ADIB

Helps children build money-management and saving habits while giving parents oversight and control of account activity.

Send and request money using mobile numbers, QR codes, or email addresses instead of sharing account details.

Open accounts, access cards and financing, pay bills, make transfers, and manage selected banking services from your phone.

Open a digital trading account and access trading through ADIB Securities’ app.

Enables customers to trade through a Shari'a-compliant app from ADIB Securities.

Helps customers finance home solar panels through ADIB’s collaboration with Sharaf DG Energy.

Supports homeownership with a promoted fixed profit rate, flexible tenure, and tools to estimate payments and check prequalification.

Access a high finance amount at profit rates starting from 4.59% per annum, with an ADIB Covered Card included.

Helps customers access financing for a car through ADIB.

Send and manage transfers with access to instant Pakistan transfers, exchange rates, and promotional savings and rewards.

Rewards customer loyalty through ADIB’s loyalty programme.

Earn a welcome bonus with Etihad Guest co-branded travel cards promoted as having the region’s highest travel-card welcome bonus.

Manage everyday banking with cheque book access, bill payments, salary transfers, and free withdrawals at ADIB ATMs across the UAE.

Access savings when needed while benefiting from expected quarterly profits.

Get the chance to win monthly prizes, including an AED 1 million grand prize.

Get a chance to win monthly prizes, including an AED 1 million grand prize.

Helps save for children while offering higher distributed profit rates on higher account balances.

Provides new UAE residents with a demand deposit account while their residency is being processed.

Access funds daily with the possibility of earning a higher profit rate than a regular savings account.

Invest funds for a fixed period with flexible investment periods and the opportunity to earn a higher expected profit rate.

Manage money between Egypt and the UAE with free, unlimited transfers through branches and electronic channels.

Helps children start saving and learn to invest in their future.

Earn a bonus by transferring your salary to ADIB.

Provides eligible UAE-resident women with financial support for covered female cancers and pregnancy complications.

Helps keep children’s education funded after a parent’s death or permanent total disability through a lump sum and five annual school-fee allowances.

Provides takaful protection associated with ADIB covered cards.

Provides takaful protection associated with personal finance.

Provides customers with personal accident takaful coverage.

Supports merchants with e-commerce, point-of-sale, payment gateway, and value-added service options.

Provides businesses with an account option within ADIB’s business banking range.

Helps businesses access financing based on their banking relationship with ADIB.

Offers small businesses access to financing through ADIB’s business finance offering.

Businesses can access trade finance through ADIB.

Gives businesses an ADIB account option for holding savings.

Gives businesses an ADIB account option for short-term investment.

Businesses can choose between ADIB Business Gold and Business Platinum covered card options.

ADIB Amwali Account

ADIB Amwali is a savings account for children aged 8 to 18, opened by an ADIB customer who is their legal guardian or custodian. Children use the ADIB Amwali App to receive and manage money, view balances and spending, pay friends, and create and track savings goals through an accompanying Goal Account. Parents can fund and monitor the account and control card and transaction access through ADIB Mobile App. The account includes a debit card and access to exclusive offers. When the child reaches 18, digital migration to an adult account is initiated automatically.

