ADIB | Short Term Investment Account

Key Benefits

A Higher Expected Profit Rate

Standing Instructions

Foreign Currency Remittances

Account Statements

A Higher Expected Profit Rate

A higher profit rate is expected for ADIB Short Term Investment Account holders (compared to a regular Savings Account). Profits are calculated daily and credited to your account on a monthly basis.

Standing Instructions

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

Foreign Currency Remittances

in USD and GBP.

No Fall Below Fees

If the account balance drops to 0.00 AED.

Account Statements

Your account statements are also sent to you by postal mail on a quarterly basis.

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
General Terms and Conditions for Accounts and Islamic Banking Services
New Announcment of Profit Distribution Method date:28/02/2022
Key Facts Statement

Profit Rates

Customer Profit Rate for October 2022

Customer Profit Rate for October 2022

Tier	10 K - 500 K	501 K - 2000 K	2001 K - 5000 K	> 5001 K
AED & USD	0.49%	0.50%	0.51%	0.52%
EUR	0.49%	0.50%	0.51%	0.52%
GBP	0.49%	0.50%	0.51%	0.52%
CAD	0.49%	0.50%	0.51%	0.52%
JPY	0.49%	0.50%	0.51%	0.52%
Profit Rate for Islamic Credit Card Cover				0.49%

Above are the actual profit distribution rates for AED & USD deposits for October 2022. Future month profit distribution rates, if any, may vary and will be made in accordance with the ADIB’s Banking Services Agreement.
Please note that profit distributions to Short Term investment account is on monthly basis.

Customer Profit Rate for last 24 months

2022

Customer Profit Rate for September 2022

Tier	10 K - 500 K	501 K - 2000 K	2001 K - 5000 K	> 5000 K
AED & USD	0.56%	0.57%	0.58%	0.59%
EUR	0.56%	0.57%	0.58%	0.59%
GBP	0.56%	0.57%	0.58%	0.59%
CAD	0.56%	0.57%	0.58%	0.59%
JPY	0.56%	0.57%	0.58%	0.59%
Profit Rate for Islamic Credit Card Cover				0.56%

Customer Profit Rate for August 2022

Tier	10 K - 500 K	501 K - 2000 K	2001 K - 5000 K	> 5000 K
AED & USD	0.45%	0.46%	0.47%	0.48%
EUR	0.45%	0.46%	0.47%	0.48%
GBP	0.45%	0.46%	0.47%	0.48%
CAD	0.45%	0.46%	0.47%	0.48%
JPY	0.45%	0.46%	0.47%	0.48%
Profit Rate for Islamic Credit Card Cover				0.450%

Customer Profit Rate for July 2022

Tier	10 K - 500 K	501 K - 2000 K	2001 K - 5000 K	> 5000 K
AED & USD	0.43%	0.44%	0.45%	0.46%
EUR	0.43%	0.44%	0.45%	0.46%
GBP	0.43%	0.44%	0.45%	0.46%
CAD	0.43%	0.44%	0.45%	0.46%
JPY	0.43%	0.44%	0.45%	0.46%
Profit Rate for Islamic Credit Card Cover				0.430%

Customer Profit Rate for June 2022

Tier	10 K - 500 K	501 K - 2000 K	2001 K - 5000 K	> 5000 K
AED & USD	0.43%	0.44%	0.45%	0.46%
EUR	0.43%	0.44%	0.45%	0.46%
GBP	0.43%	0.44%	0.45%	0.46%
CAD	0.43%	0.44%	0.45%	0.46%
JPY	0.43%	0.44%	0.45%	0.46%
Profit Rate for Islamic Credit Card Cover				0.43%

Customer Profit Rate for May 2022

Tier	10 K - 500 K	501 K - 2000 K	2001 K - 5000 K	> 5000 K
AED & USD	0.40%	0.41%	0.42%	0.43%
EUR	0.40%	0.41%	0.42%	0.43%
GBP	0.40%	0.41%	0.42%	0.43%
CAD	0.40%	0.41%	0.42%	0.43%
JPY	0.40%	0.41%	0.42%	0.43%
Profit Rate for Islamic Credit Card Cover				0.400%

Customer Profit Rate for April 2022

Tier	10 K - 500 K	501 K - 2000 K	2001 K - 5000 K	> 5000 K
AED & USD	0.40%	0.41%	0.42%	0.43%
EUR	0.40%	0.41%	0.42%	0.43%
GBP	0.40%	0.41%	0.42%	0.43%
CAD	0.40%	0.41%	0.42%	0.43%
JPY	0.40%	0.41%	0.42%	0.43%
Profit Rate for Islamic Credit Card Cover				0.40%

