ADIB Account Benefits and Features
Free Unlimited Teller Transactions
- Access: Use teller services at any of over 80 ADIB branches across the UAE at no cost, including Dana Women’s Banking branches, 10-to-10 branches, and the 24/7 branch at Abu Dhabi Airport.
Free ADIB Visa Electron Debit Card
- Secure Access: Access your account at any ATM or retail outlet.
- Services: Check balances, withdraw cash with higher limits, pay bills, and transfer funds for free at over 700 ADIB ATMs in the UAE (charges apply for using non-ADIB ATMs locally and worldwide).
- Shopping: Use your ADIB Visa Debit card at thousands of retail stores locally and internationally.
Expected Quarterly Profits
- Profit Calculation: Profits are calculated monthly and credited quarterly.
- Eligibility: Maintain a minimum monthly balance of AED 5,000 to earn profit.
ADIB Mobile Banking App
- Convenience: Bank anytime, anywhere with the ADIB Mobile Banking App available for iPhone, Android, and Blackberry devices.
- Features:
- Send money domestically and internationally.
- Pay bills and recharge phone and Salik credit.
- Locate the nearest branch or ATM.
- Check balances and statements.
- Apply for financing and more.
- No Data Usage: Dial *161# from your registered mobile number to bank without airtime or data usage charges.
Standing Instructions
- Automation: Set up automatic payments for regular transactions such as bill payments, transfers, donations, or installments on chosen dates.
24-Hour Banking Services
- Multiple Channels: Access banking services through the mobile app, e-ADIB Internet Banking, Telephone Banking, and SMS Banking.
Account Statements
- Delivery: Account statements are sent by postal mail quarterly and e-statements are delivered to your mailbox monthly at no extra cost.
ADIB WebSecure
- Online Shopping Security: Ensures safe online shopping.
Choice of Currency
- Options: Maintain your account in AED, US Dollar, or GBP (note: the ATM card is for use in AED currency only).
Shari’a Compliance
- Principle: This investment account operates on the Islamic principle of Mudaraba, where profits are shared, and losses are borne as stipulated in the Banking Service Agreement.
Required Documents
- Original Passport: Required for all account holders in the case of joint accounts.
- Valid Emirates ID: For UAE Nationals and Residents.
- Salary Certificate: Required if transferring your salary to this account.
- Initial Deposit: AED 3,000 if not transferring your salary to this account.