• Control Card And Transaction Access
  Guardians can manage online card use, ATM use, and transfers, and freeze, unfreeze, or block access to transaction types and debit cards. Transfers to other Amwali Accounts have a stated AED 500 daily limit.
• Manage Money Independently
  Children can use the app to manage account activity, check balances and spending, receive money, and pay friends.
• Create And Track Savings Goals
  Children can create savings goals, allocate funds toward them, and monitor their progress in the ADIB Amwali application.
• Monitor Your Child’s Account
  Parents can view and monitor their child’s account activity through ADIB Mobile App.
• Build Financial Skills
  The account’s financial empowerment program is designed to help children learn money management and develop financial skills.
• Pay For Everyday Shopping
  Children can use the debit card for day-to-day shopping, subject to the stated AED 10,000 daily purchase limit.
• Fund The Account Regularly
  Parents can make one-off or regular payments to fund the child’s account and provide an allowance.
• Apply Through ADIB Mobile App
  A legal guardian or custodian who is an ADIB customer can apply in ADIB Mobile App, submit the required identity documents, and receive the welcome pack at home after verification and activation.
• Transition To An Adult Account
  The account supports a digital transition to an adult account at age 18. The parent receives advance notice and completes the migration through ADIB Mobile App.
• Make Online Payments
  Children can use the debit card for online payments, while guardians can control online usage through the parent dashboard.
• Withdraw Cash At ATMs
  Children can access cash through ATM withdrawals, subject to the AED 500 daily limit and guardian controls.
• Access The Account In The Amwali App
  The child can register the Amwali App by scanning a QR code from the parent’s ADIB Mobile App, then use the app to manage the account.
• Add The Card To Apple Pay
  The debit card can be added to Apple Pay for use through that payment service.
• Access Exclusive Offers
  The account provides access to exclusive offers across categories such as fashion, electronics, gaming, entertainment, and online shopping.

Aani

Aani enables transactions with individuals and businesses using participating banks and other entities. Users can send or request money using mobile numbers, QR codes, or email addresses without exchanging bank account numbers or IBANs.

• Send Money With Simple Identifiers
  Send money to other Aani users using a mobile number, QR code, or email address, without exchanging bank account numbers or IBANs.
• Avoid Sharing Bank Account Details
  Use mobile numbers, QR codes, or email addresses to transact with other Aani users without exchanging bank account numbers or IBANs.
• Request Money With Simple Identifiers
  Request money from other Aani users using a mobile number, QR code, or email address rather than exchanging bank account numbers or IBANs.

ADIB Mobile App

ADIB Mobile App brings everyday banking services to customers’ phones. Customers can open bank accounts, access cards and financing, pay bills, and make transfers. The app also supports applying for Amwali accounts for children, managing parental controls for those accounts, and accessing ADIB Takaful. ADIB has announced digital covered cards on the mobile app with an instant approval process.

• Open Bank Accounts
  Apply to open an ADIB bank account through the app, without needing to begin the process at a branch.
• Pay Bills
  Pay bills through the app as part of everyday banking.
• Make Transfers
  Make transfers through the app, bringing this banking service to your phone.
• Access Covered Cards
  Access cards through the app, including digital covered cards for which ADIB announced an instant approval process.
• Manage Child Account Controls
  Use the app to oversee a child’s Amwali account, control selected card and transaction access, and freeze, unfreeze, or block debit card access.
• Access Financing
  Access ADIB financing services through the mobile app.
• Apply For Child Accounts
  Apply through the app for an Amwali account for a child and provide the required identity documents.
• Access Takaful Cover
  Use the mobile app to access ADIB Takaful coverage, as described by ADIB.

ADIB Sec UAE App

ADIB Securities’ app enables users to open a digital trading account and start trading.

• Access Trading Through The App
  Start trading through ADIB Securities’ app.
• Open A Digital Trading Account
  Open a digital trading account through the app to get started with trading.

ADIBS Global

ADIBS Global is a Shari'a-compliant trading app from ADIB Securities.

• Trade Through A Shari'a-Compliant App
  Customers can use ADIB Securities' app for trading in accordance with its stated Shari'a-compliant approach.

ADIB Green Personal Finance

ADIB Green Personal Finance is a personal financing product offered in collaboration with Sharaf DG Energy to support customers seeking solar panels for their homes. The product is promoted as a way to lighten household bills through solar panels.

• Finance Home Solar Panels
  Customers can use this personal financing offer to support solar panel installations for their homes, an option presented as a way to lighten household bills.
• Access Financing Through A Partnership
  The product is offered through a collaboration between ADIB and Sharaf DG Energy, linking the personal finance offer with the provider’s solar panel offering.

ADIB Home Finance

ADIB Home Finance helps customers pursue homeownership with a promoted profit rate of 3.99% fixed for three years and a flexible financing tenure. Customers can use the Home Finance Planner to estimate monthly payments and obtain free prequalification.

