National Bonds UAE 2026: Complete Guide to Returns, Benefits, Calculator & How to Invest

Saving money in the UAE has evolved beyond traditional bank accounts. Today, investors are increasingly looking for options that offer better returns, flexibility, and security, while also aligning with ethical or Shariah principles. One of the most trusted options is National Bonds UAE: a ...read more

What is National Bonds UAE?

National Bonds UAE is a government-owned, Shariah-compliant savings and investment company. Established in 2006, it is owned by the Investment Corporation of Dubai (ICD). It offers profit-based returns (4.45% in 2025), flexible savings plans, and an AED 35 million rewards programme, making it a popular low-risk investment option in the UAE.

Unlike traditional bank products, it operates under a Mudarabah (profit-sharing) model, where:

Investors provide capital
National Bonds manages investments
Profits are shared based on performance

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:

Policy Term

Investment Amount

Payment Frequency

YearlyMonthly

Simple Saver

Past 10 Yrs Returns8%

Lump Sum PayoutAED 684,202

Family Takaful Protect

Past 10 Yrs Returns6%

Lump Sum PayoutAED 613,274

International Wealth Builder

Past 10 Yrs Returns4.5%

Lump Sum PayoutAED 564,646

Future Protect

Past 10 Yrs Returns4.5%

Lump Sum PayoutAED 564,646

Flexi Wealth Builder Plan 281

Past 10 Yrs Returns4.35%

Lump Sum PayoutAED 560,016

Table of Content

What is National Bonds UAE?
National Bonds UAE Benefits: Latest Milestones & Performance
Why Choose National Bonds UAE?
National Bonds UAE Interest Rate (Profit Rate)
How to Invest in National Bonds UAE?
Types of National Bonds UAE Financial Products
How to Redeem National Bonds UAE?
Can Expats and NRIs Invest in National Bonds UAE?
Top Services Offered by National Bonds UAE
How Does the National Bonds Rewards Programme Work?
National Bonds UAE vs Fixed Deposit vs Savings Account
Final Thoughts
Frequently Asked Questions
Know More About Other Insurance Product

National Bonds UAE Benefits: Latest Milestones & Performance

National Bonds achieved record-breaking growth in 2026, reinforcing its credibility and trust among investors.

Assets crossed AED 18 billion
4.45% profit distributed for 2025
Over 1 million bondholders
37% growth in regular savers
72% increase in digital adoption
More than AED 4 billion paid in profits and rewards
232 millionaires created through prize draws

These figures highlight that National Bonds are no longer just a niche Islamic savings product. Rather, it is now a mainstream financial tool in the UAE.

Why Choose National Bonds UAE?

With a declared profit rate of 4.45% in 2025, over AED 18 billion in assets, and more than 1 million investors, National Bonds has positioned itself as a leading savings solution in the UAE.

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. Low Entry Barrier

You can start investing with just AED 100. This makes the instrument accessible to beginners, salaried individuals, and even young investors.

4. 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.

5. 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.

6. Exciting Prizes and Rewards

National Bonds stands out because of its reward-based savings model.

AED 35 million annual prize pool
Multiple AED 1 million winners
Luxury cars and cash prizes

Unlike banks, your savings also give you a chance to win big rewards.

7. 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.

National Bonds UAE Interest Rate (Profit Rate)

One of the most searched queries is the “National Bonds UAE interest rate”. However, technically, National Bonds does not pay interest; it pays profit under Sharia principles.

Latest Declared Profit: 4.45% for 2025

Historical Trend: Typically between 4% and 5% annually

Some structured plans (like Booster plans) advertise higher returns (10%–17%), but these are —

Tenure-based
Conditional
Not comparable to standard annual returns

Important insight: While returns are not guaranteed, National Bonds has consistently delivered stable, above-average savings returns in the UAE.

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 —

Through the Official Website	Via the Mobile App	Bank Houses	Emirates Post Offices
Visit www.nationalbonds.ae Fill out the application form Upload the required documents Make payment via bank transfer or debit/credit card	Download the National Bonds UAE app (available on Android and iOS) Create your account Start investing directly through the app	Partnered banks and exchange houses in the UAE allow you to purchase National Bonds directly over the counter	Visit your nearest post office, fill out the form, and make the payment by cash or cheque

Minimum Investment

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

Documents Required to Invest in National Bonds UAE

To open a National Bonds account, you need basic identification documents.

For UAE Residents

Emirates ID (mandatory)
Passport copy (with visa page)
Bank account details (IBAN)

For Non-Residents/Visitors

Passport copy
UAE visit visa or entry stamp

For Minors

Passport/Emirates ID of child
Parent or legal guardian documents

Insight: The process is now largely digital. Most users can complete verification via UAE Pass within minutes.

