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Current Account
Convenient, fast-moving banking with unlimited transactions
Saadiq Current Account
Shariah compliant banking with unlimited transactions
Xtrasaver Account
Earn higher returns
Saadiq Xtrasaver Account
High profit rate
Wealth$aver Account
Speed up your savings
Fixed Deposits
Ensure peace of mind and high returns
Saadiq Term Account
Earn competitive returns that complement your belief
Saadiq Wakalah Fixed Deposit Account
Amplify your savings
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360 Rewards
Earn points for every spend
Purchase with rewards
Today’s Points are tomorrow’s savings
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Home Loan
Low interest rates and no fees to help you own your dream home
Saadiq Home Finance
Based on Ijarah concept and approved by an independent Shariah Supervisory Committee
Loan on Card/Get Cash from Card
Transfer some of your available credit limit to your personal account
Easy Payment Plan
Monthly repayments are much more affordable
Deby Restructuring Plan
Supporting you through the tough times
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Own a home with a bundle of attractive options
Access over 40,000 stocks and ETFs
Customer Investment Profile
Understanding your investment objectives, knowledge, risk appetite and more for effective investment recommendation
Market Views On-The-Go
Tap into our global resources to analyse the financial markets around the world
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Curated read to empower you in making better financial decisions
Wealth Select
Bring your vision for “Today, Tomorrow and Forever” to life
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Global Choice
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Our flexible plan for growing your wealth
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Futura
Our flexible, lifetime protection plan
International Term Assurance
Our portable, level-team protection plan
International Decreasing Term Assurance
Our portable, decreasing level-term protection plan
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Comprehensive motor insurance for your car
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Protect your assets from the unexpected
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Basics of Banking
As per the guidelines of the Central Bank of the UAE, all banks are required to incorporate a set of security features in the monetary instruments (i.e. Cheque, Demand Draft, Pay order / Manager's Cheque). Each bank may have its own list of overt/covert security features; however, the minimum security features mandated by the Central Bank of the UAE will be available on all of them. Some security features are easily verifiable without the need for additional devices. Cheques issued by banks now carry a warning band either on the front or back which identifies one or more security features that are available in the instrument.
The simplest form of verifying if the instrument at hand is compliant or not, is to gently rub on the word indicative of the instrument type, such as "CHEQUE" OR "MANAGERS CHEQUE" OR "PAY ORDER" printed in Thermo chromic ink. The word "CHEQUE" OR "MANAGERS CHEQUE" OR "PAY ORDER" will fade away due to the heat and will reappear quickly once it cools down.
Should you require any further information, please call us on 600 5222 88 from within the UAE or +971 600 5222 88 from outside the UAE.
بموجب التوجيهات الصادرة عن مصرف الإمارات العربية المتحدة المركزي، فإنه يتعين على جميع البنوك ان تدخل عدد من الخصائص الأمنية في الأدوات النقدية (وهي الشيكات و الكمبيالة تحت الطلب وأوامر الدفع/ شيكات المدير)، ويجوز أن يكون لكل بنك مجموعة من الخصائص الأمنية الظاهرة / الخفية الخاصة به، على أن يتوافر في جميع الأدوات النقدية الحد الأدنى من الخصائص الأمنية التي يُلزم بها المصرف المركزي. يمكن التحقق من صحة بعض الخصائص الأمنية بسهولة دونما الحاجة إلى أجهزة مساعدة. والآن، أصبحت الشيكات التي تصدرها البنوك مزودة بشريط تحذيري سواء على الجانب الأمامي أو الخلفي للشيك، وهذا الشريط يشير إلى واحدة أو أكثر من الخصائص الأمنية الموجودة في الأداة النقدية.
أبسط أشكال التحقق ما إذا كانت الأداة التي بيد العميل متوافقة، يكون بفرك الكلمة التي تدل على نوعية الأداة، مثل كلمة "شيك" أو "شيك مدير" أو "أمر دفع" و المطبوعة بالحبر الحراري ؛ إذ عندها سوف تختفي الكلمة بفعل الحرارة المتولدة عن عملية الفرك ثم تعاود الظهور مرة أخرى حالما تبرد.
في حال ما إذا كنت تحتفظ بشيكات خاصة بحسابك لم يتم استخدامها ولا تتوافق مع متطلبات الخصائص الأمنية، فيجب عليك عندئذ أن تقوم بتمزيقها بنفسك بعناية وأمان للحيلولة دون إساءة استخدامها
إذا كنت بحاجة إلى معلومات إضافية، يرجى الاتصال برقم 88 2225 600 من داخل الإمارات أو برقم 88 2225 600 971+ من
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