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Promotions Millionaire Savings Accounts


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.
  • A monthly maintenance fee will apply if your Millionaire Destiny Savings Account (MDSA) or Emirati Millionaire Savings Account (EMSA) average monthly balance falls below AED 3,000. 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.

4 Multimillionaires, 10 Millionaires

Chance to win AED 2,000,000 and many other cash prizes

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
2 Million AED
Twice a year
1 Million AED
1 winner every month
10,000 AED
10 winners per month

Emirati Millionaire Savings Account

Exclusively for UAE Nationals
2 Million AED
Twice a year
500,000 AED
1 winner every month
10,000 AED
10 winners per month

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

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
    App Store Google Play App Gallery
  • 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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Select your emirate
Abu Dhabi Ajman Dubai Fujairah Umm Al Quwain Ras Al Khaimah Sharjah

You can open an account online through ADCB Personal Internet Banking.

Other ways to apply

Contact centre

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

Apply through SMS

SMS ‘MS’ to 2626.

Visit us

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