• Secure A Fixed Rate For Three Years
  The promoted 3.99% profit rate stays fixed for three years, giving customers a defined rate period for their home finance.
• Choose A Flexible Financing Tenure
  A flexible financing tenure allows customers to consider a period suited to their home finance plans.
• Check Your Eligibility For Free
  Customers can use the Home Finance Planner to obtain free prequalification as they explore home finance.
• Estimate Your Monthly Payments
  Enter details in the Home Finance Planner to calculate an estimated monthly payment and explore home finance costs.

ADIB Personal Finance

ADIB Personal Finance is promoted with a high finance amount and a financing profit rate starting from 4.59% per annum. The offer also includes an ADIB Covered Card.

• Access A High Finance Amount
  The offer advertises a high finance amount for customers seeking personal financing.
• Access Financing At Rates Starting From 4.59% Per Annum
  Customers can access financing with a profit rate starting from 4.59% per annum.
• Receive An ADIB Covered Card
  The offer includes an ADIB Covered Card alongside personal financing.

ADIB Car Finance

ADIB Car Finance is a personal financing service for customers seeking finance for a car. ADIB’s website lists car finance among its personal finance options.

• Finance A Car
  Access financing for a car through ADIB’s car finance service.

ADIB Transfers and Remittances

ADIB’s money transfer and remittance service includes instant transfers to banks in Pakistan, transfer forms using Smart QR codes, and access to exchange rates. ADIB also promotes free transfers, exchange-rate discounts, and Exceed Rewards on transfers and remittances.

• Send Money Instantly
  Send money through the listed instant transfer service to banks in Pakistan.
• Save And Earn Rewards
  Take advantage of advertised free transfers, exchange-rate discounts, and Exceed Rewards. Specific availability and terms are not provided in the supplied content.
• Use Smart QR Forms
  Access transfer forms identified by ADIB as using Smart QR codes.
• Check Currency Rates
  View exchange rates through the rates resource listed with ADIB’s transfer and remittance services.

ADIB Exceed Rewards Loyalty Programme

ADIB Exceed is a loyalty programme designed to reward customer loyalty and make life more rewarding. ADIB presents it with the promise to help customers exceed expectations.

• Reward Customer Loyalty
  The programme is presented as a way for ADIB to reward customers for their loyalty.

ADIB Etihad Guest Cards

ADIB Etihad Guest Cards are travel cards co-branded with Etihad Guest. ADIB promotes them as offering the highest welcome bonus of any travel card in the Middle East.

• Earn A Welcome Bonus
  The cards offer a welcome bonus. ADIB describes it as the highest welcome bonus of any travel card in the Middle East.
• Use An Etihad Guest-Branded Card
  The co-branding connects the cards with Etihad Guest.

ADIB Current Account

ADIB Current Account is designed to simplify day-to-day banking. Account holders can apply for cheque books, pay bills, transfer salary funds, and withdraw cash free of charge at more than 500 ADIB ATMs across the UAE.

• Withdraw Cash Free At 500+ ADIB ATMs
  Access cash without a withdrawal charge at more than 500 ADIB ATMs across the UAE.
• Pay Bills Through Your Account
  Use the account to pay bills as part of everyday banking.
• Transfer Salary Funds
  Transfer salary funds through the current account.
• Apply For A Cheque Book
  Request a cheque book by applying for one through the account.

ADIB Savings Account

The ADIB Savings Account lets customers access their savings whenever they need them and provides expected quarterly profits.

• Access Savings When Needed
  Customers can access their savings when needed, with the account described as providing safe access.
• Benefit From Expected Quarterly Profits
  Customers can benefit from expected quarterly profits through the savings account.

Ghina Savings Account

ADIB’s Ghina Savings Account is promoted with monthly prizes totaling AED 1.2 million, including a monthly grand prize of AED 1 million.

• Enter Monthly Prize Draws
  Get the chance to win monthly prizes totaling AED 1.2 million, including a monthly grand prize of AED 1 million.

Ghina Salary Account

ADIB’s Ghina Salary Account gives customers the chance to win prizes worth AED 1.2 million every month, including a monthly grand prize of AED 1 million.

