Emirates Islamic Current Account: Fees and Eligibility
Salary-based balance waiver; cash campaign separate
Primary sources reviewed on 2026-10-22. A source review is a dated snapshot; confirm the current quote before opening.
Check Emirates Islamic鈥檚 official account termsSalary, balance and account fees
Published minimum salaryAED 5,000
Balance to avoid feeAED 3,000
Monthly fall-below feeAED 26.25
Annual interest/profit headline0% p.a.
AED 26.25/month for non-maintenance under Select; salary-transfer and finance waivers apply.
Opening the account and sending money
UAE resident identity and bank approval requirements apply.
- Digital account/access option
- Published digital option
- UAE PASS account opening
- Not independently established
- Free international transfers per month
- Not established
Online/mobile banking is available; UAE PASS account opening not independently confirmed.
Free-transfer count not established; exchange rates and intermediary fees may apply.
Important conditions and exclusions
- Personal Banking Select minimum salary AED 5,000 or monthly average relationship balance AED 3,000.
- AED 26.25 fall-below fee is VAT-inclusive; qualifying salary transfer and other specified waivers apply.
- A separate October 2026鈥揗arch 2027 salary campaign has national/expat tiers and enrollment rules. Use the tracker rather than treating it as guaranteed cash.
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 Emirates Islamic sources
Compare all UAE bank accounts 路 How we verify fees and model rewards