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Deposits Profit Rates

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Declared Profit Rates

Find out more about the profit rates on all our accounts.

Islamic Active Saver Account

Daily Account Balance Expected Profit Rates per annum
(Valid till 28th February 2022)		 Expected Profit Rates per annum
(Valid until 1st March 2022)		 Current Expected Profit Rate p.a.
(Valid until 31st July 2022)		 Revised Expected Profit Rate p.a.
(Effective from 1stAugust 2022)
Less than AED 200,000 0.25% 0.25% 0.40% 0.40%
AED 200,000 to less than AED 2 Million 0.40% 0.40% 0.50% 0.60%
AED 2 Million up to AED 10 Million 0.60% 0.60% 0.70% 0.80%
Above AED 10 Million up to AED 20 Million 0.80% 1.00% 1.00% 1.15%
Above AED 20 Million 0.20% 0.20% 0.20% 0.20%


Daily Account Balance Expected Profit Rate per annum
(Valid until 31 December 2021)
Less than AED 10,000 0.01%
AED 10,000 and less than AED 500,000 0.25%
AED 500,000 and less than AED 2,000,000 0.40%
AED 2,000,000 to up to AED 10,000,000 0.60%
Above AED 10,000,000 0.20%

Term Deposits

Quarter 3 2022

Profit rates are Per Annum
Product up to 250K AED Above 250K up to 500K AED Above 500K AED USD EUR GBP
Term Deposit - 1 Month 1.80% 1.85% 1.90% 2.50% 0.01% 1.80%
Term Deposit - 2 Months 1.90% 1.95% 2.00% 2.50% 0.01% 1.80%
Term Deposit - 3 Months 2.10% 2.15% 2.20% 3.00% 0.01% 2.40%
Term Deposit - 6 Months 2.65% 2.70% 2.75% 3.50% 0.01% 2.95%
Term Deposit - 12 Months 2.90% 2.95% 3.00% 4.00% 0.01% 3.80%

Quarter 2 2022

Profit rates are Per Annum
Product up to 250K AED Above 250K up to 500K AED Above 500K AED USD EUR GBP
Term Deposit - 1 Month 0.55% 0.57% 0.60% 0.01% 0.01% 0.01%
Term Deposit - 2 Months 0.65% 0.67% 0.70% 0.02% 0.01% 0.01%
Term Deposit - 3 Months 0.65% 0.67% 0.70% 0.03% 0.01% 0.01%
Term Deposit - 6 Months 0.75% 0.77% 0.80% 0.04% 0.01% 0.01%
Term Deposit - 12 Months 1.00% 1.02% 1.05% 0.05% 0.01% 0.02%

Quarter 1 2022

Profit rates are Per Annum AED
Product From 5K up to 250K Above 250K up to 500K Above 500K
Term Deposit - 1 Month 0.03% 0.03% 0.04%
Term Deposit - 2 Months 0.04% 0.04% 0.04%
Term Deposit - 3 Months 0.05% 0.06% 0.06%
Term Deposit - 6 Months 0.35% 0.35% 0.35%
Term Deposit - 12 Months 0.40% 0.40% 0.40%

Savings Accounts

Quarter 3 2022

Profit rates are Per Annum
Product AED USD EUR GBP
Islamic Savings Account 0.10% N/A N/A N/A
Emirati Millionaire Savings Account 0.05% N/A N/A N/A
Millionaire Destiny Savings Account 0.05% 0.06% N/A N/A
Islamic Special Savings Account 0.10% 0.05% 0.01% 0.05%
Islamic Pocket Saver 0.10% N/A N/A N/A
University Students Account 0.10% N/A N/A N/A

Quarter 2 2022

Profit rates are Per Annum
Product AED USD EUR GBP
Islamic Savings Account 0.10% N/A N/A N/A
Emirati Millionaire Savings Account 0.05% N/A N/A N/A
Millionaire Destiny Savings Account 0.05% 0.06% N/A N/A
Islamic Special Savings Account 0.10% 0.05% 0.01% 0.05%
Islamic Pocket Saver 0.10% N/A N/A N/A
University Students Account 0.10% N/A N/A N/A

Quarter 1 2022

Profit rates are Per Annum
Product AED USD EUR GBP
Islamic Savings Account 0.10% N/A N/A N/A
Emirati Millionaire Savings Account 0.05% N/A N/A N/A
Millionaire Destiny Savings Account 0.05% 0.06% N/A N/A
Islamic Special Savings Account 0.10% 0.05% 0.01% 0.05%
Islamic Pocket Saver 0.10% N/A N/A N/A
University Students Account 0.10% N/A N/A N/A

Previous Years

Announcement of profit distribution method

The weightages as 1/10/2020

Wakala Deposits

Wakala Century Deposits

Earn attractive expected profit rates of 4.40% per annum on AED Wakala Century for a tenure of 500 days, and 5% per annum on USD Wakala Century. For further details, please refer below table.

Tenure AED
(Rates effective from 8th November 2022)		 USD
(Rates effective from 28th November 2022)
500 days 4.40% Not Available
400 days 4.35% 5%
375 days 4.35% 5%
200 days 3.85% 4.30%
150 days 3.35% 3.90%
100 days 3.35% 3.90%
75 days 3.20% 3.40%
50 days 3.10% 3.35%
Tenure AED
(Rates valid until 7th November 2022)		 USD
(Rates valid until 27th November 2022)
500 days 3.90% Not Available
400 days 3.85% 5.25%
375 days 3.85% 5.25%
200 days 3.55% 4.30%
150 days 3.10% 3.80%
100 days 3.10% 3.80%
75 days 2.90% 3.15%
50 days 2.65% 3.10%

Expected profit rates are per annum. Minimum deposit amount is AED 5,000 or equivalent in USD.

Wakala Deposits

Earn attractive expected profit rates of 4.35% per annum on Wakala Deposit* for a tenor of 13 months. For further details, please refer below table.

Tenure AED
(Rates valid until 7th November 2022)		 AED
(Rates effective from 8th November 2022)
1 Month 2.60% 3.05%
3 Month 3.10% 3.30%
6 Month 3.55% 3.80%
9 Month 3.55% 4.00%
12 Month 3.80% 4.25%
13 Month 3.85% 4.35%

*Expected profit rates are per annum. Minimum deposit amount is AED 50,000.

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