Minimum Salary
0,00 د.إ
Invest Bank offers four Shari’ah-compliant retail accounts—Current Account, Savings Account, Call Account, and Term Deposit (TD)—each with distinct balance requirements, interest rates, fee structures, and digital-first benefits. Matching your banking needs to the right product maximizes returns and minimizes charges.
| Feature / Package | Current Account | Savings Account | Call Account | Term Deposit (TD) |
| Product Type | Transactional (Qard Hasan) | Profit-sharing (Mudarabah) | Notice-based Mudarabah | Fixed-term Mudarabah |
| Currencies | AED, USD, GBP, EUR | AED, USD, GBP, EUR | AED, USD, GBP, EUR | AED, USD, GBP, EUR |
| Min. Balance | AED 3,000 (equiv.)¹ | AED 1,000 (equiv.)² | AED 25,000 (equiv.)³ | AED 10,000 (equiv.)⁴ |
| Profit/Interest Rate | N/A | 0.50% p.a. (AED); 0.25% p.a. (FCY)⁵ | 0.50% p.a. (all currencies)⁶ | Variable by tenor⁷ |
| Profit Payout | N/A | Semi-annual | Semi-annual | Monthly/Quarterly/Half-yearly/Maturity⁷ |
| Cheque Book | Offered (AED only); AED 26.25/book | Not offered | Not offered | N/A |
| Debit Card | Free issuance & replacement | AED only; free issuance | Not offered | N/A |
| Digital Banking | Full app & online features | Full app & online features | Full app & online features | Managed via linked account |
| Cooling-Off Period | 5 days (no closure fee) | 5 days (no closure fee) | 5 days (no closure fee) | 5 days (no closure fee) |
| Key Benefits | Free digital transfers; salary credit; e-statements | Competitive rates; e-statements; no transaction limits | Higher rate on notice savings; flexible withdrawals | Guaranteed returns; choice of tenors; rollover options |
¹ Current Account minimum monthly average balance; AED/FCY equivalent.
² Savings minimum daily balance; AED/FCY equivalent.
³ Call Account minimum daily balance; AED/FCY equivalent.
⁴ TD minimum placement; AED/FCY equivalent.
⁵ Savings interest accrues on daily closing balance.
⁶ Call Account interest accrues on daily closing balance.
⁷ TD rates vary by tenor; consult published rate table.
Detailed Schedule of Fees & Charges
All fees inclusive of 5% VAT where applicable.
Account Maintenance
| Service | Charge |
| Account opening | Free |
| Minimum average balance breach (Current) | AED 26.25 p.m. |
| Minimum balance breach (Savings) | AED 26.25 p.m. |
| Minimum balance breach (Call) | AED 26.25 p.m. |
| TD early redemption (premature withdrawal) | Rate – 1% p.a. less than contracted rate |
Teller & Cheque Services
| Service | Charge |
| Cash/Cheque withdrawal & deposit (branch) | AED 52.50/txn |
| Cheque book issuance (AED Current) | AED 26.25/book |
| Cheque return (Current) | AED 100/cheque |
| Stop payment | AED 25/cheque |
| Cheque copy | AED 21/page |
ATM & Card Services
| Service | Charge |
| Invest Bank ATM (withdrawal, deposit) | Free |
| Non-IB UAE ATM withdrawal | AED 2/txn |
| Non-IB ATM balance inquiry | AED 1/txn |
| GCC ATM withdrawal | AED 6.30/txn |
| International ATM withdrawal | AED 15.75/txn |
| Debit card issuance & renewal | Free |
| Debit card replacement | AED 26.25 |
| Copy of sales slip | AED 25 |
Funds Transfers & Remittances
| Service | Branch Fee | Digital Fee |
| IB-to-IB transfers | Free | Free |
| Local interbank (branch) | AED 15 | – |
| Local interbank (online) | – | Free |
| International SWIFT (BEN/SHA online) | – | AED 25 |
| International SWIFT (OUR branch) | AED 105 | – |
| Inward remittance (AED) | Free | Free |
| Inward remittance (FCY) | AED 25 | Free |
| Amendment/cancellation | AED 31.50 | AED 31.50 |
Account Benefits by Package
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