Minimum Deposit Required Annual Return Annual Fee Choice of Terms Features
 ADIB - Electron Account ADIB - Electron Account Minimum Deposit Required: AED 3,000 Annual Return: 0% Annual Fee: AED 0 Choice of Terms: - Features: Phone Banking, Multiple Currencies, Islamic Banking, Internet banking
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The ADIB Electron Account is an easy-to-use demand deposit account that does not even require UAE residency to open. This account is based on the Islamic principle of Qard Hasan - where your deposits are considered as a non-profit bearing loan to ADIB . The bank will be obliged to return the lent amount at anytime upon the request of the customer. 
Features & Benefits:
  • Free Unlimited Teller Transactions At Over 80 Branches Across The UAE
  • Free ADIB Visa Electron Debit Card
  • ADIB Mobile Banking App
  • Instant Overdraft Facility
  • 24 Hour Banking Services
  • Account Statements
  • Free-statements
  • ADIB Websecure
  • Shari'a Compliant
Documents Required:
  • Original passport - for Joint Accounts, please bring all original passports and all account holders should also be present ​
  • ​Valid Emirates ID (for UAE Nationals & Residents)​​
** 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.
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