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Salary Advance Facility (salaf)

SALAF Facility is based on the Islamic concept "Qard Al Hasan", which refers to "Interest Free Loan".

Qard Al HasanA loan contract between two parties (the Bank and the Customer) to fulfill a short-term financial need of the borrower (customer). The lender cannot charge interest/profit on the lent amount and the amount of payment must be equivalent to the amount borrowed. This product is consistent with the Shari'ah prohibition against "Riba" (Interest) as the borrower is not compensating the lender for the money advanced.

SALAF benefits & features:

  • Low fixed monthly fee
  • Fee to be charged only upon utilization
  • No interest
  • An alternative to conventional overdraft facility
  • Ideal for emergency cash requirements

Where can I get it?

All you need to do is visit any of our conveniently located branches or call our customer service helpline 800474.

To download the brochure, please click here.


You can reach us using any of the following numbers

UAB Toll Free

800 474

International callers

+971 6 5987332

Sadara Toll Free

800 72 32 72

Sadara international

+971 6 5987333

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