Islamic Savings Account | Shariah Compliant Account

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class="sc-nav-drop__wrapper sc-nav__container"> <div class="sc-nav-drop__col-wrapper"> <div class="sc-nav-drop__col"> <div class="sc-nav-drop__col-label"> <span><a href="/ae/deposits/current-account/" title="Current Accounts">Current Accounts</a></span> </div> <ul class="sc-nav-drop__col-list"> <li class="sc-nav-drop__col-item"> <a title="Current Account" href="/ae/deposits/current-account/"> <div class="sc-nav-drop__col-text"> <p class="sc-nav-drop__link sc-nav-drop__link-indent"> Current Account </p> <p class="sc-nav-drop__desc only-desktop"> Convenient, fast-moving banking with unlimited transactions </p> </div> </a> </li> <li class="sc-nav-drop__col-item"> <a title="Saadiq Current Account" href="/ae/islamic/saadiq-current-account/"> <div class="sc-nav-drop__col-text"> <p class=" sc-nav-drop__link sc-nav-drop__link-indent "> Saadiq Current Account </p> <p class="sc-nav-drop__desc only-desktop"> Enjoy Shariah compliant banking with unlimited transactions </p> </div> </a> </li> </ul> </div> <div class="sc-nav-drop__col"> <div class="sc-nav-drop__col-label"> <span><a title="Savings Accounts" href="/ae/deposits/">Savings Accounts</a></span> </div> <ul class="sc-nav-drop__col-list"> <li class="sc-nav-drop__col-item"> <a title="XtraSaver Account" href="/ae/deposits/xtra-saver-account/"> <div class="sc-nav-drop__col-text"> <p class=" sc-nav-drop__link sc-nav-drop__link-indent "> XtraSaver Account </p> <p class=" sc-nav-drop__desc only-desktop only-desktop "> Earn higher returns with XtraSaver Account </p> </div> </a> </li> <li class="sc-nav-drop__col-item"> <a title="Saadiq XtraSaver Account" href="/ae/deposits/saadiq-xtrasaver/"> <div class="sc-nav-drop__col-text"> <p class=" sc-nav-drop__link sc-nav-drop__link-indent "> Saadiq XtraSaver Account </p> <p class="sc-nav-drop__desc only-desktop"> High profit rate on Saadiq XtraSaver Account </p> </div> </a> </li> <li class="sc-nav-drop__col-item"> <a title="Wealth$aver Account" href="/ae/deposits/wealth-saver/"> <div class="sc-nav-drop__col-text"> <p class=" sc-nav-drop__link sc-nav-drop__link-indent "> Wealth$aver Account </p> <p class="sc-nav-drop__desc only-desktop"> Speed up your savings with the Wealth$aver account, offering up to 3.5% p.a. profit rate </p> </div> </a> </li> </ul> </div> <div class="sc-nav-drop__col"> <div class="sc-nav-drop__col-label"> <span><a title="Fixed Account" href="/ae/deposits/">Fixed Account</a></span> </div> <ul class="sc-nav-drop__col-list"> <li class="sc-nav-drop__col-item"> <a title="Fixed Deposits" href="/ae/deposits/fixed-deposit/"> <div class="sc-nav-drop__col-text"> <p class=" sc-nav-drop__link sc-nav-drop__link-indent "> Fixed Deposits </p> <p class="sc-nav-drop__desc only-desktop"> Ensures peace of mind and high returns </p> </div> </a> </li> <li class="sc-nav-drop__col-item"> <a title="Saadiq Term Account" href="/ae/islamic/saadiq-term-account/"> <div class="sc-nav-drop__col-text"> <p class=" sc-nav-drop__link sc-nav-drop__link-indent "> Saadiq Term Account </p> <p class="sc-nav-drop__desc only-desktop"> Earn competitive returns that complements your belief </p> </div> </a> </li> <li class="sc-nav-drop__col-item"> <a title="Saadiq Wakalah Fixed Deposit Account" href="/ae/deposits/saadiq-wakalah-fixed-deposit/"> <div class="sc-nav-drop__col-text"> <p class=" sc-nav-drop__link sc-nav-drop__link-indent "> Saadiq Wakalah Fixed Deposit Account </p> <p class="sc-nav-drop__desc only-desktop"> Amplify your savings with the new Saadiq Wakalah Fixed Deposit Account </p> </div> </a> </li> </ul> </div>  <div class="sc-nav-drop__col sc-nav-drop__col-promo"> <a title="XtraSaver Account" href="/ae/deposits/xtra-saver-account/"> <div class="sc-nav-drop__promo-box"> <img src="https://av.sc.com/ae/content/images/DXB-010234-SCB-UAE-Website-Images-290x150px_XtraSaver-Jar-op1.jpg" alt="XtraSaver Account" loading="lazy" width="290" height="150" /> <div class="sc-nav-drop__promo-text"> <p class="sc-nav-drop__promo-title"> XtraSaver Account </p> <p class="sc-nav-drop__promo-desc"> Earn higher returns with XtraSaver Account </p> </div> </div> </a> </div>  <div class="sc-nav-drop__view-all"> <a href="/ae/deposits/" class="sc-nav-drop__btn"> View All Accounts & Deposits </a> </div> </div> </div> </div> </div> </div> </li>  <li class="sc-nav__item sc-nav__item--has-meganav"> <button class="sc-nav__btn sc-nav__menu">Credit Cards</button> <div class="sc-nav__mgnv-wrapper"> <div class="sc-nav-drop"> <button class="sc-nav__btn sc-nav-drop__back sc-nav__back only-mobile"> Back </button> <div class="sc-nav-drop__content"> <div class="sc-nav-drop__wrapper sc-nav__container"> <div class="sc-nav-drop__col-wrapper"> <div class="sc-nav-drop__col"> <div class="sc-nav-drop__col-label"> <span><a title="Credit Cards" href="/ae/credit-cards/">Credit Cards</a></span> </div> <ul class="sc-nav-drop__col-list"> <li class="sc-nav-drop__col-item"> <a title="JOURNEY" class="sc-nav-drop__col-item-link" href="/ae/credit-cards/journey/"><img class="sc-nav-drop__img" aria-hidden="true" src="https://av.sc.com/ae/content/images/ae-nav-440x-280y-sc-card-on-journey.png" alt="JOURNEY" loading="lazy" width="90" height="55" /> <div class="sc-nav-drop__col-text"> <p class="sc-nav-drop__link">JOURNEY</p> <p class="sc-nav-drop__desc"> Go further with the reward points and travel privileges </p> </div> </a> </li> <li class="sc-nav-drop__col-item"> <a title=" Smart Saadiq" class="sc-nav-drop__col-item-link" href="/ae/credit-cards/smart-saadiq/"><img class="sc-nav-drop__img" aria-hidden="true" src="https://av.sc.com/ae/content/images/pk-smart-sadiq-pintile.jpg" alt=" Smart Saadiq" loading="lazy" width="90" height="55" /> <div class="sc-nav-drop__col-text"> <p class="sc-nav-drop__link"> Smart Saadiq</p> <p class="sc-nav-drop__desc"> A world of zero worries </p> </div> </a> </li> <li class="sc-nav-drop__col-item"> <a title="SIMPLY CASH" class="sc-nav-drop__col-item-link" href="/ae/credit-cards/simply-cash/"><img