National Bonds in UAE

So, what makes UAE National Bonds so popular? They offer secure, flexible, and Sharia-compliant investment options with attractive profit rates, bonus rewards, and even lucky draws — all backed by the government.

What are National Bonds UAE?

UAE National Bonds is a government-backed savings and investment company founded in 2006. It operates under Islamic finance principles, ensuring that all investment plans are Sharia-compliant. For you, this means profits, not interest, are distributed to investors.

Managed by ICD (Investment Corporation of Dubai), it is available to people of all income levels, citizens, residents, and even minors. It’s a safe way to save, invest, and earn profits through well-regulated financial products.

Whether you are saving for your child’s education, planning retirement, or just looking to earn more on your savings, National Bonds UAE offers flexible plans suited to every goal and lifestyle.

Top Investment Plans in UAE

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

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Table of Content

What are National Bonds UAE?
Types of National Bonds UAE Financial Products
Why Choose National Bonds UAE?
How to Invest in National Bonds UAE?
How to Redeem National Bonds UAE?
National Bonds UAE Interest Rate (Profit Rate)
Top Services Offered by National Bonds UAE
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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Types of National Bonds UAE Financial Products

UAE National Bonds offers a wide range of investment and savings plans to suit different financial goals. Here’s an overview of the main categories —

1. My Million

A long-term savings plan where you set a goal (AED 1M–5M) and timeline (up to 20 years)

Benefits

Earn up to 3.5% profit per year
Monthly reinvested profits
Entry in AED 36 million Rewards Program
Capital protected & Sharia-compliant

Ideal for: Long-term wealth builders aiming for big goals

2. The Boosters (Booster 12, 17, 24)

Short-to-long-term plans with boosted returns Returns

Booster 12: Up to 12% in 3 years
Booster 17: Up to 17% in 4 years
Booster 24: Up to 24% in 5 years

Benefits

Start from AED 10,000
Quarterly payouts
Capital protection
Rewards entry with luxury car and cash draws

3. Emirati Payout

Exclusive for Emiratis who want short-term and guaranteed profits

Features

Up to 4.25% profit p.a.
6-month to 2-year investment
Entry in AED 36M Rewards Program

Ideal for: Emiratis seeking higher profit and flexibility

4. Ahed Emergency Savings Plan

Created for Emirati women to build an emergency fund

Benefits

Start from AED 1,000
Sharia-compliant
Exclusive prizes for Emirati women

Tip: Keep at least 6 months of expenses as emergency savings

5. Savings Bonds (5.5%)

A short-term plan with high expected returns Benefits:

Up to 5.5% p.a. for 3 months
Join AED 36M Rewards Program
Minimum AED 25,000 investment

Ideal for: Short-term savers looking for quick, safe returns

6. Term Sukuk

Flexible Sharia-compliant bonds with short tenures Features

Tenures: 3, 6, 9 months, or 1 year
Start from AED 10,000
Monthly/quarterly profit payouts
Capital protected

Best for: Flexible investors seeking stable returns

7. EIBOR Plus

Earn profits above market rates (up to 0.5% higher than 3-month EIBOR). Benefits

Profit adjusts quarterly with EIBOR
Up to 3-year term
Capital protected
Start with AED 25,000

Ideal for: Those seeking inflation-beating, market-linked returns

8. Eyaali – Junior Savings Plan

A savings plan for children’s future Options: Global Savings Club, myPlan, Accelerator, Savings Bonds, Gift Vouchers Benefits

Open via app
Parents manage savings digitally
Rewards entries and high returns

Perfect for: Parents planning long-term savings for kids

9. myPlan

A monthly savings plan starting from AED 100 Benefits

Automatic monthly deductions
Up to AED 36M Rewards entry
Multiple prizes monthly (cash, iPhones, and more)

Ideal for: Beginners building steady savings habits

10. Global Savings Club

A group plan that helps employees or families save monthly Benefits

Regular savings for up to 5 years
Attractive returns and Rewards entry
Capital protected

