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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Open your smart account today
  • No minimum balance
  • Free Debit Card
  • Free home delivery
  • Earn profits on whatever you save
  • Earn smartbonus for referring a friend (AED 20) or engaging in the moneysmart community
  • Debit Card design to match your personality
  • Enjoy over 1500 deals and discounts through the smartdeals app
  • Transfer your salary and get a chance to win rewards through ADIB salary bonus
  • Cardless cash withdrawal and text money to your friends UAE mobile number
  • Send money for free with 1 free domestic and international transfer per month
Expressfinance is exclusive for select customers with salary transfer account
  • Pre-qualify for up to AED 3 million of Personal Finance
  • Customize amount and repayment to suit your needs
  • Simple application and financing at your fingertips
  • Control when you redeem your allocated sukuks with National Bonds
  • Get upto AED 100,000 in as less as 2 hours!
  • Fast and paperless
Requirements
  • A resident of the United Arab Emirates
  • 18 years old & above
  • Usage: Personal & non-commercial
Eligibility
Income-based
  • 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
Profit Rates
  • April 2019: 0.613% (p.a)
  • March 2019: 0.610% (p.a)
  • February 2019: 0.592% (p.a)

  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.
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AED 3,000