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

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.

Can Expats and NRIs Invest in National Bonds UAE?

For Expats

Yes, expats can fully invest in National Bonds.

Key Advantages

100% digital onboarding via UAE Pass
No need to visit branches
AED-based investment (no currency risk)

What Happens if You Leave the UAE?

Unlike many bank products, you can continue holding your bonds from abroad and manage everything online. This makes National Bonds highly attractive for mobile expatriates.

For NRIs (Indian Investors)

National Bonds can be a stable AED-based investment option.

No UAE income or capital gains tax
Returns may be taxable in India
Useful for diversification alongside:
- Indian mutual funds
- Global equities

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.

How Does the National Bonds Rewards Programme Work?

The rewards system is a major differentiator. Every bond increases your chances of winning. The draw happens monthly and quarterly.

Investors are categorised based on investment size:

Tier	Minimum Investment	Key Benefits
Bronze	AED 50,000	Financial advisory, prize entries
Silver	AED 150,000	Higher redemption limits, bonuses
Gold	AED 350,000	Exclusive opportunities, premium benefits

Key Highlights

AED 35M total rewards pool
Multiple AED 1M winners
Luxury cars and cash prizes

Historical Impact

AED 830M+ rewards distributed
232 millionaires created

National Bonds UAE vs Fixed Deposit vs Savings Account

Before making an investment, it’s important to understand where National Bonds stands compared to other popular savings options in the UAE.

Feature	National Bonds UAE	Fixed Deposit (Bank)	High-Yield Savings Account
2025–2026 Return	4.45% (declared 2025)	3% – 4.75%	Up to 6.25%
Return Type	Variable profit (Mudarabah)	Fixed	Variable
Capital Guarantee	No formal guarantee*	Yes	Yes
Shariah-Compliant	Yes	Available	Available
Minimum Investment	AED 100	AED 1,000–25,000	AED 0–5,000
Liquidity	Medium	Low	High
Prize Draws	Yes (AED 35M pool)	No	No
Open to Expats	Yes	Yes	Yes
Tax (UAE)	0%	0%	0%
Best For	Goal-based savings, Islamic investors	Guaranteed returns	Emergency funds

*While not formally guaranteed, government ownership adds strong institutional stability.

Key Takeaway: National Bonds sits right in the middle. It offers better returns than most savings accounts, more flexibility than fixed deposits, and unique rewards that no bank product provides.

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 UAE distributed a profit rate of 4.45% for 2025. This is not fixed and depends on investment performance. Historically, returns range between 4% and 5%, making it competitive with UAE savings accounts.

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.

National Bonds is best suited for conservative investors, Shariah-conscious individuals, expats earning in AED, long-term savers, and beginners starting small.

National Bonds offers similar returns (4.45%) but more flexibility and rewards. Fixed deposits provide guaranteed returns but lower liquidity and no prize incentives. National Bonds is better for flexibility and Islamic investing, while fixed deposits suit investors seeking guaranteed returns.

Yes, both residents and non-residents can invest. Expats can register online and continue managing investments even after leaving the UAE.

You can start with AED 100, making it one of the most accessible investment options in the UAE.

National Bonds offers similar returns but more flexibility and rewards, while fixed deposits provide guaranteed returns.

You can purchase National Bonds through Emirates post offices, exchange houses (e.g., Al Ansari Exchange), partner banks, and official website and mobile app. With 500+ outlets across the UAE, accessibility is a major advantage.

You get the UAE National bond certificate instantly for cash/card purchases and in 5–7 working days for cheque payments.

Guide to Investments in UAE
Best Mutual Funds to Invest in UAE	Smart Ways to Invest AED 10000
Know about National Bonds in UAE	Best Investment Banks in UAE
Trending SIP in UAE with High Returns	Guide to Child Plans in UAE
How to Invest in Index Funds	Best Investment Plan in UAE
How to Save money in UAE?	How to Invest in Mutual Funds in UAE

←Previous

An Ex-Pat’s Expert Guide to Golden Visa UAE

Proven ways to save money in UAE 2026

Aashima Mongia

Content Writer

Aashima Mongia is a Content Executive at Policybazaar.ae, dedicated to bridging the gap between complex financial products and the people who need them. Specializing in Term Life Insurance and Investment portfolios, Aashima translates the "fine print" into high-value insights for the UAE market. With a background rooted in Commerce and Digital Strategy, she combines rigorous research with an audience-first philosophy. Her work is a blend of data-backed research and a deep understanding of the UAE's economic pulse, ensuring that every guide she writes is practical, timely, and easy to digest.