smartbanking

Open your smartaccount today

Your account comes hassle-free!

  • No minimum balance
  • Free Debit card
  • Free home delivery
  • Earn profits on whatever you save
  • Earn smartbonus for referring a friend
  • Debit card design to match your personality
smartaccount can be opened by salaried individuals (AED 5,000+) or Students (18-24 years) *Terms and conditions apply

Open your smartaccount today

for a chance to Win a Mini Cooper!

  • Every AED 1000 average monthly closing balance
  • Transfer your salary to your smartaccount and get multiple entries
Learn More
*Terms and conditions apply

Transfer your salary today

to be eligible for expressfinance

  • Pre-qualify for up to AED 3 million of Personal Finance*
  • Customize amount and repayment to suit your needs
  • Simple application and financing at your fingertips
  • Control when you redeem your allocated Sukuks with National Bonds
  • Get upto AED 100,000 in as less as 2 hours!
  • Fast and paperless
*Terms and conditions apply

It's time to #Bemoneysmart and win

Transfer your salary or every AED 1000 average monthly closing balance of your smartaccount gets you a chance to win a MINI Cooper. The more you use your account, the more chances you have of winning.

Mini Cooper
Get a chance to win a Mini Cooper

AED 300 Visa Gifts Cards
10 winners

Here is how it works:

Transfer your salary to your smartaccount and get multiple entries to the draw as follows:

Salary credited in your smartaccount Number of entries in the draw per salary credited
AED 4,000 - AED 9,999 2
AED 10,000 - AED 19,999 5
AED 20,000 or more 10

That’s not all, you can also increase your smart account balance and every AED 1,000 of your monthly balance gets you an entry into the draw!


Terms and conditions

  1. General Terms and Conditions
    1. ADIB at its sole discretion provides opportunities to win prizes (as set out below). ADIB reserves the right to amend, vary or cancel any prize in relation to this Smart Account. These prizes are not an integral part of the Smart Account or Smart Banking, and awarding such prizes shall not be construed as an obligation on ADIB.
    2. Only the eligible Smart Account Holders at the coupon calculation date set by ADIB are entitled to participate in the draws to be conducted by ADIB.
    3. The Draw is valid for only ADIB Smart Account Holders with Active Account Status as per ADIB systems. The Draw is valid for only ADIB Smart Accounts opened via ADIB Smart Banking Program which are governed by the ADIB Smart Account T&Cs and ADIB Banking Services Agreement as may be amended, varied, replaced or superseded from time to time.
    4. If the Account Holder closes his/her Smart Account at any time before the draw date, the Account Holder will lose his/her eligibility to enter the draw and the opportunity to win the prize.
  2. Campaign Draw Periods in 2019 are
      1. 01 Jan – 30 April
      2. 01 May – 31 August
      3. 01 September – 31 December
      4. Offer is valid for a limited period only and may be revoked at the Bank’s sole and absolute discretion
    1. The prize winners will be contacted by ADIB at the address/contact details provided in ADIB’s records.
    2. The results of the prize draw will be announced on www.moneysmart.ae
    3. ADIB may also announce the results of the prize draw through any other means of communication at its sole discretion.
    4. The Draw shall be conducted within 60 days after each Campaign Draw Periods
    5. The winner must collect the prize within 60 days from the date of the winners being announced by ADIB as stated above. Failure of the winner to receive his/her prize within such period he/she will lose his right in the prize.
    6. The value of Forfeited/Unclaimed prizes will be transferred to the DED (Department of Economic Development) within 60 days of forfeiture/non-claim
  3. Prize Draw Mechanism
    1. The winners will be determined randomly by an automated prize draw system in the presence of a representative from the Ministry of Economy of the Emirate where the draw takes place, or as required by the rules and regulations of the said Emirate.
  4. Prize Raffle Coupons
    1. Salary Transfer (coupons assigned for only 1 salary transfer per month (highest amount) in case there is more than 1 salary transfer for that month).
      1. AED 4,000 - AED 9,999 to smart account = 2 coupons assigned into the draw per month per salary transfer.
      2. AED 10,000 - AED 19,999 to smart account = 5 coupons assigned into the draw per month per salary transfer
      3. AED 20,000 + to smart account = 10 coupons assigned into the draw per month per salary transfer
    2. Smart Account average monthly closing balance (multiples of AED 1000) = 1 coupon assigned into the draw per month per AED 1000 multiple (average monthly closing balance).
    3. All raffle coupons earned by the eligible Smart Account Holder shall be accumulated for each month of the campaign period and entered into the raffle draw. The coupons will be carried over (accumulated) regardless of the salary credit or the average balance change in the subsequent month/s
    4. Eligible Smart Account Holder must have at least 10 raffle coupons to enter and participate in the Car draw and 3 raffle coupons to enter and participate in the Visa Gift Card draw.
    5. The raffle coupons earned during each Campaign Draw Period will expire immediately upon their participation in the draw.
  5. Prizes
    1. Subject to the applicable Terms and Conditions, all prizes granted to eligible Smart Account Holders shall be exclusively from ADIB shareholders funds at the sole discretion of ADIB.
    2. The prizes are non-transferrable, non-changeable and cannot be given to any person other than the account holder winner.
    3. ADIB’s decision and records regarding prizes will be final and legally binding.
    4. Types of Prizes per Campaign Draw
      1. 1 Car: Mini Cooper Coupe hatch
      2. 10 Visa Pre-loaded Gift Cards: Each worth AED 300 and usable in accordance with the T&Cs of the Visa Gift Cards.

