Millionaire Savings Accounts


Chance to win AED 1,000,000 and other prizes every month


Only AED 5,000 required to open an account


Available in two variants with one exclusively for Emiratis

Please note that the Millionaire Savings Accounts are based on the Islamic Mudarabah principle and the prizes are paid by the Bank from its own funds.

Millionaire Destiny Savings Account

Offered to everyone
1 Million AED
Monthly Grand Prize
10,000 AED
10 Monthly Prizes
5,000 AED
100 Monthly Prizes

Emirati Millionaire Savings Account

Exclusively for UAE Nationals
1 Million AED
Grand Prize Twice a Year
250,000 AED
Monthly Prize
10,000 AED
Daily Prize

Account Features

With a Millionaire Savings Account, you can enjoy the following features:


Debit card with instant access to your money


Easy online account opening


Earn profit on a quarterly basis

Keep in mind

  • A minimum average balance of AED 5,000 is required to be eligible for the prize draws
  • Each additional AED 1,000 saved gives you an extra chance to win
  • The prize draws will be held during the second week of each month

How to Open Your Account Online

Through ADCB Personal Internet Banking

Existing Customers

  • Log in to ADCB Personal Internet Banking
  • Click on ‘Open an Account Online’ under ‘Accounts’ in the navigation bar, then review and confirm your personal information
  • Select ‘Millionaire Destiny Savings Account’ or ‘Emirati Millionaire Savings Account’ from the drop-down menu

Through the ADCB Hayyak App

New Customers

  • Download the ADCB Hayyak app now!
  • Enter your personal details and the one-time password (OTP) that will be sent to the mobile number provided
  • Select ‘Save and Transact’, ‘Islamic’, then tap on ‘Proceed’ and follow the on-screen instructions
  • Once you reach the account selection screen, select ‘Millionaire Destiny Savings Account’

    If you are a new customer and would like to open an Emirati Millionaire Savings Account, SMS ‘MS’ to 2626.

Enjoy a world-class 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.
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You can open an account online through ADCB Personal Internet Banking.

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 ‘MS’ to 2626.

Visit us

Visit us

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