Answers to the most
frequently asked questions.


With EMSA, UAE National customers save with peace of mind and they can access their funds and withdraw any amount as and when needed.

What are the key benefits and features of EMSA?

  • 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 from 1st June 2021

What are the restrictions on EMSA?

  • 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.

Who is eligible for prize draw?

  • 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

How many chances will the customer get once he/she opens an EMSA?

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

Are EMSA prizes fixed forever?

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

When are the prize draws conducted?

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

How can the draws be transparent?

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

I’m holding EMSA for the past few years but why I didn’t win any prize?

We award semiannual 1 grand prize of AED 2,000,000, 1monthly prize of AED 500,000 and 10 prizes of AED 10,000 each every month 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.

What is the minimum amount required to be eligible for the draw?

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

EMSA is an Islamic product, how is it Shari’ah Compliant?

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.

How is the profit calculated on the EMSA?

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.

Does EMSA charge any transaction fees?

Transactional charges are as per the schedule of fees published on

Does EMSA offer an SMS alert service?

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

Can companies hold an EMSA?

No, EMSA is offered only to individual customers.

Is it possible to transfer salary to EMSA?

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.

Can EMSA be opened for minors?

It should be opened by the guardian