Bank Account in Dubai & UAE

Al Hilal Bank Saving Account

Bank Accounts in the UAE
Earn Rewards & Cashback upto AED 2000
  • Zero Balance Account
  • Chance to win AED 1 Million a Month
  • Virtual & Physical Debit Card

Open bank account instantly with zero maintenance fees

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Established in 2007, Al Hilal Bank is a progressive Islamic bank headquartered in Abu Dhabi (UAE) offering a wide range of banking products and financial services for corporates and retail customers through a variety of channels in the areas of retail banking, treasury and wealth management. Al Hilal is committed to delivering a seamless banking experience with its impeccable services that are custom-tailored to cater to the demands of its customers. Al Hilal savings account is a smooth way to save up your money and build a stronger future for yourself. Combine it with the exciting lucky draw offers that Al Hilal Bank offers with its savings account and you will have a wonderful culmination of savings and winnings. Follow through this piece to read more about Al Hilal savings account and the grand lucky prize. 

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Top Features of Al Hilal Savings Account

  • No minimum balance is required to open the account, and no minimum average balance is required to keep it active. 
  • Al Hilal savings account is a sharia-compliant and sharia-certified savings account that comes with a virtual as well as physical MasterCard debit card.
  • Al Hilal savings account is a zero balance account. For the customer, it means that you don’t have to maintain a minimum balance in the account at all times.
  • However, please take note that a minimum balance of AED 5,000 is required to take part in the AED 1 million rewards monthly draw. 
  • A minimum average balance of AED 5,000 is required to earn a profit on your deposited sum. 
  • You can use ADCB ATMs to withdraw cash from your Al Hilal zero balance account for savings without any charges.
  • The monthly profit distribution formula is used for Al Hilal no minimum balance account. 
  • The Al Hilal no minimum balance account presents you with a monthly online statement and does not charge any fall-below fee. 

Al Hilal Savings Account Joining Offer

Get a chance to win AED 1 million a month by simply opening an Al Hilal savings account! Winning AED 1 million while keeping your savings afloat is now as easy as it can be. Simply maintain the minimum eligible funds in your Al Hilal savings accounts, and you will get a chance to win AED 1 million along with 20 prizes worth AED 1,000 every month. 

Here is a list of all the benefits in store:

Al Hilal Savings Account Reward Information

  • A chance to win AED 1 million once every month.
  • Additional 20 different prizes worth AED 1,000.
  • As this is a monthly draw, the prize sum of AED 1 million will have only 1 winner every month. The AED 1,000 prizes will have 20 winners every month. 
  • All the winners will be selected by a lucky draw.
  • The rewards are offered in addition to the profit rates that you get with your AL Hilal savings account. 
  • The prize money will be credited to your Al Hilal bank account

Al Hilal Debit Card

How Can You Be a Part of Al Hilal Monthly Draw?

  • Transfer your salary to your Al Hilal savings account or maintain a minimum balance of AED 5,000 in your Al Hilal savings account. 
  • The minimum salary required for salary transfer is AED 5,000. This salary transfer has to be done by your employer using the approved transfer channels only. 
  • Every additional multiple of AED 5,000 as balance in your account will give you an additional chance with the draw. For instance, if you have AED 5,000 balance in your account, you will get one chance on the monthly draw. However, a balance of AED 10,000 will give you two chances on the draw, with an increase in chances as the multiples of AED 5,000 increase. 

Eligibility Criteria to Open a Savings Account Using Ahlan

Parameters Al Hilal Savings Account
Minimum Age 18 years
Nationality/Residency UAE/GCC nationals and UAE residents
Minimum Balance to Maintain Nil 
Minimum Balance to Earn Profit AED 5,000

Seamless Onboarding via UAE Pass

You can also open your Al Hilal savings zero balance account using the seamless services of UAE Pass. Al Hilal is one of the first banks in the UAE to have integrated the UAE Pass onboarding system. UAE Pass is the very first national virtual identification system of the UAE. It has been developed and brought into existence by Telecommunication Regulatory Authority, Smart Dubai Organisation, and Abu Dhabi Digital Authority. To use the UAE Pass, you need to follow the below-given steps:

  • Download the UAE Pass on your smartphone and register for creating an account. 
  • Registering with the UAE Pass will give you a universal virtual identity for both federal and local government entities. 
  • Create your biometric face recognition ID using the UAE Pass application.
  • Use your UAE Pass credentials to use your face ID to access government and private services that accept UAE Pass verification. 
  • You can also use UAE Pass to share all the required documents digitally and put in virtual signatures. 
  • Similarly, you can simply use your UAE Pass credentials to open your Al Hihal zero balance account for savings. 

