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Salam Personal Finance

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Salam Personal Finance

In keeping with the philosophy of forward-thinking partnerships, by offering you financial solutions, ADCB Islamic Banking guarantees you cash personal finance that is governed by the rules and regulations of Islamic Shari’ah.

"Yaqeen" is a retail cash finance product considered to be the most trusted Islamic Personal Finance; structured under the unique concept of "Bai Al Salam". "Yaqeen" truly puts you on the right path.

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  • Definition

    'Bai Al Salam' is a Sale contract where the Customer (Seller) undertakes to deliver/supply a specified tangible asset to ADCIF (Buyer) at mutually agreed future date(s) in exchange for an advance price fully paid on the spot by the buyer.

  • Features and Benefits

    • Finance for UAE Nationals and Expatriates
    • Finance amounts of up to 20 salary multiples
    • Flexible repayment tenures of up to 48 months
    • Takaful Insurance coverage
    • Earn Touch points for every AED 1,000 of your finance amount
  • TouchPoints

    The ADCB TouchPoints promise is simple. The more ADCB Islamic Banking products and services you use the more rewards you get.

3 Simple Ways To Apply

Call - 8005626
SMS - SALAM or YAQEEN to 2626

For further information or to apply for your Personal Finance please call our toll free number on

800 5626 or visit any one of the ADCB branches across the UAE.

All ADCIF (the Islamic finance subsidairy of ADCB) products and services are approved by the Fatwa and Shari’ah Supervisory Board.

To view the fatwa issued by the Chairman, Shari’ah Supervisory Board authenticating compliance of product structure and validating the documentation please check the following links:

Arabic Fatwa | English Fatwa

To view the process of "Bai Al Salam" contract transactions please click the following link:

Process of Executing Salam transaction

For details on Islamic Profit rates charges on Finance click here


All finances approvals are at the sole discretion of ADCIF (a subsidiary of ADCB) and subject to ADCIF’s terms and conditions and upon submission of documentation acceptable to ADCIF.

The counterparty for all Bai Al Salam Products will be ADCIF . The counterparty for products other than Bai Al Salam will be ADCB-IDB

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  • Contact Us
  • ATMs / Branches

Call - 800 5626

SMS - ISL to 2626

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