• Win Monthly Cash Prizes
  Customers can enter for a chance to win prizes worth AED 1.2 million every month, including an AED 1 million monthly grand prize.

Banoon Children’s Savings Account

The ADIB Banoon Children’s Savings Account helps customers start saving for their children and offers higher distributed profit rates for higher account balances.

• Earn Higher Distributed Profit Rates
  Higher account balances receive higher distributed profit rates, linking the account’s profit rates to the amount saved for children.

ADIB Electron Account

The ADIB Electron Account is a simple, easy-to-use demand deposit account for new UAE residents whose UAE residency is under process.

• Access Funds On Demand
  Use an easy-to-use demand deposit account.
• Bank While Residency Is Processing
  Access an account designed for new UAE residents while their UAE residency is being processed.

ADIB Short Term Investment Account

The ADIB Short Term Investment Account offers daily access to wealth and the possibility of earning a higher profit rate than a regular savings account for investment amounts starting at AED 10,000.

• Access Your Wealth Daily
  Access your wealth daily through the account.
• Explore A Potentially Higher Profit Rate
  The account provides the possibility of earning a higher profit rate than a regular savings account.
• Start Investing From AED 10,000
  Open an investment with an amount starting at AED 10,000.

ADIB Investment Deposit Account

Invest funds with ADIB for a fixed period and benefit from a higher expected profit rate and flexible investment periods.

• Earn A Higher Expected Profit Rate
  Invest funds with the opportunity to earn a higher expected profit rate.
• Invest Funds For A Fixed Period
  Place funds with ADIB for a fixed period of time.
• Choose A Flexible Investment Period
  Choose from flexible investment periods for your funds.

ADIB Egypt Wasel Account

The ADIB Egypt Wasel Account helps customers manage money between Egypt and the UAE. It provides convenient, free, and unlimited money transfers through ADIB branches and electronic channels.

• Transfer Funds Free And Without Limits
  Send money through ADIB branches and electronic channels, with free and unlimited transfers.
• Manage Funds Across Egypt And The UAE
  Manage money between Egypt and the UAE through an account designed to support finances across borders.

ADIB Student Savings Account

The ADIB Student Savings Account is presented as a way for children to get a head start in saving and learn the importance of investing in their future.

• Build Savings Habits
  Children can begin saving with an account positioned to give them a head start.
• Learn About Future Investing
  The account supports learning about the importance of investing in one’s future.

ADIB Salary Bonus Programme

The ADIB Salary Bonus Programme lets customers earn a bonus by transferring their salary to ADIB.

• Earn A Bonus By Transferring Your Salary
  Transfer your salary to ADIB to earn a bonus through the programme.

Female Care Takaful Plan

A takaful plan for UAE-resident women aged 21 to 59 that pays a lump-sum cash benefit upon the first diagnosis of a covered female cancer or pregnancy complication. It covers specified female cancers and pregnancy complications, with three plan options offering benefits of up to AED 200,000. Enrollment requires a short application and payment of an annual contribution; no medical examination is required.

• Access Financial Support For Covered Cancers
  Receive a takaful benefit if diagnosed for the first time with one or more female cancers covered by the plan, subject to its terms and conditions.
• Receive A Lump-Sum Cash Benefit
  A lump-sum payment following the first diagnosis of a covered condition can help with a variety of expenses.
• Receive Support For Covered Complications
  The plan provides a takaful benefit for specified covered pregnancy complications, subject to its terms and conditions.
• Choose From Three Benefit Levels
  Select one of three plan options with different benefit levels for covered female cancers and pregnancy complications.
• Apply Without A Medical Examination
  Eligible UAE-resident women aged 21 to 59 can apply using a short form without a medical examination, then pay the annual contribution to enroll.
• Select An Annual Contribution Option
  Compare the three plan options by their stated annual contribution amounts.

