Minimum Balance Required Annual Return Features
ADCB Islamic Banking - Saving Account ADCB Islamic Banking - Saving Account Minimum Balance Required: AED 5,000 Annual Return: 0.1% Features: Free Credit/Debit Card
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A monthly fee will be applicable if the respective relationship balance criteria is not met.
Additional statement of account outside the normal cycle will be charged as per Schedule of Fees.
Debit card usage at Non-ADCB ATMs would attract a charge in line with relationship type, as per Schedule of Fees.

  • Available to UAE residents and non-residents
  • Available in AED
  • Profit accrued monthly on the minimum balance and is paid quarterly on minimum monthly balance.
  • Free e-statements (within the statement cycle)
  • Debit card available
Special savings account benefits
  • Available for UAE residents and non-residents
  • Available in AED and other major currencies.
  • Expected profit rate applied on the daily average balance and is paid quarterly
  • Free e-statements (within the statement cycle)
Required Documents
UAE residents:
  • An original passport (for UAE Nationals)
  • An original passport with UAE residence visa valid for more than 30 days (for Expatriates)
  • Your original Emirates ID
  • A salary certificate
  • Your original passport
  • A copy of your visit visa and entry stamp page or e-gate card
  • A three-month stamped bank statement produced by the bank where funds will be transferred to
  • A letter of introduction from an existing ADCB customer with a relationship of more than a year
** 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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