Savings Account Features

Account Details:

• Minimum Balance: AED 3,000.
• Eligibility: Available for children and joint applicants.
• Debit Card: Free international debit card.
• Currency: Accounts can only be opened in AED.
• Interest: Paid monthly.
• Withdrawals: Unlimited.

Interest Rates Based on Deposit Amount:

• Less than AED 300,000: 1.75%
• AED 300,000 to AED 500,000: 2.50%
• AED 500,000 to AED 2,000,000: 3.00%
• AED 2,000,000 to AED 5,000,000: 3.25%
• AED 5,000,000 to AED 10,000,000: 3.52%
• AED 10,000,000 and above: 0.55%

Interest rates are based on the daily balance.

Required Documents:

• For All Applicants:
  • Original passport (valid for at least 1 month).
  • Valid Emirates ID.
  • Valid visa for expatriates.
  • Proof of address (e.g., bank statement, utility bill, letter of employment, or tenancy agreement).
• For Children’s Applications:
  • Birth certificate or passport of the child.

Open your savings account today and enjoy competitive interest rates, unlimited withdrawals, and the convenience of a free international debit card.

Interest Rates Based on Deposit Amount:

• Less than AED 300,000: 1.75%
• AED 300,000 to AED 500,000: 2.50%
• AED 500,000 to AED 2,000,000: 3.00%
• AED 2,000,000 to AED 5,000,000: 3.25%
• AED 5,000,000 to AED 10,000,000: 3.52%
• AED 10,000,000 and above: 0.55%

Interest rates are calculated based on the daily balance.

Required Documents:

• For All Applicants:
  • Original passport (valid for at least 1 month before expiry).
  • Valid Emirates ID.
  • Valid visa for expatriates.
  • Proof of address (e.g., bank statement, utility bill, letter of employment, or tenancy agreement).
• For Non-Residents:
  • Reference letter from your current bank.

Minimum Deposit:

• AED 10,000 or equivalent to open the account.

Terms and Conditions:

• New Funds Only: Existing customers can avail this rate only on receipt of new funds.
• Account Opening: eSaver account can only be opened using Internet Banking.
• Withdrawals: Limited to one withdrawal per month.
• Limited Time Offer: This offer is available for a limited time only.
• Additional Terms: Other terms and conditions may apply.

Fixed Deposit Account Features

Key Features:

• Minimum Deposit: Start with a deposit of as little as AED 1,000.
• Flexible Tenors: Choose from flexible saving periods ranging from 6 to 60 months.
• Interest Rate: Attractive fixed interest rate.
• Maturity Benefits: Receive the full value plus interest upon maturity.
• Early Closure: No interest is payable if the account is closed before maturity.

Required Documents:

• For All Applicants:
  • Original passport (valid for at least one month).
  • Valid Emirates ID.
  • Valid visa for expatriates.
  • Proof of address (e.g., bank statement, utility bill, employer’s letter, or tenancy contract).
• For Accounts on Behalf of a Child:
  • Birth certificate or passport of the child.

Open a Fixed Deposit Account to enjoy attractive interest rates and flexible saving options. Ensure you have the necessary documents ready to start your deposit today!

Savings Account Features

Interest and Benefits:

• Interest Rate: 0.15% per annum, paid semi-annually.
• Debit Card: Free international debit card.
• Currency Options: Available in major currencies including AED, USD, EUR, and GBP.
• Banking Access: Manage your money anytime with free banking by ATM, online, and by phone.
• Account Statements: Free monthly account statements.
• Remittance Rates: Enjoy attractive rates for remittances.

Account Requirements:

• Minimum Balance: Maintain a minimum balance of AED 3,000 or equivalent.
• Minimum Deposit: AED 3,000 or equivalent to open the account.

Supporting Documents:

• For All Applicants:
  • Original passport (valid for at least 1 month).
  • Valid Emirates ID.
  • Proof of address (e.g., bank statement, utility bills, employer letter, tenancy contract).
• For Expatriates:
  • Valid visa.
• For Non-Residents:
  • Reference letter from your current bank.

