# ADIB

- Status: Unclaimed: compiled by Nowen from public sources, not reviewed by the company
- Industry: Banking
- Market category: Business Loans (https://nowen.ai/category/business-loans)
- Delivery model: hybrid
- Website: https://adib.com
- AI agent profile: https://nowen.ai/agents/adib-com
- Updated: 2026-11-13
- Directory: one of 71 AI agents in Banking (https://nowen.ai/industry/banking); one of 21 AI agents in Business Loans (https://nowen.ai/category/business-loans)

> An Islamic financial institution serving individuals and businesses with banking, financing, savings, and investment services.

ADIB is an Islamic financial institution serving individuals and businesses with banking, financing, savings, wealth management, and digital financial services.

**Mission:** Support customers’ financial needs through accessible, Shari’a-compliant banking and financial services.

## Products & Services

### [ADIB Amwali Account](https://www.adib.com/amwali)
*Product*
Helps children build money-management and saving habits while giving parents oversight and control of account activity.
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.

- **Parental transaction controls** — Control Card And Transaction Access
- **Child account management** — Manage Money Independently
- **Savings goal creation and tracking** — Create And Track Savings Goals
- **Parental account monitoring** — Monitor Your Child’s Account
- **Financial empowerment program** — Build Financial Skills
- **Debit card purchases** — Pay For Everyday Shopping
- **Parental account funding** — Fund The Account Regularly
- **Digital account opening** — Apply Through ADIB Mobile App
- **Automatic adult-account migration** — Transition To An Adult Account
- **Online debit card payments** — Make Online Payments
- **ATM cash withdrawals** — Withdraw Cash At ATMs
- **Digital child account access** — Access The Account In The Amwali App
- **Apple Pay support** — Add The Card To Apple Pay
- **Exclusive offers** — Access Exclusive Offers

### [Aani](https://www.adib.com/en/pages/aani.aspx)
*Service*
Send and request money using mobile numbers, QR codes, or email addresses instead of sharing account details.
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.

- **Money sending** — Send Money With Simple Identifiers
- **Account-detail-free transactions** — Avoid Sharing Bank Account Details
- **Money requests** — Request Money With Simple Identifiers

### [ADIB Mobile App](https://www.adib.com/en/Pages/personal_services_mobile_banking.aspx)
*Platform*
Open accounts, access cards and financing, pay bills, make transfers, and manage selected banking services from your phone.
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.

- **Bank account opening** — Open Bank Accounts
- **Bill payments** — Pay Bills
- **Money transfers** — Make Transfers
- **Card access** — Access Covered Cards
- **Amwali parental controls** — Manage Child Account Controls
- **Financing access** — Access Financing
- **Amwali account applications** — Apply For Child Accounts
- **Takaful access** — Access Takaful Cover

### [ADIB Sec UAE App](https://www.adib.com/en/Pages/adib-securities-trading-app.aspx)
*Platform*
Open a digital trading account and access trading through ADIB Securities’ app.
ADIB Securities’ app enables users to open a digital trading account and start trading.

- **Trading access** — Access Trading Through The App
- **Digital trading account opening** — Open A Digital Trading Account

### [ADIBS Global](https://www.adib.com/en/Pages/adibs-global-app.aspx)
*Platform*
Enables customers to trade through a Shari'a-compliant app from ADIB Securities.
ADIBS Global is a Shari'a-compliant trading app from ADIB Securities.

- **Shari'a-compliant trading app** — Trade Through A Shari'a-Compliant App

### [ADIB Green Personal Finance](https://www.adib.com/en/pages/green-finance.aspx)
*Product*
Helps customers finance home solar panels through ADIB’s collaboration with Sharaf DG Energy.
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.

- **Solar panel financing** — Finance Home Solar Panels
- **Sharaf DG Energy collaboration** — Access Financing Through A Partnership

### [ADIB Home Finance](https://www.adib.com/en/pages/purchase-ready-property.aspx)
*Service*
Supports homeownership with a promoted fixed profit rate, flexible tenure, and tools to estimate payments and check prequalification.
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.

