Fixed Deposits Fixed Deposit Account

ADCB

Absolute flexibility. High earnings

We made everything easy for you with the Fixed Deposit Account, which offers you flexible tenures and competitive interest rates.

5,000 AED
Minimum deposit
Or equivalent in currencies.
90% Up to
Overdraft facility
To meet urgent demands.
3.40% Up to
Interest rate
Per annum.

Keep in mind

  • Interest payment on premature withdrawal of fixed deposits will be charged at 1% p.a. less than the interest rate that is applicable for the actual tenor and will be payable for the actual number of days the fixed deposit was maintained, unless provided otherwise in any applicable supplemental terms and conditions of a specific fixed deposit product.
Key Features and Benefits

  • Open to UAE nationals, expatriates and non-residents
  • Available in UAE Dirhams, US Dollars, British Pounds and other currencies
  • Minimum deposit of AED 5,000 or its equivalent in respective currencies
  • Flexible tenures in months: 1, 2, 3, 6, 9, 12, 13 and days: 50, 75, 100, 150, 200, 375, 400, 500
  • Enjoy an attractive interest rate of up to 3.40% p.a on ADCB IB Century Deposits
  • Overdraft facility of up to 90% of fixed deposit to meet any immediate needs
  • Simple documentation
  • Enjoy a higher interest rate and more convenience when opening a fixed deposit through ADCB Personal Internet Banking

Interest Rates

Earn attractive interest rates of 3.40% per annum on Fixed Deposits for a tenure of 500 days. For further details on Century Fixed Deposits*, please refer below table

Tenure AED
(Rates effective from
6th May, 2019)
USD
(Rates effective from
6th May, 2019)
500 days 3.40% Not Available
400 days 3.25% 2.90%
375 days 3.15% 2.65%
200 days 2.35% 2.20%
150 days 2.25% 2.10%
100 days 2.00% 2.00%
75 days 1.90% 1.90%
50 days 1.40% 1.40%

*Interest rates are per annum and subject to change without prior notice. Minimum deposit amounts are AED 5,000 and USD 1,500 (as applicable)

Earn attractive interest rates of 3.05% per annum on Offshore Century Fixed Deposits for a tenure of 400 days. 

For further details, please refer to the tables below:

Offshore Century Fixed Deposit Rates*

Tenure USD
(Rates effective from
6th May, 2019)
400 days 3.05%
375 days 2.90%
200 days 2.35%
150 days 2.25%
100 days 2.10%
75 days 2.00%
50 days 1.50%

Offshore Term Deposit Rates*

Tenure USD
(Rates effective from
6th May, 2019)
GBP
(Rates effective from
6th May, 2019)
13 Months 2.75% Not Available
12 Months 2.65% 1.20%
6 Months 2.15% 1.00%
3 Months 1.90% 0.80%
2 Months 1.50% 0.70%
1 Month 1.30% 0.60%

*Interest rates are per annum and subject to change without prior notice. Minimum deposit amounts are USD 1,500 & GBP 1,500 (as applicable).

Tenure Onshore*
(Rates effective from
7th April, 2019)
Offshore*
(Rates effective from
7th April, 2019)
5 Years 3.00% p.a 2.60% p.a
3 Years 2.80% p.a 2.50% p.a

* ADCB Premium Fixed Deposits for Onshore is in AED and Offshore in USD

Eligibility criteria

  • Available to UAE nationals, residents and non-residents
  • Available to all ADCB customers with an active Current or Savings account in AED, USD, GBP and other major currencies
  • Minimum deposit of AED 5,000 or its equivalent in respective currencies

TouchPoints

TouchPoints will be awarded if your deposit amount is AED 100,000 or more. The number of TouchPoints earned will vary according to the tenure of the deposit:

Tenure (TouchPoints Paid on maturity) TouchPoints for every AED 10,000*
1 month 10
2 months 20
3 months 40
6 months 100
12 months and above 300
* TouchPoints are not awarded for Advantage Fixed Deposit.

Terms and Conditions apply. For further details, please click here.

Terms and Conditions

Terms and Conditions apply.

To view the full Consumer Banking Terms and Conditions, click here.

Enjoy world-class and a superior customer experience when you bank with us.

In order to deliver the service you need we’d like to know more about you, so please complete this form and a member of our team will contact you personally.
  • We guarantee a response in 24 hours
  • Get in touch during opening hours (8am to 3pm from Sunday to Thursday and 8am to 1pm on Saturday). Alternatively, visit one of our mall branches between 10am to 10pm
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Other ways to apply

Contact centre

Contact centre

Call our 24-hour contact centre on 600 50 2030.

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SMS 'FD' to 2626 from your registered mobile number.

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