National Bonds in UAE

What are National Bonds in UAE?

National Bonds are a type of savings account without no minimum fee requirements. A standout feature of the National bonds UAE is that they offer a wide range of investment options and personal saving plans for all income levels.

One of the leading investment companies in the UAE, National Bonds Corporation Sole Proprietorship P.S.C. is a Shariah-compliant investment organisation. It is known for its innovative financial products and services that cater to diverse needs.

The primary aim of National Bonds is to encourage people to save and re-invest their savings in development programs in the UAE

Top Investment Plans in UAE

Some of the best Investment quotes in UAE & Dubai are:

Policy Term

Investment Amount

Payment Frequency

YearlyMonthly

Table of Content

What are National Bonds in UAE?
Different Types of National Bonds Dubai
Benefits of UAE National Bonds
Top Services Offered by National Bonds UAE
How to Invest in National Bonds in UAE?
How to Redeem National Bond Certificates?
Eligibility Criteria to Apply for National Bonds in UAE
Documents Required to Buy National Bonds in the UAE
Important Tips Before Investing in National Bonds UAE
Final Thoughts
Frequently Asked Questions
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Different Types of National Bonds Dubai

Here are the best National Bonds in UAE —

Personal Products

My One Million	Accelerator Savings Plan
Flexible savings duration from 3 to 10 years Competitive expected returns Dedicated relationship manager Monthly profit distribution and reinvestment Entry into the Rewards Program with a chance to win AED 1,000,0000 per quarter and 16 luxury cars annually Capital protection as per the Shariah low read more	Fast-track your saving goals Capital protected as per the Mudaraba structure Access to AED 35.5 Million Rewards Program Access to exclusive monthly draw for regular investors with prizes like AED 5,000 for 10 winners, AED 50 for 5,000 winners, and AED 500 for 60 winners Get an expected bonus of up to 10% p.a. upon cumulative average contribution Minimum balance fees waived to increase the returns read more
Sukuk Al Waqf	Sukuk Al Noor
Endowment plan Timed Waqf — 1, 3, or 5 years Awqaf gets a half-yearly profit distribution Access to a Reward Program with AED 1 million and 12 Tesla car draws Minimum investment amount — AED 100 for individuals and AED 10,000 for institutions read more	Secure investment initiative with a minimum tenure of 5 years Profit donated to people requiring eye disease treatment through 30 million beneficiaries Mission to cure 30,000,000 people around the world
Term Sukuk	EIBOR Plus
Flexible tenure — 3, 6, 9-month or annual Minimum investment amount — AED 10,000 Earn regular profit distribution quarterly and at maturity Capital protected via the National Bonds Mudaraba structure read more	Flexibility to redeem Capital protected as per the Shariah law Applicable on fresh funds only This investment plan uses a 3-month EIBOR rate and has a profit rate of 0.5% p.a. for up to 3 years Quarterly profit payout as per the EIBOR rates Minimum investment — AED 25,000 Diversify investment portfolio read more
Flexi Term	Saving Bonds
Flexible investment tenure — 3 months to 5 years Capital protection as per Fatwa Competitive profit rates compared to market average Profit distribution flexibility — Quarterly or annually read more	Minimum investment amount — AED 100 Participate in AED 35.5 million Reward Programs Win prizes like AED 1 million (for 2 winners) per quarter and the chance to win a brand new luxury car per month read more
Second Salary	Eyaali — Junior Savings Plan
Monthly investment of AED 1,000 (minimum) Anticipated returns of 2.95% p.a., reinvested per month for the entire chosen term Entry into AED 35.5 million worth of reward programs Monthly investment of AED 1,000 (minimum) Anticipated returns of 2.95% p.a., reinvested per month for the entire chosen term Entry into AED 35.5 million worth of reward programs read more	Open the account instantly via the mobile application Parents can access the account using the digital login Mothers can also open an account under the Hiba contract The investments get transferred to the child’s account digitally once they turn 21 years old read more
Tejouri	VThe Payout
Only UAE nationals are eligible Dedicated relationship manager, added benefits for Prestige members Access to over 139,000 prizes Savings account and investment solutions exclusively for women read more	Redeem the profit at your convenience Capital protection as per Fatwa Short-term investment plan of 2 years Profit of 11% p.a. for first 6 months via monthly profit payout read more
Booster 12	myPlan
Minimum investment amount — AED 10,000 Shariah-compliant investment plan Increasing profit rates from 0.5% p.a. in quarter 1 to up to 12% p.a. in the last quarter of the calendar year Capital protection as per Fatwa Profit payouts on a quarterly basis No redemption fees or subscription charges Option to redeem the investment any time after the lock-in period of 30 days read more	Access to the AED 35.5 million Rewards Program Direct debit facility Participate in the exclusive monthly draws with prizes like — AED 5,000 for 10 winners, AED 50 for 5,000 winners, and AED 500 for 60 winners Access to 5 exclusive draws per month for 5 iPhone 15 for 5 years read more
The Global Savings Club	The USD Certificates
Competitive profit rates Personalised savings plan for employees of all salary ranges Participate in AED 35.5 million worth Rewards Program Extra prizes for the Global Savings Club Get the Global Savings Club Certification Dedicated relationship manager to handle the accounts Financial independence and wealth accumulation through savings and investment program read more	1-year investment tenure 30-day lock-in period Minimum investment amount — USD 5,000 No early redemption or subscription charges required Shariah-compliant investment plan Profit payout is quarterly at your convenience with an anticipated return of up to 3% p.a. read more

