- Free Cheque Pick-up Facility*
Time is precious so don’t waste it by standing in queues. ADCB will send a vehicle to your location to pick-up cheques. That saves you time, improves cash management and reduces the possibility of fraud.
- No Minimum Balance Requirement*
Small businesses face no greater constraint than cash flow, which is why ADCB Islamic BusinessChoice customers can enjoy the freedom of no minimum balance for a nominal monthly fee. And those who prefer to maintain a higher balance can unlock a range of attractive waivers on day-to-day banking transactions, adding up to great annual savings.
- Auto Sweep Facility Sweep In:
With the Auto Sweep In facility, you don’t need to worry about returned cheques due to insufficient funds. With this new feature, the “Sweep In” facility automatically pulls in available funds from other ADCB accounts and covers up for any shortfall of funds in your primary ADCB Islamic BusinessChoice Current Account through a standing instruction.
With this new facility, the surplus balances in your primary BusinessChoice Current Account can be linked to ADCB Islamic account and you can start reaping the benefits of earning higher returns from your savings.
- Globally Accepted ATM/Debit Card
The ADCB ATM/Debit Card, which is linked to the Petty Cash Account, offers flexibility and convenience in your everyday life. With this card, you can enjoy cash withdrawal from over 900,000 ATMs within and outside the UAE. You can also pay for all your shopping, dining, travel or any other payments conveniently with your card. What’s more - you can apply for up to 5 Supplementary Debit cards linked to the Primary Debit card.
- Free Business Takaful Insurance (For Platinum Customers only)
Should the worst ever happen, ADCB Islamic BusinessChoice provides you peace of mind with complimentary premises Takaful insurance coverage of up to AED 250,000 against fire and theft, subject to terms and conditions.
- Preferential Rates on Remittances*
Conduct your banking transactions online and not only will you be able to access your account details 24/7, you will also receive great savings on payments and transfers.
- Free Limited Teller Transactions
- Free Cheque Book
- Free ATM, Phone Banking, Internet Banking and Mobile Banking
- Free e-Statement
- ADCB Islamic Banking BusinessChoice Special Savings Account
This new account facility encourages you to maintain a surplus balance so that you can benefit from higher profit rates. Your surplus account balance, from your assigned daily limit, will automatically be swept out to your ADCB Islamic BusinessChoice Special Savings Account which will enable you to earn higher returns from your savings.
BusinessChoice Special Savings Account is a savings account based on Mudarabah contract. Profit rate slabs for BusinessChoice Special Savings Account, where profit is calculated daily (End Of Day) and paid quarterly. The expected profit rates are as follows:
| Account Balance in ADCB Islamic Banking BusinessChoice Special Savings Account (in AED) | Expected Profit Rate (% p.a.) |
| 0.00 - 24,999.99 | 0.50 |
| 25,000.00 - 99,999.99 | 0.75 |
| 100,000.00 - 299,999.99 | 1.00 |
| 300,000.00 - 4,999,999.99 | 1.50 |
| 5,000,000.00 + | 1.00 |
Note: The profit rates are subject to the performance of the Mudarabah pool and may change without any prior notice. ADCB Islamic Banking Terms & Conditions apply. The Sweep-Out service links your primary current account to a special savings account and funds beyond preset threshold limits in the former account get transferred to the latter account to earn tiered profit based on available balance. Predefined threshold limits to trigger Sweep Out facility:
| ADCB Islamic Banking BusinessChoice Current Account (BCA) | Sweep Out Threshold Amount^ |
| Silver BCA | > AED 25,000 |
| Gold BCA | > AED 75,000 |
| Platinum BCA | > AED 150,000 |
(Any balance above this amount will be swept out from ADCB Islamic BusinessChoice Current Account to BusinessChoice Special Savings Account by way of a Standing Instruction) Note: The threshold limits are subject to change at the sole discretion of the Bank without any prior notice. ADCB Islamic Banking’s Terms & Conditions apply. There is no minimum balance requirement or monthly charges, no cheque book facility, no TouchPoints and no ATM/Debit Card issued on this account. Teller Transactions are chargeable for cash/cheque deposit and withdrawals. Set a Standing Instruction to activate the Sweep-Out facility and reap the reward of maintaining higher balances.Click herefor Terms and Conditions.
To facilitate daily transactions, ADCB Islamic Banking offers no minimum balance account which comes with a Debit Card. * This facility is available to ADCB Islamic Gold & Platinum Customers only. Subject to ADCB Islamic Banking’s Terms and Conditions.
