Invest your funds with ADIB for a fixed period of time, and enjoy a higher expected profit rate and flexible investment p​eriods!​​


YOUR BENEFITS INCLUDE:

 

Higher expected Profit Rate

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

Reinvestement

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. 

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.

You need to invest a minimum of AED 10,000.

Residency in the UAE is not required for opening this account.

Flexible Investment Period

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

Financing Option

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

Free VISA Cashback Card

A complementary ADIB Visa Cashback Card (read more)  is also offered to ADIB Investment Account holders. ​​​​​

Banking Services and Tariff Board​

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

 

Time Deposit Rates For Each Tier
Customer Profit Rate For September 2019
 
For AED & USD
  10 K 250 K 1 M 5 M  
Tier 250 K 1 M 5 M 10 M > 10 M
1 Month0.60%0.60%0.60%0.60%0.63%
3 Month0.62%0.62%0.62%0.62%0.65%
6 Month0.64%0.64%0.64%0.64%0.73%
9 Month0.67%0.67%0.67%0.67%0.77%
12 Month0.72%0.72%0.72%0.72%0.82%


For EUR
  10 K 250 K 1 M 5 M  
Tier 250 K 1 M 5 M 10 M > 10 M
1 Month0.60%0.60%0.60%0.60%0.63%
3 Month0.62%0.62%0.62%0.62%0.65%
6 Month0.64%0.64%0.64%0.64%0.73%
9 Month0.67%0.67%0.67%0.67%0.77%
12 Month0.72%0.72%0.72%0.72%0.82%


For GBP
  10 K 250 K 1 M 5 M  
Tier 250 K 1 M 5 M 10 M > 10 M
1 Month0.60%0.60%0.60%0.60%0.63%
3 Month0.62%0.62%0.62%0.62%0.65%
6 Month0.64%0.64%0.64%0.64%0.73%
9 Month0.67%0.67%0.67%0.67%0.77%
12 Month0.72%0.72%0.72%0.72%0.82%


For CHF
  10 K 250 K 1 M 5 M  
Tier 250 K 1 M 5 M 10 M > 10 M
1 Month0.60%0.60%0.60%0.60%0.63%
3 Month0.62%0.62%0.62%0.62%0.65%
6 Month0.64%0.64%0.64%0.64%0.73%
9 Month0.67%0.67%0.67%0.67%0.77%
12 Month0.72%0.72%0.72%0.72%0.82%


For CAD
  10 K 250 K 1 M 5 M  
Tier 250 K 1 M 5 M 10 M > 10 M
1 Month0.60%0.60%0.60%0.60%0.63%
3 Month0.62%0.62%0.62%0.62%0.65%
6 Month0.64%0.64%0.64%0.64%0.73%
9 Month0.67%0.67%0.67%0.67%0.77%
12 Month0.72%0.72%0.72%0.72%0.82%


For JPY
  10 K 250 K 1 M 5 M  
Tier 250 K 1 M 5 M 10 M > 10 M
1 Month0.60%0.60%0.60%0.60%0.63%
3 Month0.62%0.62%0.62%0.62%0.65%
6 Month0.64%0.64%0.64%0.64%0.73%
9 Month0.67%0.67%0.67%0.67%0.77%
12 Month0.72%0.72%0.72%0.72%0.82%

 

 

  • Above are the actual profit distribution rates for September 2019. Future month profit distribution rates, if any, may vary and will be made in accordance with the ADIB's Banking Services Agreement.