Savings Accounts University Student Account


A smart way to manage your money

Get a head start on your financial future with the University Student Account.

500 AED
Daily prize of
every day

Keep in mind

  • You must be 18 or older.
  • You must be a full or part-time university student in the UAE.
  • The prize draws will be conducted during the second week of each month.
  • A minimum average monthly balance of AED 1,500 is required to be eligible for the prize draws.

  • Daily prize of AED 500


  • Available to both Emiratis and Expatriates
  • Earn profit from your savings; this is declared and paid quarterly
  • Enjoy exclusive discounts on shopping, dining, travel and much more
  • International debit card

List of Winners

To view the full list of winners, click here.

Charges and Fees

Minimum balance requirement* AED 1,500

The following charges will be applied to University Student Account, All fees are inclusive of 5% VAT, where applicable.

Product Details Fees
Fall below fees None
Semi annual fees None
Branch Teller Transactions
Fund Transfer within ADCB Free
Fund Transfer outside ADCB Free
Usage fee in UAE at Non-ADCB ATMs (UAE Switch):
Cash withdrawal: 6 Free Transactions per month,
AED 2.10 per additional transaction
Denial: 2.10 AED
Inquiry: 6 Free Transactions per month,
AED 2.10 per additional transaction
Usage fee in Arab Gulf Co-operation Countries (GCC Switch ATMs):
Cash Withdrawal: 2 Free Transactions per month,
AED 6.30 per additional transaction
Inquiry: 2 Free Transactions per month,
AED 3.15 per additional transaction
Usage fee at international ATMs i.e. outside UAE and GCC:
Cash Withdrawal AED 21
Other Charges:
Foreign currency transaction margin**: 2%
Copy of sales slip: AED 26.25

* University Student Account holder will be eligible for a daily prize draw of AED 500 by maintaining a monthly average balance of AED 1,500

**Foreign Currency transaction margin is charged in addition to the wholesale foreign exchange market rate that is selected and applied by card scheme provider on the date of conversion.

Terms and conditions

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

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

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Other ways to apply

Contact centre

Contact centre

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

Apply through SMS

Apply through SMS

SMS 'STUDENT' to 2626 .

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Visit us

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