Takaful Protection Plan for School Fees

This takaful plan helps secure children’s education if a covered event affects a parent. Subject to the terms and conditions, it provides protection against death or permanent total disability, with 24-hour worldwide coverage. Half of the selected total benefit is paid as a lump-sum education fund; the rest is paid in five equal annual school-fee allowances. Three plans offer total benefits of AED 250,000, AED 350,000, or AED 500,000, with annual contributions of AED 500, AED 700, or AED 1,000 respectively. The plan is available to UAE residents aged 21 to 64, subject to enrollment requirements.

• Protect Children After A Covered Event
  The benefit is designed to help secure children’s education if a covered event affects a parent. Covered events are death and permanent total disability.
• Provide An Immediate Education Fund
  The plan allocates 50% of the selected total takaful benefit to an education fund paid as a lump sum. The amount varies by plan option.
• Fund School Fees For Five Years
  After the lump-sum education fund, the remaining benefit is paid to the children in five equal annual installments as a school-fee allowance.
• Choose A Benefit Level
  Three plan options provide different total benefits, lump-sum education funds, and annual allowances.
• Maintain Protection Worldwide
  Coverage applies worldwide at any time, subject to the terms and conditions.
• Access Listed Early Redemption Amounts
  The plan tables specify an early redemption amount for remaining future annual allowances. The amount depends on the plan option and year.
• Select An Annual Contribution
  Each plan option has a stated annual contribution of AED 500, AED 700, or AED 1,000.
• Check Eligibility And Apply
  The plan is available to UAE residents between 21 and 64 years old. Applicants complete a short form and pay the annual contribution if no further underwriting is required.

Motor Takaful

A motor takaful offering listed by ADIB under its personal takaful solutions. The available content does not provide details about coverage or benefits.

Covered Card Takaful

A takaful offering associated with ADIB covered cards. Further coverage details are not available in the provided content.

Personal Finance Takaful

ADIB lists Personal Finance Takaful as a takaful protection offering associated with personal finance. The available content does not provide further details about coverage or terms.

• Add Takaful Protection To Personal Finance
  Provides a takaful protection offering associated with personal finance.

Male Care Takaful Plan

A personal Takaful plan listed by ADIB under its Takaful offerings.

Personal Accident Takaful Plan

A personal accident takaful plan listed by ADIB.

ADIB Merchant Services

ADIB Merchant Services is a merchant services offering with e-commerce services, point-of-sale solutions, value-added services, and the ADIB Payment Gateway.

• Use The ADIB Payment Gateway
  The ADIB Payment Gateway is included among the merchant services options.
• Access Point-Of-Sale Solutions
  Merchants can access point-of-sale solutions through ADIB Merchant Services.
• Access E-Commerce Services
  Merchants can access e-commerce services as part of ADIB Merchant Services.
• Access Value-Added Services
  The offering includes value-added services for merchants.

Business Elite Account

ADIB lists Business Elite as one of its business account offerings.

Business Premium Account

A business account offered by ADIB as part of its business accounts.

Business One Account

A business account listed by ADIB under its Business Accounts offering.

Merchant Account

An ADIB business account listed within its Business Accounts offering. The available content does not provide further product details.

Relationship Based Finance

A business financing service based on the customer's banking relationship with ADIB.

Category: Business Loans

Small Business Finance

ADIB lists Small Business Finance as a financing offering within its business finance solutions.

Category: Business Loans

• Access Financing
  Provides small businesses with access to a financing offering from ADIB.

Trade Finance

ADIB trade finance is listed as a business financing service.

Business Savings Account

ADIB's Business Savings Account is a business deposit product listed under its Savings and Investments offerings.

Business Short Term Investment Account

ADIB lists the Business Short Term Investment Account as an offering under business savings and investments.

Business Time Deposit

ADIB lists Business Time Deposit under its business savings and investment products.

Business Wakala Deposit

ADIB's Wakala deposit for businesses, listed under Savings and Investments.

Business Covered Cards

ADIB's Business Covered Cards are a range of covered cards for businesses, with Business Gold Covered Card and Business Platinum Covered Card options.

• Choose Between Gold And Platinum
  Businesses can select between the Business Gold Covered Card and Business Platinum Covered Card options.