Minimum Balance Required Monthly Return Features
Emirates Islamic - Emarati Family Savings Account Emirates Islamic - Emarati Family Savings Account Minimum Balance Required: AED 0 Monthly Return: 0.75% Features: Islamic Banking, Discounts / Vouchers / Offers
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Key Benefits

Higher expected Profit rates - Higher expected profit rates based on the account balances of all family members

Individual Savings Account - Separate individual savings account for every account holder

Account Privacy - 100% complete account privacy for every account holder

Fee Discounts and Vouchers - 50% discount on Processing fee* on Finances and vouchers of up to AED 700* on Cards


  • Shariah compliant Wakala based profit bearing Account.
  • Higher profit rate paid on a pooled balance of all family members.
  • Add up to 10 immediate family members into the family pool.
  • Full privacy on each individual Emarati Family Saving Account.
  • Each customer will have their own mobile/ internet banking access, debit card, statement of account (where applicable).
  • No Minimum monthly balance or salary requirement for any family member.
  • No cheque book will offered on this account.

Terms & Conditions apply. Click here

Additional Benefits

Finance Product

50% processing fee discount on Auto, Home and Personal Finance*

Personal Finance / Auto Finance - 50% of the processing fee for Personal Finance /Auto Finance.

Home Finance - 50% of the processing fee, Maximum of AED 2500

Credit Card

Vouchers up to AED 700 & 15,000 EI SmartMiles*

Infinite & Signature Cards - Noon vouchers worth AED 700

Platinum Cards - Noon vouchers worth AED 300

Emarati Cards - 15,000 bonus EI Smartmiles

Terms & Conditions apply. Click here


  • Emarati Family Saving Account can be opened by an individual UAE National customer only.*
  • Minimum member required 2 and maximum of 10 members, to enjoy the pooled earning.
  • Primary member age must be minimum 21-year-old.
  • No age condition for the secondary’s members
  • A first-degree relationship is required to be categorized as
  • Immediate family members are classified as Spouse, Siblings, Children and Parents.

Non-UAE National cannot be a primary member. 
Non-UAE National can avail the Emarati family Saving Account (as secondary member)

Accepted documents to confirm immediate family relationship:

  • Khulasat-al-Qaid
  • Marriage certificate
  • EIDA of each member
  • Passport of each member

Profit Calculation

Profit will be paid monthly based on the average balances held in the
Emarati Family Savings Accounts of all family members.

Profit is distributed on calendar Monthly basis.

 Pooled balance slab - In AED Expected Profit rates (p.a) Payout Profit
 Less than AED 499K 0.25% Monthly
 AED 500K – AED 999K 0.50%  Monthly
 Greater than 1 million 0.75%   Monthly

Terms and conditions apply. Profit rates are subject to change.

Account Opening

How to open your account?

If you are existing customer, or new to bank, please visit any nearest branch to assist.
Primary customer must be present with the secondary member for linking the
accounts and enjoy the benefit.

** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual profit rate on the product which is equivalent to APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The Calculated Annual Percentage Rate (APR) is determined using the annual profit rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different profit rates and fee structures.
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