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Savings Accounts Millionaire Destiny Savings Account


Our unique account gives you the chance to win exciting cash prizes or
1 Nissan Patrol car

This unique account gives you the chance to win exciting cash prizes or 1 Nissan Patrol car.
2 million AED
Twice a year
1 million AED
1 winner every month
10,000 AED
10 winners per month
1 Nissan Patrol car
1 winner
(exclusively this October and November)

Keep in mind

  • A minimum average monthly balance of AED 5,000 is required to be eligible for the prize draws.
  • A monthly maintenance fee will apply. This is if your average monthly balance falls below AED 3,000. This applies to Millionaire Destiny Savings Accounts (MDSA) and Emirati Millionaire Savings Accounts (EMSA). AED 25 fee will be charged to only those customers having either MDSA or EMSA or both products.
  • If a customer is holding another product along with MDSA & EMSA, normal Relationship Based Pricing (RBP) will be applicable as per the customer segment.
  • The car campaign will start on 1st October 2022 and end on 30th November 2022.
  • The car campaign draw will be conducted in December 2022.
List of prizes

  • Grand prize of AED 2,000,000 every six months 
  • 1 prize of AED 1,000,000 every month 
  • 10 prizes of AED 10,000 each every month
  • 1 Nissan Patrol car for 1 winner exclusively this October & November

Key Features and Benefits

  • Debit Card with instant access to your money
  • No lock-in period and no penalty for withdrawals
  • Earn profit from your savings; this is declared and paid quarterly
  • Every additional AED 1,000 saved over the initial AED 5,000 grants you an extra chance in the prize draws

List of winners

To view the list of winners, click here.


Open a Millionaire Destiny Savings Account today, and you could be the next millionaire. Earn 10,000 TouchPoints when you open an account with AED 20,000 or more through ADCB Personal Internet Banking. To view the terms and conditions, please click here.

Charges and Fees

To view the fees and charges, please click here.

Terms and conditions

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


Click here to view the frequently asked questions.

Enjoy a world-class customer experience when you bank with us.

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Other ways to apply

Contact centre

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

Apply through SMS

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

Visit us

We will be happy to welcome you to any of our branches. Find the closest branch to you. Find the closest branch to you