You can also realize your dreams of becoming a millionaire with the ADIB Ghina Salary Account. Simply transfer your salary to ADIB and you can get a chance to become a millionaire!



Special Offer: In addition to a chance of winning AED 3,000,000 this December, Every additional AED 50,000 in your Ghina Savings account gives you the chance to win:

  • Mercedes-AMG S 63 4MATIC+ Coupé
  • 1kg of gold

Hurry, the more you save the more you win!

Offers terms & conditions.

Transfering your salary is winning with ADIB Ghina!  


Transfer your salary to ADIB and you can participate in the AED 3 million Ghina prize draw (and other prizes) by maintaining an average monthly balance of AED 20,000 with the ADIB Ghina Salary Account. 


Here’s how this works:  

  • ​ Open a Ghina Salary Account; transfer your salary (minimum AED 8,000) to ADIB.            

  • Maintain an average monthly balance of AED 20,000 to get your first Ghina draw entry.            

  • Get an extra Ghina draw entry every month for every AED 20,000 average monthly balance in your Ghina Salary Account.

  • If the monthly average balance of the Ghina Salary Account falls below AED 20,000, then the Account Holder will lose all the collected Ghina draw entries and Ghina welcome draw entry. A new Ghina salary draw entry calculation cycle will start accordingly.

  • The Account Holder should at least have four Ghina draw entries to enter the Ghina grand draw, (a maximum of 1,000 draw entries are allowed per account per draw).

  • All Ghina draw entries will expire immediately/ re-set to zero upon their participation in the Ghina grand draw .

  • For more information about the Ghina Salary Account draw schedule and winner list, kindly refer to Ghina Savings Account

Your benefits include: 

  • ​ Free ADIB Visa Electron Debit Card​​  to access your account and funds instantly ​​at any ATM or retail outlet. 

  • Expected monthly profits​ calculated on a monthly basis and credited to your account every month. 

  • ADIB Mobile Banking App! Bank anytime, anywhere with the ADIB Mobile Banking App - available for all iPhone and Android devices. 

  • Standing Instructions to 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, Telephone Banking, and SMS Banking.​

  • Ghina Salary account (SPA) holder can also avail a Cheque book, (first Cheque book comes free while additional ones can be obtained by paying AED 25)  


 Salary transfer with ADIB Ghina is easy and rewarding 

  • ​​​Eligible to participate in Ghina grand prize of AED 3 million every 4 months.

  • Eligible to participate in the monthly draw of 10 lucky winners, win AED 10,000 every month!​​​​​​​​


So Hurry! Join ADIB Ghina Salary Account Now, to start saving smartly.​


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.

Terms and conditions apply



  • Original passport.
  • Valid Emirates ID (for UAE Nationals & Residents)​
  • A Salary certificate from your employer with minimum salary of AED 8,000