Click here to Start Your Investment Plan!

Prestige Programs

Gold Program	Silver Program
Wealth management program Minimum investment amount — AED 350,000 Priority access to investment opportunities Immediate cash redemption of up to AED 25,000 every day Participate in the Rewards program — 4 chances per National Bond to win the draws with prizes including AED 1 million, 16 luxury cars, and AED 35 million Rewards Program read more	Initial investment of AED 150,000 Immediately redeem up to AED 20,000 in cash Annual bonus on saving bonds Participate in the Rewards program — 3 chances per National Bond to win draws with prizes including AED 1 million, 16 luxury cars, and AED 35 million Rewards Program read more
Bronze Program
Initial investment of AED 50,000 Solid financial advice Immediate redemption limit of up to AED 15,000 in cash Participate in the Rewards program — 2 chances per National Bond to win the draws with prizes including AED 1 million, 16 luxury cars, and AED 35 million Rewards Program read more

Benefits of UAE National Bonds

We have outlined the key National Bonds UAE benefits —

Competitive Profit Rates — National Bonds UAE comply with Shariah law and distribute profit instead of interest. These investment plans have promising returns that change every year. Generally, the longer you invest, the more the returns will be.
Diverse Investment Products — This is an apt saving option with an assortment of investment products. However, to make the right choice, you need to identify your financial goals and risk appetite. Since there are so many products, you should plan your financial objective and buy a product accordingly.
Ethical Investment — All the National Bonds UAE products are designed to strictly adhere to Islamic finance rules and are ethically and socially responsible. The investments into these products direct your fund towards healthcare, education, and helping the community.
Reward Programs and Draws — When you buy a National Bond in UAE you can participate in a variety of inclusive Reward Programs. You also get to take part in lucky draws and get a chance to win prizes.
Easily Accessible — They are accessible to everyone, with no minimum fees and options for all income levels. You can easily change your savings amount, redeem funds after the locking period, and choose from various investment plans. This makes National Bonds UAE a convenient and flexible choice for both seasoned and new investors.

Top Services Offered by National Bonds UAE

UAE National Bonds offers more than just savings and investment products, they also provide helpful services to make your experience easier and more rewarding.

1. Direct Debit

Set up a monthly savings plan starting from just AED 100. This gives you automatic entry into prize draws with over 69,000 prizes.

More payments = More chances to win:

Up to 11 monthly payments: 2 chances
12–23 payments: 3 chances
24+ payments: 4 chances

2. Easy Redemption

Need to access your savings early? National Bonds UAE allows early withdrawals once the minimum holding period is met. You can redeem your funds anytime through the website or mobile app.

