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Corporate Banking </a></ul></div></div><div class="row child-menu mt-md-4 mb-md-4"><div class=col-md-3><ul><li><a class=dropdown-link href=/eng/corporate-banking/corporate-banking-solutions/cash-management-solutions/smart-business/> smartBUSINESS </a></ul></div></div><div class="row sidepanel-bottom"><div class=col-xl-9><ul class=menu-items data-swiftype-index=false><li><a href=/eng/> Personal </a><li><a href=/eng/priority-banking/> Priority </a><li><a href=/eng/business-banking/> Business </a><li class="active d-none d-md-inline-block"><a href=/eng/corporate-banking/> Corporate </a><li><a href=http://www.eifb.ae/> Securities </a></ul></div><div class="col-xl-3 d-none d-md-block"><div class="social-block mt-md-4 mt-xl-0 text-xl-right"><ul data-swiftype-index=false><li><a title="Follow on Facebook"class=fb-link href=https://www.facebook.com/emiratesislamic> Follow on Facebook </a><li><a title="Follow on Twitter"class=twitter-link href=https://twitter.com/emiratesislamic> Follow on 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w-100"title="Current Account"src=/eng/assets/images/Current-Account-600x500.jpg><div class="carousel-content page-hero-content"><div class=container><div class=row><div class="col-10 col-md-5 col-xl-4 offset-1 offset-xl-0 carousel-caption"><h1>Current Account</h1><p>Discover transparent day-to-day banking with our Shari'a-compliant Current Account.</p><a class="btn btn-orange"href="/eng/apply-now/?product=current account"> Apply Now » </a></div></div></div></div></div><div class=key-benefits><div class=container><h2>Key Benefits</h2><div class=row><div class="col-md-10 offset-md-1"><div class="card-deck mt-4 mt-md-5"><div class="card benefit-block"><div class=benefit-icon><img alt="Checking facility"title="Checking facility"height=70 src=/eng/assets/images/check-icon-purple-70x70.png width=70></div><div class=benefit-text><h3>Checking facility</h3><p>Checking facility*</div></div><div class="card benefit-block"><div class=benefit-icon><img alt="Debit Card"title="Debit Card"height=70 src=/eng/assets/images/card-icon-purple-70x70.png width=70></div><div class=benefit-text><h3>Debit Card</h3><p>Free internationally recognized debit card**</div></div><div class="card benefit-block"><div class=benefit-icon><img alt="Multiple currencies"title="Multiple currencies"height=70 src=/eng/assets/images/currency-icon-purple-70x70.png width=70></div><div class=benefit-text><h3>Multiple currencies</h3><p>Available in - AED, USD, GBP, Euro, Yen, Canadian Dollar, Saudi Riyal, Kuwaiti Dinar, Bahraini Dinar and Omani Riyal.</div></div></div></div></div><p>*Cheque Books are not issued on Foreign Currency account<p>** Debit Cards are not issued on Foreign Currency accounts. Issued only to Individuals and Sole-Establishments</div></div><div class=section-selector id=sectionSelector><div class="d-block d-md-none"><button class=scroll-to onclick=openSectionSelectorNav()>Go to <i class="arrow down"> </i></button></div><div class=features-selector-block id=sectionSelectorBlock><div class=container><button class="close selector-close"aria-label=Close id=clsButton onclick=closeSectionSelectorNav() type=button><span aria-hidden=true> × </span></button><ul class=clearfix><li class=sticky_li id=li-Benefits><a href=#Benefits onclick=closeSectionSelectorNav();removeSticky();> Benefits </a><li class=sticky_li id=li-Eligibility><a href=#Eligibility onclick=closeSectionSelectorNav();addSticky();> Eligibility </a><li class=sticky_li id=li-FAQs><a href=#FAQs onclick=closeSectionSelectorNav();addSticky();> FAQs </a><li class="apply-tab mr-0"><a class="btn btn-orange"href="/eng/apply-now/?product=current account"> Apply Now » </a></ul></div></div></div><span class=features-anchor-target id=Benefits> </span><div class="wrapper white-bg"id=Benefits><div class="container features-block"><h2>Benefits</h2><div class=row><div class="col-md-12 mb-3 mb-md-0"><ul><li>No minimum balance charges if salary is transferred.<li>Free internationally recognized debit card.<li>Personal checking facilities for UAE residents.