The gap between the best and worst AED savings account is more than 6% a year, and most of it hides in the fine print.
Click a column header to sort.
Rates change: verify with the bank before you move money. Figures are as of July 2026, last reviewed 2 July 2026.
| Bank / account | Headline rateiMost figures are "up to" rates: the top of a tiered or conditional structure. The conditions column shows what you must meet to earn the full rate. ▼ | Conditions (the fine print) | TypeiConventional accounts pay contractual interest. Islamic accounts pay an expected profit rate (Mudaraba or Wakala) declared by the bank; it is not guaranteed in advance. |
|---|---|---|---|
Mashreq NEO Plus Saver | up to6.25% | Top rate needs a monthly salary transfer of AED 10,000+; 5.00% instead with an AED 50,000+ balance and no salary. Paid on balances up to AED 500,000; two withdrawals a month, a third forfeits that month’s interest. | Conventional |
RAKBANK RAKbooster | up to6.25% | Promotional 6.25% p.a. until 31 August 2026 on eligible balances (conditions apply). Outside the promo, standard RAKbooster tiers are far lower, roughly 0.25% to 0.75%, with bonus interest in months with no debits. Confirm the current promo terms with the bank. | Conventional |
Wio Bank Fixed Saving Spaces (Salary/Family plan) | up to6.00% | 6% p.a. on 1-month fixed spaces for salaried customers on the Salary plan (salary AED 15,000+, or AED 5,000 at partner employers) or with the Family plan, plus about AED 5,000 of monthly spend; applies on balances up to AED 1,000,000. Other tenures and plans pay less. | Conventional |
ADCB Super Saver (bonus on new funds) | up to5.00% | Up to 5.00% in total, but the bonus is paid only on new-to-bank funds above your October 2025 benchmark balance. Minimum AED 50,000 monthly average balance (tiers up to AED 20M); existing balances earn the low base rate only. | Conventional |
Emirates Islamic e-Savings (new-funds promo) | up to5.00% | Promotional 5.00% expected profit on new funds of AED 50,000+ (1 May to 31 July 2026, includes a 1% salary-transfer bonus); new funds above AED 3.5M revert to standard slabs. Standard book rates are only 0.50–1.50%. | Islamic · profit |
FAB iSave | up to4.00% | 4.00% on new funds until 31 August 2026: no minimum balance, no salary transfer, unlimited withdrawals. Standard tiered rates are far lower (about 2.5% below AED 500k, topping out near 3.25% above AED 5M). | Conventional |
Liv (Emirates NBD) Goal Account (Max tier) | up to4.00% | Needs the paid Liv Max tier: 3.50% on the first AED 500,000 in goals, +0.50% with a salary transfer (AED 5,000+/month). The free Classic tier pays 0% since March 2026; balances above the cap earn 0.50–1.00%. | Conventional |
Emirates NBD Plus Saver (ENBD X) | up to3.50% | Up to 3.5% p.a., tiered by balance. Maximum 5 withdrawals a month, otherwise that month pays just 0.25%. New-money promos (5% ran until 30 June 2026) appear periodically; the standard savings account still pays ~0.2%. | Conventional |
"Up to" means the top of a tiered or conditional structure; Islamic accounts pay an expected profit rate, not contractual interest.
Pick a balance, a monthly top-up and a rate from the table; we compound monthly and compare against a 0.20% legacy account.
Assumes the rate holds and compounds monthly on the full balance: treat this as the best case.
Educational tool only. Not financial, legal or tax advice. Rates, conditions and product details are as of July 2026, compiled from bank rate sheets, key facts statements and published comparisons; they change without notice and some figures are indicative. Always verify the current rate, conditions and deposit-protection status directly with the bank and the Central Bank of the UAE before acting.
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