Al Ghina — Abu Dhabi Islamic Bank Egypt | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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Islamic

Al Ghina

Abu Dhabi Islamic Bank Egypt · Savings · Islamic · Egyptian Pound · 3.5 · Saturday 08 August 2026 - 03:39 PM

The "Al-Ghena " account is an excellent investment option if you have a capital of at least 250,000 EGP and are looking for an Islamic savings vehicle.

Interest rate (Tiered)
5% – 16.5%
Min. opening deposit
EGP 250K
Monthly fee
EGP 30

Returns

Interest type
Tiered
Base rate
5%
Max rate
16.5%
Payout
Multiple
Rate tiers
  1. EGP 250,000 – EGP 499,999 Daily
    3%
  2. EGP 250,000 – EGP 499,999 Compounded monthly
    5%
  3. EGP 500,000 – EGP 999,999 Daily
    3.25%
  4. EGP 500,000 – EGP 999,999 Compounded monthly
    5.25%
  5. EGP 1,000,000 – EGP 1,999,999 Daily
    5%
  6. EGP 1,000,000 – EGP 1,999,999 Compounded monthly
    7%
  7. EGP 2,000,000 – EGP 4,999,999 Daily
    8.75%
  8. EGP 2,000,000 – EGP 4,999,999 Compounded monthly
    10.75%
  9. EGP 5,000,000 – EGP 9,999,999 Compounded monthly
    12.5%
  10. EGP 5,000,000 – EGP 19,999,999 Daily
    10.5%
  11. ≥ EGP 10,000,000 Compounded monthly
    16.5%
  12. ≥ EGP 20,000,000 Daily
    13.5%

Balance & withdrawals

Min opening deposit
EGP 250,000
Min balance for interest
EGP 250,000
Max withdrawals/mo
30000
Overdraft allowed
No

Fees

Opening fee
EGP 125
Monthly fee
EGP 30
Quarterly fee
EGP 30
Below-minimum fee
EGP 125

Features & requirements

Debit card
Yes
Online banking
Yes
Mobile banking
Yes
Joint account
Yes
Minor account
No
For women
No
For pensioners
No

Do the maths

Al Ghina

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Results are estimates for guidance only and may differ from a bank's actual offer.

Our take 3.5

3.5 Banky rating

Pros

  • Sharia-compliant: The account is based on the "Islamic Mudaraba" model, whereby funds are invested and profits are distributed in accordance with Sharia principles.
  • Return Payout Frequency: Returns are paid out monthly, ensuring periodic liquidity and a continuous cash flow for the client.
  • Tier-based return calculation: Returns are calculated based on different balance tiers, granting higher rates of return to larger amounts.

Cons

  • High minimum balance for account opening and return calculation: Opening the account and calculating the return requires a minimum of EGP 250,000.
  • The return is calculated based on the lowest balance in the account during the month; consequently, any withdrawal made during the month reduces the return calculated for that month.
  • The return is expected rather than fixed; given adherence to Sharia principles (specifically *Mudaraba*), the rate of return is projected and subject to change based on actual investment results, rather than being a fixed interest rate.

Our take

The "Al-Ghina" account is an excellent investment option if you have a minimum capital of EGP 250,000 and are seeking an Islamic savings vehicle that offers a high monthly return, while providing greater flexibility in accessing your funds compared to certificates of deposit or fixed-term deposits. Investment Tip: To maximize your return, it is advisable to keep the funds in the account throughout the month and avoid withdrawals except in cases of absolute necessity, as the return is calculated based on the lowest balance maintained during the month.

The "Al-Ghena " account is an excellent investment option if you have a capital of at least 250,000 EGP and are looking for an Islamic savings vehicle.

Compare

Alternatives at a glance
Al Ghina Abu Dhabi Islamic Bank Egypt This one My Daily Account Kuwait Finance House Egypt Annual Saving Account Al Baraka Bank Egypt Free Investment Faisal Islamic Bank-Egypt
Interest rate (Tiered)
5% – 16.5% 3% – 4% Interest rate3% – 9% Interest rate4.8% Interest rate
Min. opening deposit
EGP 250K EGP 1,000 EGP 3,000 EGP 5,000
Monthly fee
EGP 30 EGP 0 EGP 40 EGP 0
Compare with 3 similar savings

Added Monday 18 May 2026 - 07:16 PM Updated Tuesday 03 November 2026 - 09:50 AM