Savings Accounts Millionaire Destiny Savings Account


Our unique account gives you the chance to win exciting cash prizes, including AED 1 million every month

1 Million AED
Grand prize
Every month.
10,000 AED
Each for 10 winners
Every month
5,000 AED
Each for 100 winners
Every month

Keep in mind

  • A minimum average monthly balance of AED 5,000 is required to be eligible for the prize draws.
  • The prize draws will be held during the second week of each month.
  • Please note that a new prize structure will be introduced and effective on 1st June 2021.
List of prizes (until 31st May 2021)

  • Grand prize of AED 1 million every month
  • 10 prizes of AED 10,000 each, every month
  • 100 prizes of AED 5,000 each, every month

List of prizes (from 1st June 2021)

  • Grand prize of AED 2,000,000 every six months (March and September)
  • 1 prize of AED 1,000,000 every month (excluding March and September)
  • 10 prizes of AED 10,000 each every month

Key Features and Benefits

  • Debit Card with instant access to your money
  • No lock-in period and no penalty for withdrawals
  • Earn profit from your savings; this is declared and paid quarterly
  • Every additional AED 1,000 saved over the initial AED 5,000 grants you an extra chance in the prize draws

Limited Offer

Earn 10,000 TouchPoints by opening a Millionaire Destiny Savings Account online with AED 20,000 or more. Details at

List of winners

To view the list of winners, 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.

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Other ways to apply

Contact centre

Contact centre

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

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

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