ADIB Ghina Savings Account

• It is a Sharia Compliant Savings Account based on the principle of Mudaraba  
• Free ADIB Visa Electron Debit Card.
• Chance to win up to AED 3 million (and other prizes) by saving AED 20,000
• 10 lucky people win AED 10,000 every month
• The minimum amount of AED 5,000 is required to earn a profit on your account
• Bank anytime & anywhere with the ADIB Mobile Banking App
• Built-in Takaful coverage (in case of death) up to a maximum of AED 250,000

• Account Closure (Within one year)= AED 100
• Non-ADIB ATM Transactions in UAE- Cash Withdrawal = AED 2
• Non-ADIB Transactions in UAE – Balance Inquiry / Declined Transaction= AED 1
• Fee for using the ATM outside UAE and GCC = As per host country system

• For Tier >25K, 0.33% per month
• For Tier 10K – 25K, 0.32% per month
• For Tier 5K – 10K, 0.31% per month 
• The interest rate may vary for the upcoming months, in accordance with the ADIB’s Banking Services Agreement

UAE Nationals:

• A copy of the passport
• Emirates identity card
• Resident visa
• Salary certificate of the applicant

Residents:

• Copy of visa
• Emirates identity card
• Copy of the passport
• Salary certificate of the applicant

• For UAE nationals and residents
• Account can be opened by individuals only and without salary transfer
• Must be 21 years old or above

• Standing Instructions to make automated payments for recurring transactions
• Access your funds and withdraw any amount from your savings when needed
• Minimum deposit of AED 20,000 is required to enter in the draw
• 24-hour e-ADIB Internet Banking, Telephone and SMS Banking
• Complimentary SMS banking service
• Profits credited to your account every quarter