Our desire to conform to all aspects of Shari'a means that we do things differently from conventional banks. We don't charge or pay interest, and we seek to avoid uncertainty in our transactions. Instead of conventional credit facilities like loans and overdrafts, we use Islamic financing methods such as Murabaha, Ijarah and Salam. Instead of paying interest on savings accounts or investing our customer's money in interest paying funds, we use Islamic profit-sharing structures and Islamic investment funds. Many of our products are different from those offered by other banks and you can always expect the highest levels of service from Emirates Islamic Bank.