Benefits
- This is a Sharia Compliant Savings Account
- No minimum balance
- Open smart account and get a chance to win a Tesla
- Win prize when you transfer salary, spend money or send money home
- Transfer your salary and get chance to win rewards through ADIB salary bonus
- Earn profit on your savings
- Free Debit card
- For UAE residents only and for Personal and Non-Commercial.
- Free home delivery of Kit
Fees & Charges
- 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
Interest Rates
-
Interest rate applicable is up to 0.6182% per annum.
- For February 2021, interest rate is 0.4622% per annum
- For January 2021, 0.4749% per annum
- For December 2020, 0.4754% per annum
Documents Required
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 issued by the employer
Eligibility
- 18 years and Above
- For salaried, business owners & partners
- Housewives and students aged below 24 years
- No minimum balance required
Addition Information
- Avail over 1500 deals and discounts through the smartdeals app
- Earn smartbonus by referring a friend or engaging in the moneysmart community
- Send money home for free with 1 free domestic and international transfer per month