<li>Free online banking to view, manage and conduct transactions at your convenience.<li>Phone banking giving you anytime, anywhere access to your accounts.<li>SMS account updates for charge card balances and other transactions.<li>Currencies: <ul><li>Available in AED, USD*, GBP, Euro, Yen, Canadian Dollar, Saudi Riyal, Kuwaiti Dinar, Qatari Riyal, Bahraini Dinar and Omani Riyal.<li>*Debit Card and Cheque book are not available on Foreign Currency Current Accounts.</ul></ul></div></div></div></div><span class=features-anchor-target id=Eligibility> </span><div class="wrapper grey-bg"id=Eligibility><div class="container features-block"><h2>Eligibility</h2><div class=row><div class="col-md-12 mb-3 mb-md-0"><ul><li>Minimum balance requirements of AED 3,000.<li>Minimum salary of AED 5,000.<li>Available to individuals and businesses including sole proprietorships, partnerships as well as Joint Stock and Limited Liability organizations.</ul></div></div></div></div><span class=features-anchor-target id=FAQs> </span><div class="wrapper white-bg"id=FAQs><div class=container><h2>Frequently Asked Questions</h2><div class="accordion frequently-asked-section"id=accordionExample><div class=card><div class=card-header id=quesOne><h2 class=mb-0><button class="btn btn-link collapsed"aria-controls=collapseOne aria-expanded=true data-target=#collapseOne data-toggle=collapse type=button>What is an Emirates Islamic Current Account?</button></h2></div><div aria-labelledby=quesOne class=collapse data-parent=#accordionExample id=collapseOne><div class=card-body><p>An Emirates Islamic Current Account is a transaction account, which comes with a checking option for the accountholder. An Emirates Islamic Current Account comes with cheque book, Debit card facilities, and a range of other banking benefits.</div></div></div><div class=card><div class=card-header id=quesTwo><h2 class=mb-0><button class="btn btn-link collapsed"aria-controls=collapseTwo aria-expanded=true data-target=#collapseTwo data-toggle=collapse type=button>What is the process for opening a Current Account?</button></h2></div><div aria-labelledby=quesTwo class=collapse data-parent=#accordionExample id=collapseTwo><div class=card-body><p>An Emirates Islamic Current Account can be opened by visiting any Emirates Islamic branch. Opening a Current Account will involve filling out an account opening form and providing the required documents.</div></div></div><div class=card><div class=card-header id=quesThree><h2 class=mb-0><button class="btn btn-link collapsed"aria-controls=collapseThree aria-expanded=true data-target=#collapseThree data-toggle=collapse type=button>Am I eligible for opening an Emirates Islamic Current Account?</button></h2></div><div aria-labelledby=quesThree class=collapse data-parent=#accordionExample id=collapseThree><div class=card-body><p>If you looking for a comfortable and convenient transaction account option, you can open a Current Account with Emirates Islamic. Proprietorships, partnerships, Joint Stock and Limited Liability organisations are also eligible for an Emirates Islamic Current Account.</div></div></div><div class=card><div class=card-header id=quesFour><h2 class=mb-0><button class="btn btn-link collapsed"aria-controls=collapseFour aria-expanded=true data-target=#collapseFour data-toggle=collapse type=button>Can a joint Emirates Islamic Current Account be opened?</button></h2></div><div aria-labelledby=quesFour class=collapse data-parent=#accordionExample id=collapseFour><div class=card-body><p>Yes. Opening a joint Emirates Islamic Account is possible. The account can be operated independently or jointly. For specific tasks (like the opening/closing of the account), joint authorisations will have to be provided. A joint account can’t be opened if one of the respective individuals is a minor.</div></div></div><div class=card><div class=card-header id=quesFive><h2 class=mb-0><button class="btn btn-link collapsed"aria-controls=collapseFive aria-expanded=true data-target=#collapseFive data-toggle=collapse type=button>What currencies can an Emirates Islamic Current Account be opened in?