Al Hilal Bank Personal Account

Minimum Salary
5.000,00 د.إ

Description

Al Hilal Bank’s Shari’ah-compliant personal accounts cater to all ages and banking needs, offering profit-earning potential, digital conveniences, and lifestyle privileges. Optimal choice depends on age bracket, balance patterns, and desired benefits.

Features

Account Package Comparison

Feature / Package	Adult Current	Basic Savings	Al Hilal Lite Savings	Youth Savings	Seghaar Savings
Contract	Qard Hasan	Mudarabah	Mudarabah	Mudarabah	Mudarabah
Age	≥ 21	≥ 21	≥ 21	13–21	< 13
Currencies	AED, USD, GBP, EUR, CAD¹	AED, USD, GBP, EUR, CAD	AED, USD	AED	AED
Opening Min. Balance	None	AED 3,000	None	AED 500	AED 500
Avg. Balance Req’d²	AED 2,000	None	AED 1,000	None	None
Profit Eligibility³	N/A	≥ AED 5,000	≥ AED 5,000	≥ AED 2,500	≥ AED 1,000
Profit Distribution	N/A	Monthly	Monthly	Monthly	Monthly
Monthly Fee⁴	AED 21	N/A	AED 10.50	N/A	N/A
Waiver	Salary ≥ AED 5K or active finance	N/A	Salary ≥ AED 5K or active finance	N/A	N/A
Debit Card	Free issuance & PIN change	Free issuance & PIN change	Free issuance & PIN change	Free issuance & PIN change	Free issuance & PIN change
Card Replacement	AED 26.25	AED 26.25	AED 26.25	AED 26.25	AED 26.25
Additional Card	AED 52.50	AED 52.50	AED 52.50	N/A	N/A
Cheque Book	First free; AED 26.25/book	N/A	N/A	N/A	N/A
e-Statements	Free monthly	Free monthly	Free monthly	Free monthly	Free monthly

¹ Cheque book only in AED. ² From third month onward. ³ On lowest monthly balance. ⁴ Inclusive of VAT.

Account Benefits

Adult Current

Unlimited free Al Hilal/ADCB ATM withdrawals & deposits
Priority digital support via Al Hilal Mobile App
Dedicated relationship manager for balances ≥ AED 250K

Basic Savings

Quarterly raffles for prizes (vouchers, gadgets)
Access to “Round-Up” savings feature in app
Free utility bill payment via mobile

Al Hilal Lite Savings

Instant account opening via app
Auto-save rules (e.g., spare change rounding)
Discounted merchant offers via “Hilal Rewards”

Youth Savings

Educational financial tools in app (budget tracker)
Parent-linked monitoring and alerts
School festival and partner events privileges

Seghaar Savings

Parental controls and joint statements
Growth milestones badges for children
Gift packs at milestone anniversaries

Documents Required

Age & Residency:
– Adult ≥ 21; Youth 13–21; Seghaar < 13 (guardian account)
– UAE nationals, GCC nationals, valid residents
Documents:
– Emirates ID (original)
– Passport copy (self-attested)
– UAE residence visa copy (for expatriates)
– Salary certificate or employer payroll file (for Adult fee waiver)
– Guardian’s Emirates ID & consent form (for minors)

Additional Info

Detailed Schedule of Fees & Charges

All charges inclusive of 5% VAT unless indicated otherwise.

Fee Type	Charge
Account Closure (≤ 6 months)	AED 105
ATM (Al Hilal & ADCB)	Free withdrawal & deposit
Other UAE ATMs	Withdrawal AED 2.10; Balance AED 1.05
GCC ATMs	Withdrawal AED 6.30; Balance AED 3.15
International ATMs	Withdrawal AED 15.75; Balance AED 3.15
FX Mark-up (non-AED/international AED)	2.00%
Remittances	Inbound free; Outbound AED 0.50–12.60; Cancellation AED 52.50
Standing Instructions / Sweeps	Setup/amend/cancel AED 52.50; Intra-bank free; Inter-bank local AED 1.05; FCY AED 36.75
Cheque Return (inward)	AED 241.50
Stop Payment (cheque)	AED 105
PDC Retrieval	AED 15.75
Document Copy (cheque/statement)	AED 21
Manager’s Cheque Issuance	AED 78.75
Manager’s Cheque Cancellation	AED 52.50
Letters & Certificates	Balance AED 52.50; Liability AED 63; IBAN paper AED 26.25; digital IBAN free
Teller Transactions (< AED 50K)	AED 52.50 per transaction
Dormant Account Reactivation	Free

Refer to the Schedule of Fees – Accounts Services for full details effective Nov 2024.