: AED 26.25/month below AED 3,000
Banking model: Shariah-compliant
Minimum balance: AED 3,000
CurrentABU DHABI ISLAMIC BANK (ADIB)
ADIB Electron Account
Monthly fee: AED 26.25/month below AED 3,000
Banking model: Shariah-compliant
Minimum balance: AED 3,000
CurrentDUBAI ISLAMIC BANK
DIB Al Islami 2-in-1 Account
Monthly fee: AED 26.25/month below AED 3,000
Profit rate: 0.15% p.a., paid quarterly, declared for Q2 2026
Minimum balance: AED 3,000
CurrentDUBAI ISLAMIC BANK
DIB Al Islami Current Account
Monthly fee: AED 26.25/month below AED 3,000
Banking model: Shariah-compliant
Minimum balance: AED 3,000
SavingsDUBAI ISLAMIC BANK
DIB Al Islami Savings Account
Monthly fee: AED 26.25/month below AED 3,000
Profit rate: 0.12% p.a., paid quarterly, declared for Q2 2026
Minimum balance: AED 3,000
CurrentDUBAI ISLAMIC BANK
DIB Johara Current Account
Monthly fee: AED 26.25/month below AED 3,000
Banking model: Shariah-compliant
Minimum balance: AED 3,000
CurrentEMIRATES ISLAMIC
Emirates Islamic Current Account
Monthly fee: AED 26.25/month below AED 3,000
AED + foreign currencies
Minimum balance: AED 3,000
CurrentFIRST ABU DHABI BANK (FAB)
FAB Islamic Current Account
Monthly fee: AED 26.25/month below AED 3,000
Account opening: Fully digital, no branch visit
Minimum balance: AED 3,000
CurrentMASHREQ BANK
Mashreq Islamic Current Account
Monthly fee: AED 26.25/month below AED 3,000
Banking model: Shariah-compliant
Free debit card
CurrentRAKBANK
RAKBANK Islamic Current Account
Monthly fee: AED 26.25/month below AED 3,000
Transfers to 170+ Countries
Minimum balance: AED 3,000
CurrentCOMMERCIAL BANK OF DUBAI (CBD)
CBD Al Islami Current Account
Monthly fee: AED 26.25/month below AED 5,000
Account opening: Fully digital, no branch visit
Minimum balance: AED 5,000
SavingsABU DHABI ISLAMIC BANK (ADIB)
ADIB Short Term Investment Account
Banking model: Shariah-compliant
Profit rate: Up to 0.55% p.a., paid monthly, declared for August 2026
Opening deposit: AED 10,000
CurrentMASHREQ BANK
Mashreq Islamic NEO Plus Current Account
Banking model: Shariah-compliant
Free Local and International Transfers
Free debit card
SavingsABU DHABI ISLAMIC BANK (ADIB)
ADIB Xpress Account
Monthly fee: AED 2.1/month
Profit rate: Up to 0.3% p.a., declared for July 2026
No minimum balance
SavingsABU DHABI COMMERCIAL BANK (ADCB)
ADCB Islamic Goal Savings Account
Monthly fee: Free to AED 100/month
Profit rate: Up to 4.5% p.a.
Banking model: Shariah-compliant
SavingsABU DHABI COMMERCIAL BANK (ADCB)
ADCB Islamic Active Saver Account
Monthly fee: Free to AED 100/month
Profit rate: Up to 2.25% p.a., paid monthly
Banking model: Shariah-compliant
CurrentABU DHABI COMMERCIAL BANK (ADCB)
ADCB Islamic Elite Account
Monthly fee: Free to AED 100/month
Profit rate: 0.2% p.a., paid quarterly, declared for Q2 2026
Banking model: Shariah-compliant
SavingsABU DHABI COMMERCIAL BANK (ADCB)
ADCB Islamic Savings Account
Monthly fee: Free to AED 100/month
Profit rate: 0.1% p.a., paid quarterly, declared for Q2 2026
Banking model: Shariah-compliant
SavingsABU DHABI COMMERCIAL BANK (ADCB)
ADCB Islamic Special Savings Account
Monthly fee: Free to AED 100/month
Profit rate: 0.1% p.a., paid quarterly, declared for Q2 2026
Banking model: Shariah-compliant
SavingsABU DHABI COMMERCIAL BANK (ADCB)
ADCB Islamic Emirati Millionaire Savings Account
Monthly fee: Free to AED 100/month
Profit rate: 0.01% p.a., paid quarterly, declared for Q2 2026
Regular cash prize draws
SavingsABU DHABI COMMERCIAL BANK (ADCB)
ADCB Islamic Super Saver Account
Monthly fee: Free to AED 100/month
Profit rate: Up to 5.5% p.a., paid monthly
Banking model: Shariah-compliant
