Wholesale Mudarabah Saving Account
Save confidently with transparent, halal profit sharing
Our wholesale mudarabah saving account helps SMEs grow reserves securely with Shariah-compliant profits, flexible withdrawals, and transparent terms.
Earn halal profits on your savings
Your deposits are invested in Shariah-compliant businesses, with profits shared fairly between you and the bank. Monthly calculations and quarterly announcements ensure you stay updated on your earnings, with full transparency at every step.
Flexible access when you need it
Access your money up to four times a month without affecting profit distribution. With facilities for transfers to local banks, ATM withdrawals, and currency exchange, you stay in control of your liquidity while keeping your savings working for you.
Simple and secure for your business
Manage your account with ease using a cheque book, free SMS banking, and corporate debit cards. Plus, enjoy 24/7 support through AIB’s call center and social media channels, keeping your business connected at all times.
Key features
ATM, online shopping, bill payments and more features...
Frequently asked questions
What is a Mudarabah Saving Account for SME enterprises?
It is a Shariah-compliant savings account where businesses authorize the bank to invest their deposits in halal ventures. Profits and losses are shared based on an agreed ratio.
Who can open this account?
Any registered SME with valid legal documents and licenses.
What are the main benefits?
Quarterly profit distribution, secure transactions, debit card access, SMS banking, cheque book, and 24/7 customer support.
How are profits distributed?
Profits are calculated monthly and distributed quarterly, after a 20% government tax deduction.
Are there withdrawal restrictions?
Yes. Up to 4 withdrawals per month are permitted without affecting profit distribution.
What is the initial deposit requirement?
AFN account: AFN 2,000
USD account: USD 30
What documents are required?
Updated company license
Articles of Association (AOA)
Original NIDs (Tazkira) of shareholders
Account opening request on company letterhead
Tax Identification Number (TIN)
Company seal stamp
Passport-size photos of shareholders
Presence of shareholders during onboarding
Can it be opened as a joint account?
Yes, joint and shared accounts are available for SMEs.
Is it Shariah-compliant?
Yes. It fully complies with Islamic banking principles under the Mudarabah contract.
How can I apply?
Visit your nearest branch or send your request to:
Email: [email protected]
Call: +93 (0) 20 255 0 255
WhatsApp: +93 (0) 70000 1111
What is a Mudarabah Saving Account for SME enterprises?
It is a Shariah-compliant savings account where businesses authorize the bank to invest their deposits in halal ventures. Profits and losses are shared based on an agreed ratio.
Who can open this account?
Any registered SME with valid legal documents and licenses.
What are the main benefits?
Quarterly profit distribution, secure transactions, debit card access, SMS banking, cheque book, and 24/7 customer support.
How are profits distributed?
Profits are calculated monthly and distributed quarterly, after a 20% government tax deduction.
Are there withdrawal restrictions?
Yes. Up to 4 withdrawals per month are permitted without affecting profit distribution.
What is the initial deposit requirement?
AFN account: AFN 2,000
USD account: USD 30
What documents are required?
Updated company license
Articles of Association (AOA)
Original NIDs (Tazkira) of shareholders
Account opening request on company letterhead
Tax Identification Number (TIN)
Company seal stamp
Passport-size photos of shareholders
Presence of shareholders during onboarding
Can it be opened as a joint account?
Yes, joint and shared accounts are available for SMEs.
Is it Shariah-compliant?
Yes. It fully complies with Islamic banking principles under the Mudarabah contract.
How can I apply?
Visit your nearest branch or send your request to:
Email: [email protected]
Call: +93 (0) 20 255 0 255
WhatsApp: +93 (0) 70000 1111
What is a Mudarabah Saving Account for SME enterprises?
It is a Shariah-compliant savings account where businesses authorize the bank to invest their deposits in halal ventures. Profits and losses are shared based on an agreed ratio.
Who can open this account?
Any registered SME with valid legal documents and licenses.
What are the main benefits?
Quarterly profit distribution, secure transactions, debit card access, SMS banking, cheque book, and 24/7 customer support.
How are profits distributed?
Profits are calculated monthly and distributed quarterly, after a 20% government tax deduction.
Are there withdrawal restrictions?
Yes. Up to 4 withdrawals per month are permitted without affecting profit distribution.
What is the initial deposit requirement?
AFN account: AFN 2,000
USD account: USD 30
What documents are required?
Updated company license
Articles of Association (AOA)
Original NIDs (Tazkira) of shareholders
Account opening request on company letterhead
Tax Identification Number (TIN)
Company seal stamp
Passport-size photos of shareholders
Presence of shareholders during onboarding
Can it be opened as a joint account?
Yes, joint and shared accounts are available for SMEs.
Is it Shariah-compliant?
Yes. It fully complies with Islamic banking principles under the Mudarabah contract.
How can I apply?
Visit your nearest branch or send your request to:
Email: [email protected]
Call: +93 (0) 20 255 0 255
WhatsApp: +93 (0) 70000 1111
How to apply
First, check you meet the criteria, then follow our simple steps.
Don't have an account yet?
Open an account that is best tailored for you. Whether you're managing personal finances or running a business, we're here to help.
Don't have an account yet?
Open an account that is best tailored for you. Whether you're managing personal finances or running a business, we're here to help.
Don't have an account yet?
Open an account that is best tailored for you. Whether you're managing personal finances or running a business, we're here to help.
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