</button></h2></div><div aria-labelledby=quesFive class=collapse data-parent=#accordionExample id=collapseFive><div class=card-body><p>An Emirates Islamic Current Account can be opened for several major currencies, including AED, USD*, GBP, Euro, Yen, Canadian Dollar, Saudi Riyal, Kuwaiti Dinar, Qatari Riyal, Bahraini Dinar and Omani Riyal. <br> <br> *Foreign Currency Current Accounts do not offer a debit card and cheque book facility.</div></div></div><div class=card><div class=card-header id=quesSix><h2 class=mb-0><button class="btn btn-link collapsed"aria-controls=collapseSix aria-expanded=true data-target=#collapseSix data-toggle=collapse type=button>Will I earn any high profits or rewards with my Emirates Islamic Current Account?</button></h2></div><div aria-labelledby=quesSix class=collapse data-parent=#accordionExample id=collapseSix><div class=card-body><p>No. An Emirates Islamic Current Account does not pay out any profits.</div></div></div><div class=card><div class=card-header id=quesSeven><h2 class=mb-0><button class="btn btn-link collapsed"aria-controls=collapseSeven aria-expanded=true data-target=#collapseSeven data-toggle=collapse type=button>What facilities does an Emirates Islamic Current Account offer?</button></h2></div><div aria-labelledby=quesSeven class=collapse data-parent=#accordionExample id=collapseSeven><div class=card-body><p>An Emirates Islamic Current Account offers the following facilities:<ul><li>Free debit card<li>Cheque Book<li>Phone Banking<li>Online Banking<li>Mobile App<li>SMS Alerts<li>Availability in Foreign Currency</ul><p></div></div></div><div class=card><div class=card-header id=quesEight><h2 class=mb-0><button class="btn btn-link collapsed"aria-controls=collapseEight aria-expanded=true data-target=#collapseEight data-toggle=collapse type=button>Can I open an Emirates Islamic Current Account for a minor?</button></h2></div><div aria-labelledby=quesEight class=collapse data-parent=#accordionExample id=collapseEight><div class=card-body><p>No. You cannot open an Emirates Islamic Current Account for a minor less than 18 years of age.</div></div></div><div class=card><div class=card-header id=quesNine><h2 class=mb-0><button class="btn btn-link collapsed"aria-controls=collapseNine aria-expanded=true data-target=#collapseNine data-toggle=collapse type=button>What is the minimum balance requirement for operating an Emirates Islamic Current Account?</button></h2></div><div aria-labelledby=quesNine class=collapse data-parent=#accordionExample id=collapseNine><div class=card-body><p>The minimum balance requirement is to maintain a minimum of AED 3,000 in the account. Where the salary is transferred to the account, the minimum balance requirement is waived.</div></div></div><div class=card><div class=card-header id=quesTen><h2 class=mb-0><button class="btn btn-link collapsed"aria-controls=collapseTen aria-expanded=true data-target=#collapseTen data-toggle=collapse type=button>How can I view my Emirates Islamic Current Account Balance and statements?</button></h2></div><div aria-labelledby=quesTen class=collapse data-parent=#accordionExample id=collapseTen><div class=card-body><p>You can view your Emirates Islamic Current Account balance and statements through Online Banking and SMS Alerts. This information can also be accessed through ATMs and IVR.</div></div></div><div class=card><div class=card-header id=quesEleven><h2 class=mb-0><button class="btn btn-link collapsed"aria-controls=collapseEleven aria-expanded=true data-target=#collapseEleven data-toggle=collapse type=button>Can I open a current account online?</button></h2></div><div aria-labelledby=quesEleven class=collapse data-parent=#accordionExample id=collapseEleven><div class=card-body><p>No, you cannot open a Current Account online.</div></div></div><div class=card><div class=card-header id=quesTwelve><h2 class=mb-0><button class="btn btn-link collapsed"aria-controls=collapseTwelve aria-expanded=true data-target=#collapseTwelve data-toggle=collapse type=button>Are there any charges on failing to maintain a minimum balance in the Current Account?