CurrentABU DHABI COMMERCIAL BANK (ADCB)
ADCB Islamic Current Account
Monthly fee: Free to AED 100/month
Banking model: Shariah-compliant
Free debit card
SavingsABU DHABI ISLAMIC BANK (ADIB)
ADIB Amwali Account
Banking model: Shariah-compliant
Free Amwali Transfers
Free debit card
SavingsABU DHABI ISLAMIC BANK (ADIB)
ADIB Amwali Goal Account
Banking model: Shariah-compliant
Account opening: Fully digital, no branch visit
Closure fee: AED 105 in the first 6 months
SavingsABU DHABI ISLAMIC BANK (ADIB)
ADIB Banoon Savings Account
Banking model: Shariah-compliant
Free debit card
Opening deposit: AED 0
SavingsABU DHABI ISLAMIC BANK (ADIB)
ADIB Seed Saving Account
Banking model: Shariah-compliant
Free debit card
No minimum balance
SavingsABU DHABI ISLAMIC BANK (ADIB)
ADIB Student Savings Account
Banking model: Shariah-compliant
Residency: UAE residents only
No minimum balance
CurrentCOMMERCIAL BANK OF DUBAI (CBD)
CBD Al Islami Foreign Currency Account
Banking model: Shariah-compliant
Account opening: Fully digital, no branch visit
Residency: UAE residents only
CurrentDUBAI ISLAMIC BANK
DIB Al Islami Payroll 2-in-1 Account
Monthly fee: Free to AED 20/month
Banking model: Shariah-compliant
Opening deposit: AED 0
CurrentDUBAI ISLAMIC BANK
DIB Al Islami Payroll Current Account
Monthly fee: Free to AED 20/month
Banking model: Shariah-compliant
Opening deposit: AED 0
SavingsDUBAI ISLAMIC BANK
DIB Al Islami Payroll Savings Account
Monthly fee: Free to AED 20/month
Banking model: Shariah-compliant
Opening deposit: AED 0
SavingsDUBAI ISLAMIC BANK
DIB Johara Savings Account
Monthly fee: AED 26.25/month below AED 3,000
Banking model: Shariah-compliant
Minimum balance: AED 3,000
SavingsDUBAI ISLAMIC BANK
DIB Millionaire Account
Monthly fee: AED 26.25/month below AED 3,000
Regular cash prize draws
Minimum balance: AED 3,000
SavingsEMIRATES ISLAMIC
Emirates Islamic e-Savings Account
Banking model: Shariah-compliant
Profit rate: Up to 1.5% p.a., paid monthly
No minimum balance
SavingsFIRST ABU DHABI BANK (FAB)
FAB Islamic Savings Account
Monthly fee: AED 26.25/month below AED 3,000
Banking model: Shariah-compliant
Minimum balance: AED 3,000
SavingsMASHREQ BANK
Mashreq Islamic Multi Currency Account
Banking model: Shariah-compliant
Profit rate: 0.01% p.a., paid monthly
No minimum balance
SavingsMASHREQ BANK
Mashreq Islamic Nature Saver Account
Monthly fee: AED 26.25/month below AED 3,000
Profit rate: Up to 2.5% p.a., paid monthly
Banking model: Shariah-compliant
SavingsRAKBANK
RAKBANK Watani Starter Account
Banking model: Shariah-compliant
Account type: Savings account
No minimum balance
SavingsRUYA COMMUNITY ISLAMIC BANK
ruya Kids Savings Account
Banking model: Shariah-compliant
Profit rate: 1.18% p.a., declared for Q3 2026
No minimum balance
DepositABU DHABI COMMERCIAL BANK (ADCB)
ADCB Islamic Sustainable Wakala Deposit
Minimum: AED 25,000
Profit rate: Up to 4% p.a.
Tenure: 1 month to 36 months
DepositABU DHABI COMMERCIAL BANK (ADCB)
ADCB Islamic Term Investment Deposit
Minimum: AED 5,000
Profit rate: Up to 2.5% p.a.
Tenure: 1 month to 12 months
DepositABU DHABI COMMERCIAL BANK (ADCB)
ADCB Islamic Upfront Wakala Deposit
Minimum: AED 25,000
Profit rate: Up to 2.8% p.a.
Tenure: 3 months to 36 months
DepositABU DHABI COMMERCIAL BANK (ADCB)
ADCB Islamic Wakala Century Deposit
Minimum: AED 5,000
Profit rate: Up to 2.65% p.a.
Tenure: 50 days to 500 days
DepositABU DHABI COMMERCIAL BANK (ADCB)
ADCB Islamic Wakala Deposit
Minimum: AED 50,000
Profit rate: Up to 4% p.a.
Tenure: 1 month to 13 months
DepositABU DHABI COMMERCIAL BANK (ADCB)
ADCB Monthly / Quarterly Profit Wakala Deposit
Minimum: AED 25,000
Profit rate: Up to 2.6% p.a.
