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Savings Accounts Active Saver Account


Achieve your ambitions faster

Whether you’re saving for a wedding, school fees, a vacation or your dream house, the ADCB Islamic Banking Active Saver Account earns you more on your savings, so you achieve your ambitions faster.

Profit distribution
1.15% up to
Highest expected profit (per annum)

Keep in mind

  • A monthly fee will be applicable if the respective segment-wise relationship balance criteria is not met (as per Schedule of Fees).
  • Additional statement of account outside the normal cycle will be charged as per Schedule of Fees.
  • Expected Profit Rates is calculated daily on the daily closing account balance and paid monthly based on the balance tier and the corresponding profit rate.
Key Features and Benefits

  • Instant- You can open your Active Saver Account in just a few minutes through ADCB Personal Internet Banking.
  • Expected profit rate is calculated daily and with tiered profit rates, you earn more on your savings
  • Rewarding - Profit is calculated and distributed in a Sharia compliant manner. . Due to higher weightages assigned to the Islamic Active Saver Accounts, the more you save the more you earn.
  • Easy – Pay bills, transfer funds and redeem TouchPoints
  • Flexible - Online access anywhere, anytime means you can manage your savings outside work hours
  • Active - Transferring money into the Active saver account is just a click away

Expected profit rates

Daily Account Balance Expected Profit Rates per annum
(valid till 28th February’22)
Expected Profit Rates per annum
(Valid until 1st March'22)
Current Expected Profit Rate p.a.
(Valid until 31st July'22)
Revised Expected Profit Rate p.a.
(effective 1stAugust'22)
Less than AED 200,000 0.25% 0.25% 0.40% 0.40%
AED 200,000 to less than AED 2 Million 0.40% 0.40% 0.50% 0.60%
AED 2 Million up to AED 10 Million 0.60% 0.60% 0.70% 0.80%
Above AED 10 Million up to AED 20 Million 0.80% 1.00% 1.00% 1.15%
Above AED 20 Million 0.20% 0.20% 0.20% 0.20%

Daily Account Balance Expected profit Rate per annum
(valid until 31 December’21)
Less than AED 10,000 0.01%
AED 10,000 and less than AED 500,000 0.25%
AED 500,000 and less than AED 2,000,000 0.40%
AED 2,000,000 to up to AED 10,000,000 0.60%
Above AED 10,000,000 0.20%

Eligibility criteria

  • UAE nationals and residents with valid visa only 
  • Must be 21 years old or above
  • To open an ADCB Islamic Banking Active Saver Account you should first have an ADCB Current or Savings Account
  • An ADCB Islamic Banking Active Saver Account cannot be opened as a joint account or for a minor

Get started

Opening an ADCB Islamic Banking Active Saver Account is quick and easy!

  • Log in to ADCB Personal Internet Banking
  • Click on 'Open New Account' on the left navigation bar
  • Select 'Islamic Active Saver' from the drop box
  • Complete the Online Islamic Active Saver application form. This will generate your account number online
  • What’s more, you can also set up a Standing Instruction on your Account instantly.


Earn 10,000 TouchPoints when you open Islamic Active Saver account with AED 20,000 or more through ADCB Personal Internet Banking. To view the terms and conditions, please click here.

Charges and fees

Please refer to the Schedule of Fees.

Terms and conditions

Terms and conditions apply. To view the full ADCB Islamic Banking terms and conditions, please click here.


Please refer to the FAQs for more information.

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Contact centre

Call our 24-hour contact centre on 600 56 2626.

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SMS 'IACT' to 2626 from your registered mobile number.