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
Best Salary Transfer Accounts in the UAE (2026)
Transferring your salary to these accounts waives the monthly fee and, in some cases, is a requirement for the product itself. Compare minimum salary thresholds before applying.
Savings
SavingsMASHREQ BANK
Mashreq Daily Bonus Account
Monthly fee: AED 26.25/month below AED 3,000
Interest rate: Up to 1.5% p.a.
Transfers: Unlimited Withdrawals
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
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
SavingsCOMMERCIAL BANK OF DUBAI (CBD)
CBD Savings Account
Monthly fee: AED 105/month below AED 5,000
Interest rate: Up to 0.1% p.a., paid half-yearly
Minimum balance: AED 5,000
SavingsHSBC
HSBC Savings Account
Monthly fee: AED 26.25/month below AED 3,000
Interest rate: Up to 5.01% p.a.
Minimum balance: AED 3,000
SavingsWIO BANK
Wio Saving Spaces
Monthly fee: Wio plan: free to AED 49/month
Interest rate: Up to 3.25% p.a., paid monthly
No minimum balance
CurrentEMIRATES ISLAMIC
Emirates Islamic Current Account
Monthly fee: AED 26.25/month below AED 3,000
AED + foreign currencies
Minimum balance: AED 3,000
CurrentEMIRATES NBD
Emirates NBD Current Account
Monthly fee: AED 26.25/month below AED 3,000
Transfers: DirectRemit
Minimum balance: AED 3,000
CurrentHSBC
HSBC Personal Banking Account
Monthly fee: AED 26.25/month below AED 3,000
Fee Free Local Currency Transfers
Minimum balance: AED 3,000
CurrentLIV DIGITAL BANK BY EMIRATES NBD
Liv Primary Account
Monthly fee: AED 26.25/month below AED 3,000
Transfers: Quick Remittances
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
CurrentMASHREQ BANK
Mashreq NEO Current Account
Monthly fee: AED 26.25/month below AED 3,000
Free debit card
Residency: UAE residents only
SavingsMASHREQ BANK
Mashreq Savings Account
Monthly fee: AED 26.25/month below AED 3,000
Free debit card
No interest paid
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
CurrentCOMMERCIAL BANK OF DUBAI (CBD)
CBD Current Account
Monthly fee: AED 105/month below AED 5,000
Transfers: Instant Remittance
Minimum balance: AED 5,000
CurrentCOMMERCIAL BANK OF DUBAI (CBD)
CBD Digital Current Account
Monthly fee: AED 105/month below AED 5,000
Account opening: Fully digital, no branch visit
Minimum balance: AED 5,000
CurrentWIO BANK
Wio Personal Current Account
Monthly fee: Wio plan: free to AED 49/month
AED + foreign currencies
Free debit card
CurrentABU DHABI COMMERCIAL BANK (ADCB)
ADCB Universal Account
Monthly fee: AED 2/month
Local and International Transfers
No minimum balance
CurrentWIO BANK
Wio Family Account
Monthly fee: AED 49/month, waivable
Account opening: Fully digital, no branch visit
Free debit card
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
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
Frequently asked questions
Get answers to common questions about salary transfer accounts