Manage your savings efficiently with easy online and phone access, and enjoy the benefits of competitive interest rates and a free international debit card. Visit your nearest branch to open your account today!

Savings Account Prize Draw Features

Major Prizes:

• Top Prize: AED 1 million, awarded annually.
• Quarterly Prize: AED 100,000, drawn every quarter.
• Additional Entries: Earn one extra prize draw entry for every additional AED 500 in your account.

Account Features:

• Minimum Balance: Maintain an average balance of AED 10,000 during the month before each draw to qualify.
• Interest Rate: 0.1% per annum, paid semi-annually.
• Debit Card: Free international debit card.
• Insurance: Free life insurance.
• Account Types: Available for children and joint account holders.
• Eligibility: For personal banking customers only.

Supporting Documents:

• For All Applicants:
  • Original passport (valid for at least 1 month).
  • Valid Emirates ID.
  • Proof of address (e.g., bank statement, utility bills, employer letter, tenancy contract).
• For Expatriates:
  • Valid visa.
• For Minors:
  • Birth certificate or passport.

Open your savings account today and stand a chance to win major prizes while enjoying a range of benefits. Visit your nearest branch for more information and to get started!

Citi Savings Account: Achieve Your Savings Goals Faster

Whether you’re saving for a big purchase or a rainy day, a Citi Savings Account can help you reach your financial goals more quickly. Benefit from competitive interest rates and enjoy easy access to your savings at any time.

Key Features:

• Competitive Interest Rates: Grow your savings with attractive interest rates.
• Monthly Interest: Interest is calculated on the minimum monthly balance and credited to your account every month.
• High Withdrawal Limits: Withdraw up to AED 40,000 per day via Citi ATMs worldwide. Withdrawals at non-Citi ATMs incur a fee of AED 2 per transaction in the UAE and abroad.
• Currency Options: Save in a range of major currencies.
• 24-Hour Banking Services: Enjoy a wide spectrum of online banking functions with 24-hour Citiphone banking, Citibank online banking, and mobile banking.

Benefits:

• Easy Access: Enjoy easy access to your savings at all times through the vast network of Citi ATMs globally.
• Flexible Currency Options: Save in multiple major currencies according to your preference.
• Convenient Banking: Use Citibank’s online banking and mobile banking services to manage your account anytime, anywhere.

Eligibility:

• Minimum Age Requirement: Applicants must be at least 18 years old.

Open a Citi Savings Account today and move closer to your savings goals. Visit your nearest Citi branch to get started!

Simple Steps to Begin Your Banking Journey:

1. Register & Snap Your Document: Easy registration by capturing your document image.
2. Share a Few Details: Provide basic personal information.
3. Receive Your Debit Card: The bank delivers your debit card right to your doorstep.

Attractive Features:

• Profit Rate: Earn a 0.33% profit rate per month, calculated on your average monthly balance.
• No Fees: No fees or charges applicable.
• No Minimum Balance: No requirement to maintain a minimum balance.

Download the App:

• App Store: Available for download on the App Store.
• Google Play: Get it now on Google Play.

Exciting Prize Draws:

• Grand Prize: One prize of AED 1 Million awarded every month.
• Monthly Prizes: 20 monthly prizes of AED 1,000 each.

Eligibility for the Prize Draw:

1. Maintain Balance or Salary Transfer: Maintain a minimum average balance of AED 5,000 or transfer your salary to Al Hilal Bank.
2. Extra Entries: Every additional AED 5,000 in your balance gives you an extra draw entry, increasing your chances to win.
3. Salary Transfer Bonus: Transfer your salary to an Al Hilal current or savings account and receive an additional entry to the draw (Minimum eligible salary is AED 5,000 per month).

Benefits of Saving with Al Hilal Bank:

• High Profit Rates: Enjoy one of the most attractive profit rates in the market.
• Millionaire Opportunity: Save and stand a chance to become a millionaire with the prize draw.

