Grow your money faster with up to 6.15% p.a. + up to AED 7,000 welcome bonus
Valid Until 31 December 2026
Make more of your banking relationship
Start your banking relationship with NBF and get more from your money.
Open an eligible NBF Current or Savings Account and you could earn up to 6.15% p.a. bonus interest, plus receive an additional one-time joining bonus of up to AED 7,000.
Offer at a glance
- Earn up to 6.15% p.a. bonus interest with salary transfer.
- Earn up to 5.75% p.a. bonus interest without salary transfer.
- Receive an additional joining bonus of up to AED 7,000 when you maintain the qualifying Monthly Average Balance (MAB)*.
- Joining bonus starts from a qualifying MAB of AED 350,000.
- Joining bonus is available on eligible individual Current and Savings Accounts.
- Available to eligible New-to-Bank customers only.
Get an additional joining bonus of up to AED 7,000
New-to-Bank customers who open an eligible NBF Current or Savings Account during the Joining Bonus Campaign Period and maintain the required Monthly Average Balance for three consecutive months may receive a one-time cash joining bonus of up to AED 7,000.
Joining bonus based on your transferred salary
Monthly Average Balance | One-time joining bonus |
AED 350,000 to less than AED 1,000,000 | AED 1,000 |
AED 1,000,000 to less than AED 3,000,000 | AED 4,000 |
AED 3,000,000 or more | AED 7,000 |
The applicable joining bonus is determined based on the lowest Monthly Average Balance maintained across the three-month qualification period. If your MAB falls below AED 350,000 in any month during this period, you will not qualify for a joining bonus.
How to qualify for the joining bonus
- Open an eligible account
Open an eligible individual NBF Current or Savings Account during the campaign period. Eligible accounts include Conventional and Islamic Current and Savings Accounts. Max Saver and Twin Benefit accounts are excluded.
- Add fresh funds
Fund your new account with fresh funds brought into NBF from outside the Bank. Transfers between NBF accounts and funds already held with NBF do not qualify as fresh funds.
- Maintain your qualifying balance
Maintain a minimum MAB of AED 350,000 for three consecutive calendar months, starting from the month immediately following the month in which your account is opened.
- Receive your joining bonus
The reward will be credited as a single consolidated amount to your eligible AED-denominated Current or Savings Account.
For example, if you open your account in October 2026, your joining bonus qualification period will run from 1 November 2026 to 31 January 2027. If you meet all applicable eligibility requirements, your one-time joining bonus will be credited on or before 15 April 2027.
Earn up to 6.15% p.a. bonus interest
In addition to the joining bonus, eligible New-to-Bank customers can continue to benefit from the existing NBF bonus interest offer.
With an eligible NBF Current Account, customers can earn up to 6.15% p.a. with salary transfer or up to 5.75% p.a. without salary transfer, based on the applicable six-month average balance tier.
NBF Current Account bonus interest rates
| Six-month average balance | With salary transfer | Without salary transfer |
| AED 100,000 to AED 349,999.99 | 5.15% p.a. | 4.90% p.a. |
| AED 350,000 to AED 699,999.99 | 5.25% p.a. | 5.00% p.a. |
| AED 700,000 to AED 999,999.99 | 5.50% p.a. | 5.25% p.a. |
| AED 1,000,000 to AED 2,999,999.99 | 5.70% p.a. | 5.50% p.a. |
| AED 3,000,000 to AED 5,999,999.99 | 5.90% p.a. | 5.70% p.a. |
| AED 6,000,000 to AED 10,000,000 | 6.15% p.a. | 5.75% p.a. |
NBF Savings Account bonus interest rates
| Six-month average balance | With salary transfer | Without salary transfer |
| AED 100,000 to AED 349,999.99 | 4.90% p.a. | 4.65% p.a. |
| AED 350,000 to AED 699,999.99 | 5.00% p.a. | 4.75% p.a. |
| AED 700,000 to AED 999,999.99 | 5.25% p.a. | 5.00% p.a. |
| AED 1,000,000 to AED 2,999,999.99 | 5.45% p.a. | 5.25% p.a. |
| AED 3,000,000 to AED 5,999,999.99 | 5.65% p.a. | 5.45% p.a. |
| AED 6,000,000 to AED 10,000,000 | 5.90% p.a. | 5.50% p.a. |
The bonus interest rates shown are promotional rates and do not represent the standard interest rates applicable to the accounts. Please refer to the applicable Key Facts Statement and Schedule of Fees and Charges for standard account features, rates and charges.
