• Market -leading interest rates, depending on the duration and currency of the deposit.
• Flexible terms - 7 days to 5 years
• An overdraft facility-access to funds in times of need
• Scheduled withdrawals when you need them.

• A higher profit rate is expected for ADIB Recurring Investment Account holders (compared to a regular Savings Account). 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. You can choose to invest with us and claim profits every one, three, six, nine or twelve months. You can avail of any ADIB financing option equivalent to the amount you have invested with us. A complementary ADIB Visa Cashback Card (read more) is also offered to ADIB Investment Account holders.

• 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.
• Please note that you need to maintain a minimum daily balance of AED 10,000 to be eligible to earn profit.
• Foreign currency remittances in USD and GBP.
• No additional charge for AED 0.00 balance
• 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.

• Attractive profit
• Flexible tenures
• Low minimum deposit
• Banking online or on the go

• Flexible tenures from one week to 12 months
• Attractive interest rates
• Minimum deposit, AED 5000 or USD 1500 (or an equivalent amount in any other currency)
• Available in all major currencies
• Joint ownership allowed

• Flexible tenures from one week to 12 months
• Attractive interest rates
• Minimum deposit, AED 5000 or USD 1500 (or an equivalent amount in any other currency)
• Available in all major currencies
• Joint ownership allowed

• AED 100 fee for premature withdrawal or early breakage

• Open to UAE nationals, expatriates and non-residents
• Available in UAE Dirhams, US Dollars, British Pounds and other currencies
• Minimum deposit of AED 5,000 or its equivalent in respective currencies
• Flexible tenures in months: 1, 2, 3, 6, 9, 12, 13 and days: 50, 75, 100, 150, 200, 375, 400, 500
• Enjoy an attractive interest rate on ADCB Online Century Deposits
• Overdraft facility of up to 90% of fixed deposit to meet any immediate needs
• Simple documentation
• Interest payment on premature withdrawal of fixed deposits will be charged at 1% p.a. less than the interest rate that is applicable for the actual tenor and will be payable for the actual number of days the fixed deposit was maintained, unless provided otherwise in any applicable supplemental terms and conditions of a specific fixed deposit product.

There are three products offered under Fixed deposits

ADCB Online Century Deposits: Earn attractive interest rates of up to 4.20% per annum on Fixed Deposits for a tenure of 400 days.
Onsbore IB Century Fixed Deposits: Earn attractive interest rates of up to 4.10% per annum on Fixed Deposits for a tenure of 400 days
Advantage Fixed Deposits: Earn attractive interest rates of 4.10% per annum on Advantage Fixed Deposits* for a tenor of 13 months

Interest rates varies for the above products.

TouchPoints will be awarded if your deposit amount is AED 100,000 or more. The number of TouchPoints earned will vary according to the tenure of the deposit

Earn upto 300 touch points for a deposit  with a tenor of 12 months and above.

TouchPoints are not awarded for Advantage Fixed Deposit.

For all Fixed Term Deposit products except traditional term deposits (AED & other foreign currencies), calculation of the interest is done using the 'Actual/Actual' convention (explained below), which assumes the year basis to be 365 days for non-leap year(s) and 366 days for leap year(s).

Depending on day on which the deposit is booked ('Fixed Term Deposit Start Date') and period for which the deposit is booked ('Term'), the total number of days for which the Fixed Term Deposit is maintained with ADCB ('Deposit Period'), may span across non leap year(s) or leap year(s).

If the Deposit Period contains leap day(s) (i.e. 29th of February), then:
a. The number of days which fall in the leap year are divided by 366 and this ratio is then multiplied with the contracted interest rate and Fixed Term Deposit principal, to calculate the interest for that period.
b. The remaining days, which fall in the non-leap year are divided by 365 and this ratio is then multiplied by the contracted interest rate and Fixed Term Deposit principal to calculate the interest for the remaining period.
c. The sum total of both these calculated interest amounts obtained at 3(a) +3(b) above, is the total interest paid on the Fixed Term Deposit.

• Best in market interest rates
• Available in multiple currencies -AED, BHD, USD, GBP & EUR
• Flexibility of term – 1, 2, 3, 6, 9 and 12 months
• These deposits are available for Corporates starting from a minimum of AED 1 Million or equivalent in USD and AED 250,000 or equivalent in USD

Below are the deposit rates as of 1st May 2023

AED Deposit rates per annum

For AED 3 Million deposit value, 4.67% for corporate or individual customers
For AED 6 Million deposit value, 4.81% for corporate or individual customers
For AED 12 Million deposit value, 4.80% for corporate or individual customers

AED Deposit rates per annum

For USD 3 Million deposit value, 4.83% for corporate or individual customers
For USD 6 Million deposit value, 4.89% for corporate or individual customers
For USD 12 Million deposit value, 4.80% for corporate or individual customers

Corporate: Deposit value starting at AED1Million (eqv for USD)
Individual: Deposit value starting at AED250,000 (eqv for USD)

Above rates are as of 1st May 2023. These are subject to change and customers are requested to always refer to the bank for the final rates while opening the deposits. Soulwallet provides the rates as of a specific date on a best effort basis and these should always be verified with the bank prior to opening accounts.