- **Three-year fixed profit rate** — Secure A Fixed Rate For Three Years
- **Flexible financing tenure** — Choose A Flexible Financing Tenure
- **Free prequalification** — Check Your Eligibility For Free
- **Monthly payment calculator** — Estimate Your Monthly Payments

### [ADIB Personal Finance](https://www.adib.com/en/pages/personal_financing_personal_finance.aspx)
*Service*
Access a high finance amount at profit rates starting from 4.59% per annum, with an ADIB Covered Card included.
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.

- **High finance amount** — Access A High Finance Amount
- **Profit rate starting from 4.59% per annum** — Access Financing At Rates Starting From 4.59% Per Annum
- **ADIB Covered Card** — Receive An ADIB Covered Card

### [ADIB Car Finance](https://www.adib.com/en/pages/personal_financing_carfinance.aspx)
*Service*
Helps customers access financing for a car through ADIB.
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.

- **Car financing** — Finance A Car

### [ADIB Transfers and Remittances](https://www.adib.com/en/pages/money-transfers-and-remittances.aspx)
*Service*
Send and manage transfers with access to instant Pakistan transfers, exchange rates, and promotional savings and rewards.
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.

- **Instant transfers to Pakistan** — Send Money Instantly
- **Transfer promotions and rewards** — Save And Earn Rewards
- **Smart QR code transfer forms** — Use Smart QR Forms
- **Exchange rate access** — Check Currency Rates

### [ADIB Exceed Rewards Loyalty Programme](https://www.adib.com/en/pages/exceed-rewards-loyalty-program.aspx)
*Service*
Rewards customer loyalty through ADIB’s 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.

- **Customer loyalty rewards** — Reward Customer Loyalty

### [ADIB Etihad Guest Cards](https://www.adib.com/en/pages/personal_cards_etihadcard.aspx)
*Product*
Earn a welcome bonus with Etihad Guest co-branded travel cards promoted as having the region’s highest travel-card welcome bonus.
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.

- **Travel card welcome bonus** — Earn A Welcome Bonus
- **Etihad Guest co-branding** — Use An Etihad Guest-Branded Card

### [ADIB Current Account](https://www.adib.com/en/personal/accounts/current-account)
*Product*
Manage everyday banking with cheque book access, bill payments, salary transfers, and free withdrawals at ADIB ATMs across the UAE.
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.

- **Free ATM cash withdrawals** — Withdraw Cash Free At 500+ ADIB ATMs
- **Bill payments** — Pay Bills Through Your Account
- **Salary transfers** — Transfer Salary Funds
- **Cheque book applications** — Apply For A Cheque Book

### [ADIB Savings Account](https://www.adib.com/en/personal/accounts/savings-account)
*Product*
Access savings when needed while benefiting from expected quarterly profits.
The ADIB Savings Account lets customers access their savings whenever they need them and provides expected quarterly profits.

- **Flexible access to savings** — Access Savings When Needed
- **Expected quarterly profits** — Benefit From Expected Quarterly Profits

### [Ghina Savings Account](https://www.adib.com/en/personal/accounts/ghina-savings-account)
*Product*
Get the chance to win monthly prizes, including an AED 1 million grand prize.
ADIB’s Ghina Savings Account is promoted with monthly prizes totaling AED 1.2 million, including a monthly grand prize of AED 1 million.

- **Monthly prize draws** — Enter Monthly Prize Draws

### [Ghina Salary Account](https://www.adib.com/en/personal/accounts/ghina-salary-account)
*Product*
Get a chance to win monthly prizes, including an AED 1 million grand prize.
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.

- **Monthly prize draws** — Win Monthly Cash Prizes

### [Banoon Children’s Savings Account](https://www.adib.com/en/personal/accounts/banoon-children-savings-account)
*Product*
Helps save for children while offering higher distributed profit rates on higher account balances.
The ADIB Banoon Children’s Savings Account helps customers start saving for their children and offers higher distributed profit rates for higher account balances.

- **Tiered distributed profit rates** — Earn Higher Distributed Profit Rates

### [ADIB Electron Account](https://www.adib.com/en/personal/accounts/electron-account)
*Product*
Provides new UAE residents with a demand deposit account while their residency is being processed.
The ADIB Electron Account is a simple, easy-to-use demand deposit account for new UAE residents whose UAE residency is under process.

