Minimum Balance Required Annual Return Features
ADCB Islamic Banking - Emirati Millionaire Destiny Savings Account ADCB Islamic Banking - Emirati Millionaire Destiny Savings Account Minimum Balance Required: AED 5,000 Annual Return: 0.15% Features: Sharia Compliant
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The Emirati Millionaire Savings Account (EMSA) is a unique Shari’ah compliant savings account specially designed to meet the needs of Emiratis, their spouses and their children.

EMSA could make you a millionaire overnight to secure your family’s prosperity. There are semi-annual, daily and monthly prizes.

EMSA list of Prizes:
  • Grand prize of AED 2,000,000 every six months 
  • 1 prize of AED 500,000 every month 
  • 10 prizes of AED 10,000 each every month

Simple criteria:
  • AED 5,000 minimum monthly average balance is required to be eligible for the prize draws
  • Every extra AED 1,000 you save over AED 5,000 gives you an additional chance to win
Features & Benefits:
  • Debit Card with instant access to your money
  • No lock-in period and no penalty for withdrawals
  • Earn profit from your savings; this is declared and paid quarterly
  • Every additional AED 1,000 saved over the initial AED 5,000 grants you an extra chance in the prize draws
Expected Annual Return: 0.15%

** 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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