Key Benefits

No Minimum Balance Requirement

No minimum balance charges when your salary is transferred to your account.

A Debit Card You Can Use Worldwide.

Free, internationally recognized debit card for secure global use.**

Multiple Currencies to Choose From

Available in AED, USD, GBP, EUR, JPY, CAD, SAR, KWD, QAR, BHD, and OMR.

Your Current Account Benefits

Checking Facility

Convenient checking facility for everyday account needs

Complimentary Debit Card

Accepted worldwide for everyday use

Personal Checking Facilities

Tailored for UAE residents

Effortless Online Banking

Manage your account anytime

24/7 Phone Banking

Support wherever you are

SMS Account Updates

Stay informed in real time

Wide Multi-Currency Options

Flexibility for global needs

Explore the criteria and apply with confidence

Available to applicants who meet the minimum balance and salary thresholds.

walletMinimum Balance

Minimum balance requirements of  3,000.

Note: No minimum balance required when your salary is transferred to your account.

paymentsMinimum Monthly Salary

Minimum salary of  5,000.

personEligible Applicants

Available to individuals and businesses including sole proprietorships, partnerships as well as Joint Stock and Limited Liability organizations.

Cards & Mobile Payments

Use your Debit Card with confidence and pay easily in-store, online, or on the go.

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Debit Cards

Combine the flexibility of cash with the security, convenience, and benefits of Shariah-compliant banking.

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Pay on the Go

Use your card, phone, or smartwatch to make secure, contactless payments with ease.

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Supplementary Debit Card

Easily manage your family’s expenses with an additional card linked to your account.

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Frequently Asked Questions

An Emirates Islamic Current Account is a transaction account, which comes with a checking option for the accountholder. An Emirates Islamic Current Account comes with cheque book, Debit card facilities, and a range of other banking benefits.

  • An Emirates Islamic Current Account can be opened by visiting any Emirates Islamic branch. To open a Current Account at the branch, you can visit your nearest branch, fill out the account opening form and provide the required documents.
  • You can also apply for a Current Account through the EI+ Mobile Banking App or Online Banking. You can submit your online application and attached the required documentation.

If you looking for a comfortable and convenient transaction account option, you can open a Current Account with Emirates Islamic. Proprietorships, partnerships, Joint Stock and Limited Liability organisations are also eligible for an Emirates Islamic Current Account.

Yes. Opening a joint Emirates Islamic Account is possible. The account can be operated independently or jointly. For specific tasks (like the opening/closing of the account), joint authorisations will have to be provided. A joint account can’t be opened if one of the respective individuals is a minor.

An Emirates Islamic Current Account can be opened for several major currencies, including AED, USD*, GBP, Euro, Yen, Canadian Dollar, Saudi Riyal, Kuwaiti Dinar, Qatari Riyal, Bahraini Dinar and Omani Riyal.
*Foreign Currency Current Accounts do not offer a debit card and cheque book facility.

No. An Emirates Islamic Current Account does not pay out any profits.

An Emirates Islamic Current Account offers the following facilities:

  • Free debit card
  • Cheque Book
  • Phone Banking
  • Online Banking
  • Mobile App
  • SMS Alerts
  • Availability in Foreign Currency

No. You cannot open an Emirates Islamic Current Account for a minor less than 18 years of age.

The minimum balance requirement is to maintain a minimum of  3,000 in the account. Where the salary is transferred to the account, the minimum balance requirement is waived.

You can view your Emirates Islamic Current Account balance and statements through Online Banking and SMS Alerts. This information can also be accessed through ATMs and IVR.

Yes, you can open a Current Account online through the EI+ Mobile Banking App or Online Banking platform.

A fee of  25 per month (plus applicable VAT) will be charged for not maintaining the required balance.

Yes, it is mandatory for salaried individuals.

You will be subscribed to e-Statement which will be sent to your registered mail ID on a monthly basis.

  • A Conventional Bank is a financial body which receives money from the depositors against a rate of interest and offers liquidity to borrowers against interest. It operates on an interest-based system and is governed by conventional banking laws.
  • An Islamic Bank is a financial body which executes Shariah-compliant commercial contracts like sale, leasing, and construction. It operates on a risk, profit-sharing and trade-based system and is governed by Islamic Banking laws under the supervision of the Internal Shariah Supervision Committee.

  • In Conventional Banking, Savings Accounts and Fixed Deposits (FDs) are types of accounts that pay a predetermined interest rate over a predetermined period of time. Depositors in conventional banks receive Interest on their investments at predetermined rates, regardless of the bank’s performance.
  • In Islamic Banking, depositors earn returns based on the bank’s actual performance. Unlike Conventional Banks, an Islamic Bank acts as an intermediary between the depositor and the party being financed. As such, Islamic banks declare their profits on a monthly-basis under a profit/risk-sharing scheme known as the “Mudaraba or Wakala Scheme”.

  • Interest is a fixed return on a specific sum of money invested over a predetermined period of time (not permissible as per Shariah.).
  • Profit is an undetermined return on a specific sum of money invested over a predetermined period of time. It may vary from month to month, directly depending on the bank’s actual performance (permissible as per Shariah.).
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