Current Account Current Account

Key Benefits

No charges

No charges

When the salary is transferred to the customer’s current account, there will be no minimum balance charges.

Debit Card

Debit Card

The customers will have access to a free internationally recognized debit card.

Easy access

Easy access

Free online banking and mobile banking to view, manage and conduct transactions at your convenience.

Multiple currencies

Multiple currencies

Available in AED, USD*, GBP, Euro, Yen, Canadian Dollar, Saudi Riyal, Kuwaiti Dinar, Qatari Riyal, Bahraini Dinar and Omani Riyal.

In today’s fast-paced lifestyle, you need a bank account that simplifies your life. With Emirates Islamic’s Current Account, you get a transaction account with personal checking facilities, and a range of convenient benefits.

Emirates Islamic Current Account is a Shari’a-compliant account, where you can enjoy the convenience of a globally accepted Debit Card, free Online and Mobile Banking access, availability in a range of global currencies, chequebook and much, much more. It really is the simple way to bank.

Benefits

  • No minimum balance charges if salary is transferred.
  • Free internationally recognized debit card.
  • Personal checking facilities for UAE residents.
  • Free online banking to view, manage and conduct transactions at your convenience.
  • Phone banking giving you anytime, anywhere access to your accounts.
  • SMS account updates for charge card balances and other transactions.
  • Currencies:
    • Available in AED, USD*, GBP, Euro, Yen, Canadian Dollar, Saudi Riyal, Kuwaiti Dinar, Qatari Riyal, Bahraini Dinar and Omani Riyal.
    • *Debit Card and Cheque book are not available on Foreign Currency Current Accounts.

Eligibility

  • Minimum balance requirements of AED 3,000.
  • Minimum salary of AED 5,000.
  • Available to individuals and businesses including sole proprietorships, partnerships as well as Joint Stock and Limited Liability organizations.

Documents Required

  • Original and photocopy of Khulasat Al Qaid or Passport for UAE Nationals.
  • Original and photocopy of passport with valid residence visa for expatriates.
  • Completed application form.

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. Opening a Current Account will involve filling out an account opening form and providing the required documents.

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 AED 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.

No, you cannot open a Current Account online.

A fee of AED 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.