Abay Interest Free Banking Service is offered on separate windows, and can be used by individuals, government institutions and non-governmental organizations (NGOs). The services are offered under the principles of Sheria in all branches of the Bank with the support of the state of the art technology.

Interest Free Deposit Account Services 

• Wadiah Current Account,
• Wadiah Saving Account,
• Mudarabah Term Deposit/ Investment Account (Unrestricted),
• Mudarabah Saving Account.

Interest Free Financing Services

• Murabaha,
• Salam,
• Istisna,
• Mudarabah,
• Musharakah,
• Ijarah,
• Free - Cost Loans/ Qard Al - Hasan.

Others

• Letter of Guarantee Facility/ Kafala,
• Hawala,
• Foreign Exchange Service.

Under the Interest Free Banking Services, businesses related with usury/ interest, alcohol, pork, gambling, casino, pornography, dead meat and dead animal trading are prohibited.