Key Features:

• Shariah Compliance: Fully compliant with Shariah principles.
• Prizes:
  • AED 1 Million prize every month.
  • 20 prizes of AED 1,000 each month.
• Profit Distribution: Monthly profit distribution.
• Thumb Impression Recognition: Facility available for added security.
• No ‘Fall Below’ Fee: No charges for not maintaining a minimum balance.
• Currency Options: Available in AED, USD, GBP, EUR, and CAD.
• Personalized Account Number: Enjoy a personalized account number.
• Free Visa Debit Card: Receive a free personalized Visa Debit Card.
• Free E-Statement: Monthly e-statements at no extra cost.
• Comprehensive Banking Facilities: Access to free Internet, Mobile, SMS, and 24/7 Automated Banking facilities.

Shari’a Compliance

• Principle: This investment account operates on the Islamic principle of Mudaraba, where profits are shared, and losses are borne as stipulated in the Banking Service Agreement.

ADIB Banoon Account Features

Features:

• Free Darhoom Prepaid Debit Card: The first prepaid card designed for children.
• Standing Instructions: Conveniently set up regular transfers from your ADIB account to your child’s Banoon Account.
• No Minimum Balance: No requirement to maintain a minimum balance.
• Attractive Profit Rate: Earn profits on your savings.
• Darhoom Character: A special cartoon character created by ADIB to teach children the importance of saving in an easy and fun way.

Shari’a Compliance

• Principle: This investment account operates on the Islamic principle of Mudaraba, where profits are shared, and losses are borne as stipulated in the Banking Service Agreement.

Required Documents:

• Parent’s Documents: Passport/ID and valid Emirates ID (for UAE Nationals & Residents).
• Child’s Documents: Passport/ID and valid Emirates ID (for UAE Nationals & Residents).
• Visa: Valid visa for expatriates.
• Opening Balance: AED 1,000 as an initial deposit.

ADIB Account Benefits and Features

Free Unlimited Teller Transactions

• Access: Use teller services at any of over 80 ADIB branches across the UAE at no cost, including Dana Women’s Banking branches, 10-to-10 branches, and the 24/7 branch at Abu Dhabi Airport.

Free ADIB Visa Electron Debit Card

• Secure Access: Access your account at any ATM or retail outlet.
• Services: Check balances, withdraw cash with higher limits, pay bills, and transfer funds for free at over 700 ADIB ATMs in the UAE (charges apply for using non-ADIB ATMs locally and worldwide).
• Shopping: Use your ADIB Visa Debit card at thousands of retail stores locally and internationally.

Expected Quarterly Profits

• Profit Calculation: Profits are calculated monthly and credited quarterly.
• Eligibility: Maintain a minimum monthly balance of AED 5,000 to earn profit.

ADIB Mobile Banking App

• Convenience: Bank anytime, anywhere with the ADIB Mobile Banking App available for iPhone, Android, and Blackberry devices.
• Features:
  • Send money domestically and internationally.
  • Pay bills and recharge phone and Salik credit.
  • Locate the nearest branch or ATM.
  • Check balances and statements.
  • Apply for financing and more.
• No Data Usage: Dial *161# from your registered mobile number to bank without airtime or data usage charges.

Standing Instructions

• Automation: Set up automatic payments for regular transactions such as bill payments, transfers, donations, or installments on chosen dates.

24-Hour Banking Services

• Multiple Channels: Access banking services through the mobile app, e-ADIB Internet Banking, Telephone Banking, and SMS Banking.

Account Statements

• Delivery: Account statements are sent by postal mail quarterly and e-statements are delivered to your mailbox monthly at no extra cost.

ADIB WebSecure

• Online Shopping Security: Ensures safe online shopping.

Choice of Currency

• Options: Maintain your account in AED, US Dollar, or GBP (note: the ATM card is for use in AED currency only).

Shari’a Compliance

• Principle: This investment account operates on the Islamic principle of Mudaraba, where profits are shared, and losses are borne as stipulated in the Banking Service Agreement.

Required Documents

• Original Passport: Required for all account holders in the case of joint accounts.
• Valid Emirates ID: For UAE Nationals and Residents.
• Salary Certificate: Required if transferring your salary to this account.
• Initial Deposit: AED 3,000 if not transferring your salary to this account.

Saving is Winning with ADIB Ghina!

