Minimum Balance Required Currencies Features
ADIB - Smartbanking ADIB - Smartbanking Minimum Balance: AED 0 Currencies: AED Features: Islamic Finance, Islamic Banking, Free Credit/Debit Card
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  • Choose your prize! win when you transfer salary, spend money or send money home with your smartaccount
  • Transfer your salary and get a chance to win rewards through ADIB salary bonus
  • Earn profit on whatever you save
  • smartdeals: Enjoy over 1500 deals and discounts through the smartdeals app
  • Send money home for free with 1 free domestic and international transfer per month ​​​​​​​
  • A resident of the United Arab Emirates
  • 18 years old & above
  • Usage: Personal & non-commercial
  • Minimum monthly income of AED 5000
  • Salaried/Business Owners/Partners
  • Account for personal use only
None-Income based
  • House wives (with house wife visa status)
  • Students (with Student ID) and aged below 24
  • Account for personal use only
Required Documents
  • Original Passport
  • Valid Emirates ID (for UAE Nationals & Residents)
  • Valid UAE residence visa
Reference Documents
  • Banking Service Agreement
  • Sukuk Murabaha Contract
  • Terms & Conditions Apply

  1. Above are the actual profit distribution rates for the respective months. Future month profit distribution rates, if any, may vary and will be made in accordance with the ADIB Smart Banking Account Terms and Conditions.
  2. Monthly profit or loss is calculated on a monthly basis based on the monthly average of the daily closing balance of ADIB Smart Banking Account during any calendar month.
  3. For any balances above AED 1 in the ADIB Smart Banking Account, ADIB will endeavor to deposit the entire achieved profit of the relevant month and which will be fully distributed and deposited in the relevant ADIB Smart Banking Account on a monthly basis and any balance of the achieved profits that is not distributed shall be transferred to the relevant profit equalization reserve of this tier of ADIB Smart Banking Accounts.
Transfer your salary or every AED 1000 average monthly closing balance of your smartaccount gets you a chance to win a MINI Cooper. The more you use your account, the more chances you have of winning.
** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest rate on the product which is equivalent to APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The Calculated Annual Percentage Rate (APR) is determined using the annual interest rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.
Arab Bank Current Account
Minimum Balance Required
AED 3,000
Noor Bank Dual Account
Minimum Balance Required
AED 100