Compare term deposit options from leading UAE banks and maximize returns on your savings.

Secure the Best Deposit Rates in the UAE

National Bank of Fujairah Logo

National Bank of Fujairah

Minimum Deposit: AED 10,000.00
Tenure: 30 - 365 days
Interest Rate: Varies
Payment Frequency: Monthly, Quarterly, Annually, On Maturity
Early Withdrawal Penalty: Interest recalculated at lower rate based on nearest completed term; cannot exceed 2% per UAE Central Bank regulations.
Islamic Deposit: No

Features:

Overdraft and credit card available against deposit up to 90%. Auto-renewal option available.

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National Bank of Kuwait Logo

National Bank of Kuwait

Minimum Deposit: AED 0.00
Tenure: 30 - days
Interest Rate: Varies
Payment Frequency: On Maturity
Early Withdrawal Penalty: Interest is recalculated at a lower rate if withdrawn before maturity. If the adjusted rate is below 0%, only the principal is returned.
Islamic Deposit: No

Features:

Available in multiple currencies with automatic renewal unless instructed otherwise. Fixed interest rate is locked at the time of deposit placement.

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National Bank of Umm Al-Qaiwain Logo

National Bank of Umm Al-Qaiwain

Minimum Deposit: AED 50,000.00
Tenure: 30 - days
Interest Rate: 1%
Payment Frequency: On Maturity
Early Withdrawal Penalty: Interest recalculated at lower published rates at the time of initial booking.
Islamic Deposit: No

Features:

Auto-renewal available; overdraft facility can be availed up to a percentage of the deposit.

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National Bank of Umm Al-Qaiwain Logo

National Bank of Umm Al-Qaiwain

Minimum Deposit: AED 0.00
Tenure: - days
Interest Rate: 0.2%
Payment Frequency: Semi-Annually (January & July)
Early Withdrawal Penalty: None; funds available anytime.
Islamic Deposit: No

Features:

No minimum balance required; interest calculated daily and credited semi-annually.

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National Bank of Umm Al-Qaiwain Logo

National Bank of Umm Al-Qaiwain

Minimum Deposit: AED 200.00
Tenure: 1825 - 7300 days
Interest Rate: 3%
Payment Frequency: On Maturity
Early Withdrawal Penalty: Account may be terminated if payments are missed for three consecutive months.
Islamic Deposit: No

Features:

Monthly savings plan with investment certificates offering up to AED 1,000,000 returns.

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National Bank of Ras Al-Khaimah PJSC (RAKBANK) Logo

National Bank of Ras Al-Khaimah PJSC (RAKBANK)

Minimum Deposit: AED 25,000.00
Tenure: 30 - 1095 days
Interest Rate: 2.1%
Payment Frequency: On Maturity
Early Withdrawal Penalty: 2% reduction on applicable interest rate.
Islamic Deposit: No

Features:

Auto-renewal available; overdraft facility up to 90% of deposit.

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National Bank of Ras Al-Khaimah PJSC (RAKBANK) Logo

National Bank of Ras Al-Khaimah PJSC (RAKBANK)

Minimum Deposit: AED 10,000.00
Tenure: 30 - 730 days
Interest Rate: 1%
Payment Frequency: Monthly, Quarterly, On Maturity
Early Withdrawal Penalty: Lower interest applies on withdrawn amount.
Islamic Deposit: No

Features:

Automatically transfers excess funds from linked account.

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National Bank of Ras Al-Khaimah PJSC (RAKBANK) Logo

National Bank of Ras Al-Khaimah PJSC (RAKBANK)

Minimum Deposit: AED 350.00
Tenure: 365 - 1825 days
Interest Rate: 2.5%
Payment Frequency: On Maturity
Early Withdrawal Penalty: No interest if withdrawn before 6 months; lower interest applied for withdrawals after 6 months.
Islamic Deposit: No

Features:

Allows small monthly contributions for disciplined savings.

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National Bank of Ras Al-Khaimah PJSC (RAKBANK) Logo

National Bank of Ras Al-Khaimah PJSC (RAKBANK)

Minimum Deposit: AED 3,000.00
Tenure: - days
Interest Rate: 0.1%
Payment Frequency: Quarterly
Early Withdrawal Penalty: None; funds accessible with 2 business days’ notice.
Islamic Deposit: No

Features:

Provides liquidity while earning interest; subject to minimum balance requirements.

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Ruya Community Islamic Bank Logo

Ruya Community Islamic Bank

Minimum Deposit: AED 5,000.00
Tenure: 30 - 2190 days
Interest Rate: 4%
Payment Frequency: On Maturity
Early Withdrawal Penalty: If withdrawn before 30 days, no profit is paid. If withdrawn after 30 days, profit is recalculated at a lower rate minus 1% adjustment.
Islamic Deposit: Yes

Features:

Sharia-compliant deposit based on Wakala contract. Deposits are invested in Sharia-compliant activities with profit sharing.

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