ADIB Bank Accounts

Types of ADIB Bank Accounts

With ADIB, you can find a variety of bank accounts in UAE. Each account comes with tailored features, flexible benefits, and various value-added services to meet different financial needs and lifestyles. Let’s take a look at the major ones — 

Types of ADIB Bank Accounts
ADIB Current Account	ADIB Savings Account
Banoon Children's Savings Account	Ghina Savings Account
Ghina Salary Account	Short-Term Investment Account
Investment Deposit Account	ADIB Amwali Account
Student Savings Account	Electron Account
ADIB Egypt Wasel Account	Smart Account

ADIB Current Account

This is a Shariah-compliant account based on the principle of Qard Hasan. You can access it in various currencies, including AED, GBP, and USD. Just keep in mind that the debit card facility is offered only in AED. 

When you open ADIB current account, you get access to several privileges — 

• ADIB mobile banking
• Instant overdraft facility
• Free e-statements
• Complimentary Visa debit card
• First chequebook for free and many more

That’s not all — you can also make unlimited teller transactions at 60+ ADIB branches across the UAE for free! 

ADIB Savings Account

If your goal is to save and earn profits, the ADIB savings account is an ideal choice. It is a Shariah-compliant Mudaraba account that lets you freely access your savings while earning expected profits (credited quarterly). With this type of ADIB account in UAE, you benefit from unlimited teller transactions (for free) at more than 60 branches of the bank across the UAE, a complimentary Visa debit card, and more. It also gives you a flexible and convenient banking experience by offering mobile and internet banking, 24-hour banking services, free monthly e-statements, online shopping protection through ADIB WebSecure, and more. 

Note: You must have a monthly balance of at least AED 5,000 to get profits on your account.

Banoon Children's Savings Account

If you’re a parent, ADIB Banoon Children's Savings bank account can be quite helpful — whether you want to grow funds for your child's future or instill smart financial habits in them from an early age. The most notable aspect of this account is that it comes with a free Darhoom prepaid card. It allows children to spend safely, while parents also get instant SMS alerts to monitor transactions.Furthermore, it offers profit at an attractive rate and doesn’t require any minimum balance to maintain the account. With this, you can also enjoy unlimited teller withdrawals and set up standing instructions for regular savings. It's easy to open this Mudaraba account with minimal documentation. 

Important: You need an opening balance of AED 1,000 for this account. 

Ghina Savings Account 

ADIB Ghina Savings account can be a smart move if you want to grow your savings and also enjoy a chance at exciting prizes! It features a grand prize of AED 1 million and many more each month.The account gives out profits on a quarterly basis. To be eligible for profits, you need to maintain a minimum monthly balance of AED 5,000. You can also enjoy the convenience of a free Visa debit card along with secure access to your funds anytime through ADIB's online and mobile banking. Additionally, account holders are covered under a Shariah-compliant Takaful protection scheme, providing an extra layer of peace of mind.

Ghina Salary Account

This is one of the top ADIB bank accounts in the UAE for those seeking incredible prizes every month. When you transfer your salary into this Shariah-compliant account (based on Mudaraba principles), you're entered into monthly prize draws. You could win grand rewards like AED 1 million or prizes worth AED 10,000, AED 5,000, or AED 2,000 each month.

Besides these draw benefits, the account comes with several other perks — 

• Free ADIB Visa debit card
• Free first cheque book
• Expected profits calculated monthly and credited every quarter

You also get full-time banking access through ADIB's mobile app, internet banking, telephone, and SMS services. Furthermore, the account provides the flexibility of standing instructions to automate your payments. 

Short-Term Investment Account 

If you're looking to grow your money with flexibility, the ADIB Short Term Investment account is a good option to start. It offers daily access to your funds plus a higher profit rate than a regular savings account. Note that the profit is calculated daily and paid monthly. You also benefit from standing instructions for automatic transfers, foreign currency remittance in USD and GBP, and quarterly account statements by mail. This is based on Mudaraba principles and is easy to manage. To get the benefits of this account, all you need is a minimum investment of AED 10,000. 

