The ADIB Saving Account is based on Islamic banking principles, particularly the principle of Qard Hasan—a benevolent loan where the bank holds your funds in trust without paying or charging interest. This account provides flexibility, security, and convenience, making it suitable for salaried individuals, business owners, and anyone seeking ethical banking alternatives.
ADIB savings accounts adhere to Islamic banking principles. Therefore, they don’t pay traditional interest. Instead, they offer profit-sharing based on the Shariah-compliant Mudarabah principle. The profit rate is 0.50%* for all supported currencies—AED, USD, EUR, and GBP.
The account requires a minimum balance to avoid monthly maintenance charges, which vary based on the currency. Also, account holders receive periodic profit distributions, typically every quarter, depending on the bank’s performance.
Why Choose an ADIB Saving Account?
The ADIB Saving Account is built on the Mudarabah principle, where the customer (you) acts as a capital provider, and the bank is the manager (Mudarib) of those funds. Profits are distributed according to a pre-agreed ratio and shared every month.
Here are the primary ADIB saving account benefits:
The ADIB Savings Account adheres to Islamic banking principles. Your money is invested based on Mudarabah, and profits are shared monthly between you and the bank as agreed.
To keep your ADIB Saving Account active, you need to maintain a balance of at least AED 3,000. This helps avoid extra charges and keeps your account running smoothly.
You can open your ADIB Savings Account in various currencies, including the Dirham, US Dollar, Euro, or British Pound, making it ideal for international savings or travel needs.
You’ll get a free Visa Debit Card with your ADIB Saving Account. Use it safely for shopping, ATM withdrawals, and online purchases, both locally and internationally.
Enjoy complete control of your ADIB account at any time. Check your balance, transfer money, or pay bills through easy-to-use online and mobile banking platforms from anywhere.
Your ADIB debit card comes with daily limits for ATM withdrawals and shopping. This helps you manage spending safely and protects your money from misuse or fraud.
As a new ADIB saver, you may enjoy special offers or bonuses for a limited time. These promotions reward you for starting your savings journey with ADIB.
The ADIB Saving Account is available to a wide range of customers, including UAE nationals, GCC nationals, and both resident and non-resident expatriates. It is open to salaried individuals, self-employed professionals, and non-salaried individuals. The account is direct to open and adheres to Islamic banking principles, ensuring a safe and transparent way to save money.
To open an ADIB Saving Account, you’ll need to submit the following documents:
A completed ADIB account opening form
A valid passport copy, residence visa, and Emirates ID (originals must be presented for verification)
A recent salary certificate addressed to ADIB (issued within the last 30 days) or valid proof of income for non-salaried individuals
Note: Depending on your profile, Saving account ADIB may request additional documents.
Dhanguard will assist you throughout the entire documentation process, making it smooth and convenient.
The ADIB Saving Account is more than just a savings solution—it's a commitment to ethical, Shariah-compliant banking to modern financial needs. With a consistent ADIB savings account profit rate of 0.50% across AED, USD, EUR, and GBP and a required minimum ADIB savings account balance of AED 3,000* to earn monthly profits, this account offers value. Whether you're a UAE national, an expat, a salaried professional, or an entrepreneur, ADIB provides a reliable platform to grow your savings ethically.
With Dhanguard by your side, opening your ADIB Saving Account is convienct—we assist you throughout the process, from document preparation to ensuring compliance with bank requirements.
Contact Dhanguard today for more details and personalized assistance.
Opening a Abu Dhabi Islamic Saving 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 Saving 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 Saving 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 Saving 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.
