Save with meem Millionaire for a chance to win SAR 1 million every quarter, while earning up to 5% annual profit on eligible savings.
Last update on 23/8/2026
Every SAR 1,000 in your average monthly balance gives you one entry into the quarterly SAR 1 million draw.
A savings account that helps you grow your savings while giving you chances to win SAR 1,000,000 every 90 days — with a simple digital experience that is Shariah-compliant.
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Enter the quarterly SAR 1 million draw and get closer to becoming the next meem Millionaire
Earn up to 5% annual profit on eligible balances, with profits credited monthly.
Every SAR 1,000 in your average monthly balance gives you one draw entry.
Earn additional entries through eligible salary transfers, SADAD payments and referrals
Maintain an eligible average monthly balance to earn entries toward the quarterly draw
Savings are invested under a Shariah-compliant Mudarabah structure.
Open, fund and manage your account through the meem app.
Eligible savings earn profit calculated on the average monthly balance and credited monthly.
The more you save, the more chances you earn! Every SAR 1,000 in your average monthly balance gives you one chance to win SAR 1 million in the quarterly draw.
| Average Monthly Savings | Monthly Chances |
|---|---|
| SAR 1,000 | 1 Chance |
| SAR 5,000 | 5 Chances |
| SAR 10,000 | 10 Chances |
| SAR 50,000 | 50 Chances |
| SAR 100,000 | 100 Chances |
| SAR 500,000 | 500 Chances |
| SAR 2,000,000 | 2,000 Chances |
Earn up to 5% annual profit on your savings with meem millionaire while enjoying more chances to win SAR 1 million.
| Average Monthly Balance (SAR) | Annual Profit Rate (p.a.) | Monthly Draw Entries |
|---|---|---|
| Up to SAR 50,000 | 0.05% | 1 entry per SAR 1,000 |
| SAR 50,000.01 to SAR 2,000,000 | 5.00% | 1 entry per SAR 1,000 |
| Above SAR 2,000,000 | 5% on the first SAR 2 million + 1% on the excess | 1 entry per SAR 1,000 |
Profit rates effective from 1 November 2026. Subject to applicable terms and conditions.
Explore illustrative monthly profit calculations based on your average monthly savings balance.
| Average Monthly Balance | Annual Profit Rate | Estimated Monthly Profit | Monthly Draw Entries |
|---|---|---|---|
| SAR 20,000 | 0.05% | SAR 0.83 | 20 |
| SAR 100,000 | 5.00% | SAR 416.67 | 100 |
| SAR 500,000 | 5.00% | SAR 2,083.33 | 500 |
Example: A balance of SAR 2.5 million earns 5% annually on the first SAR 2 million and 1% annually on the remaining SAR 500,000.
| Balance Portion | Annual Profit Rate | Estimated Monthly Profit |
|---|---|---|
| First SAR 2,000,000 | 5.00% | SAR 8,333.33 |
| Remaining SAR 500,000 | 1.00% | SAR 416.67 |
| Total: SAR 2,500,000 | Blended rate: 4.20% | SAR 8,750.00 |
See how your savings translate into potential monthly profit and chances to win SAR 1 million.
| Average Monthly Balance | Monthly Chances | Annual Profit Rate | Estimated Monthly Profit |
|---|---|---|---|
| SAR 1,000 | 1 | 0.05% | SAR 0.04 |
| SAR 5,000 | 5 | 0.05% | SAR 0.21 |
| SAR 10,000 | 10 | 0.05% | SAR 0.42 |
| SAR 50,000 | 50 | 0.05% | SAR 2.08 |
| SAR 100,000 | 100 | 5.00% | SAR 416.67 |
| SAR 500,000 | 500 | 5.00% | SAR 2,083.33 |
| SAR 2,000,000 | 2,000 | 5.00% | SAR 8,333.33 |
Increase your chances through your everyday banking activities with meem.
| Activity | Additional Chances |
|---|---|
| SADAD Bill Payments | 1 chance for every successful bill payment from your OnePack account. |
| Refer a Friend | 1 chance for every successful referral. |
| Salary Transfer | 20 chances when you transfer your salary to meem. |
Profit rates effective from 1 November 2026. Estimated monthly profits are illustrative, based on the annual rate divided by 12. Actual profits may vary according to the applicable calculation methodology. Draw entries are subject to eligibility, qualifying transactions, applicable limits, and meem millionaire terms and conditions.
Start saving, earn profits, and increase your chances to win SAR 1 million with meem millionaire.