Our award-winning savings program now offers even greater rewards: you can win up to AED 3 million and other prizes by saving just AED 20,000 with the ADIB Ghina Savings Account.

How It Works:

1. Open a Ghina account with a minimum deposit of AED 20,000 to receive your first Ghina draw entry.
2. Earn additional entries: For every AED 20,000 in your Ghina savings maintained for a full calendar month, you receive an extra draw entry each month.
3. Bonus entries: If your balance exceeds AED 250,000 during a full calendar month, you get an extra Ghina draw coupon for every four coupons earned.
4. Minimum balance requirement: If your Ghina account balance falls below AED 20,000 at any time, you lose all accumulated Ghina draw entries. A new calculation cycle for draw entries will begin.
5. Entry requirements for grand draw: You need at least four Ghina draw entries to participate in the Ghina grand draw, with a maximum of 1,000 entries allowed per account per draw.
6. Expiration of entries: All Ghina draw entries expire and reset to zero after participating in the grand draw.

Benefits:

• Free ADIB Visa Electron Debit Card: Access your account and funds instantly at any ATM or retail outlet.
• Quarterly profits: Expected profits are calculated monthly and credited to your account quarterly.
• ADIB Mobile Banking App: Bank anytime, anywhere with the ADIB Mobile Banking App available for iPhone and Android devices.
• Standing Instructions: Automate regular transactions like bill payments, transfers, donations, or installments on your chosen dates.
• 24-Hour Banking Services: In addition to the mobile app, you have access to e-ADIB Internet Banking, Telephone Banking, and SMS Banking.

Prizes:

• Ghina grand prize: AED 3 million every four months.
• Monthly prizes: 10 winners of AED 10,000 each month.

Shari’a Compliance:

• This investment account follows the Islamic principle of Mudaraba, where profits are shared, and losses are borne according to the Banking Service Agreement.
• Prizes awarded to ADIB Ghina Winners are solely from ADIB’s shareholders’ funds, at ADIB’s discretion.

Required Documents:

• Original passport.
• Valid Emirates ID (for UAE Nationals & Residents).
• Initial deposit of AED 20,000.

Unlimited Transactions with Competitive Expected Profits

Versatile Account

Your Al Islami Savings Account, available in AED and other currencies, offers returns on your savings with every deposit.

Profitable Savings

Maximize your savings with competitive profit rates, allowing you to earn more over time.

Banking Privileges

• Salary in Advance: Access your salary anytime during the month for unexpected financial needs if you transfer your salary to a DIB account.
• Bill Payment Facility: Pay utility and telecommunication bills effortlessly.

Features

• Maintain a minimum average balance of AED 3,000 monthly.
• Linked to an Investment Deposit.
• Choose this account for repayment of other DIB financing products.
• Subscribers to Al Islami Takaful Savings Program can use this account for contributions.
• Private Banking/Wajaha relationships with DIB are supported.
• Bill payments for DEWA, SEWA, FEWA, Etisalat, Du, and Salik are facilitated.

Big Savings for Little Ones

Introduce your children to savings with an account tailored just for them, the Shaatir way.

Banking Privileges

Experience easy documentation and higher expected profits, designed specifically for our youngest customers. Enjoy additional benefits such as no maintenance fee, no minimum balance requirement, and 24-hour access to Phone and Online Banking.

Especially for Kids

The Shaatir Account, opened in your child’s name, includes a welcome pack and a Debit card. This card offers a ‘balance enquiry’ facility, making money management fun and educational for your child.

Features:

• Currency Options: Available in AED, USD, and GBP.
• Interest Rates: Up to 2% p.a. for AED, 1.25% for USD, and 0.75% for GBP.
• Easy Transfers: Quick transfers through online banking and cash deposit machines.
• Interest Calculation: Based on daily closing balance.

Key Features:

• Account Opening: Open an account in AED, USD, or GBP.
• Withdrawal Rules: One withdrawal per month does not affect the interest rate; utility bill payments are not considered withdrawals.
• Management: Account managed online.
• Eligibility: Available for salaried, non-salaried, and self-employed individuals.

Manage your personal savings with ease and privacy through an online savings account that offers a chance to earn competitive expected profits starting from an initial investment of AED 1,000.

