A Smart S@ver account can be opened and operated entirely via Online Banking
Available in AED, USD and GBP
Up to 2% interest p.a.
Quick transfers through Online Banking or Cash Deposit Machines
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Smart S@ver Account
At a glance
Interest rates
Benefits
Requirements and charges
Support
Digital Account Opening
At a glance
Be a smart saver and reach your goals faster
Higher interest rates based on balances
Interest paid out monthly
Key features
- Open an account in AED, USD, GBP
- Interest rate up to 2% p.a. for AED, 1.25% for USD and 0.75% for GBP
- Interest calculated on daily closing balance
- Utility bill payments are not considered as withdrawals
- Easy transfers to your own Smart S@ver account
- One withdrawal per month does not affect the interest rate
- Account managed online
- For salaried, non-salaried and self-employed individuals
Key Facts Statement (KFS)
Fees and charges
Terms and conditions
Interest rates
AED
| AED Balance | Interest Rate % p.a. (Until November 30, 2022) | Revised Interest % p.a. (Effective 1st December 2022) |
|---|---|---|
| Less than AED 25,000 | 0.00% | 0.00% |
| AED 25K to less than AED 100K | 1.25% | 2.00% |
| AED 100K to less than AED 2M | 0.75% | 1.25% |
| AED 2M and above | 0.50% | 1.00% |
Terms and conditions apply
- Interest calculation is based on daily closing balances and is credited to Smart Saver account monthly
- The maximum number of withdrawals permitted per month for Smart Saver accounts are 1 (one) for Personal Banking
- Transfers to own Smart Saver accounts, Utility bill payments through Online Banking or Bank induced charges will not be considered as withdrawals. In case the number of monthly withdrawals is more than the permissible limits, the interest applied for the month will be calculated at the rate of 0.25% p.a.
USD
| USD Balance | Interest Rate % p.a. (Until November 30, 2022) | Revised Interest % p.a. (Effective 1st December 2022) |
|---|---|---|
| Less than USD 5K | 0.00% | 0.00% |
| USD 5K to less than USD 25K | 0.75% | 1.25% |
| USD 25K to less than USD 1M | 0.40% | 0.75% |
| Greater than USD 1M | 0.30% | 0.50% |
Terms and conditions apply
- Interest calculation is based on daily closing balances and is credited to Smart Saver account monthly
- The maximum number of withdrawals permitted per month for Smart Saver accounts are 1 (one) for Personal Banking
- Transfers to own Smart Saver accounts, Utility bill payments through Online Banking or Bank induced charges will not be considered as withdrawals. In case the number of monthly withdrawals is more than the permissible limits, the interest applied for the month will be calculated at the rate of 0.25% p.a.
GBP
| GBP Balance | Interest Rate % p.a. (Until November 30, 2022) | Revised Interest % p.a. (Effective 1st December 2022) |
|---|---|---|
| Less than GBP 5K | 0.00% | 0.00% |
| GBP 5K to less than GBP 25K | 0.40% | 0.75% |
| GBP 25K to less than GBP 1M | 0.30% | 0.50% |
| Greater than GBP 1M | 0.20% | 0.40% |
Terms and conditions apply
- Interest calculation is based on daily closing balances and is credited to Smart Saver account monthly
- The maximum number of withdrawals permitted per month for Smart Saver accounts are 1 (one) for Personal Banking
- Transfers to own Smart Saver accounts, Utility bill payments through Online Banking or Bank induced charges will not be considered as withdrawals. In case the number of monthly withdrawals is more than the permissible limits, the interest applied for the month will be calculated at the rate of 0.25% p.a.
AED
| AED Balance | Interest Rate % p.a. (Until November 30, 2022) | Revised Interest % p.a. (Effective 1st December 2022) |
|---|---|---|
| Less than AED 25,000 | 0.00% | 0.00% |
| AED 25K to less than AED 100K | 1.25% | 2.00% |
| AED 100K to less than AED 2M | 0.75% | 1.25% |
| AED 2M and above | 0.50% | 1.00% |
Terms and conditions apply
- Interest calculation is based on daily closing balances and is credited to Smart Saver account monthly
- The maximum number of withdrawals permitted per month for Smart Saver accounts are 1 (one) for Personal Banking
- Transfers to own Smart Saver accounts, Utility bill payments through Online Banking or Bank induced charges will not be considered as withdrawals. In case the number of monthly withdrawals is more than the permissible limits, the interest applied for the month will be calculated at the rate of 0.25% p.a.
