ADIB Savings Account

Abu Dhabi Islamic Bank (ADIB), founded in 1997, is a leading Islamic bank in the UAE.

With ADIB savings accounts, you can not only enjoy reliability, quick access, and multichannel support but also excellent growth in terms of your money.

ADIB Bank Accounts- Options and Features

Before moving on to ADIB bank account opening, let’s first understand the key types of ADIB savings accounts and their features-

Account Type


Fee & Charges (in AED)

Savings Account

  • Earn quarterly profits
  • Free globally recognised debit card
  • Account in different currencies (AED, GBP, and USD)
  • Free e-statements every month
  • Standing instructions facility available

Monthly balance to be maintained for profit – AED 5,000


Ghina Savings Account

  • Win up to AED 1 million and other exciting rewards on your savings (minimum AED 20,000)
  • Get quarterly profits
  • Free debit card

To avoid fall-below charges, minimum. balance required — AED 3,000


For profit earning, the minimum balance required is AED 5,000 

Banoon Children’s Savings Account

  • This ADIB bank account can be opened by the parents of a minor
  • Darhoom prepaid card provided for free 
  • Make quarterly profits

No minimum account balance

Saving Account in UAE


Top Benefits of Opening Bank Account with ADIB

When you open bank account with ADIB, you can enjoy the following general benefits-

  • Unlimited Teller Transactions: Across the UAE
  • Expected Quarterly Profits: Get a steady income stream from your investments or savings over time by profit earning.
  • Set Up Standing Instructions: Simplified account management by setting up standing instructions for regular transactions.
  • Mobile App Access: Manage your accounts on-the-go with the user-friendly mobile app.
  • 24-Hour Banking Services: Access to banking services round-the-clock with 24x7 telephone, internet, mobile, and SMS banking.
  • Complimentary Debit Card: Convenient and secure transactions both online and offline without any additional charges

Eligibility for ADIB Savings Accounts

To easily complete the ADIB bank account opening process, you must fulfill a few general eligibility requirements-

  • You must be 18 years of age or above (for the Banoon Children’s Savings Account, the child must be below the age of 18)
  • You must fulfill the nationality requirements as per the account type 

Note: Other salary-related eligibility requirements may apply as well.


Open ADIB Bank Account

Documents Required for ADIB Bank Account Opening

For UAE Nationals and Residents

  • Emirates ID 
  • Valid passport or copy
  • Valid residence visa 

For Non-Residents

  • Valid original passport

How to Open an ADIB Savings Account in the UAE?

With, you can easily open a bank account online in the UAE in minutes. Our easy-to-navigate website and 24x7 customer support are here to help you through wherever you get stuck.

Another benefit of Policybazaar UAE is that you can find the best accounts from the top banks in one place. So whether you’re looking for ADIB savings accounts with minimum balance or any other account, you can easily get the top-rated options in one place!

Here are the steps to open an ADIB bank account through our platform:

  1. On, click on ‘Bank Accounts’.
  2. Enter the details asked in the form.
  3. On submitting it, you will get all the relevant bank account quotes. 
  4. Here, you can compare bank accounts from the top banks side by side.
  5. Apply for the one that you find the most suitable.​​​​​​​​​

ADIB Savings Account FAQs


Q. Can I receive a debit card with all ADIB savings accounts?

Yes, ADIB savings account holders can get a free debit card.

Q. What is the minimum balance required in an ADIB savings account?

Although some ADIB bank accounts don’t have any minimum balance requirements as such, you may be required to maintain a balance of at least AED 5,000 for profit earning. 

Q. What is the profit rate offered by ADIB savings accounts?

The profit rate for ADIB savings accounts as of April 2024 varies between the range of 0.38% and 0.4%.

Is there a 24-hours access facility with the ADIB Savings Account?

Yes, you can enjoy e-ADIB banking services, Telephone banking, and SMS banking service round the clock.

Q. Can I set up standing instructions with ADIB zero balance accounts?

Yes, you can initiate standing instructions for automatic payments for regular transactions with ADIB savings accounts.

What if I don’t maintain the minimum balance in any of the ADIB Savings Accounts?

You need to pay 25 AED as a non-maintenance charge if your account balance goes below 3000 AED during any month.

What is the minimum amount required to be eligible to earn a profit?

5000 AED amount is required to be eligible to earn a profit.

Can I get a debit card on all the savings accounts?

Yes, an ‘ADIB Visa Electron Debit Card’ is provided for free to all the account holders of ADIB Savings Account & ADIB Ghina Savings Account while the ‘Darhoom Prepaid Debit Card’ is provided to all the account holders of ADIB Banoon Children’s Savings Account.

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