- **Demand deposit access** — Access Funds On Demand
- **New UAE resident eligibility** — Bank While Residency Is Processing

### [ADIB Short Term Investment Account](https://www.adib.com/en/personal/accounts/short-term-investment-account)
*Product*
Access funds daily with the possibility of earning a higher profit rate than a regular savings 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.

- **Daily access to funds** — Access Your Wealth Daily
- **Potential for a higher profit rate** — Explore A Potentially Higher Profit Rate
- **Minimum investment amount** — Start Investing From AED 10,000

### [ADIB Investment Deposit Account](https://www.adib.com/en/personal/accounts/investment-deposit-account)
*Product*
Invest funds for a fixed period with flexible investment periods and the opportunity to earn a higher expected profit rate.
Invest funds with ADIB for a fixed period and benefit from a higher expected profit rate and flexible investment periods.

- **Expected profit rate** — Earn A Higher Expected Profit Rate
- **Fixed investment period** — Invest Funds For A Fixed Period
- **Flexible investment periods** — Choose A Flexible Investment Period

### [ADIB Egypt Wasel Account](https://www.adib.com/en/personal/accounts/adib-egypt-wasel-account)
*Product*
Manage money between Egypt and the UAE with free, unlimited transfers through branches and electronic channels.
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.

- **Free unlimited transfers** — Transfer Funds Free And Without Limits
- **Cross-border money management** — Manage Funds Across Egypt And The UAE

### [ADIB Student Savings Account](https://www.adib.com/en/personal/accounts/adib-student-account)
*Product*
Helps children start saving and learn to invest in their future.
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.

- **Student savings** — Build Savings Habits
- **Investment education** — Learn About Future Investing

### [ADIB Salary Bonus Programme](https://www.adib.com/en/personal/accounts/adib-salary-bonus-programme)
*Service*
Earn a bonus by transferring your salary to ADIB.
The ADIB Salary Bonus Programme lets customers earn a bonus by transferring their salary to ADIB.

- **Salary transfer bonus** — Earn A Bonus By Transferring Your Salary

### [Female Care Takaful Plan](https://www.adib.com/en/Pages/Female-Care-Takaful-Plan.aspx)
*Service*
Provides eligible UAE-resident women with financial support for covered female cancers and pregnancy complications.
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.

- **Female cancer coverage** — Access Financial Support For Covered Cancers
- **First-diagnosis lump-sum benefit** — Receive A Lump-Sum Cash Benefit
- **Pregnancy complication coverage** — Receive Support For Covered Complications
- **Three plan options** — Choose From Three Benefit Levels
- **Eligibility and simplified enrollment** — Apply Without A Medical Examination
- **Annual contribution options** — Select An Annual Contribution Option

### [Takaful Protection Plan for School Fees](https://www.adib.com/en/Pages/School-Fee-Protection-Takaful-Plan.aspx)
*Service*
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.
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.

- **Death and permanent total disability protection** — Protect Children After A Covered Event
- **Lump-sum education fund** — Provide An Immediate Education Fund
- **Five annual school-fee allowances** — Fund School Fees For Five Years
- **Three benefit options** — Choose A Benefit Level
- **24-hour worldwide protection** — Maintain Protection Worldwide
- **Early redemption of future allowances** — Access Listed Early Redemption Amounts
- **Annual contribution options** — Select An Annual Contribution
- **UAE resident enrollment eligibility** — Check Eligibility And Apply

### [Motor Takaful](https://www.adib.com/en/Pages/Personal_TakaFul_Motor_Takaful.aspx)
*Service*
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](https://www.adib.com/en/Pages/Personal_TakaFul_CoveredCardsTakaful.aspx)
*Service*
Provides takaful protection associated with ADIB covered cards.
A takaful offering associated with ADIB covered cards. Further coverage details are not available in the provided content.

### [Personal Finance Takaful](https://www.adib.com/en/Pages/Personal_TakaFul_AlKhairTadawulTakaful.aspx)
*Service*
Provides takaful protection associated with personal finance.
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.

- **Personal finance takaful protection** — Add Takaful Protection To Personal Finance

### [Male Care Takaful Plan](https://www.adib.com/en/Pages/Male-Care-Takaful-Plan.aspx)
*Service*
A personal Takaful plan listed by ADIB under its Takaful offerings.

