ADIB Personal Account

Minimum Salary
5.000,00 د.إ

Description

ADIB’s Shari’ah-compliant personal accounts span Current, Electron, Savings, Ghina Savings, Ghina Salary, ADIB XPRESS, Short-Term Investment (STI), and Term Deposit (TD) packages. Each offers distinct profit structures, fee waivers, digital conveniences, and lifestyle benefits. Optimal selection depends on salary transfer, average balance, and desired perks.

Features

Account Packages & Benefits

Package	Structure	Min. Balance	Profit Distribution	Key Benefits
Current Account	Qard Hasan	None	N/A	Unlimited ADIB ATM withdrawals & deposits; cheque book; bill payments; free e-statements; ADIB Direct access.
Electron Account	Qard Hasan	None	N/A	No-minimum digital account; free teller transactions; instant open for new-to-UAE; basic ATM card.
Savings Account	Mudarabah	AED 5,000	Quarterly on daily balances	Quarterly profit; free debit card; unlimited e-statements; “Round-Up” savings; utility payments via app.
Ghina Savings	Mudarabah	AED 5,000	Quarterly + monthly prize draw entries	Quarterly profit; monthly prize draw; Takaful Cover; free first debit card; “Hilal Rewards” merchant offers.
Ghina Salary	Mudarabah	AED 8,000 (salary)	Quarterly + monthly prize draw entries	All Ghina Savings benefits plus free cheque book; salary-linked higher profit rates; exclusive partner privileges.
ADIB XPRESS	Mudarabah	None	Quarterly	Instant app-based open; free local/international remittances; digital-only; monthly service fee waivable by salary or balance.
Short-Term Investment	Mudarabah	AED 10,000	Monthly	Daily profit eligibility; monthly credit; no cheque or ATM card; flexible tenor; digital management.
Term Deposit (TD)	Mudarabah	AED 10,000 (1–60 mo)	At maturity	Fixed profit rate; monthly or at-end credit; multi-tenor; premier deposit offers; priority placement.

Detailed Schedule of Fees & Charges

All fees exclude 5% VAT unless stated.

Service Category	Service	Charge
Account Maintenance	Monthly fall-below fee	AED 25
	Duplicate statement (paper, per cycle)	AED 25
Cards & Cheques	Debit card issuance	Free
	Debit card replacement	AED 25
	Cheque book (first)	Free
	Subsequent cheque book	AED 25/book
ATM & POS	ADIB ATM withdrawal/deposit	Free
	Non-ADIB ATM withdrawal (UAE)	AED 2/txn
	Non-ADIB ATM balance inquiry (UAE)	AED 1/txn
	International ATM withdrawal (Non-GCC)	Host fee + 1.99%
	International POS purchase	1.99%
Funds Transfers	Local transfer (branch)	AED 15/txn
	Local transfer (online)	Free
	International transfer (BEN/SHA, online)	AED 45/txn
	International transfer (OUR, branch)	AED 260/txn
Standing Instructions	Setup/amend/cancel	AED 75/setup; AED 100/amend
	Insufficient funds penalty	AED 25
Cheque Services	Returned cheque	AED 300/cheque
	Stop-payment	AED 100/cheque
Miscellaneous	Liability/No-liability letter	AED 50/letter
	Balance confirmation letter	AED 500
	Document/cheque copy	AED 100/page
	Account closure (≤ 6 months)	AED 100
	Utility bill payment (branch)	AED 10/txn

Account-Specific Benefits

Current & Electron: Seamless salary credit; global remittance discounts; priority digital support.
Savings & Ghina: Competitive profit rates; prize draws; Takaful protection; merchant discounts.
Ghina Salary: Enhanced profit sharing; free cheque books; exclusive lifestyle & travel offers.
ADIB XPRESS: Zero branch dependence; free remittances; in-app service concierge; instant virtual card.
STI & TD: Higher profit rates for larger deposits; flexible tenors; penalty-free premature withdrawal (reduced rate); dedicated deposit hotline.

Documents Required

All applicants must meet ADIB’s Shari’ah and regulatory standards:

Age & Residency: ≥ 18 years; UAE nationals, residents, and approved non-residents (STI/TD).
Documents: Emirates ID (original & copy); passport copy; valid UAE residence visa (expatriates); salary certificate (Ghina Salary/XPRESS waiver).
Additional: Compliance may request proof of income, utility bills, or corporate letter for non-residents.

Additional Info

Match your salary level and average balances to benefit from fee waivers, prize draws, and premium services. High-balance savers should consider Ghina Salary or TD, while digital-first customers may prefer ADIB XPRESS.