- 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
- Know More About Other Insurance Product\n.term-searchfor{\n background: linear-gradient(90deg, #F9F8FE 0%, #F6F6F6 49.5%, #F9F8FE 100%);\n display: flex;\n justify-content: space-between;\n align-items: center;\n height: 200px;\n max-width: 100%;\n margin: 0 auto;\n border-radius: 5px;\n margin-top:10px;\n }\n\n .term-searchfor-content{\n flex: 1;\n height: 100%;\n padding: 10px;\n display: flex;\n flex-direction: column;\n justify-content: center;\n gap: 15px;\n overflow: scroll;\n transition: .3s;\n \n }\n\n .term-searchfor-content::-webkit-scrollbar{\n display: none;\n }\n\n .term-searchfor-column{\n display: flex;\n max-width: 600px;\n gap: 10px;\n }\n\n .term-searchfor-item{\n padding: 10px 20px;\n border: 1px solid #2A63F6;\n text-decoration: none !important;\n white-space: nowrap;\n border-radius: 8px;\n background-color: #fff;\n color: #2A63F6;\n font-size: 16px;\n \n\n }\n .searchfor-prev,.searchfor-next{\n min-height: 40px;\n min-width: 40px;\n border-radius: 100px;\n background: #fff;\n outline: none;\n border: none;\n cursor: pointer;\n margin: 0 10px;\n box-shadow: 0px 0px 10px 0px #00000029;\n display: flex;\n justify-content: center;\n align-items: center;\n }\n\n .searchfor-prev img,.searchfor-next img{\n width:45%\n }\n @media(max-width:768px){\n .term-searchfor{\n height: 160px;\n max-width: 100%;\n }\n\n .term-searchfor-item{\n padding: 5px 10px;\n font-size: 12px;\n }\n .searchfor-prev,.searchfor-next{\n min-height: 30px;\n min-width: 30px;\n }\n \n }\n\n
National Bonds UAE
The UAE government is known not just for its skyscrapers and oil wealth but also for helping residents and citizens grow their money safely. One of the best examples of this is National Bonds UAE, a savings and investment initiative owned by the Investment Corporation of Dubai (ICD). It’s the ...read more
4.6/5
35,162
Reviews35+
Insurance Partners
2 Million+
Trusted Customers
1 Million+
Policies Sold
Invest Just AED 2K/Month
Get AED 1 Million Returns*
Get AED 1 Million Returns*
Monthly Income (Dirhams)
1k - 3k
3k - 5k
5k - 8k
8k - 10k
10k - 15k
15k - 20k
20k+
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:
Table of Content
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 MillionA long-term savings plan where you set a goal (AED 1M–5M) and timeline (up to 20 years)Benefits
|
2. The Boosters (Booster 12, 17, 24)Short-to-long-term plans with boosted returns Returns
|
3. Emirati PayoutExclusive for Emiratis who want short-term and guaranteed profitsFeatures
|
4. Ahed Emergency Savings PlanCreated for Emirati women to build an emergency fundBenefits
|
5. Savings Bonds (5.5%)A short-term plan with high expected returns Benefits:
|
6. Term SukukFlexible Sharia-compliant bonds with short tenures Features
|
7. EIBOR PlusEarn profits above market rates (up to 0.5% higher than 3-month EIBOR). Benefits
|
8. Eyaali – Junior Savings PlanA savings plan for children’s future Options: Global Savings Club, myPlan, Accelerator, Savings Bonds, Gift Vouchers Benefits
|
9. myPlanA monthly savings plan starting from AED 100 Benefits
|
10. Global Savings ClubA group plan that helps employees or families save monthly Benefits
|
11. Tejouri (for Emirati Women)Exclusive savings account for Emirati women with over 139,000 prizes Benefits
|
12. USD CertificatesDollar-based investment option Features
|
13. Gift VouchersGive savings as gifts — AED 100 to AED 5,000 vouchers Perks
|
14. Sukuk Al WaqfAn endowment (charity) investment where profits go to social causes Features
|
15. Accelerator Savings PlanA fast-track savings plan with high bonus potential Benefits
|
16. The PayoutShort-term plan with high monthly returns Benefits
|
17. Second SalaryA savings plan that creates a steady income after maturity Features
|
18. Sukuk Al NoorA charitable plan supporting Noor Dubai’s blindness treatment initiative Features
|
19. Flexi TermFlexible term-based plan where you control tenure, profit, and payout schedule Benefits
|
20. Savings BondsGrow your money at your own pace while building long-term financial security Key Highlights
|
*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
|
|---|
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)
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.
