Key Benefits

AED 1 Million Monthly Grand Prize​

Standing Instructions

Free ADIB Visa Debit Card

Expected quarterly profits​

Save smartly with ADIB Ghina

You can be 1 of 46 lucky winners EVERY MONTH to win:

  • 1 Winner to win AED 1 Million
  • 1 of 10 winners to win AED 10,000
  • 1 of 10 Winners to win AED 5,000
  • ​1 of 25 Winners to win AED 2,000

Free ADIB Visa Debit Card

Access your account and funds instantly at any ATM or retail outlet.

Expected quarterly profits

Calculated on a monthly basis and credited to your account every quarter.

ADIB Mobile Banking App

Bank anytime, anywhere with the ADIB Mobile Banking App You can manage your card on the go by downloading ADIB Mobile Banking App from iTunes App Store, Google Play Store, or the HUAWEI AppGallery.

Standing Instructions

Manage your time by automatically making payments for regular transactions (such as bill payments, transfers, donations or installments) on your chosen dates.

24 hour Banking Services

In addition to our mobile app, you will always have:

e-ADIB Internet Banking (read more)
Telephone Banking (read more)
SMS Banking (read more)
ADIB Chat Banking (read more)

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.

All prizes granted to the ADIB Ghina Winners shall be exclusively from ADIB’s shareholders funds at the sole discretion of ADIB.

Documents you'll need

  • (Original passport (for UAE National, Residents and Non-Residents).
  • Valid Emirates ID (for UAE Nationals & Residents)​
  • Initial deposit AED 20,000.​

Important Information

Banking Services and Tariff Board​ - Effective date: 1st July, 2024​​​
General Terms and Conditions for Accounts and Islamic Banking Services
Ghina Account Terms and Conditions (Effective till F​ebruary 29th, 2024)​
N​ew Ghina Account Terms and Conditions​ (Effective from March 1st,2024)
New Announcment of Profit Distribution Method​ date:01/12/2022
Key Facts Statement​​​​​​​​​​​​​​​