The meem Millionaire account offers a dual reward: you earn a competitive annual profit rate of up to 5% p.a on your savings (paid monthly) while automatically receiving entries into our quarterly 1,000,000 SAR raffle draw for every 1,000 SAR maintained in your average monthly balance.
All active meem OnePack customers aged 18 and above can open a meem Millionaire account. GIB employees and their immediate family members (parents, spouses, and children) are not eligible.
One winner will receive SAR 1 million every three months.
Meet the lucky winners of the meem Millionaire Account!
First SAR 1,000,000 Winner:
Ahmad Abduljabbar
The qualifying period for the second draw begins October 1, 2026, and ends on December 31, 2026 – both days inclusive.
The draw for the second millionaire Draw will take place on 11th January, 2027.
To qualify, you must maintain an average monthly balance of at least SAR 1,000 in your meem Millionaire account within the campaign period. Entries are calculated and assigned at the end of each Gregorian calendar month.
Your average monthly balance is calculated using your daily closing balances throughout the Gregorian calendar month.
The more you save, the more entries you earn. Every SAR 1,000 in your average monthly balance equals one entry into the draw.
Customers will also be entitled to additional chances when they meet the following criteria in each month based on the transactions using their OnePack account.
| Activities in a Month | Monthly Entries |
|---|---|
|
SADAD bill payments |
One chance for every successful bill payment from your OnePack account. |
|
Salary assigned to meem |
20 chances for transferring your salary to meem. |
|
Successful Referrals |
One chance for every successful referral. |
Yes, the meem Millionaire account is a Shariah approved account based on the concept of Mudarabah.
Profits are calculated monthly based on your Average Monthly Balance (calculated from your daily closing balances throughout the Gregorian calendar month) according to the published profit rate tiers—up to 5% p.a. for balances between 50,000 SAR and 2,000,000 SAR. Profits are credited to your account monthly before the 15th day of the following month.
You can transfer funds between your meem OnePack Account and your meem Millionaire account. Other incoming and outgoing transactions are not eligible.
Full details, including campaign periods, draw dates, prizes, eligibility requirements, and entry criteria, are available on the website.
No. Debit cards, ATM cards, and cheque books are not issued for the meem Millionaire account.
Effective November 2026, profit rates are structured across three balance slabs based on your Average Monthly Balance:
• 0 to 50,000 : 0.05% p.a.
• 50,000.01 to 2,000,000 : 5.00% p.a.
• Above 2,000,000 : 5.00% p.a. on the first 2,000,000 , and 1.00% p.a. on any balance exceeding 2,000,000.
If your average monthly balance is above 2,000,000 SAR, you continue to earn the full 5% annual profit rate on the first 2,000,000 SAR, and 1% annual profit rate on the portion above 2,000,000 SAR. For example, on a balance of 2,500,000 SAR, you earn 5% on 2,000,000 SAR plus 1% on the remaining 500,000 SAR.
If your Average Monthly Balance for the month is equal to or below 50,000 SAR, your balance will earn the base tier profit rate of 0.05% p.a. Additionally, as long as your average monthly balance is at least 1,000 SAR, you will still earn 1 entry per 1,000 SAR into the quarterly 1,000,000 SAR draw.
Yes! Earning monthly profit does not reduce your draw chances. You receive both your monthly profit payout based on your average balance, and 1 raffle entry for every 1,000 SAR in your average monthly balance.
There is no lock-in period. You can transfer funds between your meem Millionaire account and your meem OnePack account at any time via the meem app. Since profit is based on your Average Monthly Balance, maintaining 50,000 SAR or more on average across the month ensures you receive the 5% rate.
Simply log in to the meem mobile app, open your meem Millionaire account (or select your existing meem Millionaire account), and transfer funds from your OnePack account so your Average Monthly Balance reaches more than 50,000 SAR. The new 5% profit rate applies automatically from November 2026 onwards.
Gulf International Bank - Saudi Arabia, a Saudi Closed Joint Stock company with a capital of SAR (7,500,000,000), Commercial Registration No. (2052001920), Unified Number (7001399042), P.O. Box 93, Al Khobar 31952, Kingdom of Saudi Arabia, Telephone +966 13 866 4000, National Address: 5515 Cooperative Council Road - Al Khuzama Area, Unit No. 54, Al Khobar 34721-8208, Website: https://www.gib.com/ksa/en, Licensed with number: (2007) and is operating under the Saudi Central Bank's control and supervision.
