• Exclusively for UAE Nationals
• Available only in AED
• Low average balance requirement of AED 5,000
• Transactional account accessible through all digital channels (Debit Card, Internet & Mobile Banking, SMS Banking, Phone Banking and e-Statements)
• ADCB Touch Points earned on account balances Quarterly profit payments
• The following prizes are effective until 31st May 2021

• The following prizes are effective from 1st June 2021

• In order to hold an Emirati Millionaire Savings Account you must be a UAE National.
• ADCB and its subsidiaries’ employees and their immediate family members (parents, spouses, siblings and children) are not eligible to open EMSA.

• All family members, working people, retirees and minors can open EMSA and eligible for prizes if they maintain a monthly average balance of AED 5000 or above.
• Average monthly balance is calculated by adding daily balances in EMSA and dividing by the number of days in the month

For the first AED 5000, customer will get 1 chance and for every extra AED 1000 he/she saves over the initial AED 5000, he/she gets an extra chance in the prize draws.
E.g. if a customer has AED 10,000 average monthly balance, he/she will get 6 chances to win prizes

ADCB Islamic Banking may from time to time and at its sole discretion offer different types of prizes.

The prize draws are held during the second week of each month.

ADCB believes in absolute transparency. The prize draws are conducted in the presence of Abu Dhabi Department of Economic Development and Auditors.

We award semiannual 1 grand prize of AED 1,000,000, 1monthly prize of AED 250,000 and every working day prize of AED 10,000 to EMSA customers. Since this is a prize draw based product, not every customer wins. However, please continue to apply for EMSA and try your luck as you could be the next lucky winner.

To be eligible for the draw, you need to have a minimum average monthly balance of AED 5,000

The EMSA is a Shari'ah approved Mudaraba-based savings account that offers all the standard features of an Islamic savings account, but with the addition of monthly prizes. All prizes are paid out of ADCB Islamic Banking's own funds, and not from the Mudaraba or customers' accounts.

Profit is calculated on the minimum average monthly balance in the account in accordance with the Shari’ah approved profit distribution mechanism and paid on a quarterly basis.

Transactional charges are as per the schedule of fees published on www.adcbislamic.com

Yes, free SMS alerts are sent to the account holders.

No, the EMSA is offered only in AED.

No, EMSA is offered only to individual customers.

As the main purpose of EMSA is to encourage saving habits and win prizes, salary transfers are not permitted. However customers can open regular savings or current accounts for salary transfers.

It should be opened by the guardian