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This application does not constitute the offer/acceptance of the Customer/Bank. The Customer has to read Terms and conditions on opening deposit and applicable ratios of deposits.

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Individual Customers

Wakala deposit is a safe and suitable investment

How Wakala deposit works:

  • The Customer entrusts the Bank with the management of its funds;
  • The Bank using its knowledge and experience  invests in carefully selected projects;
  • The profit is distributed between the Customer and the Bank.

Advantages of Wakala deposit:

  • Reliability confirmed by high investment-grade credit ratings of the Group*;
  • High profitability;
  • Investments in projects that comply with the rules and principles of Sharia;
  • The Gold debit card on special terms with free issuance and maintenance**.

Terms and сonditions of the Wakala deposit:

  • Currency: tenge or US dollars;
  • The minimum amount: KZT 150 000 or USD 500;
  • Terms of placement: 1, 6, 12, 24 months;
  • ​Profit payment: at the end of term***;
  • ​Additional top-up to the deposit: without restrictions;
  • Partial withdrawal: not permitted.

Expected profit rates effective from August 3, 2020:

Currency 1 6 12 24
KZT 8% 8.5% 10% 11%
USD   1% 1.5%  1.5%

*High investment-grade credit rating of ADCB PJSC​: A + from Fitch Ratings and A from Standard and Poor's
**Special card tariffs for depositors
***As per term and condition of the Wakala agreement

For opening a Wakala deposit please visit a branch location of the Bank in Almaty, Nur-Sultan and Shymkent with an identity card.

For further details on the terms and conditions applicable to the Wakala deposit kindly refer to the Agreement, visit a branch location or contact the Contact center of the Bank.

 

Documents

.pdf

Wakala deposit master agreement for individuals

Download
.pdf

Shariah Compliance Certificate for Wakala Deposit

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