WHAT ARE PREMIUM SAVINGS ACCOUNTS|

KEY BENEFITS OF PREMIUM SAVINGS

ACCOUNTS|YES BANK

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Premium savings accounts are specialised savings accounts that offer improved and enhanced banking features
and customised services. These types of accounts are best suited for people that have an extreme paucity of
time, need premium services or require relaxed and customised norms. Premium savings accounts provide an
edge over the general savings accounts. These are structured as advanced solutions for customers to best match
their needs. Premium savings accounts offer unmatched banking privileges and finest business solutions to
ensure you always have an advantage over others.
Key Benefits of Premium Savings Accounts
There are multiple benefits of opting for a premium savings account:
 Finest and tailored banking experience and service to suit your needs
 Premium debit or credit card with multiple onboard offers and services
 Enhanced transaction limits and free ATM withdrawals
 Attractive interest rates
 Multiple promotional offers
 Higher insurance coverage
 Tailor-made expert solutions and friendlyloan policies
 Advanced digital benefits
 Special banking privileges
 Competitive banking solutions
However, it is important to be exhaustive in your research before opting for a premium savings account. The concerned bank must provide you with
solutions, benefits and privileges that deliver a holistic and unparalleled premium banking experience.

Banking privileges offered under YES PREMIA

YES Premia is a specialised account that offers enhanced banking features and customised services. Delivering on its promise of providing you top-
notch services, YES BANK’s YES Premia program offers the premium accounts for all your individual as well as business banking needs.
This program adopts a relationship-driven approach towards banking. It aims to provide you with a holistic experience, which effectively
complements your lifestyle and expectations. YES Premia offers the finest banking products, services and expert solutions, fulfilling your
expectations and financial needs.
Banking privileges offered under YES PREMIA

 Total benefits worth ₹50,000 in the first year

 Exclusive welcome aboard offers worth ₹14,000*
 Dedicated relationship manager to cater to all your banking requirements
 Complimentary YES PREMIA World Debit Card with state-of-the-art features
 YES PREMIA Credit Card with a host of benefits
 Family Banking benefits with complimentary family & business accounts
 Free Demat Account – 100% AMC waived off for 1st year, 50% off from 2nd year onwards
 Enhanced Domestic Daily ATM limit of ₹1 Lakh & Purchase limit of ₹3 Lakhs, International ATM & POS Limit of ₹1 Lakh
 Higher Insurance coverage offering enhanced security
*powered by MasterCard

Banking solutions for your business:

 Ability to bank anywhere
 Best-in-class import and export remittance services
 E-collect feature that offers efficient receivable management
 Integrated banking experience via Smart Tally
  GST payment facility

Furthermore, to ensure that you are always ahead of others, YES PREMIA also comes with the following
features:
 Wealth Management Expertise across mutual funds, bonds, debentures, insurance products, etc.
 YES Securities services, which includes reduced brokerage rates, seamless fund transfers, intelligent goal planners, advanced trading
platforms and tools, etc.
 Comprehensive loan solutions for all business and individual needs at preferential pricing.

Advanced digital banking benefits under YES PREMIA

 MF online, which is a state-of-the-art Mutual Fund investment platform
 YES Mobile that provides a true and inclusive on-the-go banking experience
 YES PAY, a mobile app allowing you to make seamless and wise payments
 YES ROBOT, your 24x7 Personal Banking assistant
 YES TRANSACT offering you an integrated and upgraded product suite with advanced services
 PHONEBANKING integrated across channels offering accessibility anytime and anywhere

With best-in-class banking features, services, investments, and insurance – YES Premia aptly fits in with your aspirations and lifestyl

Johara Account
Alliance

 Open with an initial deposit of just Rs. 1,000

 First Cheque book of twenty five leaves
 Free locker for first year (small locker only, subject to availability), onwards renewal
charges as per SOC
 50% Discount on application processing fee for Consumer Finance
Apply Online Find a Branch

JOHARA ACCOUNT
The Johara Account is checking (current or saving) account which is designed to cater the needs of women
whether they are entrepreneurs, salaried or self-employed individuals or housewives who wish to open bank
account to receive remittances from abroad or simply a college student who wishes to open an account to
fulfill their banking needs.

This product’s saving account is based on Mudarbah, whereby, the account holder (fund provider or Rab ul
Mal) authorizes Dubai Islamic Bank Pakistan Limited (Mudarib or investment manager), to invest the Rab ul
mal’s funds on the basis of unrestricted Mudarbah contract according to the principles of Sharia.

Whereas current account is based on the Qard contract. Where the depositor permits bank to use or invest his
money in its Sharia compliant investments and is neither entitled to investment profit nor does the account
holder bear any risk of loss.

The Johara Account is being offered in Pak Rupees, US Dollar, UK Pound, Euro and UAE Dirham.