Example: Save AED 1,540/month = AED 100,000 in 5 years*

11. Tejouri (for Emirati Women)

Exclusive savings account for Emirati women with over 139,000 prizes Benefits

Dedicated account manager
Sharia-compliant
Special rewards and privileges

12. USD Certificates

Dollar-based investment option Features

Start from USD 5,000
3–12 month tenures
Monthly/quarterly payouts
Capital protected

Good for: Diversifying with foreign currency investments

13. Gift Vouchers

Give savings as gifts — AED 100 to AED 5,000 vouchers Perks

Eligible for rewards and profits
Available via mobile app

Perfect for: Gifting long-term financial benefits.

14. Sukuk Al Waqf

An endowment (charity) investment where profits go to social causes Features

Start from AED 100
Timed or permanent Waqf (1–5 years)
Capital protected
Reward draw entries

Ideal for: Those wishing to contribute to humanitarian causes

15. Accelerator Savings Plan

A fast-track savings plan with high bonus potential Benefits

Up to 10% expected profit
Monthly prize draws
Capital protected
No hidden fees

Perfect for: Aggressive savers aiming for higher returns

16. The Payout

Short-term plan with high monthly returns Benefits

Up to 11% p.a. profit for 6 months
Flexible redemption
Capital protected

Ideal for: Investors seeking short-term, high-return opportunities

17. Second Salary

A savings plan that creates a steady income after maturity Features

Start from AED 1,000/month
Tenure: 3–20 years
3.25% profit p.a.
Monthly income payout after the saving period

Perfect for: Planning post-retirement or secondary income

18. Sukuk Al Noor

A charitable plan supporting Noor Dubai’s blindness treatment initiative Features

5-year minimum investment
Profits donated to global eye care projects

19. Flexi Term

Flexible term-based plan where you control tenure, profit, and payout schedule Benefits

3 months to 5 years
Capital protection
Customisable profit payout

Best for: Investors who want full control over savings duration and returns

20. Savings Bonds

Grow your money at your own pace while building long-term financial security Key Highlights

Flexible Savings: Start saving with as little as AED 100, in units of AED 10, with no minimum balance requirements
Reward Opportunities: Be part of the AED 36 million Rewards Program, where you can win —
- AED 1 million for 2 lucky winners every quarter
- A luxury car every month

Click here to Start Your Investment Plan!

*For reference only — terms and conditions apply

Why Choose National Bonds UAE?

There are several reasons why thousands of residents trust National Bonds over other savings options.

Here are the key National Bonds UAE benefits —

1. Safe and Government-Backed

Since National Bonds are overseen by a government entity in Dubai (ICD), the investments are viewed as highly secure and transparent. Investors can be confident that their funds are safeguarded and handled with care.

2. Sharia-Compliant

All offerings adhere to Islamic finance principles, which ensures there are no interest-based returns. Instead, investors receive profit shares generated from approved investments. This could be a great option for those who prefer ethical investing.

3. Competitive Profit Rates

The National Bonds UAE interest rate, known as the anticipated profit rate, changes annually based on the company’s performance. Historically, the returns have been higher than most savings accounts offered by banks in the UAE.

For example —

2-Year Booster plan offers up to 6% returns
Booster 12% and 17% plans offer up to 12%–17% returns
Term Sukuk and Savings Bonds offer regular profit payouts

The longer you invest, the higher your potential profits.

4. Diverse Investment Options

National Bonds UAE offers multiple financial products — from short-term savings to long-term investment plans. You can choose based on your goals, risk comfort, and savings capacity.

5. Exciting Prizes and Rewards

Every dirham you save gives you a chance to win amazing prizes — luxury cars, iPhones, or even AED 1 million in cash. It makes saving fun and exciting.

6. Easy to Start Saving

You don’t need a lot of money to begin. You can start saving with just AED 100, making it simple for anyone to join and grow their money. The process is digital-friendly, meaning you can manage everything using the National Bonds mobile app.

