Open an NBF Account and Earn up to 6.15% p.a. Bonus Interest
Valid Until 31 December 2026
Make More of Your Banking Relationship
Make More of Your Banking Relationship
Start your banking relationship with NBF and enjoy a promotional bonus interest rate based on the account you open, whether you transfer your salary and the six-month average balance you maintain.
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
- Available on eligible individual AED Current and Savings Accounts
- Qualify with a six-month average balance starting from AED 100,000
- Enjoy higher bonus interest rates with an eligible salary transfer
- Earn bonus interest on qualifying balances of up to AED 10 million
- Available to eligible New-to-Bank customers only
How It Works
- Open an Eligible Account
Open and obtain approval for an eligible individual AED NBF Current or Savings Account during the offer period. - Add Fresh Funds
Fund your eligible account with at least AED 100,000 in fresh funds by the last calendar day of the month following the month in which your account is opened. - Maintain Your Qualifying Balance
Maintain an overall average balance of at least AED 100,000 for six consecutive calendar months. The qualification period begins in the calendar month immediately following the month in which your account is opened.
- Receive Your Bonus Interest
Meet all applicable offer requirements and your bonus interest will be credited as a single payment within 45 days after the six-month qualification period ends.
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.
Earn More with Salary Transfer
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.
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 AED Current or Savings Account during the offer period.
For this offer, a New-to-Bank customer is an individual who does not have an existing banking relationship or hold an active account or product with NBF when the eligible account is opened.
You may also qualify if:
- You hold only a standalone NBF credit card and no other active NBF account or product.
- You are a former NBF customer whose previous banking relationship was fully closed on or before 31 December 2025, subject to meeting all other eligibility requirements.
Offer valid from 1 September until 31 December 2026.
Terms and conditions apply.
Frequently Asked Questions:
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.
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.
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.
Important Information
Account opening is subject to NBF’s policies, procedures, regulatory requirements, compliance review and approval criteria. Only one eligible account per customer will qualify. The eligible account must remain active and in good standing until the bonus interest is credited.
Promotional rates apply for a limited period and are subject to the applicable reward tier, account type, calculation methodology, salary-transfer status, eligibility requirements and full terms and conditions.
View Full Terms and Conditions
