Features and Benefits

  • Shariah-compliant diaspora investment accounts based on the principles of Mudaraba contract
  • Flexible investment options (restricted or unrestricted)
  • Ideal for personal and business investments
  • Tiered profit sharing quarterly based lowest monthly balance
  • The higher the balance, the higher the customer profit ratio
  • Detailed account statement every three months on request
  • Option of a Nominee/Wakeel Resident Joint Signatory (e.g. close relative at home)
  • Conveniently located branches
  • Access to online banking, mobile banking and SMS banking
  • Access to free E-statement
  • Access to Amal personal and business financing
  • Access to dedicated and professional customer care services
  • No annual account maintenance fee if the required minimum balance is maintained


  • Living and working abroad
  • Minimum account opening and operating balance:
    • Business Unrestricted Investment Account $20,000
    • Business Restricted Investment Account $40,000
    • Personal Unrestricted Investment Account $5,000
    • Personal Restricted Investment Account $10,000
  • Copy of National/State ID/Passport
  • Passport size photos
  • Proof of residence
  • Completed and signed Application Form


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