Customer Profit Rate for March 2022

Tier	10 K - 500 K	501 K - 2000 K	2001 K - 5000 K	> 5000 K
AED & USD	0.44%	0.45%	0.46%	0.47%
EUR	0.44%	0.45%	0.46%	0.47%
GBP	0.44%	0.45%	0.46%	0.47%
CAD	0.44%	0.45%	0.46%	0.47%
JPY	0.44%	0.45%	0.46%	0.47%
Profit Rate for Islamic Credit Card Cover				0.440%

Customer Profit Rate for February 2022

Tier	10 K - 500 K	501 K - 2000 K	2001 K - 5000 K	> 5000 K
AED & USD	0.40%	0.41%	0.42%	0.43%
EUR	0.40%	0.41%	0.42%	0.43%
GBP	0.40%	0.41%	0.42%	0.43%
CAD	0.40%	0.41%	0.42%	0.43%
JPY	0.40%	0.41%	0.42%	0.43%
Profit Rate for Islamic Credit Card Cover				0.400%

Customer Profit Rate for January 2022

Tier	10 K - 500 K	501 K - 2000 K	2001 K - 5000 K	> 5000 K
AED & USD	0.39%	0.40%	0.41%	0.42%
EUR	0.39%	0.40%	0.41%	0.42%
GBP	0.39%	0.40%	0.41%	0.42%
CAD	0.39%	0.40%	0.41%	0.42%
JPY	0.39%	0.40%	0.41%	0.42%
Profit Rate for Islamic Credit Card Cover				0.39%

2021

Customer Profit Rate for December 2021

Tier	10 K - 500 K	501 K - 2000 K	2001 K - 5000 K	> 5000 K
AED & USD	0.44%	0.45%	0.46%	0.47%
EUR	0.44%	0.45%	0.46%	0.47%
GBP	0.44%	0.45%	0.46%	0.47%
CAD	0.44%	0.45%	0.46%	0.47%
JPY	0.44%	0.45%	0.46%	0.47%
Profit Rate for Islamic Credit Card Cover				0.44%

Customer Profit Rate for November 2021

Tier	10 K - 500 K	501 K - 2000 K	2001 K - 5000 K	> 5000 K
AED & USD	0.40%	0.41%	0.42%	0.43%
EUR	0.40%	0.41%	0.42%	0.43%
GBP	0.40%	0.41%	0.42%	0.43%
CAD	0.40%	0.41%	0.42%	0.43%
JPY	0.40%	0.41%	0.42%	0.43%
Profit Rate for Islamic Credit Card Cover				0.400%

Customer Profit Rate for October 2021

Tier	10 K - 500 K	501 K - 2000 K	2001 K - 5000 K	> 5000 K
AED & USD	0.38%	0.39%	0.40%	0.41%
EUR	0.38%	0.39%	0.40%	0.41%
GBP	0.38%	0.39%	0.40%	0.41%
CAD	0.38%	0.39%	0.40%	0.41%
JPY	0.38%	0.39%	0.40%	0.41%
Profit Rate for Islamic Credit Card Cover				0.380%

Customer Profit Rate for September 2021

Tier	10 K - 500 K	501 K - 2000 K	2001 K - 5000 K	> 5000 K
AED & USD	0.39%	0.40%	0.41%	0.42%
EUR	0.39%	0.40%	0.41%	0.42%
GBP	0.39%	0.40%	0.41%	0.42%
CAD	0.39%	0.40%	0.41%	0.42%
JPY	0.39%	0.40%	0.41%	0.42%
Profit Rate for Islamic Credit Card Cover				0.390%

Customer Profit Rate for August 2021

Tier	10 K - 500 K	501 K - 2000 K	2001 K - 5000 K	> 5000 K
AED & USD	0.39%	0.40%	0.41%	0.42%
EUR	0.39%	0.40%	0.41%	0.42%
GBP	0.39%	0.40%	0.41%	0.42%
CAD	0.39%	0.40%	0.41%	0.42%
JPY	0.39%	0.40%	0.41%	0.42%
Profit Rate for Islamic Credit Card Cover				0.390%

Customer Profit Rate for July 2021

Tier	10 K - 500 K	501 K - 2000 K	2001 K - 5000 K	> 5000 K
AED & USD	0.37%	0.38%	0.39%	0.40%
EUR	0.37%	0.38%	0.39%	0.40%
GBP	0.37%	0.38%	0.39%	0.40%
CAD	0.37%	0.38%	0.39%	0.40%
JPY	0.37%	0.38%	0.39%	0.40%
Profit Rate for Islamic Credit Card Cover				0.37%