class="sc-nav-drop__img" aria-hidden="true" src="https://av.sc.com/ae/content/images/ae-nav-440x-280y-simply-cash.png " alt="Cashback" loading="lazy" width="90" height="55" /> <div class="sc-nav-drop__col-text"> <p class="sc-nav-drop__link">SIMPLY CASH</p> <p class="sc-nav-drop__desc"> You get cashback on everything </p> </div> </a> </li> </ul> </div> <div class="sc-nav-drop__col sc-nav-drop__col--no-left-border"> <span class="sc-nav-drop__col-spacing"></span> <ul class="sc-nav-drop__col-list"> <li class="sc-nav-drop__col-item"> <a title="Manhattan Rewards+" class="sc-nav-drop__col-item-link" href="/ae/credit-cards/manhattan-rewards/"><img class="sc-nav-drop__img" aria-hidden="true" src="https://av.sc.com/ae/content/images/DXB-010234-SCB-UAE-Website-Cards-440x280px_Mahhattan.png" alt="Manhattan Rewards+" loading="lazy" width="90" height="55" /> <div class="sc-nav-drop__col-text"> <p class="sc-nav-drop__link"> Manhattan Rewards+ </p> <p class="sc-nav-drop__desc"> The best credit card loyalty programme </p> </div> </a> </li> <li class="sc-nav-drop__col-item"> <a title="X Credit Card" class="sc-nav-drop__col-item-link" href="/ae/credit-cards/x-card/"><img class="sc-nav-drop__img" aria-hidden="true" src="https://av.sc.com/ae/content/images/DXB-010234-SCB-UAE-Website-Cards-440x280px_X.png" alt="X Credit Card " loading="lazy" width="90" height="55" /> <div class="sc-nav-drop__col-text"> <p class="sc-nav-drop__link">X Credit Card</p> <p class="sc-nav-drop__desc"> Cashback was never so easy </p> </div> </a> </li> </ul> </div> <div class="sc-nav-drop__col"> <span class="sc-nav-drop__col-spacing"></span> <ul class="sc-nav-drop__col-list"> <li class="sc-nav-drop__col-item"> <a title="360 Rewards " href="/ae/360rewards/"> <div class="sc-nav-drop__col-text"> <p class="sc-nav-drop__link">360 Rewards</p> <p class="sc-nav-drop__desc"> Earn points for every spend </p> </div> </a> </li> <li class="sc-nav-drop__col-item"> <a title="Card offers " href="/ae/promotions/"> <div class="sc-nav-drop__col-text"> <p class="sc-nav-drop__link">Card offers</p> <p class="sc-nav-drop__desc"> Enjoy exciting privileges </p> </div> </a> </li> <li class="sc-nav-drop__col-item"> <a title="Purchase with Rewards" href="/ae/credit-cards/purchase-with-rewards/"> <div class="sc-nav-drop__col-text"> <p class="sc-nav-drop__link"> Purchase with Rewards </p> <p class="sc-nav-drop__desc"> Today’s Points are tomorrow’s savings </p> </div> </a> </li> <li class="sc-nav-drop__col-item"> <a title="Transfer Rewards " href="/ae/credit-cards/transfer-rewards/"> <div class="sc-nav-drop__col-text"> <p class="sc-nav-drop__link">Transfer Rewards</p> <p class="sc-nav-drop__desc"> Transfer Rewards to travel happier </p> </div> </a> </li> </ul> </div>   <div class="sc-nav-drop__col sc-nav-drop__col-promo"> <a title="Find the best card for you" href="/ae/credit-cards/finder/"> <div class="sc-nav-drop__promo-box"> <img src="https://av.sc.com/ae/content/images/ae-credit-card-performance-pintile-290x150_01.jpg" alt="Find the best card for you" loading="lazy" width="290" height="150" /> <div class="sc-nav-drop__promo-text"> <p class="sc-nav-drop__promo-title"> Find the best card for you </p>  <p class="sc-nav-drop__promo-desc"> Apply for credit card today online and enjoy premium benefits </p> </div> </div> </a> </div>  <div class="sc-nav-drop__view-all"> <a href="/ae/credit-cards/" class="sc-nav-drop__btn"> View All Credit Cards </a> </div> </div> </div> </div> </div> </div> </li>  <li class="sc-nav__item sc-nav__item--has-meganav"> <button class="sc-nav__btn sc-nav__menu">Borrow</button> <div class="sc-nav__mgnv-wrapper"> <div class="sc-nav-drop"> <button class="sc-nav__btn sc-nav-drop__back sc-nav__back only-mobile"> Back </button> <div class="sc-nav-drop__content"> <div class="sc-nav-drop__wrapper sc-nav__container"> <div class="sc-nav-drop__col-wrapper"> <div class="sc-nav-drop__col"> <div class="sc-nav-drop__col-label"> <span><a title="Mortgages" href="/ae/loans/">Mortgages</a></span> </div> <ul class="sc-nav-drop__col-list"> <li class="sc-nav-drop__col-item"> <a title="Home Loans " href="/ae/loans/home-suite/"> <div class="sc-nav-drop__col-text"> <p class="sc-nav-drop__link">Home Loans</p> <p class="sc-nav-drop__desc"> Low interest rates and no fees to help you own your dream home </p> </div> </a> </li>  </ul> </div> <div class="sc-nav-drop__col"> <div class="sc-nav-drop__col-label"> <span><a title="Home Finances" href="/ae/loans/">Home Finances</a></span> </div> <ul class="sc-nav-drop__col-list"> <li class="sc-nav-drop__col-item"> <a title="Saadiq Home Finance" href="/ae/islamic/saadiq-home-finance/"> <div class="sc-nav-drop__col-text"> <p class="sc-nav-drop__link"> Saadiq Home Finance </p> <p class="sc-nav-drop__desc"> Based on Ijarah concept & approved by an independent Shariah Supervisory Committee </p> </div> </a> </li>  </ul> </div> <div class="sc-nav-drop__col"> <div class="sc-nav-drop__col-label"> <span><a title="Manage your finances" href="/ae/bank-with-us/manage-your-finances/">Manage your finances</a></span> </div> <ul class="sc-nav-drop__col-list"> <li class="sc-nav-drop__col-item"> <a title="Loan on Card Get Cash From Card" href="/ae/bank-with-us/manage-your-finances/fixed-payment-plan/"> <div class="sc-nav-drop__col-text"> <p class="sc-nav-drop__link">LOAN ON CARD/ GET CASH FROM CARD</p> <p class="sc-nav-drop__desc"> Transfer some of your available credit limit to your personal account </p> </div> </a> </li> <li class="sc-nav-drop__col-item"> <a title="Easy Payment Plan" href="/ae/bank-with-us/manage-your-finances/easy-payment-plan/"> <div class="sc-nav-drop__col-text"> <p class="sc-nav-drop__link">Easy Payment Plan</p> <p class="sc-nav-drop__desc"> Monthly repayments are much more affordable </p> </div> </a> </li> <li class="sc-nav-drop__col-item"> <a title="Debt Restructuring Plan" href="/ae/loans/debt-restructuring/"> <div class="sc-nav-drop__col-text"> <p class="sc-nav-drop__link">Debt Restructuring Plan</p> <p class="sc-nav-drop__desc"> Supporting you through the tough times </p> </div> </a> </li> </ul> </div>  <div class="sc-nav-drop__col sc-nav-drop__col-promo"> <a title="Home Loans" href="/ae/loans/home-suite/"> <div class="sc-nav-drop__promo-box"> <img src="https://av.sc.com/ae/content/images/DXB-010234-SCB-UAE-Website-Images-290x150px_Saadiq-Home-Finance.jpg" alt="Home Loans" loading="lazy" width="290" height="150" /> <div class="sc-nav-drop__promo-text">  <p class="sc-nav-drop__promo-title"> Home Loans </p> <p class="sc-nav-drop__promo-desc"> Own a home with a bundle of attractive options </p> </div> </div> </a> </div>  <div class="sc-nav-drop__view-all"> <a href="/ae/loans/" class="sc-nav-drop__btn"> View All Mortgages </a> </div> </div> </div> </div> </div> </div> </li>  <li class="sc-nav__item sc-nav__item--has-meganav"> <button class="sc-nav__btn sc-nav__menu">Invest</button> <div class="sc-nav__mgnv-wrapper"> <div class="sc-nav-drop"> <button class="sc-nav__btn sc-nav-drop__back sc-nav__back only-mobile"> Back </button> <div class="sc-nav-drop__content"> <div class="sc-nav-drop__wrapper sc-nav__container"> <div class="sc-nav-drop__col-wrapper"> <div class="sc-nav-drop__col"> <div class="sc-nav-drop__col-label"> <span><a title="Ways to Invest" href="/ae/investments/">Ways to Invest</a></span> </div> <ul class="sc-nav-drop__col-list"> <li class="sc-nav-drop__col-item"> <div class="sc-nav-drop__col-text"> <a title="MUTUAL FUNDS" class="sc-nav-drop__link sc-nav-drop__link-indent" href="/ae/investments/mutual-funds/"> MUTUAL FUNDS </a> </div> </li> <li class="sc-nav-drop__col-item"> <div class="sc-nav-drop__col-text"> <a title="WRAP PRODUCTS" class="sc-nav-drop__link sc-nav-drop__link-indent" href="/ae/investments/wrap-products/"> WRAP PRODUCTS </a> </div> </li> <li class="sc-nav-drop__col-item"> <div class="sc-nav-drop__col-text"> <a title="FIXED INCOME SECURITIES" class="sc-nav-drop__link sc-nav-drop__link-indent" href="/ae/investments/fixed-income-securities/"> FIXED INCOME SECURITIES </a> </div> </li> <li class="sc-nav-drop__col-item"> <div class="sc-nav-drop__col-text"> <a title="WEALTH LENDING" class="sc-nav-drop__link sc-nav-drop__link-indent" href="/ae/investments/wealth-lending/"> WEALTH LENDING </a> </div> </li> <li class="sc-nav-drop__col-item"> <div class="sc-nav-drop__col-text"> <a title="TREASURY SOLUTIONS" class="sc-nav-drop__link sc-nav-drop__link-indent" href="/ae/investments/treasury-solutions/"> TREASURY SOLUTIONS </a> </div> </li> </ul> </div> <div class="sc-nav-drop__col"> <div class="sc-nav-drop__col-label"> <span><a title="DIGITAL WEALTH SOLUTIONS" href="#">DIGITAL WEALTH SOLUTIONS</a></span> </div> <ul class="sc-nav-drop__col-list"> <li class="sc-nav-drop__col-item"> <div class="sc-nav-drop__col-text"> <a title="Online Equity Trading" class="sc-nav-drop__link sc-nav-drop__link-indent" href="/ae/online-equity-trading/"> Online Equity Trading </a> </div> </li> <li class="sc-nav-drop__col-item"> <div class="sc-nav-drop__col-text"> <a title="ONLINE MUTUAL FUNDS" class="sc-nav-drop__link sc-nav-drop__link-indent" href="/ae/online-mutual-funds/"> ONLINE MUTUAL FUNDS </a> </div> </li> <li class="sc-nav-drop__col-item"> <div class="sc-nav-drop__col-text"> <a title="TRADE FX " class="sc-nav-drop__link sc-nav-drop__link-indent" href="/ae/investments/trade-fx/"> TRADE FX </a> </div> </li> <li class="sc-nav-drop__col-item"> <div class="sc-nav-drop__col-text"> <a title="SC DIGIADVISORY" class="sc-nav-drop__link sc-nav-drop__link-indent" href="/ae/sc-digiadvisory/"> SC DIGIADVISORY </a> </div> </li> </ul> </div> <div class="sc-nav-drop__col"> <div class="sc-nav-drop__col-label"> <span><a title="Tools To Help" href="#">EMPOWER YOUR FINANCIAL DECISIONS </a></span> </div> <ul class="sc-nav-drop__col-list"> <li class="sc-nav-drop__col-item"> <div class="sc-nav-drop__col-text"> <a title="CUSTOMER INVESTMENT PROFILE" class="sc-nav-drop__link sc-nav-drop__link-indent" href="https://av.sc.com/ae/content/docs/ae-cips-quest-orignal.pdf"> CUSTOMER INVESTMENT PROFILE </a> </div> </li> <li class="sc-nav-drop__col-item"> <div class="sc-nav-drop__col-text"> <a title="MARKET VIEWS ON THE GO" class="sc-nav-drop__link sc-nav-drop__link-indent" href="https://www.sc.com/ae/market-outlook/?intcid=web&lang=en&ctry=AE&seg=GWM&channel=PLRB"> MARKET VIEWS ON THE GO </a> </div> </li> <li class="sc-nav-drop__col-item"> <div class="sc-nav-drop__col-text"> <a title="WEALTH INSIGHTS" class="sc-nav-drop__link sc-nav-drop__link-indent" href="/ae/wealth-insights/"> WEALTH INSIGHTS </a> </div> </li> <li class="sc-nav-drop__col-item"> <div class="sc-nav-drop__col-text"> <a title="WEALTH INSIGHTS" class="sc-nav-drop__link sc-nav-drop__link-indent" href="/ae/investment/funds/"> INTERACTIVE FUNDS LIBRARY </a> </div> </li> <li class="sc-nav-drop__col-item"> <div class="sc-nav-drop__col-text"> <a title="WEALTH SELECT" class="sc-nav-drop__link sc-nav-drop__link-indent" href="/ae/investments/sc-wealth-select/"> WEALTH SELECT </a> </div> </li> </ul> </div>     <div class="sc-nav-drop__col sc-nav-drop__col-promo"> <a title="Online Equity Trading" href="/ae/investments/signature-cio-funds/"> <div class="sc-nav-drop__promo-box"> <img src="https://av.sc.com/ae/content/images/ae-signature-cio-fund-masthead-mobile.jpg" alt="Signature CIO Funds" loading="lazy" width="290" height="150" /> <div class="sc-nav-drop__promo-text"> <p class="sc-nav-drop__promo-title"> Signature CIO Funds </p> <p class="sc-nav-drop__promo-desc"> Foundational Portfolios to navigate safely through market uncertainty. </p> </div> </div> </a> </div>   <div class="sc-nav-drop__view-all"> <a href="/ae/investments/" class="sc-nav-drop__btn"> View All Investments </a> </div> </div> </div> </div> </div> </div> </li>  <li class="sc-nav__item sc-nav__item--has-meganav"> <button class="sc-nav__btn sc-nav__menu">Insure</button> <div class="sc-nav__mgnv-wrapper"> <div class="sc-nav-drop"> <button class="sc-nav__btn sc-nav-drop__back sc-nav__back only-mobile"> Back </button> <div class="sc-nav-drop__content"> <div class="sc-nav-drop__wrapper sc-nav__container"> <div