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Benefits

Choose your prize!

win when you transfer salary, spend money or send money home with your smartaccount

Transfer your salary

and get a chance to win rewards through ADIB salary bonus

Earn profit

on whatever you save

smartdeals

Enjoy over 1500 deals and discounts through the smartdeals app

Send money home for free

with 1 free domestic and international transfer per month ​​​​​​​

Open your smartaccount today

Become part of the first Islamic digital banking experience in the world

 
 
Take your financial journey to the next level!
Open your smart account now
​​

Resident

United Arab Emirates

Age Criteria

18 years and Above

Usage

Personal and Non-Commercial

Required Documents

  • Original Passport
  • Valid Emirates ID (for UAE Nationals & Residents)
  • Valid UAE residence visa

Reference Documents

Income based

  • Minimum monthly income of AED 5000
  • Salaried/Business Owners/Partners
  • Account for personal use only

Non-Income based

  • House wives (with house wife visa status)
  • Students (with Student ID) and aged below 24
  • Account for personal use only

Profit Rates

2022
JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
0.4769% (p.a) 0.4926% (p.a) 0.5672% (p.a) 0.4974% (p.a) 0.4901% (p.a) 0.5366% (p.a)
2021
JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
0.4749%(p.a) 0.4622% (p.a) 0.5293% (p.a) 0.4903% (p.a) 0.4744% (p.a) 0.4803% (p.a) 0.4434% (p.a) 0.4746% (p.a) 0.4791% (p.a) 0.4593% (p.a) 0.4976% (p.a) 0.5577% (p.a)
2020
JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
0.5564% (p.a) 0.6047% (p.a) 0.4563% (p.a) 0.5285% (p.a) 0.5602% (p.a) 0.5579% (p.a) 0.4787% (p.a) 0.5326% (p.a) 0.5009% (p.a) 0.5482% (p.a) 0.5263% (p.a) 0.4754% (p.a)
2019
JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
    0.610% (p.a) 0.613% (p.a) 0.627% (p.a) 0.6404% (p.a) 0.6798% (p.a) 0.6576% (p.a) 0.6096% (p.a) 0.6065% (p.a) 0.6182% (p.a) 0.8483% (p.a)
  1. Above are the actual profit distribution rates for the respective months. Future month profit distribution rates, if any, may vary and will be made in accordance with the ADIB Smart Banking Account Terms and Conditions.
  2. Monthly profit or loss is calculated on a monthly basis based on the monthly average of the daily closing balance of ADIB Smart Banking Account during any calendar month.
  3. For any balances above AED 1 in the ADIB Smart Banking Account, ADIB will endeavor to deposit the entire achieved profit of the relevant month and which will be fully distributed and deposited in the relevant ADIB Smart Banking Account on a monthly basis and any balance of the achieved profits that is not distributed shall be transferred to the relevant profit equalization reserve of this tier of ADIB Smart Banking Accounts.​