Accounts The Elite Account

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Enjoy the best of both worlds: earn profit and manage liquidity

Combining the convenience of a current account with profits of a savings account, The Elite Account offers you a comprehensive view of your finances.

Competitive expected profit rates
Profit is calculated monthly on the minimum balance and is paid quarterly
Fee for e-statement
Within the statement cycle
Fee for cheques
For AED accounts only
Enjoy the best of both worlds
Competitive expected profit rates and a cheque book facility
5,000 AED
Minimum Monthly Salary
For residents employed in UAE

Keep in mind

  • A monthly fee will be applicable if the respective relationship balance criteria is not met.
  • Free cheque book (AED account only) and free e-statements (within the statement cycle).
  • An additional statement of account outside the normal cycle will be charged as per the Schedule of Fees.
  • Debit card usage at non-ADCB ATMs will incur a charge based on the customer's relationship type, as detailed in the Schedule of Fees.

Features and benefits

Transfer your salary, move money, make payments, order a cheque book or pick up a new debit card with ease
The profit is calculated based on the minimum monthly balance in the account
Enjoy the benefits and features of current and savings accounts, with profit rates and full control over your finances, including access to a cheque book
Earn competitive expected profits on your balances
Available in AED, USD, GBP and EUR currencies
Access to ADCB Personal Internet Banking and the ADCB Mobile Banking App

Eligibility criteria

Available for UAE residents
Must have attained majority as per the applicable laws
To open an Elite Account, you must provide a salary/income proof, with a minimum salary of AED5,000

Profit distribution ratio

Profit distribution ratio between the Bank (as Mudarib) and depositors/account holders (as Rab Al Maal) shall be as follow
85% :Mudarib
15% :Rabb Al Maal
To know more, please visit adcbislamic.com/weightages.

How to open your account online?


  • Log in to ADCB Mobile Banking App
  • Click on ‘New account’ under ‘Accounts & Deposits’ that is located on the main Mobile Banking App screen.
  • Click on ‘Current/Savings account’ and confirm
  • Select your preferred The Elite Account and Apply
  • For ADCB Mobile Banking App Tutorials, please click here.

Charges and Fees

Please refer to the Schedule of Fees.

Expected Profit Rates

To view the Savings Account’s profit rate, please click here.

Terms and Conditions

Terms and Conditions apply.

To view the full Islamic Banking Consumer Terms and Conditions and The Elite Account supplementary Terms and Conditions, click here.

Shari’ah Certificates (Fatwa)

To view Shari’ah Certificates. Please click here.

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Other ways to apply

Apply by SMS

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