Online Accounts ADCB Gold & Silver Accounts

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Buy and sell Gold & Silver with your Gold & Silver Accounts from ADCB

You can now buy and sell both Gold (XAU) and Silver (XAG) currencies by opening an account instantly with the ADCB Personal Internet Banking or Mobile Banking App.

Instant account opening
through the ADCB Personal Internet Banking or Mobile Banking App
Buy & Sell Gold & Silver online in seconds
Account Opening with minimum 0.1 troy ounce of Gold or 1 troy ounce of Silver
Currency conversion
24/7 Currency Conversion to AED and other currencies

Keep in mind

  • 1 XAU is 1 troy ounce of Gold and equivalent to 31.104 grams of Gold.
  • 1 XAG is 1 troy ounce of Silver and equivalent to 31.104 grams of Silver.
  • To open a Gold or Silver account, you should first have an ADCB Current or Savings Account.
  • ADCB Gold and Silver accounts are non-interest-bearing accounts.
  • Gold or Silver Market Price Fluctuation Risk: The value of XAU and XAG is subject to price fluctuations based on global market conditions, including supply and demand and currency exchange rates.
  • Gold or Silver Price Updates and Margin Application: XAU and XAG prices will be updated every hour, or earlier, within ADCB working hours, based on the latest market data. All transactions, including deposits and conversions, will be processed at the most recent price available. The bank applies a margin to the published rates, which may vary during and outside of business hours. The margin is determined at the bank’s discretion and may change based on market conditions without prior notice.
  • Up to date prices of Gold and Silver are freely available at adcb.com.
  • 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.
  • The applicable exchange rates are displayed for clients’ review prior to confirming and executing the transfers on the digital channels.

Eligibility Criteria

Available only for UAE residents
Gold and Silver accounts cannot be opened as a joint account
To open a Gold (XAU) and Silver (XAG) Account, customer must have attained majority as per the applicable laws

ADCB Mobile Banking App


  • Log in to ADCB Mobile Banking App
  • Under Accounts, Click Open Now
  • Choose Gold Account or Silver Account as per your preference
  • Follow on-screen instructions to open your Gold or Silver Account
For ADCB Mobile Banking App Tutorials, please click here

Terms and conditions

Terms and Conditions apply.

To view the full Consumer Banking and ADCB Gold & Silver Accounts supplementary Terms and Conditions, click here.

Charges and Fees

Please refer to the Schedule of Fees.

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Other ways to apply

Apply through SMS

SMS 'GOLD' or 'SILVER' to 2626 from your registered mobile number.