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
What is the interest rate of UAE National Bonds?
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.
What are National Bonds in the UAE?
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.
Does the UAE have government bonds?
Yes. The UAE issues federal treasury bonds (T-Bonds) in Emirati Dirhams, allowing investors to participate in government-backed, low-risk securities.
Are National Bonds safe in the UAE?
Yes. National Bonds Corporation is licensed and supervised by the UAE Securities and Commodities Authority. This ensures your investments are secure and fully regulated.
Can foreigners buy UAE National Bonds?
Both UAE residents and non-residents can invest in National Bonds and benefit from its savings and profit opportunities.
Can I withdraw from National Bonds?
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.
Is National Bonds halal?
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.
Know More About Other Insurance Product
Term insurance Life Insurance Companies in UAE Life insurance Self Employed insurance Life Insurance for Expats in UAE Whole Term Life Insurance Policy Term insurance For NRI Loans Against Your Life Insurance Plan Endowment Policy vs Whole Life InsuranceBenefits of Life Insurance
Life Insurance Claim Settlement Ratio Life Insurance Calculator Term Insurance Calculator Senior Citizen Life Insurance Life Insurance Vs Health Insurance Pension Plans for NRI in UAEHow to File Life Insurance Claim?How to Avoid Claim Rejection for Life Insurance?Life Insurance with Maturity BenefitsWho Needs to Buy Life Insurance Plans?
Aashima Mongia
More From Investment
- Recent Articles
- Popular Articles
Last Updated : 28 Jan 2026How to Invest $1,000 in the UAE (Beginner-Friendly Guide 2026Wondering how to invest $1,000 in the UAE? Learn the best ways to invest 1000 dollars using ETFs, robo-advisors, SIPs, and low-risk options for long-term growth.
Last Updated : 22 Jan 2026How to Make Money Online in UAE & Dubai: Legal & Proven WaysLearn how to make money online in UAE and Dubai legally. Explore freelancing, side hustles, passive income ideas, and smart investing for long-term wealth.
Last Updated : 21 Jan 2026ETF vs CFD: Difference, Risks & Which Is Better for InvestorsETF vs CFD explained in simple terms. Learn the difference between ETF and CFD, risks, leverage, costs, and which option suits UAE investors best.
Last Updated : 21 Jan 2026ETF vs Stocks: Difference, Returns & Which Is Better for InvestorsETF vs stocks explained simply. Learn the difference between stocks and ETFs, risks, returns, and which option is better for beginners and long-term investors.
Last Updated : 15 Jan 2026UAE Visa Updates 2026: New Golden Visa Rules, Visit Visas & Who BenefitsUAE visa updates 2026 explained. New Golden Visa categories, visit visas, AI renewals, sponsorship rules & benefits for Indians and professionals.
Last Updated : 15 Jan 2026Sukuk vs Bonds: Key Differences & Which Is Better for Islamic Investors?Sukuk vs bonds explained for UAE investors. Learn the difference between Sukuk and conventional bonds, structure, returns & which is better for Shariah-compliant investing.
Last Updated : 14 Jan 202610 Best Mutual Funds in UAE to Invest to Right NowDiscover the top 10 best mutual funds in UAE and Dubai for 2026. Compare performance, features, and find the best mutual fund investment in UAE for your goals.
Last Updated : 14 Jan 202615 Best Short Monthly Investment Plan in UAE with High ReturnsRecurring Deposits (RDs) are among the best monthly investment plans in UAE for those who prefer to save consistently over time.
Last Updated : 12 Dec 2025Top 10 Best Trading Platforms in UAE for Beginners and Experts (2026)Explore the 10 best online trading platforms in the UAE, including eToro, Plus500, and Interactive Brokers. Learn about their features, benefits, and safety measures for both beginners and seasoned traders.
Last Updated : 10 Dec 2025 How to Invest AED 10,000 in UAE to Multiply Your Money?Explore the best investment plans in UAE's thriving market to invest your AED 10000 to help you turn your savings into a profitable venture.
Last Updated : 06 Jan 2026Top 5 SIP Plans for Smart Investing Discover the top 5 SIP plans for smart investing in the UAE. Explore the best mutual funds for SIP investments and make informed financial decisions.
