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Savings Accounts Emirati Millionaire Savings Account


Exclusively for Emiratis, your chance to win exciting cash prizes or
1 Nissan Patrol car

This unique account gives you the chance to win exciting cash prizes or 1 Nissan Patrol car.

2 million AED
Twice a year
500,000 AED
1 winner every month
10,000 AED
10 winners per month
1 Nissan Patrol car
1 winner
(exclusively this October and November)

Keep in mind

  • An account that is exclusive to Emiratis.
  • To be eligible for the draw, you need a minimum average monthly balance of AED 5,000.
  • 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.
  • The car campaign will start on 1st October 2022 and end on 30th November 2022.
  • The car campaign draw will be conducted in December 2022.
List of prizes

  • Grand prize of AED 2,000,000 every six months 
  • 1 prize of AED 500,000 every month 
  • 10 prizes of AED 10,000 each every month
  • 1 Nissan Patrol car for 1 winner exclusively this October & November

Key Features and Benefits

  • Debit Card with instant access to your money
  • Earn profit from your savings; this is declared and paid quarterly
  • For every extra AED 1,000 you save over the initial AED 5,000, you get an extra chance in the prize draws.
  • You can also open an account for your children*

*Account must be opened and maintained by the guardian.

List of Winners

To view the full list of winners, click here.


Earn TouchPoints with an average monthly balance of AED 10,000 or more.

T&Cs apply. For further details please click here.

How to redeem your ADCB TouchPoints , kindly click here.


Open an Emirati Millionaire Savings Account today and you could be the next millionaire. Earn 25,000 TouchPoints when you open an account with AED 10,000 or more through ADCB Personal Internet Banking. To view the terms and conditions, please click here.

Charges and Fees

To view the fees and charges, please click here.

Terms and conditions

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


Click here to view the frequently asked questions.

Apply Now

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 Dubai Fujairah Ajman Ras Al Khaimah Sharjah Umm al Quwain

Other ways to apply

Contact centre

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

Apply through SMS

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

Visit us

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