3. Thara’a Program

A special savings initiative by MOHRE (Ministry of Human Resources & Emiratisation) to help employees save monthly. Supported by National Bonds, it offers:

Annual returns
Chances to win prizes

4. Mobile App

Manage your savings on the go with the National Bonds app. With just a few taps, you can:

Check your savings
Enter prize draws
View new offers and promotions

5. Sukuk Express

Visit any Cube Kiosk quickly to:

Top-up your savings
Purchase up to AED 20,000 in bonds without any paperwork or waiting

6. Referral Contractors

Earn rewards by referring others to National Bonds:

Invite friends or family to invest
If they invest AED 200,000 or more, you get a bonus

Click here to Start Your Investment Plan!

How to Invest in National Bonds in UAE?

You can buy National Bonds in UAE through any of the following channels —

Via Emirates Post Offices

Go to a post office near you
Get an application form and fill it in
Affix the required documents
Pay the required amount via cheque or cash

Via National Bonds website

Head to the official website
Browse for the application form and fill it in
Submit the application form with the required documents digitally
Make payments via bank transfer, cheque, or standing order

Via National Bonds Office

Go to the National Bonds office
Ask for a National Bonds application form and complete it
Affix the required documents
Pay the required amount via cheque or cash

Via Banks

Connect with the bank’s customer care service to understand the process
Go through the bank-specific process to apply for the National Bonds
Submit the documents along with the application form
Make payment via cheque or cash

Via Exchange Houses

Go to an exchange house near you
Connect with a representative and ask for an application form
Submit the form along with the required documents
Pay for the certificate using either cash or cheque

How to Redeem National Bond Certificates?
For all the modes discussed above, certificates are issued immediately for cash purchases. However, for cheque payments, the issuance process may take approximately 5 to 7 business days.

Eligibility Criteria to Apply for National Bonds in UAE

The following are the eligibility criteria to apply for National Bonds Dubai —

Criteria	Description
Nationality	UAE Nationals and Residents
Minimum Age	21 Years
Minors	Legal Guardians or Parents Can Buy

Documents Required to Buy National Bonds in the UAE

We have mentioned the list of documents required to buy National Bonds in the UAE —

Emirates ID
Valid residence visa page (for UAE residents)
Official document to confirm the minor’s identity
For visitors or non-residents — a valid passport copy with a valid residence visa

Go through the following frequently asked questions section to know more about National Bonds in the UAE.

Click here to Start Your Investment Plan!

Important Tips Before Investing in National Bonds UAE

Make sure all your required documents are ready
Double-check your payment amount and payment method
Understand how long it takes for bond certificates to be issued
If you’re unsure about anything, reach out to customer service or staff for help

Final Thoughts

National Bonds Corporation is owned by the Investment Corporation of Dubai, the investment arm of the Dubai Government. They offer Sharia-compliant financial solutions for both individuals and businesses.With flexible savings plans, exciting prize draws, and easy-to-use services, National Bonds is a smart way to build your financial future in the UAE.

Frequently Asked Questions

Yes, both residents and non-residents can apply for national bonds.

There is no specific minimum investment amount — the requirement varies as per the plan. However, experts recommend saving at least AED 1,000 or becoming a regular saver to enjoy special privileges.

You get a National Bond certificate immediately for cash payments. For cheque payments, it may take 5 to 7 business days.

E-bonds, offering convenience and accuracy, is a National Bonds service that lets you receive your savings certificates online for free.

Some national bonds provide returns as high as 11% per annum for the first six months of a two-year plan, along with monthly profit payouts and capital protection.

Log into your account, select the redemption option and click on Manage Bank Details. Then, register your bank account details. The request will be reviewed and processed within five working days.

Like all investments, National Bonds carry risks like the issuer may fail to make interest or principal payments or a downgrade in the issuer’s credit rating can impact bond prices.

No, past performance does not guarantee future returns. While National Bonds aim to provide competitive profits, returns depend on market conditions and investment performance.

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