Customer Profit Rate for June 2021

Tier	10 K - 500 K	501 K - 2000 K	2001 K - 5000 K	> 5000 K
AED & USD	0.390%	0.400%	0.410%	0.420%
EUR	0.390%	0.400%	0.410%	0.420%
GBP	0.390%	0.400%	0.410%	0.420%
CAD	0.390%	0.400%	0.410%	0.420%
JPY	0.390%	0.400%	0.410%	0.420%
Profit Rate for Islamic Credit Card Cover				0.390%

Customer Profit Rate for May 2021

Tier	10 K - 500 K	501 K - 2000 K	2001 K - 5000 K	> 5000 K
AED & USD	0.390%	0.400%	0.410%	0.420%
EUR	0.390%	0.400%	0.410%	0.420%
GBP	0.390%	0.400%	0.410%	0.420%
CAD	0.390%	0.400%	0.410%	0.420%
JPY	0.390%	0.400%	0.410%	0.420%
Profit Rate for Islamic Credit Card Cover				0.390%

Customer Profit Rate for April 2021

Tier	10 K - 500 K	501 K - 2000 K	2001 K - 5000 K	> 5000 K
AED & USD	0.400%	0.410%	0.420%	0.430%
EUR	0.400%	0.410%	0.420%	0.430%
GBP	0.400%	0.410%	0.420%	0.430%
CAD	0.400%	0.410%	0.420%	0.430%
JPY	0.400%	0.410%	0.420%	0.430%
Profit Rate for Islamic Credit Card Cover				0.400%

Customer Profit Rate for March 2021

Tier	10 K - 500 K	501 K - 2000 K	2001 K - 5000 K	> 5000 K
AED & USD	0.420%	0.430%	0.440%	0.450%
EUR	0.420%	0.430%	0.440%	0.450%
GBP	0.420%	0.430%	0.440%	0.450%
CAD	0.420%	0.430%	0.440%	0.450%
JPY	0.420%	0.430%	0.440%	0.450%
Profit Rate for Islamic Credit Card Cover				0.420%

Customer Profit Rate for February 2021

Tier	10 K - 500 K	501 K - 2000 K	2001 K - 5000 K	> 5000 K
AED & USD	0.380%	0.390%	0.400%	0.410%
EUR	0.380%	0.390%	0.400%	0.410%
GBP	0.380%	0.390%	0.400%	0.410%
CAD	0.380%	0.390%	0.400%	0.410%
JPY	0.380%	0.390%	0.400%	0.410%
Profit Rate for Islamic Credit Card Cover				0.380%

Customer Profit Rate for January 2021

Tier	10 K - 500 K	501 K - 2000 K	2001 K - 5000 K	> 5000 K
AED & USD	0.390%	0.400%	0.410%	0.420%
EUR	0.390%	0.400%	0.410%	0.420%
GBP	0.390%	0.400%	0.410%	0.420%
CAD	0.390%	0.400%	0.410%	0.420%
JPY	0.390%	0.400%	0.410%	0.420
Profit Rate for Islamic Credit Card Cover				0.390%

2020

Customer Profit Rate for December 2020

Tier	10 K - 500 K	501 K - 2000 K	2001 K - 5000 K	> 5001 K
AED & USD	0.400%	0.410%	0.420%	0.430%
EUR	0.400%	0.410%	0.420%	0.430%
GBP	0.400%	0.410%	0.420%	0.430%
CAD	0.400%	0.410%	0.420%	0.430%
JPY	0.400%	0.410%	0.420%	0.430
Profit Rate for Islamic Credit Card Cover				0.400%

Customer Profit Rate for November 2020

Tier	10 K - 500 K	501 K - 2000 K	2001 K - 5000 K	> 5001 K
AED & USD	0.420%	0.430%	0.440%	0.450%
EUR	0.420%	0.430%	0.440%	0.450%
GBP	0.420%	0.430%	0.440%	0.450%
CAD	0.420%	0.430%	0.440%	0.450%
JPY	0.420%	0.430%	0.440%	0.450
Profit Rate for Islamic Credit Card Cover				0.420%

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Check our Frequently Asked Questions

Short Term Investment Account

Key Benefits

A Higher Expected Profit Rate

Standing Instructions

Foreign Currency Remittances

No Fall Below Fees

Account Statements

Documents you'll need

Important Information

Profit Rates

Apply Now

Visit a Branch