ADIB Salary Account

With an ADIB salary account, managing your earnings becomes easier. From paying utility bills and transferring money to accessing banking benefits, you can handle your everyday finances with ease. Abu Dhabi Islamic Bank (ADIB) offers the ‘Ghina Salary Account,’ designed for salaried customers. Its ...read more

ADIB Salary Account At a Glance

Feature	ADIB Ghina Salary Account	ADIB Current Account
Minimum Monthly Salary Required	AED 8,000	AED 5,000
Salary Transfer	Required for major benefits	Option available
Debit Card Facility	Yes	Yes
Chequebook Availability	Yes	Yes
Profit Earning	Expected profit rate of 5.55% p.a.	Not available
Digital Banking Facility	Available	Available

What are the Types of ADIB Salary Accounts in the UAE?

With Abu Dhabi Islamic Bank (ADIB), you can choose from different bank account options to receive your salary. These include the ADIB Ghina Salary Account and the ADIB Current Account. However, the right choice depends on your salary and how you want to use your account.

ADIB Ghina Salary Account

Want your salary account to do more than collect your monthly pay? The ADIB Ghina Salary Account combines everyday banking with the potential to earn profit on your balance.

Earn Profit: You can earn profit at an expected rate of 5.55% per annum based on the bank’s profit calculation method.
Prize Draws: Get opportunities to participate in eligible Ghina draws by transferring your salary.
Debit Card: This account comes with a free ADIB Visa debit card. Use it locally and internationally for cash withdrawal, balance transfer, and more.
Cheque Book: The first chequebook is available for free.
ADIB Mobile Banking App: With ADIB digital banking services, you can easily check balances, manage transactions, and make payments instantly.

ADIB Current Account

ADIB Current Account lets you manage your day-to-day transactions easily. To use it as a salary account, you need to transfer your salary into it. Once done, get a package of benefits.

Unlimited Teller Transactions: You can enjoy free teller transaction services at more than 60 ADIB branches in the UAE.
Instant Overdraft Facility: In case you need extra cash, use the instant overdraft facility with this account.
Multiple Currency Options: Easily maintain this ADIB salary account in multiple currencies, such as AED, GBP, and USD.
Free Bank Statement: Track your transactions with monthly free e-statements.
ADIB WebSecure: Shop online with great peace of mind, as this facility adds an extra layer of security to your online transactions.

Which ADIB Salary Account Should You Choose?

Check which of the following situations matches your salary and banking needs to decide whether the ADIB Ghina Salary Account or the Current Account is right for you.

Choose the Ghina Salary Account If	Choose the ADIB Current Account If
Your monthly salary is at least AED 8,000 You can arrange for your salary to be credited to the account You want the potential to earn profit and qualify for eligible Ghina prize draws	You want to receive your salary and manage everyday expenses You regularly pay bills, transfer money or withdraw cash You want access to free e-statements, debit card and chequebook facilities

What are the Requirements to Open an ADIB Salary Account?

Before applying for an ADIB salary account in the UAE, check that you meet the requirements for your preferred account. The bank’s eligibility criteria vary by account type.

Eligibility Criteria for Ghina Salary Account	Eligibility Criteria for ADIB Current Account
Monthly salary of AED 8,000 or more A salary certificate from your employer Submit the required identity and residence documents	Monthly salary of at least AED 5,000 Provide valid identification OR UAE residence documents

Documents Required to Open ADIB Salary Account

Keep the following documents ready to open an ADIB salary account in the UAE:

Emirates ID
Passport copy
UAE residence visa
Salary certificate

Disclaimer: The bank may ask for additional documents, depending on your nationality.

How to Open an ADIB Salary Account in the UAE?

You can easily open an ADIB salary account online. Alternatively, you can even visit your nearest bank branch. Here are the main steps:

Via ADIB Mobile App

Download the ADIB mobile app
Choose the right salary account option
Scan the required documents and submit
Once your application is approved, start enjoying the account benefits

Via Branch Visit

Visit your nearest ADIB branch
Fill out the account opening form with the required personal and banking details
Submit the necessary documents for verification and follow the bank’s instructions to complete your account opening

ADIB Salary Account Fees and Charges

Before applying for any account, it’s good to know the applicable fees. Here are the major charges associated with ADIB accounts in the UAE:

Fee Type	Charges
Monthly Fall Below Fees	AED 25
Duplicate Statement of Account Fees	AED 25
Debit Card	Free
Cash Withdrawal/Deposit	Free with ADIB ATMs
Additional Chequebook	AED 25

Your monthly salary must be at least AED 8,000 to open a Ghina Salary Account. But for the ADIB Current Account, you need a monthly salary of AED 5,000 or more.

No. You generally need to transfer your salary to access the benefits of the Ghina Salary Account. You can also use the ADIB Current Account as a salary account, although it’ll require salary transfer as well.

Yes, if you are converting your ADIB current account into a salary account by transferring your salary into it, you can manage it in multiple currencies.

Yes, expats can open an ADIB salary account in the UAE.

You can apply to open an ADIB salary account online in as little as 10 minutes. However, the actual time required may vary depending on document verification and the bank’s approval process.

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