ADIB Islamic Bank for Expats: Sharia-Compliant Accounts

Why Expats Choose ADIB in 2026

Abu Dhabi Islamic Bank remains one of the most straightforward options for expats who want banking that follows Sharia principles. You can open a current or savings account in minutes via the mobile app without visiting a branch first. Minimum balance on the standard Current Account is AED 3,000, and there is no monthly fee if you keep that balance.

ADIB’s profit rates on savings accounts are declared monthly and paid quarterly. In 2026 the expected rate sits at 2.25 percent on balances above AED 10,000. Profit is calculated daily and credited automatically, so you never need to request it.

Opening an Account as an Expat

You need only your Emirates ID, valid passport, and visa copy. The app performs an instant video verification, and most applicants receive account details the same day. If you already hold a UAE driving licence, you can add it for extra identity proof and skip the video call entirely.

Residents on visit visas cannot open accounts, but those on employment or golden visas are fully eligible. Once approved, you receive a debit card linked to your account within five working days via courier.

Sharia-Compliant Credit Cards

ADIB issues two main credit cards for expats: the Classic and the Infinite. Both operate on a charge-card model where you pay the full balance each month, avoiding interest. Annual fees are AED 300 for Classic and AED 1,200 for Infinite, waived in the first year and on annual spend thresholds.

Cashback is earned as points that convert to retail vouchers or charity donations. Points never expire as long as the card stays active. Late payment charges are fixed at AED 150, regardless of balance, keeping costs predictable.

Home Finance Options

Expats can apply for ADIB’s Ijarah Muntahia Bittamleek home finance up to 80 percent of property value. Minimum salary required is AED 15,000, and the maximum term is 25 years. Early settlement fees are capped at 1 percent of the outstanding amount, one of the lowest in the market.

Profit rates are reviewed quarterly. In early 2026 the benchmark sits at 4.25 percent for salaries above AED 25,000. You can fix the rate for three years at an extra 0.3 percent if you prefer certainty over potential drops.

Digital Tools and Daily Banking

The ADIB app lets you open fixed deposits, pay DEWA and Etisalat bills, and transfer money abroad in one screen. International transfers cost AED 35 plus the receiving bank’s fee, and you see the full amount before confirming.

Customer support is available 24/7 through in-app chat. Response time averages under two minutes during UAE business hours. If you prefer face-to-face help, any ADIB branch can print statements or update your Emirates ID details on the spot.

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Tovi knows current 2026 UAE rules, fees, and processes. Ask anything — visas, banking, housing, schools. Ask Tovi free →