National Bonds in the UAE offer a unique and strategic investment option for individuals looking to secure their financial future. With various products and services tailored to meet the needs of all income levels, National Bonds provides a flexible and rewarding way to save and invest. This comprehensive guide will dive into the details of National Bonds, helping you understand how they can benefit your financial planning.

What is a National Bond?

National Bonds are essentially a type of savings account but with a twist. They require no minimum fee and offer various investment options and personal saving plans suitable for all income levels. Operated by the National Bonds Corporation Sole Proprietorship PSC in Dubai, these bonds are Sharia-compliant and based on the Mudaraba model, making them an ethical choice for investors.

What are the different products under National Bonds UAE?

National Bonds UAE offers diverse products designed to cater to different financial needs and goals. Here are some of the key products:

Sukuk Al Waqf

  • This innovative advance endowment plan lets investors contribute as little as AED 1,000.
  • Profits are directed to a chosen project, making it a socially impactful investment.
  • Accessible for nearly all income levels, promoting financial inclusivity.

Savings Bonds

  • Start saving with just AED 100.
  • Yearly profits and Reward Programs enhance the investment’s value.
  • Flexible, allowing changes in saving amounts to fit personal financial goals.
  • Eligibility starts at 21 years, focusing on adult investors in the UAE.

The Global Savings Club

  • A collaborative initiative with the Dubai Quality Group.
  • Aims to instill a savings culture among employees.
  • Provides financial security and peace of mind.

Accelerator Savings Plan

  • Aims to fast-track your savings goals.
  • Offers up to a 10% annual bonus p.a and access to AED 35 million in reward programs.
  • More than just savings, it’s a comprehensive financial growth plan.


  • A direct debit scheme rewarding prompt payments with extra money.
  • Simple enrollment through a Direct Debit Form and a Relationship Manager.
  • Loaded with rewards, making saving a more enticing prospect.

The Payout

  • Offers competitive return rates up to 8% and monthly profit payouts.
  • Access to luxury rewards, including cars and AED 1 million draws.
  • Capital protection under the National Bonds Mudaraba structure.

Pledging Scheme

  • Sharia-compliant financing with flexible tenors for up to 48 months.
  • Attractive financing rates and high limits of up to AED 10 million.
  • Available for both individuals and institutions, enhancing accessibility.

2-Year Booster

  • Provides up to 6% returns after 2 years.
  • Minimum investment of AED 10,000 with a 30-day lock period.
  • Offers capital protection, early redemption, and investment certificates.

Advance Booster 12%

  • Forecasts a 12% return over four years with an annual rate of 3%.
  • Minimum investment of AED 10,000 with early redemption perks.
  • Targets those looking for an attractive, mid-term investment opportunity.


  • Exclusive to UAE nationals, promoting domestic savings.
  • Offers substantial prizes, including AED 1 million and Nissan Patrol.
  • Sharia-compliant, aligning with cultural and religious norms.

The USD Certificates

  • Attractive for foreign currency investors with quarterly profit distributions.
  • No subscription or early redemption fees, enhancing its appeal.
  • Encourages diversification into foreign currency holdings.

Booster 10

  • Quarterly profit payouts with the flexibility of redemption post-30 days.
  • No extra fees for subscription or early redemption.
  • A blend of flexibility and steady returns, suitable for cautious investors.

Gift Vouchers

  • Ranges from AED 100 to AED 25,000, fitting various budget needs.
  • A thoughtful financial gift for loved ones, promoting a savings culture.
  • Versatile and accessible, making it an ideal gift for any occasion.

Top Services of National Bonds UAE

National Bonds doesn’t just offer products; they also provide a range of services to enhance your investment experience:

Direct Debit

  • With a National Bond, you can set up a direct debit starting from AED 100 monthly.
  • This lets you enter draws with 69,240 prizes, giving you more chances to win.
  • The more you pay, the more chances you get: 2 chances for up to 11 payments, 3 chances for 12-23 payments, and 4 chances for 24 or more.


  • National Bonds offer flexible savings plans where you can withdraw your money early.
  • Ensure the required time has passed, and you can redeem via the website or app.


  • This is a savings program by MOHRE to help workers save monthly money.
  • National Bonds support this by offering steady yearly returns and the chance to win cool prizes.

Mobile App

  • National Bonds have an app like a savings center on your phone.
  • You can check your savings, enter draws, see new deals, and more with just a few taps.

Sukuk Express

  • Visit any Cube Kiosk to easily top-up your bonds or buy up to AED 20,000 in bonds without hassle.

Referral Contractors

  • You can become a Referral Contractor if you want to help others invest.
  • Recommend National Bonds to friends; if they invest a minimum of AED 200,00, you get a bonus!

How to Get and Apply for National Bonds UAE

Getting National Bonds in the UAE is straightforward. You can purchase them through:

Emirates post offices

  1. Visit your local Emirates Post Office.
  2. Request and fill out the National Bonds application form.
  3. Attach all required documents to the form.
  4. Pay the amount via cash or cheque.

Note: Certificates are issued immediately for cash purchases, but cheque purchases take 5-7 working days.

National bonds website

  1. Go to the official National Bonds Corporation website.
  2. Find and fill out the online application form.
  3. Attach necessary documents digitally.
  4. Pay via cheque, bank transfer, or standing orders.

Note: Certificates are issued immediately for cash transactions, but cheque transactions take 5-7 working days.

