Abu Dhabi Islamic Bank (ADIB) ADIB Ghina Savings Account
Islamic Bank Accounts in Dubai
ADIB's prize-linked savings flagship. New Ghina Savings Accounts earn a published expected profit rate of 5.25% per annum (5.55% on the Ghina Salary Account variant with salary transfer), with profit calculated monthly and credited monthly (quarterly distribution until 1 August 2026). The draw program for 2026 totals AED 3 million in grand prizes plus additional cash prizes for 540 winners: a quarterly grand draw of AED 1 million (one winner), and monthly draws of 10 x AED 10,000, 10 x AED 5,000 and 25 x AED 2,000. Includes automatic enrollment in Shariah-compliant Takaful protection at no cost, a free ADIB Visa debit card, and standing instructions. Open to UAE nationals, residents and non-residents (passport required; Emirates ID for nationals and residents).
Ghina is the standout deposit offer in this cluster: 5.25% expected on a savings account, 5.55% with salary transfer, plus a quarterly million-dirham draw and free Takaful, at a bank that names its Mudaraba structure. Compare Emirates Islamic's Kunooz at 0.10% plus draws, or DIB's unpublished savings rates, and the gap is startling - though remember Ghina's number is a promotional expected rate under campaign terms while DIB's 4.40% Long-Term Wakala is a 5-year committed-tenor product; they solve different problems. For liquid savings the honest advice is simple: if you bank Islamically in the UAE and hold AED 5,000+ in cash, Ghina is currently the strongest published offer, but re-verify the rate at opening because campaign terms move.
Pros
- Highest published expected savings rate among the three largest UAE Islamic banks at the 2026-08-05 crawl
- Real profit rate plus draws; most prize accounts sacrifice one for the other (Emirates Islamic's Kunooz pays 0.10%)
- Free Takaful cover with published policy documents
- Draws and winners published, verifiable externally
Cons
- Headline rates are campaign rates for new accounts, subject to terms and revision
- Salary variant's 5.55% requires maintaining the salary transfer
- Profit distribution mechanics in transition until 1 August 2026 per the page note
- Draw odds scale with balances, favoring large depositors
Open Account
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Product Details
Account Type
Prize-linked savings account
Monthly Fee
AED 0 disclosed on page
Min Deposit
Not stated on page
Structure
Mudaraba-based expected profit, monthly calculation; prize draws quarterly (AED 1M) and monthly (45 winners) funded by the bank
Abu Dhabi Islamic Bank (ADIB) in Dubai
Abu Dhabi Islamic Bank (ADIB)'s Prize-linked savings account serves customers in Dubai. Islamic savings accounts in the UAE pay declared Mudarabah profit rather than interest, with rates announced from actual pool results and profit conditions on balance and withdrawals. A monthly fee of AED 0 disclosed on page applies. The provider is licensed and supervised by the Central Bank of the UAE; note that the UAE has no standing retail deposit insurance scheme. Abu Dhabi Islamic Bank (ADIB) operates across the UAE, so Dubai residents have full access to this product.
Shariah Compliance & Oversight
ADIB's Internal Shari'a Supervisory Committee, published at adib.ae/en/about/internal-sharia-supervisory-committee (verified 2026-08-05): Prof. Dr. Mohammad Abdulrahim Sultan Al Olama (Chairman), Prof. Dr. Jasim Al Shamisi (Vice Chairman), Prof. Dr. Ashraf Hashim (Member), Dr. Ali Hussain Al Junaidi (Member) and Dr. Yasir Hassan Alhosani (Member). An Executive Committee of the ISSC comprises Al Olama (Chairman), Al Shamisi and Hashim. The committee's 2025 Annual Shariah Report is published on adib.ae and is also signed by Esam Mohammed Ishaaq as a committee member.
2026-08-05
Why It's Halal
Ghina sits on ADIB's Mudaraba savings chassis (ADIB's savings pages state the Mudaraba principle and publish a profit distribution method), with the prize pool funded by the bank as a promotional cost rather than from depositors' capital, the accepted structure for Islamic prize-linked savings in the Gulf; draws sit alongside, not instead of, a published expected profit rate, distinguishing Ghina from prize accounts that pay nothing. The free Takaful protection is Islamic cooperative insurance with published policy documents for natural and accidental death. Published draw schedules and winners lists provide verifiability. Overseen by ADIB's five-scholar ISSC. Caveats: 5.25%/5.55% are promotional expected rates for new accounts under campaign terms and conditions, not perpetual pool rates, and the page notes the quarterly distribution mechanics run until 1 August 2026.
Regional Availability
Abu Dhabi Islamic Bank (ADIB) serves all of the UAE
✓ Available nationwide including Dubai
Open Account: Abu Dhabi Islamic Bank (ADIB)
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NationwideFrequently Asked Questions
What is Abu Dhabi Islamic Bank (ADIB) ADIB Ghina Savings Account?
Why is Abu Dhabi Islamic Bank (ADIB) ADIB Ghina Savings Account considered halal?
Is Abu Dhabi Islamic Bank (ADIB) ADIB Ghina Savings Account available in Dubai?
What Shariah oversight does Abu Dhabi Islamic Bank (ADIB) have?
What financing structure does Abu Dhabi Islamic Bank (ADIB) ADIB Ghina Savings Account use?
How do I apply for Abu Dhabi Islamic Bank (ADIB) ADIB Ghina Savings Account in Dubai?
Which Islamic banks are headquartered in Dubai?
What is special about the DIFC for halal finance?
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Important: HalalWallet provides educational information and comparisons to help you explore halal financial options. We do not provide financial, legal, or religious advice. Product structures and Shariah compliance oversight vary by provider. Always verify halal compliance directly with providers and consult with qualified Islamic finance advisors or scholars for guidance on specific products and your individual circumstances.