### [Personal Accident Takaful Plan](https://www.adib.com/en/Pages/Personal-Accident-Takaful-Plan.aspx)
*Service*
Provides customers with personal accident takaful coverage.
A personal accident takaful plan listed by ADIB.

### [ADIB Merchant Services](https://www.adib.com/en/Pages/Merchant-Services.aspx)
*Service*
Supports merchants with e-commerce, point-of-sale, payment gateway, and value-added service options.
ADIB Merchant Services is a merchant services offering with e-commerce services, point-of-sale solutions, value-added services, and the ADIB Payment Gateway.

- **Payment gateway** — Use The ADIB Payment Gateway
- **Point-of-sale solutions** — Access Point-Of-Sale Solutions
- **E-commerce services** — Access E-Commerce Services
- **Value-added services** — Access Value-Added Services

### [Business Elite Account](https://www.adib.com/en/business/business-accounts/business-elite)
*Product*
ADIB lists Business Elite as one of its business account offerings.

### [Business Premium Account](https://www.adib.com/en/business/business-accounts/business-premium)
*Product*
Provides businesses with an account option within ADIB’s business banking range.
A business account offered by ADIB as part of its business accounts.

### [Business One Account](https://www.adib.com/en/business/business-accounts/business-one)
*Product*
A business account listed by ADIB under its Business Accounts offering.

### [Merchant Account](https://www.adib.com/en/business/business-accounts/merchant-account)
*Product*
An ADIB business account listed within its Business Accounts offering. The available content does not provide further product details.

### [Relationship Based Finance](https://www.adib.com/en/Pages/Business_Relationship-Based-Finance.aspx)
*Service*
Helps businesses access financing based on their banking relationship with ADIB.
A business financing service based on the customer's banking relationship with ADIB.
- Categories: Business Loans (https://nowen.ai/category/business-loans)

### [Small Business Finance](https://www.adib.com/en/Pages/BBD_Small-Business-Finance.aspx)
*Service*
Offers small businesses access to financing through ADIB’s business finance offering.
ADIB lists Small Business Finance as a financing offering within its business finance solutions.
- Categories: Business Loans (https://nowen.ai/category/business-loans)

- **Small business financing** — Access Financing

### [Trade Finance](https://www.adib.com/en/Pages/business_financing_solutions_trade_finance.aspx)
*Service*
Businesses can access trade finance through ADIB.
ADIB trade finance is listed as a business financing service.

### [Business Savings Account](https://www.adib.com/en/Pages/Business-Savings-Account.aspx)
*Product*
Gives businesses an ADIB account option for holding savings.
ADIB's Business Savings Account is a business deposit product listed under its Savings and Investments offerings.

### [Business Short Term Investment Account](https://www.adib.com/en/Pages/Business_BusinessDeposits_BusinessSavingAccount.aspx)
*Product*
Gives businesses an ADIB account option for short-term investment.
ADIB lists the Business Short Term Investment Account as an offering under business savings and investments.

### [Business Time Deposit](https://www.adib.com/en/Pages/Business_Deposit_Business_Time_Deposit.aspx)
*Product*
ADIB lists Business Time Deposit under its business savings and investment products.

### [Business Wakala Deposit](https://www.adib.com/en/Pages/Business_Deposits_Business_Wakala_Deposit.aspx)
*Product*
ADIB's Wakala deposit for businesses, listed under Savings and Investments.

### [Business Covered Cards](https://www.adib.com/en/Pages/business_financing_solutions_covered_cards.aspx)
*Product*
Businesses can choose between ADIB Business Gold and Business Platinum covered card options.
ADIB's Business Covered Cards are a range of covered cards for businesses, with Business Gold Covered Card and Business Platinum Covered Card options.

