Online Saver Account


You’re a citizen of the digital world. Your tablet is your lifeline, keeping you in touch, up to date – and in control of your finances

With Online Saver Account, you can open, access and make transactions on your account from wherever you are in the world, 24 hours a day. No more queues. Excellent interest rates. And the higher your balance, the more interest you’ll earn.

This account is available in AED currency only.

Main Features

  • A bank account with a minimum opening deposit of just AED 3,000.
  • No minimum balance requirements.
  • Guaranteed capital and interest.
  • Interest payout monthly.
  • Discounts at selected outlets through your card.
  • No transaction fees.
  • Personalised debit card for complete financial freedom.
  • Free online and mobile banking.
  • Free SMS notifications & e-statements, so you can track all your transactions.
  • 24/7 access to our Call Centre.
  • Easy access to your account through internet banking anywhere in the world, at ATMs with your debit card, and at any branch.

Interest Rates

Here’s an indication of the interest you can earn with an Online Saver, depending on your monthly minimum balance:

Monthly minimum balance Interest rate* (per annum)
AED 1 - < AED 3,000 0.00%
AED 3,000 - < AED 10,000 0.00%
AED 10,000 - < AED 100,000 1.70%
AED 100,000 - < AED 500,000 1.70%
AED 500,000 - < AED 1,000,000 1.80%
AED 1,000,000 - < AED 2,000,000 1.80%
>=2,000,000 2.00%

*Rates are subject to change.

Fees and tariffs

Account opening fees Nil
Closing fees AED 105, if closed within a year. No charges apply after one year
Initial deposit amount AED 3,000
Balance requirement Nil
Minimum balance maintenance charges Nil
Semi-annual charges: Nil
Annual charges: Nil
VAT Fees & Charges are in line with UAE central Bank policies and inclusive of VAT (Value Added Tax)


Applicants must be:

  • Able to make an opening deposit of AED 3,000 or more.
  • An individual.
  • A UAE resident.

Terms & Conditions

Terms & conditions apply.

The bank reserves the right to change the interest rates, fees & tariffs, charges and terms & conditions at its own discretion, without any prior notice.

Online Saver Terms & Conditions

To know more

Contact centre

Contact centre

Call our 24-hour contact centre on 600 50 2030.



To learn more about ADCB products & services

Visit us

Visit us

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

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