ADCB Millionaire Destiny Savings Account

What is the ADCB Millionaire Destiny Savings Account? 

The Abu Dhabi Commercial Bank (ADCB) offers numerous products to its customer to manage their personal finances. The ADCB Millionaire Destiny Savings Account is one such account, which not only helps customers with savings but also allows them to earn extra with its exciting cash prizes.

Read the article below to understand the ADCB Destiny Savings account in detail.

Features and Benefits of ADCB Millionaire Destiny Savings Account

Customers opening an ADCB Millionaire Destiny Savings Account can avail of the following enlisted features and advantages

  • Customers can earn profits from their savings every quarter
  • After opening an ADCB Millionaire Destiny Savings Account, customers get a debit card as well and withdraw the amount from their savings instantaneously
  • No lock-in period is applicable for withdrawal
  • ADCB does not charge a penalty upon withdrawal of the amount
  • Individuals saving an amount of AED 1,000 or more after making an initial deposit of AED 5,000 get an extra chance to participate in prize draws
  • With the Millionaire Destiny Savings Account, customers get to earn cash prizes as well. 

The following is the prize list for the same

  • 10 prizes every month, each of AED 10,000
  • A grand prize of AED 2,000,000 every six months
  • 1 prize of AED 500,000 every month
    -The minimum balance required to open an ADCB Millionaire Destiny Savings account is AED 5,000
    -The Millionaire Destiny Savings Account can be accessed through online banking and mobile application banking
    -No salary transfer is required for this Millionaire Destiny Savings Account 

Fee, Charges, and Minimum Balance on ADCB Millionaire Destiny Savings Account 

  • The minimum balance that a customer has to maintain in the Millionaire Destiny Savings Account is AED 5,000
  • If the balance in ADCB Millionaire Destiny Savings Account is less than AED 3,000, a monthly fee of AED 25 will be charged till you maintain a balance of AED 5,000

Currency Accepted in the ADCB Millionaire Destiny Savings Account

The ADCB Millionaire Destiny Savings Account is available in US$ and AED (UAE Dirham) currencies.

Eligibility Criteria for ADCB Millionaire Destiny Savings Account 

Given below are the eligibility criteria for the ADCB Millionaire Destiny Savings Account –

  • UAE nationals and ex-pats can open an account
  • Individuals other than employees of ADCB and its subsidiaries (and their immediate family members) are eligible

Documents Required for Opening an ADCB Millionaire Destiny Savings Account 

Applicants must necessarily have the scanned copies of the following documents with them before applying for the Millionaire Destiny Savings Account –

  • Emirates ID
  • Residential proof
  • Passport

How to Apply for the ADCB Millionaire Destiny Savings Account? 

ADCB offers several means through which an applicant can apply for an ADCB Millionaire Destiny Savings Account. Given below is a brief description of the steps involved in each of them – 

Via Website

  • Visit the official website of ADCB
  • Move to the ‘Personal Banking’ section and click ‘Accounts’
  • Tap on the ‘Current and Savings Account’ option and select the ‘Millionaire Savings Account’
  • Once you are redirected to the next page, scroll down and locate the lead form
  • Enter the required personal details and submit them to conclude the process on your end

Via SMS

To open a Millionaire Destiny Savings Account via SMS, applicants must send the text  ‘MDSA’ to 2626 from their registered mobile number.

Via Customer Care Support

Eligible candidates can also get in touch with one of the customer representatives of ADCB by dialling 600562626 to get their ADCB Millionaire Destiny Savings Account opened.

Visiting ADCB Bank Branch

If you want to have an in-person conversation with one of the bank representatives before applying for the account, you can also visit the nearest branch of ADCB. Once you are at an ADCB branch, you can connect with an executive to discuss all your queries and open the ADCB Millionaire Destiny Savings Account instantly.

How to Access the ADCB Millionaire Destiny Savings Account? 

Individuals can use multiple methods to use their ADCB Millionaire Destiny Savings Account like the following – 

Via Online Banking

Internet banking is one of the most convenient ways to use your bank account online. By using the ADCB Millionaire Destiny Savings account via online mode, customers can access various services such as money transfers and deposits, bill payments, balance checks, and more from the ease of their homes. 

Here is the step-by-step process of how to use your ADCB Destiny Savings Account through online banking –

  • Visit the official website of ADCB
  • Once you are on the home page, tap on the ‘Login’ option on the top right
  • Select the ‘Personal Banking’ option
  • On the next page, type in your user ID and password and click on the ‘Login’ button

Via Mobile Application

Similar to online banking, accessing ADCB banking services through the mobile app is quite easy. With mobile banking, you can utilise services like the transfer of funds, balance checks, bill payments, and many more via your smartphone. 

The application is available on the Galaxy store, AppGallery, Google Play Store, and Apple Store. The app installation, however, can also be done through the official website of ADCB. Users can navigate to the mobile banking section and scan the given code. 

To use the ADCB Millionaire Destiny Savings Account, you would need to –

  • Download and install the ADCB mobile application on your smartphone
  • Sign in to the savings accounts using your internet banking username and password
  • Move to the personal banking section
  • Select the ADCB Millionaire Destiny Savings Account option to access it  

Phone Banking 

ADCB phone banking service allows customers to access their ADCB Destiny Savings Account through three different methods – Interactive Voice Response, VoicePass, and Contact Centre. To connect through the lattermost option, i.e., contact centre, give a call at 600502030.

WhatsApp Banking 

With Abu Dhabi Commercial Bank WhatsApp banking service, a WhatsApp message can easily become your key to accessing your account and related information or services. To use WhatsApp banking, customers would need to link their ADCB Millionaire Destiny Savings Account with WhatsApp and start chatting. 

For the registration process, a WhatsApp message has to be sent to the number 600502030. Another option here is to scan the QR code on the WhatsApp banking section of the ADCB website.

Offline Banking

To get any information regarding the ADCB Millionaire Destiny Savings Account or access any associated service, customers can also visit their nearest bank branch to have a conversation with one of the representatives directly.

What are the cash prizes offered with the ADCB Millionaire Destiny Savings Account?

The following cash prizes are available with the Millionaire Destiny Savings Account –

  • A grand prize of AED 2,000,000 – every six months
  • 10 prizes of AED 10,000 on a monthly basis
  • 1 prize of AED 1,000,000 on a monthly basis
Through which channels the ADCB Millionaire Destiny Savings Account can be accessed?

Users can log in to their Millionaire Destiny Savings Account through internet banking, mobile banking, WhatsApp banking, and phone banking. Apart from this, customers can also visit their nearest ADCB bank branch for offline access.

Who are eligible to participate in the ADCB Millionaire Destiny Savings Account prize draw?

All UAE residents and non-residents are eligible to open the Millionaire Destiny Savings Account. However, employees of ADCB and its subsidiaries are not allowed to open this type of account, while the immediate family members of ADCB employees are also not eligible.

Is a minor eligible for opening an ADCB Millionaire Destiny Savings Account?

While a minor is eligible to have the mentioned ADCB account, it has to be opened and maintained by a guardian.

How often are prize draws organized for Millionaire Destiny Savings Account customers?

The bank conducts prize draws in the second week of every month.

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