Who can apply?
The offer is available to eligible UAE nationals and expatriates who qualify as New-to-Bank customers and open an eligible individual account during the applicable campaign period.
For the joining bonus, a New-to-Bank customer is an individual who does not have an existing banking relationship with NBF and does not hold an active NBF product when opening the account.
You may also qualify if:
- You hold only a standalone NBF credit card and no other active NBF product.
- You are a former NBF customer whose previous banking relationship was fully closed on or before 31 December 2025, provided all other eligibility requirements are met.
The Bonus Interest campaign is valid from 10th September 2026 to 31st December 2026
*The joining bonus campaign runs from 12 October to 31 December 2026, inclusive.
Terms and conditions apply.
Important information
The bonus interest and joining bonus are subject to their respective qualifying criteria, balance requirements, qualification periods and terms and conditions.
For the joining bonus, customers must maintain the applicable MAB for three consecutive months commencing from the month following account opening. The joining bonus is based on the lowest MAB recorded across those three months.
Account opening is subject to NBF’s policies, procedures, regulatory requirements, compliance review and approval criteria.
Relevant Links
FAQs
What Are Fresh Funds?
Fresh funds are funds newly brought into NBF from outside the Bank during the offer period. These may include:
- Transfers from other local or international banks
- Eligible salary credits
- Cash deposits from external sources
- Proceeds from cheques or remittances
Transfers between NBF accounts, funds already held with NBF, rollovers and transfers originating from NBF corporate accounts do not qualify as fresh funds.
Which accounts are eligible?
The offer applies to eligible individual Conventional Current Accounts and Conventional Savings Accounts denominated in AED. Max Saver, Twin Benefit and foreign-currency accounts are not eligible.
How can I qualify for the Salary transfer Bonus Interest rate?
To qualify for a salary-transfer bonus interest rate:
- Your salary must be credited to an eligible NBF account every month throughout the six-month qualification period.
- Your salary-transfer arrangement must remain active until the bonus interest is credited.
- Your salary must be credited by your employer through UAEFTS, WPS or another transaction clearly identified as salary.
Cash deposits, cheque deposits and transfers from personal accounts are not considered eligible salary credits. If you no longer meet the salary-transfer requirements, you may qualify for the applicable non-salary-transfer rate, provided all other offer conditions are met.
When does the six-month qualification period begin?
It begins on the first day of the calendar month immediately following the month in which your eligible account is opened and continues for six consecutive calendar months.
For example, if your account is opened on 15 September 2026, your qualification period will run from 1 October 2026 to 31 March 2027.
By when must I fund my account?
Your eligible account must be funded with at least AED 100,000 by the last calendar day of the month following the account-opening month.
For example, if your account is opened on 15 September 2026, it must be funded with at least AED 100,000 by the end of 31 October 2026.
How is my six-month average balance calculated?
It is calculated by adding the daily end-of-day balances maintained in your eligible account during the six-month qualification period and dividing the total by the number of calendar days in that period.
What is the maximum balance eligible for bonus interest?
Bonus interest is calculated on qualifying balances of up to AED 10 million. Any amount above AED 10 million will not be included in the calculation.
When will I receive my bonus interest?
Your bonus interest will be credited as a single payment within 45 days after the six-month qualification period ends, subject to meeting all applicable offer requirements.
Do I need to maintain a balance after the qualification period?
Yes. Until the bonus interest is credited, you must maintain at least AED 100,000 in the qualifying account, another NBF account or accounts, or an NBF Term Deposit.
Can I receive partial bonus interest?
No. Partial or prorated bonus interest will not be paid if you do not meet the applicable offer requirements.
