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Millionaire Destiny Savings Account

Millionaire Destiny Savings Account (MDSA) - Now win up to AED 12 Million in a year!

The Millionaire Destiny Savings Account (MDSA) from ADCB Islamic Banking is a unique savings account that brings you several incredible features and benefits, along with monthly grand prizes of AED 1,000,000 and up to 10 prizes of 1,000,000 TouchPoints, each!

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  • Features and Benefits

    • Grand prize of AED 1,000,000 every month
    • Up to 10 prizes of 1,000,000 TouchPoints each, every month
    • Just a minimum average balance of AED 5,000 is required to be eligible for prizes mentioned above
    • Profit is declared and paid every quarter
    • Free ADCB Islamic Debit Card
    • ADCB TouchPoints are earned on account balances and transactions
    • Free SMS Banking, Internet Banking, Phone Banking and E-Statements
    • Free Takaful Life Insurance*
    • MDSA is offered to both individual residents and non-residents
    • Also available in US$ and for minors
    • An AED 25 Fall Below Fee applies if a balance of AED 3000 is not maintained
  • Monthly Prize mechanism

    • Average monthly balance of AED 5,000 required for eligibility
    • One additional prize draw entry for every additional deposit of AED 1,000
    • One bonus prize draw entry for every additional month you maintain the average balance of AED 5,000

    MDSA has been approved by the Fatwa and Shari’ah Supervisory Board.

    Click to view

    Arabic Fatwa | English Fatwa



    If you have an MDSA account, click here to take a look at the names of past prize draw winners. Your name might just be here!

    For more information on MDSA, please visit any of our ADCB branches across the UAE; call our toll free number at 800-5626 or SMS ‘MDSA’ to 2626


    * Terms and Conditions apply. Prequalification required. Granted at discretion of ADCB

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Call - 800 5626

SMS - ISL to 2626

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Earn TouchPoints

With TouchPoints, get rewarded for every ADCB product or service you 'Touch'. Redeem your TouchPoints online for gift vouchers, utility bill payment, or even for Etihad Guest and Skywards Miles!

Zakat Fund

Make your charitable Zakat payments online,conveniently

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