Open your smartbanking account now

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Thank you for your interest in smartbanking


smartaccount can be opened by:

Income based:

  • Salaried individuals (AED 5000+ monthly)
  • Business Owners/Partners
  • Account for personal use only

Non-Income based:

  • House wives (with house wife visa status)
  • Students (with Student ID) (Age: 18 to 24 years)
  • Account for personal use only


ADIB Smart Banking Account is governed by the terms and conditions of ADIB saving account as specified in ADIB Banking Services Agreement together with the terms and conditions mentioned thereafter which shall apply only to ADIB Smart Banking Account and together shall form the complete terms and conditions between ADIB and the customer in respect of ADIB Smart Banking Account.

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 for Smartbanking Car Campaigns 2020 and Prize Draw:

  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are governed by the ADIB Smart Account T&Cs and ADIB Banking Services Agreement as may be amended, varied, replaced or superseded from time to time.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 2020 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
      2. 10 Visa Pre-loaded Gift Cards: Each worth AED 300 and usable in accordance with the T&Cs of the Visa Gift Cards.

Congratulations!

Grand Prize - Mini CooperNumber of Prize: 1

S. No Winner Name Prize
1 Mohamed Ruzky Grand Prize - Mini Cooper

Pre-Loaded Visa Gift Cards (AED 300)Number of Prizes: 10

S. No Winner Name Prize
1 Akram Abdelwahed Pre-Loaded Visa Gift Cards
2 Omayma Pre-Loaded Visa Gift Cards
3 Mudassir ur Rehman Pre-Loaded Visa Gift Cards
4 Imran Pre-Loaded Visa Gift Cards
5 Fatma Pre-Loaded Visa Gift Cards
6 Ayah H Pre-Loaded Visa Gift Cards
7 Mohamad Charif Pre-Loaded Visa Gift Cards
8 Eslam Najim Pre-Loaded Visa Gift Cards
9 Zainab Pre-Loaded Visa Gift Cards
10 Maryam Mohamed Pre-Loaded Visa Gift Cards

Note: The prize winners will be contacted by ADIB against the winners’ contact records.

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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
Benefits

Transfer your salary
and get a chance to win rewards through ADIB salary bonus

Earn profit
on whatever you save

smartdeals
Enjoy over 1500 deals and discounts through the smartdeals app

Earn smartbonus
by referring a friend (AED 20) or engaging in the moneysmart community

Send money home for free
with 1 free domestic and international transfer per month

Exclusive for select customers with salary transfer account

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

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.

Learn More

smartbanking campaign promotion winners list

#Bemoneysmart

Open your smartaccount todayBecome part of the first Islamic digital banking experience in the world





Take your financial journey to the next level!
Open your smart account now

Resident

United Arab Emirates

Age Criteria

18 years and Above

Usage

Personal and Non-Commercial

Required Documents

Original Passport
Valid Emirates ID (for UAE Nationals & Residents)
Valid UAE residence visa

Income based

  • Minimum monthly income of AED 5000
  • Salaried/Business Owners/Partners
  • Account for personal use only

Non-Income based

  • House wives (with house wife visa status)
  • Students (with Student ID) and aged below 24
  • Account for personal use only

Profit Rates

Month smartbanking accounts
October 2020 0.5482% (p.a)
September 2020 0.5009% (p.a)
August 2020 0.5326% (p.a)
July 2020 0.4787% (p.a)
June 2020 0.5579% (p.a)
May 2020 0.5602% (p.a)
April 2020 0.5285% (p.a)
March 2020 0.4563% (p.a)
February 2020 0.6047% (p.a)
January 2020 0.5564% (p.a)
December 2019 0.8483% (p.a)
November 2019 0.6182% (p.a)
October 2019 0.6065% (p.a)
September 2019 0.6096% (p.a)
August 2019 0.6576% (p.a)
July 2019 0.6798% (p.a)
June 2019 0.6404% (p.a)
May 2019 0.627% (p.a)
April 2019 0.613% (p.a)
March 2019 0.610% (p.a)
  1. Above are the actual profit distribution rates for the respective months. Future month profit distribution rates, if any, may vary and will be made in accordance with the ADIB Smart Banking Account Terms and Conditions.
  2. Monthly profit or loss is calculated on a monthly basis based on the monthly average of the daily closing balance of ADIB Smart Banking Account during any calendar month.
  3. For any balances above AED 1 in the ADIB Smart Banking Account, ADIB will endeavor to deposit the entire achieved profit of the relevant month and which will be fully distributed and deposited in the relevant ADIB Smart Banking Account on a monthly basis and any balance of the achieved profits that is not distributed shall be transferred to the relevant profit equalization reserve of this tier of ADIB Smart Banking Accounts.



Call centre

For inquiries you may contact us by phone at
600524644



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