'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.
Islamic Banking
Accounts
Choose from a wide range of Shari’ah compliant accounts to suit your specific needs.
Finances
Whether it’s for education or your personal needs, ADCB has a comprehensive range of Shari’ah compliant finance options.
Takaful & Savings Programme
The ADCB Islamic Takaful and Savings Programmes offer financial assurance through a Shari’ah compliant savings strategy whether your contributions are a regular commitment or a lump sum investment.
Funds & Investments
ADCB Islamic Banking offers Shari’ah Compliant investment solutions diversified across various asset classes.
Credit Cards
ADCB Islamic Banking proudly introduces the first-of- its-kind Islamic Credit Card in the UAE based on the fundamental belief of Responsible Banking.
Privilege Club
As a Privilege Club member, you will receive service that goes beyond the norm. Be it a seamless banking services or special perks like Marhaba Lounge access, the Privilege Club experience is designed to make you feel special.
Excellency
Think of ADCB Islamic Banking Excellency as your personal banking service, always there to offer you the highest standard of service at anytime, wherever you are.
Business Choice
A Shari’ah Compliant choice for self-employed individuals and small businesses to provide them with a one-stop shop for all day-to-day business banking essentials.
Business Banking
ADCB Islamic Banking is a partnership with your business offering you fully Shari’ah compliant financial solutions through a variety of convenient and progressive banking channels.
About Islamic Banking
ADCB Islamic Banking aims at providing customers with fully Shari’ah compliant financial solutions with flexibility of choice and maximum convenience of banking channels.
All products and services are approved by the Fatwa & Shari'ah Supervisory Board.
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
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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
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TouchPoints
The ADCB TouchPoints promise is simple. The more ADCB Islamic Banking products and services you use the more rewards you get.
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:
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
Bills due? Forget about them! Try ADCB@ctive’s new automated bill payment service.
Login and click 'Set-Up' on any of the registered billers under 'Bill Payments'.
Call - 8005626
SMS - SALAM or YAQEEN to 2626
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