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
sign up bonus for Emiratis
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
  • Receive an AED 500 sign up bonus (exclusively for Emiratis)


  • 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

The following charges will be applied to University Student Account:

Product Details Fees
Minimum balance requirement* AED 1,500
Fall below fees None
Semi annual fees None
Branch Teller Transactions None
Fund Transfer with same CID Nil
Fund Transfer outside ADCB None

Cash Withdrawal:

Usage fee in UAE at Non-ADCB ATMs (UAE Switch): 6 Free Transactions per month,
AED 2 per additional transaction
Denial: 2 AED
Inquiry: 6 Free Transactions per month,
AED 2 per additional transaction
Usage fee in Arab Gulf Co-operation Countries (GCC Switch ATMs): 2 Free Transactions per month,
AED 6 per additional transaction
Inquiry: 2 Free Transactions per month,
AED 3 per additional transaction
Usage fee at international ATMs i.e. outside UAE and GCC: AED 20

Other Charges:

Processing fee for foreign currency transaction**: 2% + the foreign exchange rate
Copy of sales slip: AED 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

** Excludes processing fee charged by the Association.

Terms and conditions

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

Sign up bonus of AED 500 is exclusive to UAE Nationals only. In case the average monthly balance is not maintained during the first 3 months from the date the account was opened ,then the reward amount of AED 500 will be forfeited.

Amount to be credited (AED 500) will not be applicable towards the required minimum amount to open the account (AED 1,500).

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

In order to deliver the service you need we’d like to know more about you, so please complete this form and a member of our team will contact you personally.
  • We guarantee a response in 24 hours
  • Get in touch during opening hours (8am to 3pm from Sunday to Thursday and 8am to 1pm on Saturday). Alternatively, visit one of our mall branches between 10am to 10pm
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Abu Dhabi Sharjah Dubai Fujairah Ajman Ras al-Khaimah Umm al-Quwain
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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 .

Visit us

Visit us

We will be happy to receive you in any of our branches.

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