class="sc-nav-drop__col-wrapper"> <div class="sc-nav-drop__col"> <div class="sc-nav-drop__col-label"> <span><a title="Protection Solutions" href="/ae/insurance/protection-solutions/">PROTECTION SOLUTIONS</a> </span> </div> <ul class="sc-nav-drop__col-list"> <li class="sc-nav-drop__col-item"> <a title="Global Choice" href="/ae/insurance/savings-solutions/global-choice/"> <div class="sc-nav-drop__col-text"> <p class="sc-nav-drop__link">Global Choice</p> <p class="sc-nav-drop__desc"> Reach your financial goals in an affordable and regular manner </p> </div> </a> </li> <li class="sc-nav-drop__col-item"> <a title="Wealth Accumulation Plan" href="/ae/insurance/savings-solutions/wealth-accumulation-plan/"> <div class="sc-nav-drop__col-text"> <p class="sc-nav-drop__link"> Wealth Accumulation Plan </p> <p class="sc-nav-drop__desc"> Our flexible plan for growing your wealth </p> </div> </a> </li> <li class="sc-nav-drop__col-item"> <a title="CALCULATORS" href="/ae/priority/education-calculator/"> <div class="sc-nav-drop__col-text"> <p class="sc-nav-drop__link">CALCULATORS</p> <p class="sc-nav-drop__desc"> Education Calculator </p> </div> </a> </li> </ul> </div> <div class="sc-nav-drop__col sc-nav-drop__col--no-left-border"> <span class="sc-nav-drop__col-spacing"></span> <ul class="sc-nav-drop__col-list">  <li class="sc-nav-drop__col-item"> <a title="FUTURA" href="/ae/insurance/protection-solutions/futura/"> <div class="sc-nav-drop__col-text"> <p class="sc-nav-drop__link">FUTURA</p> <p class="sc-nav-drop__desc"> Our flexible, lifetime protection plan </p> </div> </a> </li> <li class="sc-nav-drop__col-item"> <a title="International Term Assurance" href="/ae/insurance/protection-solutions/international-term-assurance/"> <div class="sc-nav-drop__col-text"> <p class="sc-nav-drop__link"> International Term Assurance </p> <p class="sc-nav-drop__desc"> Our portable, level-term protection plan </p> </div> </a> </li> <li class="sc-nav-drop__col-item"> <a title="International Term Assurance" href="/ae/insurance/protection-solutions/international-decreasing-term-assurance/"> <div class="sc-nav-drop__col-text"> <p class="sc-nav-drop__link"> International Decreasing Term Assurance </p> <p class="sc-nav-drop__desc"> Our portable, decreasing level-term protection plan </p> </div> </a> </li> </ul> </div> <div class="sc-nav-drop__col"> <div class="sc-nav-drop__col-label"> <span><a title="Digital Insurance Solutions" href="/ae/insurance/">DIGITAL INSURANCE SOLUTIONS</a> </span> </div> <ul class="sc-nav-drop__col-list">  <li class="sc-nav-drop__col-item"> <a title="Motor Insurance" href="/ae/insurance/protection-solutions/motor-insure/"> <div class="sc-nav-drop__col-text"> <p class="sc-nav-drop__link">Motor Insurance</p> <p class="sc-nav-drop__desc"> Comprehensive motor insurance for your car </p> </div> </a> </li> <li class="sc-nav-drop__col-item"> <a title="Home Insurance" href="/ae/insurance/protection-solutions/home-insurance/"> <div class="sc-nav-drop__col-text"> <p class="sc-nav-drop__link">Home Insurance</p> <p class="sc-nav-drop__desc"> Protect your assets from the unexpected </p> </div> </a> </li> <li class="sc-nav-drop__col-item"> <a title="Travel Insurance" href="/ae/insurance/protection-solutions/travel-insurance/"> <div class="sc-nav-drop__col-text"> <p class="sc-nav-drop__link">Travel Insurance</p> <p class="sc-nav-drop__desc"> Enjoy stress free holidays </p> </div> </a> </li> </ul> </div>  <div class="sc-nav-drop__col sc-nav-drop__col-promo"> <a title="INTERNATIONAL TERM ASSURANCE " href="/ae/insurance/protection-solutions/international-term-assurance/"> <div class="sc-nav-drop__promo-box"> <img src="https://av.sc.com/ae/content/images/international.png" alt="Global Choice" loading="lazy" width="290" height="150" /> <div class="sc-nav-drop__promo-text"> <p class="sc-nav-drop__promo-title"> International Term Assurance </p> <p class="sc-nav-drop__promo-desc"> Our portable, level-term protection plan </p> </div> </div> </a> </div>  <div class="sc-nav-drop__view-all"> <a href="/ae/insurance/" class="sc-nav-drop__btn"> View All Insurance </a> </div> </div> </div> </div> </div> </div> </li>  <li class="sc-nav__item sc-nav__item--has-meganav"> <button class="sc-nav__btn sc-nav__menu">Help & Services</button> <div class="sc-nav__mgnv-wrapper"> <div class="sc-nav-drop"> <button class="sc-nav__btn sc-nav-drop__back sc-nav__back only-mobile"> Back </button> <div class="sc-nav-drop__content"> <div class="sc-nav-drop__wrapper sc-nav__container"> <div class="sc-nav-drop__col-wrapper"> <div class="sc-nav-drop__col"> <div class="sc-nav-drop__col-label"> <span><a title="Problems? Visit our help centre" href="/ae/help-centre/">Problems? Visit our help centre</a> </span> </div> <ul class="sc-nav-drop__col-list"> <li class="sc-nav-drop__col-item"> <div class="sc-nav-drop__col-text"> <a title="Locate Us" class="sc-nav-drop__link sc-nav-drop__link-indent" href="/ae/atm-branch-locator/"> Locate Us <svg class="icon-right-arrow" width="4" height="6" xmlns="http://www.w3.org/2000/svg" viewBox="-12 12.9 4.6 7.1"> <style> .st0 { fill: #c0c0c0; } </style> <g> <path class="st0" d="M-12 18.9l2.5-2.5L-12 14l1.1-1.1 3.5 3.5-3.5 3.5z"> </path> </g> </svg> </a> </div> </li>  <li class="sc-nav-drop__col-item"> <div class="sc-nav-drop__col-text"> <a title="FAQs" class="sc-nav-drop__link sc-nav-drop__link-indent" href="/ae/help-centre/faqs-ways-to-bank/"> FAQs <svg class="icon-right-arrow" width="4" height="6" xmlns="http://www.w3.org/2000/svg" viewBox="-12 12.9 4.6 7.1"> <style> .st0 { fill: #c0c0c0; } </style> <g> <path class="st0" d="M-12 18.9l2.5-2.5L-12 14l1.1-1.1 3.5 3.5-3.5 3.5z"> </path> </g> </svg> </a> </div> </li> <li class="sc-nav-drop__col-item"> <div class="sc-nav-drop__col-text"> <a title="Forms and Downloads" class="sc-nav-drop__link sc-nav-drop__link-indent" href="/ae/help-centre/downloads/"> Forms and Downloads <svg class="icon-right-arrow" width="4" height="6" xmlns="http://www.w3.org/2000/svg" viewBox="-12 12.9 4.6 7.1"> <style> .st0 { fill: #c0c0c0; } </style> <g> <path