The Terms and Conditions for Salary Transfer Abu Dhabi F1 Tickets Promotion:

  1. General Terms and Conditions
    1. ADIB at its sole discretion provides opportunities to win prizes (as set out below). ADIB reserves the right to amend, vary or cancel any prize in relation to this Smart Account. These prizes are not an integral part of the Smart Account or Smart Banking, and awarding such prizes shall not be construed as an obligation on ADIB.
    2. Only the eligible Smart Account Holders at the coupon calculation date set by ADIB are entitled to participate in the draws to be conducted by ADIB.
    3. The Draw is valid for only ADIB Smart Account Holders with Active Account Status as per ADIB systems. The Draw is valid for only ADIB Smart Accounts opened via ADIB Smart Banking Program which are governed by the ADIB Smart Account T&Cs and ADIB Banking Services Agreement.
    4. If the Account Holder closes his/her Smart Account at any time before the draw date, the Account Holder will lose his/her eligibility to enter the draw and the opportunity to win the prize.
    5. Campaign period 1st October 2018 – 31st October 2018 . Offer is valid for a limited period only and may be revoked at the Bank’s sole and absolute discretion
    6. The prize winners will be contacted by ADIB at the address provided in ADIB’s records
    7. The results of the prize draw will be announced on www.moneysmart.ae
    8. ADIB may also announce the results of the prize draw through any other means of communication at its sole discretion
  2. Prize Draw Mechanism
    1. The winners will be decided randomly by an automated prize draw system in the presence of a representative from the Ministry of Economy of the Emirate where the draw takes place. Or or as required by any applicable rules and regulations of the relevant Emirate
  3. Prize Raffle Coupons
    1. Salary Transfer (coupons will be assigned for only 1 salary transfer per month. In case there is more than 1 salary transfer, the salary with the higher value will be considered for the draw)
      1. AED 5,000 or more salary transfer to the Smart Account only will be eligible for the draw
    2. The raffle coupons earned during the campaign period will expire immediately upon their participation in the draw.
  4. Prizes
    1. Subject to the applicable Terms and Conditions, all prizes granted to eligible Account Holders shall be exclusively from ADIB shareholders funds at the sole discretion of ADIB.
    2. The prizes are non-transferrable, non-changeable and cannot be given to any person other than the account holder winner.
    3. ADIB’s decision and records regarding prizes will be final and legally binding.
    4. Types of Prizes
      1. 20 Tickets for the Abu Dhabi Grand Prix 2018 (Main Grandstand) given to 10 winners (each winner will get 2 tickets)