National Bonds in UAE | A Detailed Guide

National Bonds are a type of savings account without any no minimum fee requirements. The key aspect of these National bonds 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.

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Table of Content

Benefits of UAE National Bonds
Financial Products Offered by National Bonds Dubai
How to Buy National Bonds in the UAE?
How to Redeem National Bond Certificates?
Eligibility Criteria to Apply for National Bonds in UAE
Documents Required to Buy National Bonds UAE
Frequently Asked Questions

Benefits of UAE National Bonds

Here are the key benefits of Dubai national bonds —

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’ products 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, 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 — National Bonds 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 a convenient and flexible choice for both seasoned and new investors.

Financial Products Offered by National Bonds Dubai

Here are the best National Bonds products —

Personal Products

Products	Features	Apply Now
My One Million	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
Sukuk Al Noor	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
Accelerator Savings Plan	Fast-track your saving goals Get an expected bonus of up to 10% p.a. upon cumulative average contribution 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 Capital protected as per the Mudaraba structure Minimum balance fees waived to increase the returns
Sukuk Al Waqf	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
Term Sukuk	Flexible tenure — 3, 6, 9-month or annual Minimum investment amount — AED 10,000 Capital protected via the National Bonds Mudaraba structure Earn regular profit distribution quarterly and at maturity
EIBOR Plus	This investment plan uses a 3-month EIBOR rate and has a profit rate of 0.5% p.a. for up to 3 years Flexibility to redeem Capital protected as per the Shariah law Applicable on fresh funds only Quarterly profit payout as per the EIBOR rates Minimum investment — AED 25,000 Diversify investment portfolio
Flexi Term	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
Saving Bonds	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
Second Salary	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 Option to redeem the amount after 90 days Flexibility to select the preferred savings and income tenure Exclusive monthly draw for regular investors with a probability to win AED 5,000 (up to 10 winners), AED 500 for up to 60 winners, and AED 50 for up to 5,000 winners
Eyaali — Junior Savings Plan	Open the account instantly via the mobile application Parents can access the account using the digital login The investments get transferred to the child’s account digitally once they turn 21 years old Mothers can also open an account under the Hiba contract
Tejouri	Savings account and investment solutions exclusively for women Only UAE nationals are eligible Dedicated relationship manager, added benefits for Prestige members Access to over 139,000 prizes
The Payout	Profit of 11% p.a. for first 6 months via monthly profit payout Redeem the profit at your convenience Capital protection as per Fatwa Short-term investment plan of 2 years
Booster 12	Minimum investment amount — AED 10,000 Profit payouts on a quarterly basis 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 Shariah-compliant investment plan Capital protection as per Fatwa No redemption fees or subscription charges Option to redeem the investment any time after the lock-in period of 30 days
myPlan	Access to the AED 35.5 million Rewards Program Access to 5 exclusive draws per month for 5 iPhone 15 for 5 years 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 Direct debit facility
The Global Savings Club	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
The USD Certificates	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.

Prestige Programs

Products	Features	Apply Now
Gold 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
Silver Program	Initial investment of AED 150,000 Immediately redeem up to AED 20,000 in cash 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 Annual bonus on saving bonds
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

How to Buy National Bonds in the UAE?

You can buy National Bonds 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.

Note: For all the modes discussed above, certificates are issued immediately for cash purchases. For cheque payments, however, it may take 5 to 7 business days.

How to Redeem National Bond Certificates?

The national bond, as mentioned earlier, is a flexible savings plan that enables you to withdraw money at your convenience. To redeem your national bonds, simply visit the official website or mobile application.

Eligibility Criteria to Apply for National Bonds in UAE

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

Nationality — UAE nationals and residents
Minimum Age — 21 years
Minors: Legal guardians or parents can buy the product

Documents Required to Buy National Bonds UAE

Here is 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.

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.

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