class="st0" d="M-12 18.9l2.5-2.5L-12 14l1.1-1.1 3.5 3.5-3.5 3.5z"> </path> </g> </svg> </a> </div> </li> <li class="sc-nav-drop__col-item"> <div class="sc-nav-drop__col-text"> <a title="Fraud Guard" class="sc-nav-drop__link sc-nav-drop__link-indent" href="/ae/bank-with-us/fraudguard/"> Fraud Guard <svg class="icon-right-arrow" width="4" height="6" xmlns="http://www.w3.org/2000/svg" viewBox="-12 12.9 4.6 7.1"> <style> .st0 { fill: #c0c0c0; } </style> <g> <path class="st0" d="M-12 18.9l2.5-2.5L-12 14l1.1-1.1 3.5 3.5-3.5 3.5z"> </path> </g> </svg> </a> </div> </li> <li class="sc-nav-drop__col-item"> <div class="sc-nav-drop__col-text"> <a title="Maintenance Notification" class="sc-nav-drop__link sc-nav-drop__link-indent" href="/ae/help-centre/maintenance-notification/"> Maintenance Notification <svg class="icon-right-arrow" width="4" height="6" xmlns="http://www.w3.org/2000/svg" viewBox="-12 12.9 4.6 7.1"> <style> .st0 { fill: #c0c0c0; } </style> <g> <path class="st0" d="M-12 18.9l2.5-2.5L-12 14l1.1-1.1 3.5 3.5-3.5 3.5z"> </path> </g> </svg> </a> </div> </li> <li class="sc-nav-drop__col-item"> <div class="sc-nav-drop__col-text"> <a title="Complaints Resolution Process" class="sc-nav-drop__link sc-nav-drop__link-indent" href="/ae/customer-service/"> Complaints Resolution Process <svg class="icon-right-arrow" width="4" height="6" xmlns="http://www.w3.org/2000/svg" viewBox="-12 12.9 4.6 7.1"> <style> .st0 { fill: #c0c0c0; } </style> <g> <path class="st0" d="M-12 18.9l2.5-2.5L-12 14l1.1-1.1 3.5 3.5-3.5 3.5z"> </path> </g> </svg> </a> </div> </li> <li class="sc-nav-drop__col-item"> <div class="sc-nav-drop__col-text"> <a title="Basics of Banking" class="sc-nav-drop__link sc-nav-drop__link-indent" href="/ae/stories/basics-of-banking/"> Basics of Banking <svg class="icon-right-arrow" width="4" height="6" xmlns="http://www.w3.org/2000/svg" viewBox="-12 12.9 4.6 7.1"> <style> .st0 { fill: #c0c0c0; } </style> <g> <path class="st0" d="M-12 18.9l2.5-2.5L-12 14l1.1-1.1 3.5 3.5-3.5 3.5z"> </path> </g> </svg> </a> </div> </li>  </ul> </div> <div class="sc-nav-drop__col"> <div class="sc-nav-drop__col-label"></div> <ul class="sc-nav-drop__col-list"> <li class="sc-nav-drop__col-item"> <a title="Digital Banking" href="/ae/digital-banking/"> <div class="sc-nav-drop__col-text"> <svg style="height: 43px; max-width: 60px" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 122.5 100"> <title> icon-sc-convenient banking 24h phone assistance </title> <g data-name="Layer 2"> <g> <path d="M117.9 99.79H89.1a4.61 4.61 0 01-4.6-4.6v-50.4a4.61 4.61 0 014.6-4.6h28.8a4.61 4.61 0 014.6 4.6v50.4a4.61 4.61 0 01-4.6 4.6zm-28.8-57.6a2.6 2.6 0 00-2.6 2.6v50.4a2.6 2.6 0 002.6 2.6h28.8a2.6 2.6 0 002.6-2.6v-50.4a2.6 2.6 0 00-2.6-2.6z" fill="#d4d4d4" id="Rounded_Rectangle_15" data-name="Rounded Rectangle 15"></path> <path d="M102.5 94.74a3.15 3.15 0 113.15-3.15 3.15 3.15 0 01-3.15 3.15zm0-4.8a1.65 1.65 0 101.65 1.65 1.65 1.65 0 00-1.65-1.65z" fill="#d4d4d4" id="Ellipse_1" data-name="Ellipse 1"></path> <path d="M115 85H91a.5.5 0 010-1h24a.5.5 0 010 1zM107 48h-8a.5.5 0 010-1h8a.5.5 0 010 1z" fill="#d4d4d4"></path> <path d="M81 81H7.9A7.6 7.6 0 010 73.19V8.79C0 4.54 3.17 0 7.9 0h96.4c4.76 0 7.7 4.56 7.7 8.79V36h-2V8.79c0-3.27-2.18-6.79-5.7-6.79H7.9C4.37 2 2 5.51 2 8.79v64.4A5.6 5.6 0 007.9 79H81z" fill="#d4d4d4" id="Rounded_Rectangle_14" data-name="Rounded Rectangle 14"></path> <path d="M56.7 15.94a3.15 3.15 0 113.15-3.15 3.15 3.15 0 01-3.15 3.15zm0-4.8a1.65 1.65 0 101.65 1.65 1.65 1.65 0 00-1.65-1.65z" fill="#d4d4d4" data-name="Ellipse 1 copy"> </path> <path d="M7.5 70.5A.5.5 0 017 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63.48v.58a2.89 2.89 0 01.93-.87 2.56 2.56 0 011.3-.31 2.42 2.42 0 011.72.58 2.2 2.2 0 01.62 1.68V70h-1.19v-4.71a1.31 1.31 0 00-.41-1 1.63 1.63 0 00-1.12-.36 2 2 0 00-.74.14 1.67 1.67 0 00-1 1 2.09 2.09 0 00-.14.76V70h-1.2v-9.63h1.2v2.52q.04.26.03.59z" fill="#d4d4d4"></path> </g> </g> </svg> <span class="sc-nav-drop__col-label"></span> <p class="sc-nav-drop__promo-title"> <strong>Digital Banking</strong> </p> <p class="sc-nav-drop__desc"> Explore everything that can be done digitally in just minutes </p> <p class="sc-nav-drop__link">Know More</p> </div> </a> </li> </ul> </div> <div class="sc-nav-drop__col"> <div class="sc-nav-drop__col-label"></div> <ul class="sc-nav-drop__col-list"> <li class="sc-nav-drop__col-item"> <a title="Get in touch with us" href="/ae/contact-us/"> <div class="sc-nav-drop__col-text"> <svg style="height: 43px; max-width: 60px" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 82 102"> <title>icon-sc-call assistance</title> <g data-name="Layer 2"> <g> <path d="M1 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title="Online Banking Login" class="sc-nav__login-lists-box"> <div class="sc-nav__login-lists-box-icon"> <svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M3.75 15.75H19.875C19.875 17.4069 18.5319 18.75 16.875 18.75H6.75C5.09315 18.75 3.75 17.4069 3.75 15.75Z" fill="#38D200"></path> <path d="M11.1941 5.25H7.5C6.25736 5.25 5.25 6.25736 5.25 7.5V14.25H18.75V10.3357L17.8036 11.2443C16.9072 12.1049 15.4828 12.0758 14.6223 11.1794C14.1522 10.6897 13.9475 10.0424 14.0048 9.41559L12.375 9.41558C11.1324 9.41558 10.125 8.40822 10.125 7.16558C10.125 6.35604 10.5525 5.64636 11.1941 5.25Z" fill="#0F7AED"></path> <path fillRule="evenodd" clipRule="evenodd" d="M15.0749 3.7045C15.5142 3.26517 16.2266 3.26517 16.6659 3.7045L20.113 7.15165L19.2238 8.0409L16.6659 10.5988C16.2266 11.0381 15.5142 11.0381 15.0749 10.5988C14.6356 10.1595 14.6356 9.44715 15.0749 9.00781L15.7123 8.3704L12.375 8.3704C11.7537 8.3704 11.25 7.86672 11.25 7.2454C11.25 6.62408 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within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail. </p> <p> Thank you for visiting <a href="https://www.sc.com/ae" title="Standard Chartered UAE">www.sc.com/ae</a> </p> </div> <a class=" c-button-small is-theme-solid-green-hollow-white is-external-link-button " href="#" target="_blank" data-send="close-modal" title="Proceed" data-context="Modal