Abu Dhabi Islamic Bank – Egypt offers the Al Ghena Plus current account (GCP), which pays customers a tiered annual profit rate of up to 15%, paid monthly, along with a range of banking benefits that give flexibility in managing money and carrying out everyday transactions, in line with the rules and principles of Islamic Sharia.

Al Ghena Plus Current Account Details from Abu Dhabi Islamic Bank

  • Account name: Al Ghena Plus current account (GCP).

  • Account type: profit-bearing current account.

  • Currency: Egyptian pound (EGP).

  • Profit rate: 4.5% to 15% a year.

  • Payout frequency: monthly.

  • Minimum opening balance: EGP 250,000.

  • Balance tiers: from EGP 250,000 up to EGP 20 million and above.

  • Target segments: no specific segments.

Islamic

Al Ghina Current Plus -GCP

adib 4.0 Islamic
Interest rate (Tiered) 4.5% – 15%
Min. opening deposit EGP 250K
Monthly fee EGP 0
Details
Updated Saturday 31 October 2026 - 01:03 AM
Returns

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Balance & withdrawals

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Fees

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Features & requirements

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Our take 4.0
4.0 Banky rating

Pros

  • Compliant with the provisions of Islamic Sharia
  • Tiered competitive return: Offers projected monthly earnings that increase as the account balance rises.
  • Option to issue a checkbook and debit card: The current account offers flexibility for quick transactions, withdrawals, and daily dealings.
  • Digital Services: Easy account management via online banking and the smartphone app, along with access to an ATM network.

Cons

  • Opening the account and calculating the return requires a high minimum amount, typically starting at 250,000 pounds.
  • The return is typically calculated based on the lowest balance during the month, meaning that a withdrawal during the month may reduce the accrued return.
  • The return is projected, not fixed via a pre-determined Murabaha.

Our take

If you have a balance exceeding EGP 250,000 and require the flexibility of current account transactions (such as checks and withdrawals) alongside monthly, Sharia-compliant investment returns, this account is an excellent choice. However, if your balance is lower, or if you seek a higher return that is not tied to a minimum monthly balance requirement, it is better to consider other savings vehicles, such as certificates of deposit or *Sukuk*. This is a Sharia-compliant investment account managed under the *Mudaraba* principle; it combines the flexibility of a current account with the monthly returns of a savings account. It is ideal for individuals with medium-to-large capital who desire current account flexibility while benefiting from a rewarding, Sharia-compliant monthly return. Conversely, if your goal is to save smaller amounts or earn a daily return on every deposited pound, other options—such as the "365-Day Account," certificates, or *Sukuk*—might be more suitable.

A Sharia-compliant investment account managed under the *Mudaraba* principle, combining the flexibility of a current account with the monthly returns of a savings account.

User ratings

Al Ghena Plus Current Account Profit Tiers

Abu Dhabi Islamic Bank sets the profit rate on the account according to the customer's balance, as follows:

  • EGP 250,000 to less than EGP 500,000: 4.5%.

  • EGP 500,000 to less than EGP 1 million: 4.75%.

  • EGP 1 million to less than EGP 2 million: 6.5%.

  • EGP 2 million to less than EGP 5 million: 10.25%.

  • EGP 5 million to less than EGP 20 million: 12%.

  • EGP 20 million and above: 15%.

Al Ghena Plus Current Account Features

  • Sharia-compliant account.

  • Chequebook available.

  • Joint account option.

  • Available in several currencies.

  • Debit card for use at ATMs and points of sale.

  • Access to the bank's ATMs 24 hours a day, 7 days a week.

  • Fee-free cash withdrawals twice a month from other banks' ATMs in Egypt.

  • Banking services available through the bank's branch network across the country

Banky's View

ADIB Egypt's Al Ghena Plus current account is one of the banking options that lets customers earn a return on their balances while keeping the flexibility of a current account, especially as the profit is paid monthly and tiered by balance, reaching 15% a year for balances of EGP 20 million or more.

How much customers benefit depends on the amount deposited, as the profit rate rises in higher tiers. This makes the account suitable for customers who hold large balances and want a regular return alongside current-account features such as a chequebook, a debit card and the ability to carry out everyday banking transactions.