Online Accounts Goal Savings Account

Start your journey towards your goals with the Goal Savings Account and earn up to 4.5% interest per annum

Earn up to 4.5% interest per annum with automated scheduled contributions, designed to help you achieve your dreams, one step at a time.

Scheduled automatic contributions
from your Current or Savings Account
Digital Tracking
track your savings with the ADCB Mobile Banking App
Standard interest 2% per annum
on your total savings
Bonus interest 2.5% per annum
on successful goal achievement

Keep in mind

  • To open an ADCB Goal Savings Account, you should have an existing ADCB Current or Savings Account
  • ADCB Goal Savings Account is offered via ADCB Mobile App
  • A monthly fee will be applicable if the respective segment-wise relationship balance criteria is not met as per Schedule of Fees
  • Additional statement of account outside the normal cycle will be charged as per Schedule of Fees

Interest Rates

2% per annum standard interest rate is applied to the monthly average balance and paid on the first day of the following month.
2.5% per annum bonus interest rate is applied on the end of day balances and paid on the goal achievement date upon meeting the eligibility criteria.
You may not receive any bonus interest* in case of withdrawal or account closure before the goal achievement date.
You are free to withdraw any amounts from your Goal Savings Account. However, in order to maintain your eligibility for bonus interest, please ensure that the maximum value of withdrawals does not exceed a single monthly contribution. E.g. if your monthly contribution is AED 1,000, you can withdraw up to AED 1,000 while still being eligible for the bonus interest, as long as all withdrawals are refunded back to the Goal Savings Account before the goal achievement date.
You can avail the bonus interest in case you miss up to one contribution, as long as it is refunded back to the Goal Savings Account before the goal achievement date. Missing more than one contribution leads to non-eligibility of the bonus interest.
*The bonus interest is the goal achievement interest rate; applied on the total end of day balances for the entire goal achievement period and paid to the customer on the goal achievement date, provided if
  • the customer achieves the goal amount
  • the customer has not missed any systematic fund transfer during the goal achievement period;
  • the goal amount has not decreased during the goal achievement period;
  • there is no debit from the Goal Savings Account, which reduces the goal amount or any amount deposited in the Goal Savings Account through the systematic fund transfer.
  • the Goal Savings Account has not been closed before the goal achievement date; and
  • the total balance on the Goal Savings Accounts (both Conventional and/or Islamic) should not surpass AED 10 million or equivalent in other currencies.

Eligibility Criteria

Available for UAE residents only
Applicants must have attained majority as per the applicable laws
Applicants must have an existing ADCB Current or Savings Account
An ADCB Goal Savings Account cannot be opened as a joint account

ADCB Mobile Banking App


  • Log in to ADCB Mobile Banking App
  • Under ‘Accounts & Deposits’, Click ‘New account’
  • Select ‘Goal savings account’ and follow on-screen instructions
For ADCB Mobile Banking App Tutorials, please click here

Charges and Fees

Please refer to the Schedule of Fees.

Terms and conditions

Terms and Conditions apply.

To view the full Consumer Banking and ADCB Goal Savings Account supplementary Terms and Conditions, click here.