Disclaimer External Links Proceed Button">Proceed to third party website</a> </div> </div> </div> </div> <style> .sc-nav-drop__link{text-transform:uppercase !important;} </style> <div class="m-persistent-bar with-cta-btn"> <div class="content-wrapper"> <div class="container"> <div class="content"> <p>Islamic Savings Account</p> <div class="cta-wrapper"> <a title="Apply Now" href="https://www.sc.com/ae/save/xtrasaver/apply/" target="_blank" data-context="Product Masthead CTA" class="c-button is-theme-solid-green-hollow-white" style="padding: 5px 20px;"> <span class="only-desktop"> Apply Now </span> <span class="only-mobile"> Apply Now </span> </a> </div> </div> </div> </div> </div>  <script type="application/ld+json">{"@context":"http:\/\/schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https:\/\/www.sc.com\/ae\/deposits\/","name":"Deposits"}},{"@type":"ListItem","position":2,"item":{"@id":"https:\/\/www.sc.com\/ae\/deposits\/saadiq-xtrasaver\/","name":"Saadiq XtraSaver"}}]}</script> <div class="m-hero is-left-align" id="sc-lb-module-product-masthead" data-post-status="publish-status" data-post-status-label="Published"> <div class="background"> <picture> <source srcset="https://av.sc.com/ae/content/images/ae-xtra-saver-desktop.jpg" media="(min-width: 768px)"> <source srcset="https://av.sc.com/ae/content/images/ae-xtra-saver-mobile.jpg" media="(max-width: 767px)"> <img src="https://av.sc.com/ae/content/images/ae-xtra-saver-desktop.jpg" class="img-bg" loading="lazy" alt="Person, Human, Sport" /> </picture> </div> <div class="content"> <div class="outer-wrapper"> <div class="hero-header"> <div class="wrapper"> <ul class="breadcrumb">  <li><a property="item" typeof="WebPage" title="Go to Deposits." href="https://www.sc.com/ae/deposits/" class="post post-page"><span property="name">Deposits</span></a></li> <li><span property="name" class="post post-page current">Saadiq XtraSaver</span></li> </ul> <h1 class="title"> Islamic Savings Account </h1> <ul class="buttons"> <li > <a href="https://www.sc.com/ae/save/xtrasaver/apply/" title="Apply Now" data-context="Product Masthead CTA" class="c-button is-theme-solid-green-hollow-white" target="_blank" > <span class="only-desktop">Apply Now</span> <span class="only-mobile">Apply Now</span> </a> </li> </ul> </div> </div> </div> </div> </div> <div class="m-centered-text" id="sc-lb-module-product-description" data-post-status="publish-status" data-post-status-label="Published"> <div class="content"> <h2 class="title">Saadiq XtraSaver Account</h2> <p class="message">Look up to a high profit rate of up to 2.00% p.a.* with our Saadiq XtraSaver account. It can help you build savings, in a Shariah- compliant account.</p> </div> </div> <div class="m-benefits" id="sc-lb-module-benefit-list" data-post-status="publish-status" data-post-status-label="Published"> <div class="content-wrapper"> <ul class="grid"> <li class="item" id="sc-lb-module-benefit-list-item-0"> <div class="cover"> <div class="background"> <picture>  <source srcset="https://av.sc.com/ae/content/images/ae-xtra-saver-new-rates-pintiles-400x400px-saadiq.jpg" media="(min-width: 1023px)"> <source srcset="https://av.sc.com/ae/content/images/ae-xtra-saver-new-rates-pintiles-400x400px-saadiq-300x300.jpg" media="(min-width: 0px)">  <img class="img-bg" src="https://av.sc.com/ae/content/images/ae-xtra-saver-new-rates-pintiles-400x400px-saadiq.jpg" alt="Person, Human, Sport" loading="lazy" /> </picture> </div> </div> <div class="content"> <div class="content-item-wrapper"> <h2 class="title"> Earn attractive profits, start with just AED 3,000 </h2> <div class="description"> Earn 2.00% p.a. profit rate*, calculated on your average monthly balance. Open an account with as little as AED 3,000. </div>  </div> </div> </li> <li class="item" id="sc-lb-module-benefit-list-item-1"> <div class="cover"> <div class="background"> <picture>  <source srcset="https://av.sc.com/ae/content/images/ae-saadiq-xtrasaver-debit-card-pintiles-400x400-1.jpg" media="(min-width: 1023px)"> <source srcset="https://av.sc.com/ae/content/images/ae-saadiq-xtrasaver-debit-card-pintiles-400x400-1-300x300.jpg" media="(min-width: 0px)">  <img class="img-bg" src="https://av.sc.com/ae/content/images/ae-saadiq-xtrasaver-debit-card-pintiles-400x400-1.jpg" alt="Dynamite, Bomb, Weapon" loading="lazy" /> </picture> </div> </div> <div class="content"> <div class="content-item-wrapper"> <h2 class="title"> Internationally recognised debit card </h2> <div class="description"> Accepted all over the world. Enjoy 24/7 access to your funds for ATM withdrawals, online shopping or at merchant outlets. (Not available with USD account) * </div>  </div> </div> </li> <li class="item" id="sc-lb-module-benefit-list-item-2"> <div class="cover"> <div class="background"> <picture>  <source srcset="https://av.sc.com/ae/content/images/ae-saadiq-xtrasaver-shariah-compliant-pintiles-400x400-1.jpg" media="(min-width: 1023px)"> <source srcset="https://av.sc.com/ae/content/images/ae-saadiq-xtrasaver-shariah-compliant-pintiles-400x400-1-300x300.jpg" media="(min-width: 0px)">  <img class="img-bg" src="https://av.sc.com/ae/content/images/ae-saadiq-xtrasaver-shariah-compliant-pintiles-400x400-1.jpg" alt="Dome, Architecture, Building" loading="lazy" /> </picture> </div> </div> <div class="content"> <div class="content-item-wrapper"> <h2 class="title"> Shariah-compliant </h2> <div class="description"> This product is approved by an independent Shariah Supervisory Committee. This product falls under the concept of “Mudaraba”. </div>  </div> </div> </li> <li class="item" id="sc-lb-module-benefit-list-item-3"> <div class="cover"> <div class="background"> <picture>  <source srcset="https://av.sc.com/ae/content/images/ae-saadiq-xtrasaver-easy-account-access-pintiles-400x400-1.jpg" media="(min-width: 1023px)"> <source srcset="https://av.sc.com/ae/content/images/ae-saadiq-xtrasaver-easy-account-access-pintiles-400x400-1-300x300.jpg" media="(min-width: 0px)">  <img