Tenure: 3 months to 18 months
DepositABU DHABI ISLAMIC BANK (ADIB)
ADIB Investment Deposit Account
Minimum: AED 10,000
Profit rate: Up to 0.86% p.a.
Tenure: 1 month to 60 months
DepositCOMMERCIAL BANK OF DUBAI (CBD)
CBD Al Islami Bonus Booster Deposit
Monthly contribution: AED 1,000
Profit rate: 1% p.a.
Tenure: 36 months
DepositCOMMERCIAL BANK OF DUBAI (CBD)
CBD Al Islami Mudaraba Investment Deposit
Minimum: AED 10,000
Profit rate: Up to 2.58% p.a.
Tenure: 1 month to 12 months
DepositCOMMERCIAL BANK OF DUBAI (CBD)
CBD Al Islami Premium Saver Deposit
Monthly contribution: AED 5,000
Transfers: Standing Order Funding
Tenure: 18 months
DepositCOMMERCIAL BANK OF DUBAI (CBD)
CBD Al Islami Step-Up Deposit
Minimum: AED 10,000
Banking model: Shariah-compliant
Tenure: 720 days
DepositCOMMERCIAL BANK OF DUBAI (CBD)
CBD Al Islami Wakala Investment Deposit
Minimum: AED 10,000
Banking model: Shariah-compliant
Payout: Profit paid at maturity
DepositDUBAI ISLAMIC BANK
DIB Advance Profit Payment Wakala Deposit
Minimum: AED 25,000
Profit rate: Up to 5% p.a.
Tenure: 6 months to 12 months
DepositDUBAI ISLAMIC BANK
DIB Al Islami Investment Deposit
Minimum: AED 5,000
Profit rate: Up to 0.48% p.a.
Tenure: 1 month to 12 months
DepositDUBAI ISLAMIC BANK
DIB Long-Term Wakala Deposit
Minimum: AED 25,000
Profit rate: Up to 5.2% p.a.
Tenure: 36 months to 60 months
DepositDUBAI ISLAMIC BANK
DIB Maximiser Wakala Deposit
Minimum: AED 10,000
Profit rate: 4.1% p.a.
Tenure: 18 months
DepositDUBAI ISLAMIC BANK
DIB Monthly Profit Payment Wakala Deposit
Minimum: AED 25,000
Profit rate: Up to 5.05% p.a.
Tenure: 3 months to 60 months
DepositDUBAI ISLAMIC BANK
DIB Recurring Wakala Deposit
Monthly contribution: AED 1,000
Profit rate: Up to 5.1% p.a.
Tenure: 12 months to 60 months
DepositDUBAI ISLAMIC BANK
DIB Retail Wakala Deposit
Minimum: AED 25,000
Profit rate: Up to 5.15% p.a.
Tenure: 1 month to 24 months
DepositDUBAI ISLAMIC BANK
DIB USD Wakala Deposit
Minimum: USD 5,000
Profit rate: Up to 4.7% p.a.
Tenure: 1 month to 12 months
No monthly fee
CurrentFIRST ABU DHABI BANK (FAB)
FAB Amana Islamic Account
Monthly fee: AED 26.25/month below AED 3,000
Account opening: Fully digital, no branch visit
Minimum balance: AED 3,000
DepositFIRST ABU DHABI BANK (FAB)
FAB Islamic Term Deposit Mudarabah
Minimum: AED 10,000
Profit rate: Up to 1.48% p.a.
Tenure: 1 month to 12 months
DepositFIRST ABU DHABI BANK (FAB)
FAB Islamic Term Deposit Wakalah
Minimum: AED 500,000
Profit rate: Up to 4.3% p.a.
Tenure: 7 days to 12 months
DepositMASHREQ BANK
Mashreq Islamic Mudarabah Term Investment Account
Minimum: AED 10,000
Profit rate: Up to 1.94% p.a.
Tenure: 7 days to 12 months
DepositMASHREQ BANK
Mashreq Islamic Wakala Deposit
Minimum: AED 2,500
Profit rate: Up to 3.19% p.a.
Tenure: 1 month to 24 months
DepositRAKBANK
RAKBANK Fawrun Term Deposit
Minimum: AED 15,000
Profit rate: Up to 5% p.a.
Tenure: 1 month to 36 months
DepositRAKBANK
RAKBANK Islamic Term Investment Deposit
Minimum: AED 25,000
Banking model: Shariah-compliant
Tenure: 1 month to 12 months
DepositRUYA COMMUNITY ISLAMIC BANK
ruya Mudaraba Term Deposit
Minimum: AED 5,000
Profit rate: Up to 3.08% p.a.
Tenure: 1 month to 12 months
DepositRUYA COMMUNITY ISLAMIC BANK
ruya Wakala Investment Deposit
Minimum: AED 5,000
Profit rate: Up to 3.75% p.a.
Tenure: 1 day to 12 months
Frequently asked questions
Get answers to common questions about islamic accounts