💡 Pro Tip Want to explore more investment options beyond National Bonds? Policybazaar.ae — your one-stop platform — brings you the best plans like SIPs and mutual funds in the UAE. Find flexible, goal-based saving options, track potential returns, and start investing with just a few clicks — simple, smart, and 100% online.

How to Invest in National Bonds UAE?

Investing in National Bonds is quite simple. You can complete the process through multiple channels. Here’s how —

1. Through the Official Website

Visit www.nationalbonds.ae
Fill out the application form
Upload required documents
Make payment via bank transfer or debit/credit card

2. Via the Mobile App

Download the National Bonds UAE app (available on Android and iOS)
Create your account
Start investing directly through the app

3. Banks and Exchange Houses

Partnered banks and exchange houses in the UAE allow you to purchase National Bonds directly over the counter.

4. Emirates Post Offices

Visit your nearest post office, fill out the form, and make the payment by cash or cheque.

5. Minimum Investment

As low as AED 100 for individuals
Higher amounts for prestige and booster plans (AED 10,000–AED 25,000)

Click here to Start Your Investment Plan!

How to Redeem National Bonds UAE?

Redeeming your investment is as easy as applying. Here’s how —

Log into your account via the website or app
Choose the redemption option
Once the minimum 30-day holding period is completed, your funds are transferred to your linked bank account

This flexibility ensures liquidity, meaning you can access your money when needed without long waiting periods.

National Bonds UAE Interest Rate (Profit Rate)

Unlike fixed bank interest, National Bonds UAE distributes anticipated profits based on its investment performance. Historically, average annual profits have ranged between 2.5% and 6%, depending on the plan and tenure.

For example —

Booster 12: up to 12% over 3 years
Savings Bonds: up to 5.5% over 3 months
Term Sukuk: flexible tenure with monthly payouts

Since profits are regularly reviewed and updated, you can always check the latest profit rates on the National Bonds website or app.

Top Services Offered by National Bonds UAE

Direct Debit: Start saving automatically from as little as AED 100/month. Also, earn additional chances in monthly draws.
Easy Redemption: Withdraw your savings anytime after the 30-day holding period, fast, paperless, and hassle-free.
Thara’a Program: This is a special savings program for labourers and employees. Backed by the UAE’s Ministry of Human Resources, it offers rewards and protection benefits.
Mobile App: Manage your savings, track profits, enter prize draws, and access new offers in one place.
Sukuk Express: Top up or buy new bonds quickly at MBME Cube kiosks without lengthy forms.
Referral Rewards: Refer a friend or family member. If they invest, you earn cash bonuses.

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

If you are looking for a low-risk, government-backed, and Sharia-compliant investment option in the UAE, National Bonds is one of the most reliable choices.

With flexible plans, competitive National Bonds UAE interest rates, and exciting reward programs, it’s a great way to start your journey toward financial independence — whether you’re saving for your child’s education, your future home, or your retirement.

Now that you know how to invest in National Bonds UAE, take your first step today and let your savings work smarter, not harder.

Frequently Asked Questions

National Bonds offer profit rates of up to 5.5% per annum on certain plans like Savings Bonds (3-month term). Other options, such as Term Sukuk and EIBOR Plus, provide varying returns based on market rates, with a minimum expected profit of 2.5% p.a.

National Bonds is a Sharia-compliant savings and investment company that helps UAE nationals, residents, and even non-residents grow their money safely through low-risk, profit-based savings plans.

Yes. The UAE issues federal treasury bonds (T-Bonds) in Emirati Dirhams, allowing investors to participate in government-backed, low-risk securities.

Yes. National Bonds Corporation is licensed and supervised by the UAE Securities and Commodities Authority. This ensures your investments are secure and fully regulated.

Both UAE residents and non-residents can invest in National Bonds and benefit from its savings and profit opportunities.

You can redeem up to AED 25,000 instantly online or dial 600 522279. You can also collect your funds from select Al Ansari Exchange branches.

National Bonds is 100% Sharia-compliant. It is overseen by a dedicated Shari’a Supervisory Board (SSB) to ensure all products and investments follow Islamic finance principles.

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