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Got an idea for a new financial product, online banking service or any other innovative product that you would like to suggest to the moneysmart community? We would love to hear from you here as we’re always looking for ways to help you live a happier financial life. Before making a new suggestion, please check if a similar suggestion has already been made.

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Product suggestions
almelhem55 - 22.02.2020 - 14:08:52

BB

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in the category Cards

A version of covered card which allows credit to be transferred from covered card to an account on the condition that the equivalent amount needs to be spent on retail purchases through the covered card or else cash advance and profit rate willl be levied.
Suppose, I transfer 1500 AED for rent to some account through the credit facility of the covered card. I need to spend 1500 AED during the next cycle on retail purchases or else cash advance fees and profit will be levied on the cash withdrawn.


Elhassan2020 - 18.02.2020 - 00:58:23

strategy Tip

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in the category Current Accounts

I would recommend it would be a way better to have more flexibility in current accounts from ADIB and remove the minimum account fees if the balance is less than 3K


Vibhor_Bhatnagar - 03.02.2020 - 09:26:38

Cash Card Plus

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in the category Cover Cards

A version of covered card which allows credit to be transferred from covered card to an account on the condition that the equivalent amount needs to be spent on retail purchases through the covered card or else cash advance and profit rate willl be levied.
Suppose, I transfer 1500 AED for rent to some account through the credit facility of the covered card. I need to spend 1500 AED during the next cycle on retail purchases or else cash advance fees and profit will be levied on the cash withdrawn.


Munabdulla wrote on 03.02.2020 at 11:03

no



almelhem55 - 02.02.2020 - 17:13:17

v

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in the category Prepaid Card

An option to be able to round up any transaction to the nearest AED which will activate once the transaction has taken place. The account would transfer the difference into a savings account making it easier for you to budget and saving a little each time. For example i spend 100.25 AED at a store, the account then transfers 75 fils into a savings account.


mkn - 10.11.2019 - 15:16:00

Spending

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in the category Debit Cards

An option to be able to round up any transaction to the nearest AED which will activate once the transaction has taken place. The account would transfer the difference into a savings account making it easier for you to budget and saving a little each time. For example i spend 100.25 AED at a store, the account then transfers 75 fils into a savings account.


Kiranndd wrote on 20.02.2020 at 08:54

it's a good suggestion



AToosh - 04.11.2019 - 13:53:10

MONEY SMART INSURANCE

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in the category Insurances

you need to add insurance category to the web site and also the app on the future
specially the health insurance and the motor insurance
with a price comparing and a special prices for adib money smart contacts


Zohair wrote on 14.11.2019 at 17:10

good idea!


Kiranndd wrote on 10.01.2020 at 19:10

Goos suggestion



BASHEEROKR - 03.11.2019 - 10:26:56

Pay on the go with Samsung Pay using your ADIB Visa Card

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in the category Payments

Make con-tactless payments with your ADIB Visa Covered Cards, enrolled on Samsung devices*, at almost any store in the UAE and abroad, making shopping or dining more convenient and secure.


mbalfaqeeh - 26.10.2019 - 12:54:14

special accounts for non salaried employers

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in the category Personal Finance

Those days I faced many non salaried people want to rent with cash in monthly basis cause they cannot open a bank account to get cheque book.

in current state of the market we face many salaried employees going out of the country and the banks cash flow going low every day.
their is a big part in this country got only cash and cannot open a bank accounts because of regulations.

I prefer that the banks going out of the box and start to creat for them some special accounts, that will help the current market and help them.

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Zohair wrote on 14.11.2019 at 17:13

interesting thought. do you want a feature or product where instead of cheques, the receiver obtains a similar guarantee but not be a cheque? that is currently available in the form of a demand draft or managers cheque. if youre talking about a different concept, can you explain more? how would it work? why or how would people exchange/obtain/accept it?


mbalfaqeeh wrote on 14.11.2019 at 20:02

It can be special product for low salaried accounts but not manager cheque, cause manager cheque need that the account must have the full amount in the account to be blocked and they don't have the full year rent in their account.
in renting we ask the tenant to pay by cheques for more secure in payment and most tenants like (students, free lance workers, low salaried workers) they don't have accounts and cheque book cause of regulations.


Kiranndd wrote on 20.02.2020 at 08:57

i can suggest a money-smart account for nonsalaried people.



Hakam83 - 03.07.2019 - 15:28:37

الربح بظام الشرائح

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in the category Investments and Wealth Management

نظام يقوم بحساب الربح بظام الشرائح بحيث كلما زادت نسبة الادخار من الراتب زادت معه نسبة الربحية فمثلا اذا استطعت ادخار 500 درهم لآخر الشهر تكون عليها نسبة ربح0.5 % بينما اذا استطت ادخار 1000 درهم من الرتب تكون نسبة الربح 1 % و هكذا بشكل تصاعدي

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AdhamAttia wrote on 14.09.2019 at 13:07

Good idea and it would help people save more in their account


mujah wrote on 24.10.2019 at 12:17

good


Meme303 wrote on 21.11.2019 at 11:13

شي جميل يشجع على الادخار



NHA - 20.06.2019 - 12:26:30

الراتب التعويضي

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in the category Job Insurance

تكون هذه الخدمه بشتراك من قبل الموظف في أي قطاع بحيث يكون تأمين على الراتب الشهري بالقيمه المحدده والمتفقه من العميل ومقدم الخدمه..بحيث إّذا تم الاتفاق يتم استقطاع مبلغ شهري من العميل ويقوم مقدم الخدمه بستثماره..
-يكون تحصيل الراتب التعويضي إذا فقد الموظف وظيفته أو تم استقطاع جزء من راتبه.
-التعويض يكون شهري.

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Malameri111 wrote on 20.06.2019 at 21:22

الفكره جميله جدا... وهذا يعتبر تأمين الوظيفي للموظف


Meme303 wrote on 21.11.2019 at 11:14

ليس الجميع لديه راتب شهري


sathishnp83 wrote on 24.11.2019 at 12:04

So nice




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