Banking Privileges

• Access your account globally with free monthly e-statements and online banking convenience.

Bill Payment Facility

• Pay utility and telecommunication bills seamlessly, including:
  • Telecommunication: Etisalat & Du
  • Utilities: DEWA, SEWA, FEWA, Ajman Sewerage, ADDC, and Emicool
  • Government Services: RTA, DED, Noqodi, and Trakhees
  • Airlines: Air Arabia and flydubai
  • Properties: EMAAR

Expected Profit Rates

• Tier 1: AED 1 to AED 100,000
• Tier 2: AED 100,000 to AED 350,000
• Tier 3: AED 350,000 & Above

Account Features and Benefits

• Multi-Currency Availability: Open an account in AED or a variety of foreign currencies such as AUD, BHD, CAD, CNH, GBP, HKD, JOD, KWD, OMR, SAR, SGD, and USD.
• Competitive Interest Rates: Earn interest rates of up to 0.15% per annum, depending on the currency.
• Quarterly Interest Credits: Interest is credited to your account every three months.
• Flexible Currency Management: Easily withdraw or transfer funds between different currencies within the same account.

Unlimited Transactions & Competitive Expected Profits

The Al Islami Savings Account offers unlimited transactions and competitive expected profit rates, ensuring consistent returns on your savings. Available in AED and other currencies, this account provides flexibility and growth.

Profit Earning Potential

With attractive profit rates, the Al Islami Savings Account enables you to increase your earnings as you save more.

Banking Privileges

• Salary in Advance Facility: Access your salary in advance at any point during the month to cover unexpected expenses. This service is available to customers who transfer their salary to a Dubai Islamic Bank (DIB) account.
• Bill Payment Facility: Enjoy the convenience of paying utility and telecommunication bills directly from your Al Islami Savings Account.

Account Features

• Maintain a minimum average balance of AED 3,000 per month.
• The account is linked to an Investment Deposit, with the Savings Account acting as the primary liquidation account.
• Perfect for customers with additional financing products from Dubai Islamic Bank (such as Auto Finance, Personal Finance, or Home Finance) using this account for repayments.
• Option to subscribe to the Al Islami Takaful Savings Program, with contributions paid from this account.
• Benefit from maintaining an Al Islami Private Banking/Wajaha relationship with Dubai Islamic Bank.

Convenient Bill Payment

Easily pay your DEWA, SEWA, FEWA, Etisalat, Du, and Salik bills through your Al Islami Savings Account, making everyday transactions seamless and stress-free.

Super Savings Etihad Guest Account

Introducing the Super Savings Etihad Guest Account. Save and earn up to 15,000 Etihad Guest Miles with Emirates Islamic. Experience the world and travel in style by opening a Super Savings Etihad Guest Account. Simply save, and watch your balances grow with up to 15,000 Etihad Guest Miles. Redeem your Miles for flights, cabin upgrades, and more.

A world of Etihad Guest Miles awaits you:

• Receive a welcome bonus of 2,000 Miles.
• Earn up to 15,000 Etihad Guest Miles per quarter.
• Profits are paid out quarterly.

Key Benefits

Bonus Miles

Receive 2,000 bonus Etihad Guest Miles when you open your Islamic banking savings account*.

Etihad Guest Miles

Accumulate up to 150,000 Etihad Guest Miles over the first year.

Features

• Complimentary internationally recognized debit card.
• Account available in AED.
• Earn up to 15,000 Etihad Guest Miles per quarter.
• Free Savings Account with no minimum balance requirement.
• Phone banking for anytime, anywhere access to your accounts.
• SMS updates for charge card balances and other transactions.

Eligibility

• Transfer a monthly salary of AED 5,000 or more to the bank.
• Maintain a minimum quarterly average balance of AED 5,000.
• Have an Etihad Guest Membership number.

Criteria for Joining Bonus Miles

To qualify for the 2,000 Joining Bonus Miles, customers must either transfer a minimum monthly salary of AED 5,000 or maintain a minimum monthly average balance of AED 20,000 within the first two months from the account opening date (either in the month the account is opened or by the following month).