National bonds office

  1. Visit the National Bonds office directly.
  2. Request and complete the application form.
  3. Submit the form with all required documents.
  4. Make your payment in cash or via cheque.

Note: Immediate certificate issuance for cash, 5-7 working days for cheque.

Exchange houses

  1. Locate and visit a nearby exchange house.
  2. Talk to a representative and fill out the application form carefully.
  3. Submit the form along with the necessary documents.
  4. Pay the amount in cash or via cheque.

Note: Certificates are instantly issued for cash payments; cheques take 5-7 working days.


  1. Contact the customer service of your chosen bank to understand the process.
  2. Follow the bank-specific procedure to apply for National Bonds.
  3. Submit the required documents as instructed by the bank.
  4. Pay via cash or cheque at your convenience.

Note: Immediate issuance for cash payments, 5-7 working days for cheque payments.

Things to Remember

  • Always ensure you have all the necessary documents ready before starting the process.
  • Please verify the amount you need to pay and ensure you have the means to pay it.
  • Understand the time it takes for the certificate issuance to plan accordingly.
  • If unsure or confused at any step, feel free to ask for assistance from the staff or customer service.

Eligibility Criteria for National Bonds UAE

To be eligible for purchasing National Bonds, you must:

  • Be a UAE resident with a valid Emirates ID or a passport with a residency visa.
  • Be 21 years of age or above. For minors, a legal guardian/parent can purchase on their behalf.
  • A valid passport with an entry stamp is mandatory for investors residing abroad.

Documents Required To Purchase UAE National Bonds

When purchasing UAE National Bonds, you’ll need:

  • UAE nationals: Emirates ID – Original and a copy.
  • UAE residents: Emirates ID or a true passport copy with a valid Residency Visa Page/Entry Stamp.
  • Minors (UAE nationals/residents): An official document confirming the minor’s identity and their father or legal guardian, such as an Emirates ID or an accurate copy of a passport, accompanied by a valid residency visa for the father or legal guardian.
  • Visitors/non-residents: A true passport copy with a valid Residency Visa.
  • Minors (visitors/non-residents): Required documents include an identification card for the minor and the father/legal guardian. This should be a legitimate passport copy with a valid Residency Visa for the father/legal guardian.

Why Invest in UAE National Bonds?

Diverse Investment Products

National Bonds in the UAE are a great option for anyone looking to invest, whether you’re just starting or have been investing for a while. As mentioned above, the diverse products will help you achieve financial plans and needs. 

Here’s some advice:

  • Understand your needs: Before investing, consider what you want to achieve and how much risk you’re comfortable with. This will help you choose the right product.
  • Start small: If you’re new to investing, it’s okay to start with a small amount and gradually increase as you become more comfortable.
  • Ask questions: Be bold and ask for more information or seek advice from a financial advisor.

Attractive Profit Rates

National Bonds UAE has a history of offering good profit rates, which means people investing in them have seen their money grow. Here’s what beginners need to know:

  • What are they? National Bonds are a type of investment in the UAE known for allowing investors to earn more money over time.
  • Changing rates: The profit you can earn changes every year. Generally, the longer you keep your money in, the more you might make.
  • Recent profits: For example, according to mymoneysouq, Based on the 2020 returns, Bonds exceeding AED 1 Million yielded a 3.98% profit, those between AED 350K – 1 Million earned a 2.91% profit, and regular savings bonds secured a 1.74% profit. Minors with holdings of 5K+ gained a 2.29% profit, while ladies with 5K+ holdings earned 2.28%, and UAE Nationals holding 5K+ achieved a 2.73% profit.

Sharia-compliant and Ethical Investing

National Bonds follow Sharia principles, making them a great choice for ethical investments. Here’s a simpler explanation:

  • Sharia-compliant: This means National Bonds stick to Islamic finance rules. Your money is invested in ways that are ethical and socially responsible.
  • Investments: When you put your money into National Bonds, it goes into good ventures for society. This includes things like education, healthcare, and helping communities.

Reward Programs and Draws

Investing in National Bonds isn’t only about growing your money; it’s also an exciting opportunity to win big! Here’s a friendly breakdown:

  • What’s on offer? National Bonds don’t just grow your savings. They come with a chance to win in various reward programs.
  • Exciting prizes: Every year, rewards worth AED 35 million are up for grabs. Imagine winning luxury cars or hefty cash prizes!
  • Why they do this: These rewards aren’t just for fun. They’re part of a plan to make saving money more appealing. The idea is to encourage UAE residents to save and invest by making the process more exciting.

Accessibility and Flexibility

National Bonds are accessible to many investors, with no minimum fee requirements and options for all income levels. The flexibility to alter your saving amount, the ease of redemption after the locking period, and the availability of various investment plans make National Bonds a convenient and adaptable option for seasoned investors and those new to the investment world.


National Bonds in the UAE offer a unique and flexible way to secure your financial future. Whether you’re looking for a simple savings plan or a more complex investment strategy, National Bonds provides a range of products and services to meet your needs. With their Sharia-compliant structure and various rewards and benefits, National Bonds are an attractive option for anyone looking to invest in their future.

Ready to secure your future with UAE National Bonds? Explore the options and find the perfect fit for your financial aspirations today!

About Author

Rizalie Gumalog

About Author

Rizalie Gumalog is a digital storyteller known for her eclectic writing styles that captivate audiences. With her almost 3 years of experience, she crafts engaging articles that build meaningful connections between brands and their audience. Drawing inspiration from nature and music, Riza is committed to creating enriching experiences and is always ready for new digital explorations.