class="img-bg" src="https://av.sc.com/ae/content/images/ae-saadiq-xtrasaver-easy-account-access-pintiles-400x400-1.jpg" alt="Green, Symbol, Text" loading="lazy" /> </picture> </div> </div> <div class="content"> <div class="content-item-wrapper"> <h2 class="title"> Easy account access </h2> <div class="description"> Withdraw funds whenever you want** with convenient access to your account via phone banking, online banking and the SC Mobile app. </div>  </div> </div> </li> </ul> </div> </div> <div class="m-tables" id="sc-lb-module-fee-and-rate" data-post-status="publish-status" data-post-status-label="Published"> <div class="content-wrapper"> <div class="header"> <h3 class="title">Details</h3> </div> <div class="content" id="table-content-20666-1"> <div class="sub-content"> <div class="sub-title">Example Savings Table 1*</div> </div> <div class="table-wrapper"> <table> <thead> <tr> <th> <div class="th-wrapper"></div> </th> <th> <div class="th-wrapper"> MONTH 1</div> </th> <th> <div class="th-wrapper"> MONTH 2</div> </th> <th> <div class="th-wrapper"> MONTH 3</div> </th> <th> <div class="th-wrapper"> MONTH 4</div> </th> <th> <div class="th-wrapper"> MONTH 5</div> </th> <th> <div class="th-wrapper"> MONTH 6</div> </th> </tr> </thead> <tbody> <tr> <td>Monthly Avg. Deposit Balance (AED)</td> <td>100,000</td> <td>150,000</td> <td>185,000</td> <td>275,000</td> <td>380,000</td> <td>382,000</td> </tr> <tr> <td> Profit Rate (p.a.)</td> <td>0.25</td> <td>0.25</td> <td>0.50</td> <td>1.00</td> <td>2.00</td> <td>2.00</td> </tr> <tr> <td> Monthly Profit (AED)</td> <td>20.83</td> <td>31.25</td> <td>75.00</td> <td>229.17</td> <td>633.33</td> <td>636.67</td> </tr> <tr> <td> Total Avg. Balance (AED)</td> <td>100,021</td> <td>150,031</td> <td>180,000</td> <td>275,229</td> <td>380,633</td> <td>382,637</td> </tr> <tr> <td colspan="7">Only 3 debit transactions are allowed per month. Should there be more than 3 debit transactions in a month, the Hiba earned will be 0% for that month and only Mudarabah profit will be paid.</td> </tr> </tbody> </table> </div> </div> <div class="content" id="table-content-20666-2"> <div class="sub-content"> <div class="description"><p>Profit is accrued based on your average balance and paid monthly<sup>1</sup> with no minimum balance Requirement<sup>2</sup></p> </div> </div> </div> </div> </div> <div class="m-tables" id="sc-lb-module-fee-and-rate-1" data-post-status="publish-status" data-post-status-label="Published"> <div class="content-wrapper"> <div class="header"> <h3 class="title">Key Charges</h3> </div> <div class="content" id="table-content-20668-1"> <div class="sub-content"> <div class="description"><p>Fees and charges are subject to change. All fees and charges listed are inclusive of 5% Value Added Tax (VAT), where applicable.</p> </div> </div> <div class="table-wrapper"> <table> <thead> <tr> <th> <div class="th-wrapper"><strong>Service </strong></div> </th> <th> <div class="th-wrapper"><strong>Charges</strong></div> </th> </tr> </thead> <tbody> <tr> <td>Minimum initial deposit</td> <td>AED 3,000 (or equivalent in foreign currency)</td> </tr> <tr> <td>Minimum average monthly balance</td> <td>AED 0</td> </tr> <tr> <td>Monthly service charge</td> <td>Nil</td> </tr> <tr> <td>Fall-below fee</td> <td>Nil</td> </tr> </tbody> </table> <a title="Please click here for more details on all other applicable fees and charges." data-context="Fees and Rates table additional info link" href="https://www.sc.com/ae/help-centre/service-charges/" class="footer" target="_blank"> <span class="additional-info">Please click here for more details on all other applicable fees and charges.</span> <span class="icon icon-arrow-small" data-grunticon-embed></span> </a> </div> </div> </div> </div> <div class="m-eligibility-documents" id="sc-lb-module-eligibility-document" data-post-status="publish-status" data-post-status-label="Published"> <div class="content-wrapper"> <div class="header"> <h3 class="title">Eligibility & Documents</h3> </div> <div class="content-group"> <div class="content"> <h4 class="title">Eligibility</h4> <ul class="list"> <li class="item" id="sc-lb-module-eligibility-document-eligibility-item-20677-1"> <div class="item-title"> <span class="c-icon icon-tick" data-grunticon-embed></span> <div class="text">Nationality</div> </div> <div class="item-info"> <p>UAE Nationals, Residents, and Non-Resident individuals</p> </div> </li> <li class="item" id="sc-lb-module-eligibility-document-eligibility-item-20677-2"> <div class="item-title"> <span class="c-icon icon-tick" data-grunticon-embed></span> <div class="text">Age</div> </div> <div class="item-info"> <p>Minimum 18 years old</p> </div> </li> </ul> </div> <div class="content"> <h4 class="title">Documents</h4> <ul class="list"> <li class="item" id="sc-lb-module-eligibility-document-eligibility-document-20677-1"> <div class="item-title"> <span class="c-icon icon-tick" data-grunticon-embed></span> <div class="text">For Residents</div> </div> <div class="item-info"> <p>Passport, Emirates ID, and Resident Visa</p> </div> </li> <li class="item" id="sc-lb-module-eligibility-document-eligibility-document-20677-2"> <div class="item-title"> <span class="c-icon icon-tick" data-grunticon-embed></span> <div class="text">For Non Residents</div> </div> <div class="item-info"> <p>Passport, Bank Statements, and Address proof</p> </div> </li> </ul> </div> </div> </div> </div> <div class="m-terms-conditions is-theme-gray" id="sc-lb-module-term-and-condition" data-post-status="publish-status" data-post-status-label="Published"> <div class="content-wrapper"> <div class="header"> <h3 class="title">*Terms and conditions</h3> </div> <div class="content"> <ul class="list"> <li class="item"> <input id="sc-lb-module-term-and-condition-0" name="sc-lb-module-term-and-condition-accordion" type="checkbox" /> <label for="sc-lb-module-term-and-condition-0" class="item-wrapper"> <span class="question"> <span class="c-icon icon-tick" data-grunticon-embed></span> <span class="question-text">Saadiq XtraSaver Terms & Conditions Part I</span> <span class="c-icon icon-varrow" data-grunticon-embed></span> </span> </label> <div class="answer"><ul> <li>The Saadiq XtraSaver Account (the “Account”) is available in AED & USD denomination only. The opening of the Account will be limited to 1 account per currency. The Bank may pay an amount over and above the Mudarabah profit amount referred hereafter as “Hiba”. Only Fresh Funds may be deposited into the Account. “Fresh Funds” are defined as funds brought in from outside Standard Chartered Bank UAE (the “Bank”) within 90 days of opening the Account.