ADCB Islamic Millionaire Destiny Savings Account: Fees and Eligibility
Save for a chance to win monthly prizes
Primary sources reviewed on 2026-10-18. A source review is a dated snapshot; confirm the current quote before opening.
Check ADCB Islamic鈥檚 official account termsSalary, balance and account fees
Published minimum salaryNot established
Balance to avoid feeAED 3,000
Monthly fall-below feeAED 25
Annual interest/profit headlineNot established
Shown fee is conditional; relationship or salary waivers may apply.
Opening the account and sending money
Bank approval and current identity documents required.
- Digital account/access option
- Confirm bank channel
- UAE PASS account opening
- Not independently established
- Free international transfers per month
- Not established
Digital access does not by itself confirm UAE PASS account opening. Identity, residency and bank checks apply.
Free-transfer count not established; check bank and correspondent charges.
Important conditions and exclusions
- Prize draws are chance based and excluded from guaranteed value. AED 5,000 monthly average balance required; each additional AED 1,000 creates an extra entry.
- AED 25 monthly standalone fall-below fee if monthly average is under AED 3,000, per the September 2026 VAT-inclusive schedule. Do not add another 5%. Relationship pricing applies otherwise.
- Profit is declared and paid quarterly; no current numeric profit rate is assumed. Additional account can be opened in ADCB app/internet banking or through bank channels.
Rewards from prize draws are excluded from guaranteed value. Unknown fees, exchange spreads and eligibility are not modelled as zero.
Compare salary-transfer bonuses and plan commitment datesOfficial ADCB Islamic sources
Compare all UAE bank accounts 路 How we verify fees and model rewards