</button></h2></div><div aria-labelledby=quesTwelve class=collapse data-parent=#accordionExample id=collapseTwelve><div class=card-body><p>A fee of AED 25 per month (plus applicable VAT) will be charged for not maintaining the required balance.</div></div></div><div class=card><div class=card-header id=quesThirteen><h2 class=mb-0><button class="btn btn-link collapsed"aria-controls=collapseThirteen aria-expanded=true data-target=#collapseThirteen data-toggle=collapse type=button>Is salary transfer mandatory for an Emirates Islamic Current Account?</button></h2></div><div aria-labelledby=quesThirteen class=collapse data-parent=#accordionExample id=collapseThirteen><div class=card-body><p>Yes, it is mandatory for salaried individuals.</div></div></div><div class=card><div class=card-header id=quesFourteen><h2 class=mb-0><button class="btn btn-link collapsed"aria-controls=collapseFourteen aria-expanded=true data-target=#collapseFourteen data-toggle=collapse type=button>When will statements be issued for my Emirates Islamic Current Account?</button></h2></div><div aria-labelledby=quesFourteen class=collapse data-parent=#accordionExample id=collapseFourteen><div class=card-body><p>You will be subscribed to e-Statement which will be sent to your registered mail ID on a monthly basis.</div></div></div><div class=card><div class=card-header id=quesFifteen><h2 class=mb-0><button class="btn btn-link collapsed"aria-controls=collapseFifteen aria-expanded=true data-target=#collapseFifteen data-toggle=collapse type=button>What is difference between a Conventional & an Islamic Bank?</button></h2></div><div aria-labelledby=quesFifteen class=collapse data-parent=#accordionExample id=collapseFifteen><div class=card-body><ul><li>Conventional Bank is a financial body which receives money from the depositors against fixed rate of interest and it offers liquidity to borrowers against interest. And it is governed by conventional banking laws.<li>Islamic Bank is a financial body which executes commercial contracts likes sale, leasing, construction and are governed by Islamic Banking laws which allow for financial bodies to carry on commercial activities for profitable purposes.</ul></div></div></div><div class=card><div class=card-header id=quesSixteen><h2 class=mb-0><button class="btn btn-link collapsed"aria-controls=collapseSixteen aria-expanded=true data-target=#collapseSixteen data-toggle=collapse type=button>What is the difference between a Conventional Bank Savings Account/Fixed Deposit and an Islamic Bank Savings Account/Investment Time Deposit?</button></h2></div><div aria-labelledby=quesSixteen class=collapse data-parent=#accordionExample id=collapseSixteen><div class=card-body><ul><li>In Conventional Banking, Savings Account and Fixed Deposit (FD) are a special type of Savings Account that pays a predetermined interest over a predetermined period of time. The depositors from conventional banks receive Interest from their investments in the form of predetermined interest rates irrespective of bank’s performance.<li>In Islamic Banking, bank depositors receive their returns depending solely on the bank’s performance. Unlike Conventional Banks, an Islamic Bank acts as an intermediary between the depositor and the financee. As such, Islamic banks declare their profits on a monthly basis as part of their risk sharing scheme “Mudaraba Scheme”.</ul></div></div></div><div class=card><div class=card-header id=quesSeventeen><h2 class=mb-0><button class="btn btn-link collapsed"aria-controls=collapseSeventeen aria-expanded=true data-target=#collapseSeventeen data-toggle=collapse type=button>What is the difference between deposit’s Interest and deposit’s Profit?</button></h2></div><div aria-labelledby=quesSeventeen class=collapse data-parent=#accordionExample id=collapseSeventeen><div class=card-body><ul><li>Interest is certain amount of return from specific sum of money invested over predetermined period of time. This is not permissible as per Shari’a.<li>Profit is an undetermined return from specific sum of money invested over a predetermined period of time and it may vary from month to month, directly depending on how the bank performs. 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