Investment Deposit Account 

With ADIB Investment Deposit bank account, you get steady returns through a Shariah-compliant solution. Based on the Mudaraba principle, it offers higher expected profit rates than standard savings accounts while keeping your money secure. You can start with a minimum of AED 10,000 and select investment periods of 1, 3, 6, 9, or 12 months. At the end of the term, you will get the option to reinvest your profits or transfer them to your account. Another interesting part of this account is that you can also get financing of up to your invested amount.

ADIB Amwali Account

Parents can open this savings account for their children and teens between the ages of 8 and 18 years. It’s designed to help young people learn how to manage money responsibly, all while giving parents complete oversight and control.With Amwali, children can receive allowances, set savings goals, track expenses, and even use a debit card or Apple Pay for purchases and ATM withdrawals. It also gives parents the power to monitor activity, set limits, or pause transactions at any time. In addition, Amwali users enjoy exclusive offers on gaming, fashion, gadgets, and entertainment. 

Note: It's important to note that only those with an active ADIB bank account can open this account for their children. 

Student Savings Account

As the name suggests, Student Savings account is for students aged 13 and above. It provides them with a simple Shariah-compliant method for saving. With no minimum balance or associated fees, it offers a hassle-free and affordable way to kickstart your savings journey. The account comes with a free ISIC prepaid card, which functions as both a student ID and a prepaid card. You can easily top up this card for worldwide use with Apple Pay and even enjoy access to student discounts across more than 130 countries. Other features include cash withdrawals without any limits, quarterly profit distributions, and round-the-clock access through ADIB's mobile and online banking.

Electron Account

This ADIB bank account is a simple demand deposit account designed. It is designed for those new to the UAE — it’s typically suitable for those still in the process of obtaining residency. It offers free, unlimited teller services across 60+ ADIB branches. It also offers a complimentary ADIB Visa debit card for convenient access to funds at more than 500 ATMs of the bank as well as retail outlets.This account is based on the Qard Hasan principle in Islamic banking. It simply means the money you deposit is kept safely as a loan to the bank. While your amount does not earn profit, you can easily take it back whenever you need.

As an account holder, you can also benefit from free e-statements and 24/7 banking through the ADIB mobile app, e-ADIB internet banking, SMS, and chat services. You can also enjoy additional features, including standing instructions for recurring payments and enhanced online security with WebSecure. 

ADIB Egypt Wasel Account 

This ADIB account is designed for those who want to easily manage their money in both the UAE and Egypt. It gives you seamless banking access across the two countries, making it ideal for people with financial ties in both places. The most remarkable aspect of this account is that you get a dedicated relationship manager in Egypt. You can also benefit from free mobile, internet, and SMS banking, plus 24/7 support. Some other benefits include 

• Preferential foreign exchange rates
• Priority service at branches
• Airport lounge access
• Concierge assistance
• Meet and assist at airports in Egypt and more

Smart Account 

ADIB Smart Account is an excellent account to manage your money without any hassles and enjoy truly rewarding banking. You can easily transfer funds to your home country, with one free local or international transfer every month.  Interestingly, you can transfer your salary and get exciting rewards through the ADIB salary bonus. Another benefit of this account is that you get access to the Smartdeals app, where you can enjoy 1,500+ offers and discounts. Additionally, you can earn attractive profit rates on your savings, which helps you manage your money while also growing it.

