Abu Dhabi Islamic Bank Personal Accounts

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It is time for your savings to grow even higher with ADIB Time Deposit, a Mudaraba*-based account where you can invest your funds for fixed periods of time in order to get higher returns. With ADIB Time Deposit, you receive a greater expected profit rate compared to regular savings accounts.

Flexible investment periods of one, three, six, twelve, and thirteen months
Free ADIB debit card for your current or saving account if you invest for more than one year
Minimum investment of IQD 120 Million (USD 100,000)

Make the most of your savings and time. Please contact us or visit our website to open your ADIB Time Deposit account today.

Open your ADIB Time Deposit

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*MUDARABA - A contract between the Group and a customer, whereby one party provides the funds (Rab Al Mal) and the other party (the Mudarib) invests the funds in a project or a particular activity and any generated profits are distributed between the parties according to the profit shares that were pre-agreed upon in the contract. The Mudarib is responsible for all losses caused by his misconduct, negligence or violation of the terms and conditions of the Mudaraba; otherwise, losses are borne by Rab Al Mal.

Profit Rates paid for February 2017

Tiers	Tiers 000's

Click here for the Banking Services Agreement

Click here for the Schedule of Charges

Time Account

Open your​ ADIB Time Deposit​

Open your ADIB Time Deposit