A fixed deposit locks money with a bank for an agreed time in return for a stated interest or expected profit rate. The best term depends on when you need the money, not only the highest rate.
What this means for you
Rates can change by deposit amount, currency, account type and term. Taking money out early can reduce the return or create a charge.
A simple way to decide
- 1 Choose an amount
- 2 Choose a term
- 3 Check early withdrawal
Before you apply
- Compare the rate for the exact amount and term you want.
- Check when interest or profit is paid and whether it is fixed or expected.
- Read the early withdrawal rule before placing the deposit.
Words you may see
- Minimum balance
- The amount you may need to keep in the account to avoid a fee or receive a benefit.
- Term
- The agreed time your money stays in a fixed deposit.
- Early withdrawal
- Taking fixed-deposit money out before the term ends, which can reduce the return or create a charge.
What the published product data shows
The examples below use published fields from the fixed-deposits records in our catalogue. A blank field means we did not find a reliable published value.
Abu Dhabi Commercial BankUpfront Interest Deposit
- Minimum deposit
- AED 25,000
- Interest or profit
- Up to 2.80% per year
- Return paid
- Upfront on day one
- Currency
- AED
Dubai Islamic BankAl Islami Investment Deposit
- Interest or profit
- Expected rate quoted when the deposit is booked
- Currency
- AED,USD,GBP,EUR,QAR
Emirates NBDEmirates NBD Fixed Deposit
- Minimum deposit
- AED 10,000
- Interest or profit
- Fixed at the prevailing rate until maturity
- Term
- 7 days to 5 years
First Abu Dhabi BankFAB Fixed Deposit
- Minimum deposit
- AED 5,000
- Interest or profit
- Fixed at booking
Emirates IslamicEmirates Islamic Booster Wakala Deposit
- Interest or profit
- Up to 3.40% p.a., subject to the current published offer
- Currency
- AED,USD
Commercial Bank of DubaiCBD Al Islami Mudaraba Investment Deposit
- Minimum deposit
- AED 10,000
These examples are for comparison, not rankings or approval promises. Rates, fees and eligibility can change; use the linked official document for the latest terms.
Official sources used
These bank pages, Key Facts Statements, fee schedules and terms support the product details in this guide. Open the latest version before applying.
- FAB personal banking feesFirst Abu Dhabi Bank · Fee-schedule-index
- Mashreq NEO service chargesMashreq · Fee-schedule-index
- Mashreq account terms and conditionsMashreq · Terms-and-conditions-index
- Emirates Islamic Key InformationEmirates Islamic · Key-facts-index
- Emirates NBD Term Deposits KFSEmirates NBD · Key-facts-statement
- ADCB Retail Banking Schedule of FeesAbu Dhabi Commercial Bank · Fee-schedule
- ADCB terms and conditionsAbu Dhabi Commercial Bank · Terms-and-conditions
- ADIB Business Savings, Investment, Wakala and Time Deposit key facts statementAbu Dhabi Islamic Bank · Key-facts-statement
- ADIB account and Islamic banking terms and conditionsAbu Dhabi Islamic Bank · Terms-and-conditions
- DIB Product Terms and ConditionsDubai Islamic Bank · Terms-and-conditions-index
- DIB Schedule of ChargesDubai Islamic Bank · Fee-schedule-index
- CBD personal fees and chargesCommercial Bank of Dubai · Fee-schedule
- CBD terms and conditionsCommercial Bank of Dubai · Terms-and-conditions
- FAB Fixed Deposit official product pageFirst Abu Dhabi Bank · Official-page