</li> <li>Profit Details:</li> </ul> <table style="width: 1000px"> <tbody> <tr> <td style="width: 300px"><strong>AED Rates on Average Balance*</strong></td> <td style="width: 250px"><strong>PROFIT RATE (P.A.) AED MUDARABAH/ HIBA Month 1</strong></td> <td style="width: 250px"><strong>PROFIT RATE (P.A.) AED MUDARABAH/ HIBA Month 2</strong></td> <td style="width: 250px"><strong>PROFIT RATE (P.A.) AED MUDARABAH/ HIBA Month 3</strong></td> </tr> <tr> <td style="width: 300px">0 to 180,000</td> <td style="width: 126.49px">0.25%</td> <td style="width: 250px">0.25%</td> <td style="width: 250px">0.50%</td> </tr> <tr> <td style="width: 300px">180,001 to 365,000</td> <td style="width: 126.49px">0.25%</td> <td style="width: 250px">0.25%</td> <td style="width: 250px">1.00%</td> </tr> <tr> <td style="width: 300px">365,001 and above</td> <td style="width: 126.49px">0.25%</td> <td style="width: 250px">0.25%</td> <td style="width: 250px">2.00%</td> </tr> </tbody> </table> <table style="width: 1000px"> <tbody> <tr> <td style="width: 300px"><strong>USD Rates on Average Balance*</strong></td> <td style="width: 250px"><strong>USD RATE (P.A.) MONTH 1</strong></td> <td style="width: 250px"><strong>USD RATE (P.A.) MONTH 2</strong></td> <td style="width: 250px"><strong>USD RATE (P.A.) MONTH 3</strong></td> </tr> <tr> <td style="width: 300px">0 to 50,000</td> <td style="width: 250px">0.25%</td> <td style="width: 250px">0.25%</td> <td style="width: 250px">0.50%</td> </tr> <tr> <td style="width: 300px">50,001 to 99,999</td> <td style="width: 250px">0.25%</td> <td style="width: 250px">0.25%</td> <td style="width: 250px">1.00%</td> </tr> <tr> <td style="width: 300px">100,000 and above</td> <td style="width: 250px">0.25%</td> <td style="width: 250px">0.25%</td> <td style="width: 250px">1.50%</td> </tr> </tbody> </table></div> </li> <li class="item"> <input id="sc-lb-module-term-and-condition-1" name="sc-lb-module-term-and-condition-accordion" type="checkbox" /> <label for="sc-lb-module-term-and-condition-1" class="item-wrapper"> <span class="question"> <span class="c-icon icon-tick" data-grunticon-embed></span> <span class="question-text">Saadiq XtraSaver Terms & Conditions Part II</span> <span class="c-icon icon-varrow" data-grunticon-embed></span> </span> </label> <div class="answer"><ul> <li>All Transactions will be considered completed on the Value Date (the date of the transaction as determined by our Banking systems). Transactions performed on public holidays will reflect on the next Bank working day.</li> <li>If the Account is closed before the end of the Calendar Month, the Bank’s client (hereinafter referred to as the “Client”) shall only earn the profit as per the terms and conditions of Saadiq Savings account.</li> <li>*The above example in Table 1 depicts profit rate applicable on AED currency. The Hiba proportion is subject to change at any time and shall be applicable as per product/ client terms. Only 3 debit transactions are allowed per month. Should there be more than 3 debit transactions in a month, the Hiba earned will be 0% for that month and only Mudarabah profit will be paid. Following which the profit rate/Hiba cycle will follow the rate grid illustrated above. The Bank may only pay Hiba if the Mudarabah pool earns a profit, otherwise no Hiba amount is to be paid to the Client. In case of losses under Mudarabah, the Hiba will not be extended. The Bank will offer Hiba at its sole discretion and not under any obligation.</li> <li>Debit transactions include all withdrawals from the Account, including, but not limited to, the Bank’s fees and charges on the transaction initiated by the Client, standing orders, financing recoveries, retail purchases and ATM withdrawals. The debit transactions in which separate Bank fees and charges are levied include the Bank’s UAE ATM withdrawals, retail purchases, 3D Secure transactions and utility bill payments. This also includes the instance where a Client initiated debit transaction is subsequently reversed and credited back to the Account.</li> <li><sup>1</sup>Mudarabah profit shall be calculated based on the monthly average balance in the Account and shall be paid on the last business day of each Calendar Month.</li> <li><sup>2</sup>If you hold other accounts under the same master number as the Account, the minimum balance requirements of AED 3,000 (or foreign currency equivalent) (the “Minimum Balance Requirements”) are applicable to those accounts. However, any balances held in the Account will apply toward satisfaction of the Minimum Balance Requirements for those accounts.</li> <li>These Saadiq XtraSaver Terms and Conditions should be read in conjunction with Saadiq Accounts and Client Terms, as amended from time to time.</li> <li>For further details on fees and charges, please refer to our Saadiq Service and Price Guide.</li> </ul></div> </li> <li class="item link"> <div class="item-wrapper"> <a title="Please click here for the Arabic version of the terms and conditions" data-context="Terms and conditions url link" href="https://av.sc.com/ae/content/docs/ae-saadiq-xtrasaver-account-declaration-form-july.pdf" target="_blank"> <span class="question"> <span class="c-icon icon-tick" data-grunticon-embed></span> <span class="question-text">Please click here for the Arabic version of the terms and conditions</span> <span class="c-icon icon-varrow" data-grunticon-embed></span> </span> </a> </div> </li> </ul> </div> </div> </div> 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