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Emarati Business Banking
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One family. Separate accounts. Many benefits.
Higher expected profit rates based on the account balances of all family members
Separate individual savings accounts for every account holder
50% discount on Processing fee* on Finances and vouchers of up to AED 700* on Cards
Shariah-compliant Wakala-based profit-bearing Account.
Higher expected profit rate paid on a pooled balance of all family members.
Up to 10 immediate family members can join the same pool to maximize expected profit potential.
100% complete account privacy for each Emarati Family Saving Account holder.
Each customer will have their own mobile/ internet banking access, debit card, and statement of account (where applicable).
No Minimum monthly balance or salary requirement for any linked family member.
No cheque book will be offered on this account.
Click here for Terms & Conditions.
Your account comes with more - finance discounts plus card vouchers and bonus EI SmartMiles.
*50% processing fee discount on Auto, Home (Up to AED 2500) 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 |
Click here for Terms & Conditions.
| Infinite & Signature Cards | Noon vouchers worth AED 700 |
| Platinum Cards | Noon vouchers worth AED 300 |
| Emarati Cards | 15,000 bonus EI Smartmiles |
Click here for Terms & Conditions.
Only a UAE National is eligible to open an Emarati Family Savings Account. Non-UAE Nationals cannot be primary members but can join as secondary members. *
A minimum of 2 and a maximum of 10 immediate family members can enjoy the pooled earnings.
The primary member must be at least 21 years old.
There is no age requirement for secondary members; however, minor accounts must be represented by a legal guardian.
A first-degree family relationship is required for linking accounts under the same household. Immediate family includes spouse, siblings, children, and parents.
The primary account holder must present proof of an immediate family relationship with the joint account applicant.
* Non-UAE National cannot be a primary member. Non-UAE National can avail the Emarati family Saving Account (as secondary member).
Expected profit will be paid monthly based on the average balances held in the Emarati Family Savings Accounts of all family members.
Expected profit is distributed on a monthly (calendar) 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 |
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.
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This is a Shariah-compliant Wakala-based savings account that enables you and your immediate family members to each open a zero-balance savings account with our exclusive Emarati debit card. All linked account holders under one family will also benefit from higher profit rates on their individual account balances based on the pooling of funds from all accounts under the family.
The account is offered in AED only.
Each individual may open one Emarati Family Savings Account.
No, there is no minimum balance requirement to open the account.
No, there is no “fall-below” fee associated with this account.
The account provides an ATM/debit card, but a cheque book is not offered.
Yes, SMS alerts will be provided for this account.
Profit is earned monthly at a higher rate based on the average pooled balance of all linked family accounts.
The average pooled balance refers to the daily closing balances across the month in each family member’s Emarati Family Savings Account, combined for the whole family.
Yes. You will earn profit even if you make withdrawals or debits from your account.