Features
  Open with an initial deposit of just Rs. 1,000
 No Account maintenance service charges
 No restriction on the number of monthly deposits or withdrawals
 Profit calculation on monthly average balance
 Profit will be paid on monthly basis
 First Cheque book of twenty five leaves
 Free locker for first year (small locker only, subject to availability), onwards renewal charges as per SOC
 Discounted financing services/rates
 50% Discount on application processing fee for Consumer Finance
 Online banking services nationwide
 Internet Banking
 E-mail statements (twice a year)
 Joint account in the name of individuals will be allowed. However, both account holders should be females
 Giving Power of Attorney (mandate) to operate this account will not be allowed.
 Zakat applicable as per Zakat & Ushr ordinance on saving account

JOHARA ASAAN ACCOUNT

Women can now open their account with minimum documentation and get the benefits of Johara Account.

Features
Minimal documentation requirement

 Account can be opened under Savings or Current

 Account can be opened by Individuals (Singly or jointly)
 Offered in PKR only
 Initial Deposit Requirement of Rs. 100
 Maximum withdrawal (debit) & deposit (credit) limit allowed is Rs. 1,000,000 per month
 Profit sharing on Mudarbaha basis
 Profit will be paid on monthly average balance basis
 Profit will be paid on monthly basis
 No minimum balance required
 ATM/VISA debit card facility
 24/7 phone banking assisting services
 Free Internet & Mobile Banking services

Benefits
 Free first cheque book of twenty-five leaves
 Free locker for first year
 Discounted financing facilities of Auto, Housing, Personal Financing

FAQs:
What is Johara Account?

What are the free services available in this product?

Is there any benefit on consumer finance in this Account?

Can Minor open a Johara Account?

Can Non-residents and foreign nationals open Johara account?

Can a person open Johara Account jointly?

What are the initial deposit and minimum balance requirements for Johara Account?

Are the conditions for account being marked as dormant or inoperative same as in case of regular
accounts?

Can a company account be opened as Johara Account?

How the profit is being calculated?

What is the monthly fee for Johara Account?

What is the Islamic mode of profit sharing?

Islamic Refinance Scheme for Women Entrepreneurs

(IRS-WE)
Dubai Islamic Bank offers a shariah-compliant financing facility under State Bank of Pakistan’s “Islamic
Refinance Scheme for Women Entrepreneurs (IRS-WE)”. The scheme provides affordable financing to
women-owned small & medium size businesses. The objective of the scheme is to promote the growth of
women-led businesses, reduce the financing gap and contribute to economic development and gender
empowerment.

Features
  Maximum financing limit of Rs. 5 Million
 Maximum Tenor 5 years
 Grace period of 6 months
 Attractive financing rate of 5% only
 Personal guarantee of customer required. Further appropriate security will be taken as per Bank’s risk
assessment.

Senior Citizen Account

 High Rate of Returns

 Complimentary General Takaful Coverage*
 Free Debit Card, Cheque Book, Mobile/Internet Banking and SMS alerts*
 E-mail Statements (twice a year)
Apply Online Find a Branch

Senior Citizen
This Product will cater the needs of senior citizens(widows and pensioners are also eligible in this product),
whether they are still working retired pensioners, living on remittances sent by their children from abroad or
living on their lifetime saving. This product is designed to be more customer oriented by passing on maximum
benefit to customers. Customers will be able to add or withdraw their savings at any time, or set up a savings
plan with periodic transfers if desired from their other checking accounts with maximum flexibility. The Bank
has also lowered the threshold of entry for potential savers, with a minimum investment of just one hundred
thousand to be eligible for higher returns.

This product’s saving account is based on Mudarbah, whereby, the account holder (fund provider or Rab ul
Mal) authorizes Dubai Islamic Bank Pakistan Limited (Mudarib or investment manager), to invest the Rab ul
mal’s funds on the basis of unrestricted Mudarbah contract according to the principles of Sharia.

Whereas current account is based on the Qard contract. Where the depositor permits bank to use or invest his
money in its Sharia compliant investments and is neither entitled to investment profit nor does the account
holder bear any risk of loss.

The Senior Citizen/Widows/Pensioner Account is being offered in Pak Rupees Only.

Features
 60 Years for senior citizens, pensioners & widows with no age limit
 First Cheque book free of twenty five leaves
 First issuance of Silver/Classic ATM/Debit card is free
 Online banking services nationwide (cheque deposit/withdrawal)
 Free SMS Alerts
 Internet Banking
 E-mail statements (twice a year)
 Open to individuals only
 Joint account in the name of individuals, will be allowed
 Profit payment on monthly average balance with monthly frequency
 Only one account in this product will be allowed on one CNIC of senior citizen, widow or pensioner in any one
branch of DIBPL across Pakistan.
 Zakat applicable as per Zakat & Ushr ordinance on saving account

Benefits

Enjoy teller sevices at any https://www.adib.ae/en/personal/accounts/savings-

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