Key Features & Benefits of ADIB Bank Accounts 

Listed below are the key features and benefits of ADIB bank accounts —

• Diverse Account Options - ADIB offers various Shariah-compliant accounts like savings, current, children's, and investment account options. You can easily choose an account that matches your lifestyle, financial goals, and values while complying with Islamic banking principles.
• Profit Earning - With ADIB accounts such as Ghina, Investment Deposit, and others, you can earn attractive profit rates. These can be credited monthly or quarterly, allowing your savings to grow steadily while being managed securely under ethical, Shariah-compliant practices.
• Digital Banking Solutions  - With ADIB mobile and online banking, you can manage transactions, monitor balances, and access services anytime, anywhere. This provides 24/7 control over finances, eliminating branch dependency and making money management simple and efficient.
• ADIB WebSecure - An added security feature for online shopping, it is available with most ADIB cards. It provides an extra layer of security to verify transactions and protect your account from fraud and unauthorised use.

Eligibility Criteria to Open ADIB Bank Accounts Online

Here are the key requirements to open bank account with ADIB —

ADIB Accounts	Eligibility Requirements
ADIB Current Account	Minimum monthly salary — AED 5,000 For instant overdraft — Minimum salary transfer of AED 8,000
Savings Account	Minimum monthly balance to get profit — AED 5,000
Banoon Children’s Savings Account	Nationality — UAE nationals and residents Age — For children under 18 years old The account can be opened by the Mother — under Hiba contract Father — under Mudarabah contract
Ghina Savings Account	Minimum balance to avoid fall-below fees — AED 3,000 Minimum balance to earn profit — AED 5,000
Ghina Salary Account	Minimum monthly salary — AED 8,000
Short Term Investment Account	Minimum fixed deposit investment — AED 10,000
Investment Deposit Account	Minimum fixed deposit investment — AED 10,000
ADIB Amwali Account	Age — Between 8 to 18 years Opened by parents and legal guardians
Student Savings Account	Age — 13 years and above Nationality — UAE nationals and residents
Electron Account	Minimum Salary — AED 5,000
ADIB Egypt Wasel Account	Must have an ADIB account Minimum account balance — EGP 5,000 EGP 5,000 must be transferred to the account within seven days
Smart Account	N/A

Note- The eligibility criteria may change as per the bank’s policies. Make sure to review the requirements of your preferred account before applying. 

Documents to Open ADIB Account in UAE

For ADIB bank account opening in the UAE, you’ll need to submit the following documents —

ADIB Accounts	Required Documents
ADIB Current Account	Passport  Emirates ID UAE residence visa Salary proof
Savings Account	Passport  Emirates ID
Banoon Children’s Savings Account	Passport of the parent and the child Emirates ID of the parent and the child Valid visa (for expats)
Ghina Savings Account	Passport  Emirates ID
Ghina Salary Account	Valid Emirates ID Passport  Salary certificate
Short Term Investment Account	Original passport  Emirates ID
Investment Deposit Account	Emirates ID Valid passport
ADIB Amwali Account	Emirates ID Passport  Visa copy
Student Savings Account	Copy of the passport of the student  Emirates ID Passport copy and Emirates ID of legal guardian/custodian (if the student is below the age of 18) A passport-sized photo of the student  Valid school ID
Electron Account	Emirates ID  Original passport
ADIB Egypt Wasel Account	Emirates ID (6 months validity) Passport copy  UAE residence proof  Valid Egypt National ID (for Egypt nationals) Income proof and more
Smart Account	N/A

Note- Depending on the account type, you may have to submit extra documents. Make sure to confirm the same before starting your application. 

How to Open ADIB Bank Accounts Online in the UAE? 

You can easily open an ADIB account through various means — 

Official Website 

This is the easiest way to open an account from the comfort of your home and office. Simply visit the official website of ADIB and apply for your preferred account online. 

ADIB Mobile Banking App 

Download the ADIB mobile app and open an account in just a few taps — all without any paperwork. This only requires you to scan your Emirates ID (for particular accounts). It’s also a great way to manage the account at your fingertips. 

Note: You can also open an ADIB bank account by visiting your nearest bank branch. In this case, connect with the bank’s official team and fill out the form to open an account. 

Frequently Asked Questions on ADIB Bank Account in the UAE