USD
| USD Balance | Interest Rate % p.a. (Until November 30, 2022) | Revised Interest % p.a. (Effective 1st December 2022) |
|---|---|---|
| Less than USD 5K | 0.00% | 0.00% |
| USD 5K to less than USD 25K | 0.75% | 1.25% |
| USD 25K to less than USD 1M | 0.40% | 0.75% |
| Greater than USD 1M | 0.30% | 0.50% |
Terms and conditions apply
- Interest calculation is based on daily closing balances and is credited to Smart Saver account monthly
- The maximum number of withdrawals permitted per month for Smart Saver accounts are 1 (one) for Personal Banking
- Transfers to own Smart Saver accounts, Utility bill payments through Online Banking or Bank induced charges will not be considered as withdrawals. In case the number of monthly withdrawals is more than the permissible limits, the interest applied for the month will be calculated at the rate of 0.25% p.a.
GBP
| GBP Balance | Interest Rate % p.a. (Until November 30, 2022) | Revised Interest % p.a. (Effective 1st December 2022) |
|---|---|---|
| Less than GBP 5K | 0.00% | 0.00% |
| GBP 5K to less than GBP 25K | 0.40% | 0.75% |
| GBP 25K to less than GBP 1M | 0.30% | 0.50% |
| Greater than GBP 1M | 0.20% | 0.40% |
Terms and conditions apply
- Interest calculation is based on daily closing balances and is credited to Smart Saver account monthly
- The maximum number of withdrawals permitted per month for Smart Saver accounts are 1 (one) for Personal Banking
- Transfers to own Smart Saver accounts, Utility bill payments through Online Banking or Bank induced charges will not be considered as withdrawals. In case the number of monthly withdrawals is more than the permissible limits, the interest applied for the month will be calculated at the rate of 0.25% p.a.
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Requirements and documents for opening an account
Individuals
- Copy of passport(s) and original passport(s) for validation
- Sponsor's letter of no objection
- Salary certificate (in case of salary transfer accounts); in the absence of a salary certificate, any one of the following documents may be used:
- Appointment letter or copy of contract
- Payslip (less than 3 months old)
- Consolidated letter from HR for bulk accounts
- Most recent statement of account where your salary is being transferred
Self-employed (non-individuals)
- Commercial or Federal registration certificates (wherever applicable)
- Certificate of commencement of business (for Joint Stock Companies)
- Not applicable for company under formation
- Power of Attorney, if applicable
- Passport copies of the authorised signatories
- BOD resolution specifying the titles/designations of officials authorised to open/operate the account and the extent of their authority and themanner to operate the account
- Memorandum and Articles of Association to ascertain the period of company
- For public shareholding companies –a list of names and addresses of shareholders where share holdings exceed 5%
*additional documents may be required as per bank policy
- Interest rates are subject to change.
- The maximum number of withdrawals permitted per month for Smart S@ver accounts (AED, USD and GBP currencies) is one (1). In case the number of monthly withdrawals is more than the above permissible limits, the interest applied for the month will be 0.25% p.a.
- Transfers to own Smart S@ver accounts, utility bill payments through Online Banking or bank-induced charges will not be considered as withdrawals.
Individuals
- Copy of passport(s) and original passport(s) for validation
- Sponsor's letter of no objection
- Salary certificate (in case of salary transfer accounts); in the absence of a salary certificate, any one of the following documents may be used:
- Appointment letter or copy of contract
- Payslip (less than 3 months old)
- Consolidated letter from HR for bulk accounts
- Most recent statement of account where your salary is being transferred
Self-employed (non-individuals)
- Commercial or Federal registration certificates (wherever applicable)
- Certificate of commencement of business (for Joint Stock Companies)
- Not applicable for company under formation
- Power of Attorney, if applicable
- Passport copies of the authorised signatories
- BOD resolution specifying the titles/designations of officials authorised to open/operate the account and the extent of their authority and themanner to operate the account
- Memorandum and Articles of Association to ascertain the period of company
- For public shareholding companies –a list of names and addresses of shareholders where share holdings exceed 5%
*additional documents may be required as per bank policy
- Interest rates are subject to change.
- The maximum number of withdrawals permitted per month for Smart S@ver accounts (AED, USD and GBP currencies) is one (1). In case the number of monthly withdrawals is more than the above permissible limits, the interest applied for the month will be 0.25% p.a.
- Transfers to own Smart S@ver accounts, utility bill payments through Online Banking or bank-induced charges will not be considered as withdrawals.
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