Open Al Hilal Bank Account

Opening Al Hilal Savings Account with Ahlan

To get access to amazing Al Hilal savings account benefits, all you have to do is download the Al Hilal Ahlan app and follow the onscreen instructions for opening an account. Have the following documents ready:

  • Your Passport or Passport copy
  • Your Emirates ID or Emirates Id copy

You can start banking with Al Hilal by following these three simple steps:

Step 1: Scan your Passport and Emirates ID

Step 2: Enter your basic details. At this step, you can personalise your banking experience through the bank’s customization services.

Step 3: With Ahlan, you get an instant access to your banking account that’s ready to use immediately.

Lastly, you can collect your welcome pack at the nearest branch or get it delivered straight to your door.

Why Should You Open a Bank Account with Al Hilal Bank using Ahlan?

Here is a list of reasons why you can consider opening a bank account with Al Hilal bank using Ahlan.

  • An account with minimum requirements: With Al Hilal, you can open up your bank account with zero balance. You don’t need any initial amount to open the account. Once you open an account, you get a VISA debit card and a personalized cheque book for free.
  • Personalize your Debit Card/Cheque Book: With Al Hilal, you can decide how your name appears on your VISA debit card and your cheque book.
  • It’s Fast: You can open an account from the comfort of your home, completely bypassing the need to visit the bank’s branch.


Q1: What is Al Hilal Ahlan?

Ans: Ahlan from Al Hilal Bank is a banking app that’s designed to connect the bank and its customers instantly. The app allows you to open an account with Al Hilal bank and start banking immediately. You can download this app from Google Play or App Store. 

Q2: Is there any fee for the Account opened through Ahlan?

Ans: No. there are no charges for opening an account.

Q3: Is there a minimum balance required to maintain the account?

Ans: There are no initial charges to open a bank account with Al Hilal bank. You can simply open your bank account with a ‘Zero’ balance. You can, however, win AED 1 Million prize every month if you maintain a minimum balance of AED 5,000 per month.

Q4: Why should I open a Salary Transfer Account with Al Hilal Bank?

Ans: Apart from facilitating easy transactions, Al Hilal Bank salary account allows you to win AED 1 Million every month on a salary transfer of AED 5,000 minimum.

Q5: How many draws am I eligible for if I have AED 8000 saved in my Al Hilal savings account?

Ans: Accountholders with AED 5,000 to AED 9,999 in their account are eligible for only 1 chance in the reward monthly draw. On the other hand, holders with AED 10,000 to AED 14,999 will get 2 chances at the draw. Simply put, the number of draws increases with every addition of AED 5,000

Q6: What are the maximum draws that I can get for the Al Hilal reward program?

Ans: There is no cap on the number of draws you can get for the reward. It depends on the amount present in your Al Hilal savings account. 

Q7: What is the maximum number of winners to win the AED 1million prize? Is there a maximum limit on winning the monthly draw?

Ans: There will be 21 winners every month. While one winner will win AED 1 million a month, the other 20 will get prizes worth AED 1,000. 

Q8: What is UAE pass? How can I use it for opening AL Hilal savings account?

Ans: UAE Pass is the unified virtual identification system of the UAE. It uses your face ID data to provider access to several government and private services in the UAE. You can use you UAE Pass credentials to open your Al Hilal bank account. 

Q9: Who regulates and supervises this reward winner monthly draw?

Ans: The Department of Economic Development will supervise the draws. 

Q10: Where will I receive the money I win?

Ans: The reward money you win will be credited to your Al Hilal savings zero balance account. 

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