In today's fast-moving financial world, having a reliable and Sharia-compliant current account is essential—especially in the UAE. The Abu Dhabi Islamic Bank (ADIB) is one of the most trusted Islamic banking institutions in the region, and its ADIB Current Account is a popular choice for both individuals and businesses.
Whether you're a UAE national, an expatriate resident, or a business owner, this guide will walk you through everything you need to know about the ADIB current account, from its features and benefits to opening requirements, charges, and eligibility criteria. Dhanguard simplifies your ADIB account setup with expert guidance, from choosing the right account to completing all documentation smoothly.
An ADIB Current Account is a Sharia-compliant banking solution suitable to meet the everyday financial needs of both individuals and businesses. It provides ethical, flexible, and interest-free banking services, making it a preferred choice for those seeking the benefits of Islamic banking.
The ADIB current account ensures secure and interest-free access to your funds. It comes with a range of features, including a complimentary debit card, user-friendly online banking, and multi-currency support to facilitate smooth daily transactions.
Anyone aged 21 or above—including UAE Nationals, GCC Nationals, and Resident Expatriates, whether salaried, self-employed, or non-salaried—can open an ADIB current account, provided they meet the minimum salary requirement of AED 5,000*.
Here's what makes the Abu Dhabi Islamic Bank's current account so attractive :
Enjoy the convenience of a complimentary ADIB Visa Debit Card, providing easy access to funds and secure transactions at millions of locations worldwide.
Manage your account effortlessly with the ADIB Mobile Banking App. Enjoy real-time transactions, fund transfers, and bill payments—anytime, anywhere—through a user-friendly and secure digital platform.
Access your account around the clock with ADIB’s internet, mobile, SMS, and telephone banking services. Experience complete control of your finances, even outside regular banking hours.
Handle international transactions easily with support for AED, USD, GBP, and EURO. Ideal for individuals working with global clients or frequently traveling internationally.
Benefit from an instant overdraft facility when your salary is AED 8,000* or more—providing you financial flexibility for urgent needs without disrupting your monthly budget.
Bank ethically with ADIB’s Sharia-compliant current account, designed to align with Islamic financial principles, offering peace of mind and transparent, interest-free services.
To maintain your ADIB current account, you are required to keep a minimum balance of AED 3,000*.
Monthly Maintenance Fee: AED 0 (if the minimum balance is maintained)
Penalty Fee: AED 25* per month (if the minimum balance falls below AED 3,000)
If you're seeking an ADIB zero balance current account, please note that this option is not available under the standard current account offerings. However, alternative account types or salary transfer-based packages may be more suitable depending on your needs.
Note: ADIB current account charges may vary depending on the type of services selected. For the latest details and personalized guidance, contact Dhanguard to help you simplify the process.
To proceed with ADIB current account opening, you'll need to submit the following:
For Individuals:
Original and valid passport
Valid Emirates ID
UAE residence visa
Proof of Address (such as utility bill or tenancy contract)
Minimum Salary Declaration of AED 5,000*
For Business Accounts:
Valid Trade License
Memorandum of Association (MOA)
Share Certificate
Certificate of Incorporation
Passport & Emirates ID of all partners
Board Resolution (if applicable)
Tip: Requirements may vary slightly based on the type of applicant. To ensure an accurate and convenient application, Dhanguard will guide you through the entire process and help you meet all ADIB requirements efficiently.
Opening an Abu Dhabi Islamic Bank (ADIB) Current Account is easy—and with Dhanguard by your side, it’s even easier. We provide personalized support to ensure the entire process is smooth and hassle-free.
Dhanguard will help you every step of the way. We’ll assist you in preparing the required documents, completing forms accurately, and coordinating with the bank to minimize delays and ensure prompt approval.
The ADIB current account offers the right mix of traditional Islamic banking with modern digital features. With benefits such as free debit cards, no monthly fees (if the balance is maintained), and multi-currency access, it's an excellent choice for anyone seeking to bank ethically and efficiently in the UAE.
Whether you're a salaried employee, freelancer, or entrepreneur, ADIB makes it easy to manage your money with trust and convenience.
Let Dhanguard help you through the entire process—from choosing the correct account to completing all paperwork smoothly. Ensuring you meet the ADIB current account minimum balance requirements without difficulty.
Opening a Abu Dhabi Islamic Current bank account in the UAE from abroad is possible, but the specific requirements and procedures may vary among banks. Some banks offer online account opening services, while others may require you to visit a branch in person or provide additional documentation.
Yes, a foreign company can open Abu Dhabi Islamic Current bank account in Dubai. However, the requirements and procedures may vary depending on the bank and the type of company. It is advisable to contact the bank directly to inquire about their specific requirements for foreign companies.
Yes, you can open a Abu Dhabi Islamic Current Bank Business Bank Account in the UAE. The process typically involves providing the necessary documents, such as company registration papers, proof of address, and identification documents of authorized signatories. Different banks may have varying requirements and minimum deposit amounts.
Opening a Abu Dhabi Islamic Current Bank Business Bank Account in a different country is possible, but the specific procedures and requirements will depend on the country and the bank. Some banks may require you to have a physical presence or meet specific criteria, while others may offer remote account opening options.