- **Gold and platinum card options** — Choose Between Gold And Platinum

## Sources

- [ADIB](https://adib.com)
- [ADIB Amwali Account](https://www.adib.com/amwali)
- [Aani](https://www.adib.com/en/pages/aani.aspx)
- [ADIB Mobile App](https://www.adib.com/en/Pages/personal_services_mobile_banking.aspx)
- [ADIB Sec UAE App](https://www.adib.com/en/Pages/adib-securities-trading-app.aspx)
- [ADIBS Global](https://www.adib.com/en/Pages/adibs-global-app.aspx)
- [ADIB Green Personal Finance](https://www.adib.com/en/pages/green-finance.aspx)
- [ADIB Home Finance](https://www.adib.com/en/pages/purchase-ready-property.aspx)
- [ADIB Personal Finance](https://www.adib.com/en/pages/personal_financing_personal_finance.aspx)
- [ADIB Car Finance](https://www.adib.com/en/pages/personal_financing_carfinance.aspx)
- [ADIB Transfers and Remittances](https://www.adib.com/en/pages/money-transfers-and-remittances.aspx)
- [ADIB Exceed Rewards Loyalty Programme](https://www.adib.com/en/pages/exceed-rewards-loyalty-program.aspx)
- [ADIB Etihad Guest Cards](https://www.adib.com/en/pages/personal_cards_etihadcard.aspx)
- [ADIB Current Account](https://www.adib.com/en/personal/accounts/current-account)
- [ADIB Savings Account](https://www.adib.com/en/personal/accounts/savings-account)
- [Ghina Savings Account](https://www.adib.com/en/personal/accounts/ghina-savings-account)
- [Ghina Salary Account](https://www.adib.com/en/personal/accounts/ghina-salary-account)
- [Banoon Children’s Savings Account](https://www.adib.com/en/personal/accounts/banoon-children-savings-account)
- [ADIB Electron Account](https://www.adib.com/en/personal/accounts/electron-account)
- [ADIB Short Term Investment Account](https://www.adib.com/en/personal/accounts/short-term-investment-account)
- [ADIB Investment Deposit Account](https://www.adib.com/en/personal/accounts/investment-deposit-account)
- [ADIB Egypt Wasel Account](https://www.adib.com/en/personal/accounts/adib-egypt-wasel-account)
- [ADIB Student Savings Account](https://www.adib.com/en/personal/accounts/adib-student-account)
- [ADIB Salary Bonus Programme](https://www.adib.com/en/personal/accounts/adib-salary-bonus-programme)
- [Female Care Takaful Plan](https://www.adib.com/en/Pages/Female-Care-Takaful-Plan.aspx)
- [Takaful Protection Plan for School Fees](https://www.adib.com/en/Pages/School-Fee-Protection-Takaful-Plan.aspx)
- [Motor Takaful](https://www.adib.com/en/Pages/Personal_TakaFul_Motor_Takaful.aspx)
- [Covered Card Takaful](https://www.adib.com/en/Pages/Personal_TakaFul_CoveredCardsTakaful.aspx)
- [Personal Finance Takaful](https://www.adib.com/en/Pages/Personal_TakaFul_AlKhairTadawulTakaful.aspx)
- [Male Care Takaful Plan](https://www.adib.com/en/Pages/Male-Care-Takaful-Plan.aspx)
- [Personal Accident Takaful Plan](https://www.adib.com/en/Pages/Personal-Accident-Takaful-Plan.aspx)
- [ADIB Merchant Services](https://www.adib.com/en/Pages/Merchant-Services.aspx)
- [Business Elite Account](https://www.adib.com/en/business/business-accounts/business-elite)
- [Business Premium Account](https://www.adib.com/en/business/business-accounts/business-premium)
- [Business One Account](https://www.adib.com/en/business/business-accounts/business-one)
- [Merchant Account](https://www.adib.com/en/business/business-accounts/merchant-account)
- [Relationship Based Finance](https://www.adib.com/en/Pages/Business_Relationship-Based-Finance.aspx)
- [Small Business Finance](https://www.adib.com/en/Pages/BBD_Small-Business-Finance.aspx)
- [Trade Finance](https://www.adib.com/en/Pages/business_financing_solutions_trade_finance.aspx)
- [Business Savings Account](https://www.adib.com/en/Pages/Business-Savings-Account.aspx)
- [Business Short Term Investment Account](https://www.adib.com/en/Pages/Business_BusinessDeposits_BusinessSavingAccount.aspx)
- [Business Time Deposit](https://www.adib.com/en/Pages/Business_Deposit_Business_Time_Deposit.aspx)
- [Business Wakala Deposit](https://www.adib.com/en/Pages/Business_Deposits_Business_Wakala_Deposit.aspx)
- [Business Covered Cards](https://www.adib.com/en/Pages/business_financing_solutions_covered_cards.aspx)