ADIB | Islamic Investment Deposit Bank Account

Home / Personal / Accounts / Investment Deposit Account

Key Benefits

A Higher Expected Profit Rate

Flexible Investment Period

Reinvestment

Financing Option

A Higher Expected Profit Rate

A higher profit rate is expected for ADIB Recurring Investment Account holders (compared to a regular Savings Account)

Flexible Investment Period

You can choose to invest with us and claim profits every one, three, six, nine or twelve months.

Reinvestment

Upon completion of the investment period, the amount is reinvested and you can choose to either transfer the distributed profit to an account specified by you or add up the distributed profits and the actual amount and invest it again.

Financing Option

You can avail of any ADIB financing option equivalent to the amount you have invested with us.

How is this Shari'a compliant?

This investment account is based on the Islamic principle of Mudaraba where you share profits and bear losses as stipulated in the Banking Service Agreement.

Documents you'll need

Original Passport (for UAE Nationals, Residents & Non-Residents) – Joint Accounts, please bring all original passports and all account holders should also be present
Valid Emirates ID (for UAE Nationals & Residents)
A minimum fixed investment of AED 10,000/- is required.

Important Information

Banking Services and Tariff Board - Effective date: 22/01/2024
General Terms and Conditions for Accounts and Islamic Banking Services
New Announcment of Profit Distribution Method date:01/12/2022
Key Facts Statement

Profit Rates

Click here for Customer Profit Rate for last 24 months

Customer Profit Rate for February 2024

Time Deposit Rates For Each Tier

Customer Profit Rate For February 2024

For AED & USD

Tier	10 K - 250 K	250 K - 1 M	1 M - 5 M	5 M - 10 M	> 10 M
1 Month	0.68%	0.68%	0.68%	0.68%	0.71%
3 Month	0.70%	0.70%	0.70%	0.70%	0.74%
6 Month	0.72%	0.72%	0.72%	0.72%	0.81%
9 Month	0.75%	0.75%	0.75%	0.75%	0.85%
12 Month	0.80%	0.80%	0.80%	0.80%	0.90%

For EUR

Tier	10 K - 250 K	250 K - 1 M	1 M - 5 M	5 M - 10 M	> 10 M
1 Month	0.68%	0.68%	0.68%	0.68%	0.71%
3 Month	0.70%	0.70%	0.70%	0.70%	0.74%
6 Month	0.72%	0.72%	0.72%	0.72%	0.81%
9 Month	0.75%	0.75%	0.75%	0.75%	0.85%
12 Month	0.80%	0.80%	0.80%	0.80%	0.90%

For GBP

Tier	10 K - 250 K	250 K - 1 M	1 M - 5 M	5 M - 10 M	> 10 M
1 Month	0.68%	0.68%	0.68%	0.68%	0.71%
3 Month	0.70%	0.70%	0.70%	0.70%	0.74%
6 Month	0.72%	0.72%	0.72%	0.72%	0.81%
9 Month	0.75%	0.75%	0.75%	0.75%	0.85%
12 Month	0.80%	0.80%	0.80%	0.80%	0.90%

For CHF

Tier	10 K - 250 K	250 K - 1 M	1 M - 5 M	5 M - 10 M	> 10 M
1 Month	0.68%	0.68%	0.68%	0.68%	0.71%
3 Month	0.70%	0.70%	0.70%	0.70%	0.74%
6 Month	0.72%	0.72%	0.72%	0.72%	0.81%
9 Month	0.75%	0.75%	0.75%	0.75%	0.85%
12 Month	0.80%	0.80%	0.80%	0.80%	0.90%

For CAD

Tier	10 K - 250 K	250 K - 1 M	1 M - 5 M	5 M - 10 M	> 10 M
1 Month	0.68%	0.68%	0.68%	0.68%	0.71%
3 Month	0.70%	0.70%	0.70%	0.70%	0.74%
6 Month	0.72%	0.72%	0.72%	0.72%	0.81%
9 Month	0.75%	0.75%	0.75%	0.75%	0.85%
12 Month	0.80%	0.80%	0.80%	0.80%	0.90%

For JPY

Tier	10 K - 250 K	250 K - 1 M	1 M - 5 M	5 M - 10 M	> 10 M
1 Month	0.68%	0.68%	0.68%	0.68%	0.71%
3 Month	0.70%	0.70%	0.70%	0.70%	0.74%
6 Month	0.72%	0.72%	0.72%	0.72%	0.81%
9 Month	0.75%	0.75%	0.75%	0.75%	0.85%
12 Month	0.80%	0.80%	0.80%	0.80%	0.90%

Above are the actual profit distribution rates for January 2024. Future month profit distribution rates, if any, may vary and will be made in accordance with the ADIB's Banking Services Agreement.

Apply Now

Visit a Branch

Find your nearest ADIB branch

FIND A BRANCH

Check our Frequently Asked Questions

Investment Deposit Account

Key Benefits

A Higher Expected Profit Rate

Flexible Investment Period

Reinvestment

Financing Option

Documents you'll need

Important Information

Profit Rates

Apply Now

Visit a Branch