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Emirati Millionaire Savings

TouchPoints Enabled
Emirati Millionaire Savings<br>Account

The Emirati Millionaire Savings Account (EMSA) is a unique Shari’ah compliant savings account specially designed to meet the needs of Emiratis, their spouses and their children.

EMSA could make you a millionaire overnight to secure your family’s prosperity. There are attractive daily, monthly and grand prizes too.

Winners List

To Apply

If you are an ADCB customer, Click here

If you are not an ADCB customer, Click here

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  • EMSA list of Prizes and mechanism

    EMSA list of Prizes*

    • Grand prize
      EMSA offers a grand prize every six months of AED 1 million (the upcoming draw will take place in December 2019).
    • Monthly prize
      Every month you have a chance to win a monthly prize of AED 250,000.
    • Daily prize
      Every working day we will announce a winner of AED 10,000

    Simple criteria:

    • AED 5,000 minimum monthly average balance is required to be eligible for the prize draws
    • Every extra AED 1,000 you save over AED 5,000 gives you an additional chance to win.


    • Attractive profits paid quarterly
    • ADCB TouchPoints earned on account balances
    • Debit Card, SMS Banking, Phone Banking, Internet Banking and E-statements
    • ADCB Islamic Banking contributes AED 25 to charity for each account opened
  • Approved by Fatwa and Shari’ah Supervisory Board

    To view the Fatwa issued by the Shari’ah Board authenticating compliance of product structure and documentation please click here

    For more information or to apply call 600 56 2626 or visit any ADCB branch across the UAE.

  • TouchPoints

    TouchPoints is ADCB’s unique reward scheme, which gives you points for every ADCB product and service you 'touch'. TouchPoints can be exchanged for vouchers at some of the UAE’s most prestigious retailers or used to pay your utility bills or redeemed for Emirates Skywards Miles or Etihad Guest Miles. For more information on ADCB TouchPoints, visit

3 Simple Ways To Apply

Call - 600 56 2626
SMS - EMSA to 2626

Terms and conditions apply.

* The Draw of Emirati Millionaire Savings Account Prizes will be conducted on the 2nd week of each month and the winners will be announced as below:

  • AED 10,000 every working day.
  • AED 250,000 every month
  • 1 million every six months and the draw will be conducted on the 2nd week of June and December

For more information, Please call 600 56 2626 or visit any of the ADCB branches.

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