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Salary Advance Facility

ADCB Islamic Banking's Salary Advance Facility ("SAF") is a Shari’ah Compliant finance facility which can be attached to your Islamic Banking Current Account. SAF is based on the "Qard al Hasan" contract (finance without profit) where a flat monthly fee is charged, irrespective of the SAF amount utilized.

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  • Features & Benefits

    • Minimum SAF limit is AED 5,000 and maximum limit can go up to AED 20,000
    • SAF will be granted for a period of one year with automatic renewals
    • The Bank shall recover monthly and annual fees from the Islamic Banking Current Account
    • Minimum salary requirement is AED 12,000
    • Option to apply for ADCB Islamic Banking Credit Card
  • Fees & Charges

    • Flat monthly fee of AED 100
    • An initial set up fee of AED 200 shall be charged once the account is opened
    • Subsequent renewal fees of AED 200 shall be charged every 12 months
  • Documentation

    • Salary Advance Facility Form
    • Salary Transfer Letter
    • Liability Letter (Only if liabilities are with another bank)
    • Three months’ bank statements (Only if account is with another bank)
    • Passport copy

For more information or to apply call toll free 800 5626 or visit any ADCB branch in the UAE.

All ADCB Islamic Banking products and services are approved by the Fatwa and Shari’ah Supervisory Board. To view the Fatwa on ADCB Islamic Banking’s Salary Advance Facility please click on the following link:

Click here to view Fatwa

Disclaimer:All financing is made available at the sole discretion of ADCB-IBD and is subject to ADCB-IBD Terms and Conditions and submission of acceptable documentation

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