One of the most secure and trusted modes of investment that a person can invest in the UAE is the fixed deposits (FDs). As a resident or an expatriate, fixed deposits provide a low-risk income for your savings to grow at a fixed rate. The preference of FDs lies in the fact that they offer a specified return and are secure against market risks as well as flexible in tenures. By selecting the appropriate bank and tenure, one can get the best returns out of it without having to fear market risks.
In this guide, I will give all the details regarding the highest fixed deposit rates in the UAE in 2025.
What is a Fixed Deposit?
Fixed Deposit (time deposit or term deposit) is a financial instrument provided by banks in which you park your money for a certain period at a fixed rate of interest or profit rate over a specified time. You get paid a guaranteed return on maturity by the bank in exchange.
Why Fixed Deposits Are a Wise Choice
- Low-risk investment
- Guaranteed returns
- Flexible tenures (from 1 month to several years)
- Easy to open and manage
- Can be used as collateral for loans
You can also try our fixed deposit calculator.
Mashreq Fixed Deposit Rates
| Tenure | Interest Rate (per annum) | Minimum Amount |
|---|---|---|
| 1 month | 1.43% | AED 10,000 |
| 3 months | 1.55% | AED 10,000 |
| 6 months | 1.68% | AED 10,000 |
| 9 months | 1.84% | AED 10,000 |
| 12 months | 2.20% | AED 10,000 |
Emirates Islamic Bank Fixed Deposit Rates
| Tenure | Profit Rate (p.a.) | Minimum Amount (AED) |
|---|---|---|
| 1 Year – Monthly | 2.95% | 25,000 |
| 1 Year – Quarterly | 3.00% | 25,000 |
| 1 Year – Half-yearly | 3.05% | 25,000 |
| 1 Year – Yearly | 3.30% | 25,000 |
| 2 – 5 years | 3.00% | 25,000 |
DIB Fixed Deposit Rates
| Tenure | Interest Rate (p.a.) | Minimum Amount (AED) |
|---|---|---|
| 3 months | 3.90% | 25,000 |
| 6 months | 3.80% | 25,000 |
| 9 months | 3.75% | 25,000 |
| 12 months | 3.55% | 25,000 |
| 12 months | 3.95% | 100,000 |
| 18 months | 3.50% | 25,000 |
Emirates NBD Fixed Deposit Rates
| Tenure | Interest rate per annum | Minimum amount |
|---|---|---|
| 3 months | 2.15% | AED 10,000 |
| 6 months | 2.15% | AED 10,000 |
| 12 months | 2.15% | AED 10,000 |
| 24 months | 1.75% | AED 10,000 |
| 36 months | 1.50% | AED 10,000 |
ADCB Bank Fixed Deposit Rates
| Tenure | Interest Rate (per annum) | Minimum Amount |
|---|---|---|
| 3 months | 3.00% | AED 25,000 |
| 6 months | 3.10% | AED 25,000 |
| 9 months | 3.15% | AED 25,000 |
| 12 months | 3.15% | AED 25,000 |
| 18 months | 2.50% | AED 25,000 |
| 30 months | 2.55% | AED 25,000 |
| 36 months | 2.65% | AED 25,000 |
National Bank of Bahrain
| Tenure | Interest Rate (per annum) | Minimum Amount |
|---|---|---|
| 1 month | 1.01% | Up to AED 100,000 |
| 3 months | 0.91% | Up to AED 100,000 |
| 6 months | 0.91% | Up to AED 100,000 |
| 12 months | 1.10% | Up to AED 100,000 |
Read Also: Dubai Summer Surprises 2025: Sales, Raffles & Fun
How do You Open a Fixed Deposit in the UAE?
In the UAE, opening an FD is generally a very easy procedure.
Steps You Can Follow
- Choose the bank and deposit plan
- Gather your documents (Emirates ID, passport, proof of income)
- Visit the branch or open online (if supported)
- Transfer your deposit amount
- Confirm your tenure and profit payout option
Most banks now offer online FD booking through their mobile apps or internet banking.
Tips to Maximize Your Fixed Deposit Earnings
Diversify Across Banks
Why put all your money in one FD and lock it when you can divide your money between 2-3 banks that offer the best rates? This lowers risk and raises average return.
Choose Monthly or Quarterly Payouts
In case you need periodic income, then seek FDs that pay interest monthly or quarterly. This is the flexibility that is provided by Emirates Islamic Bank.
Take Advantage of Promotions
Other banks offer promotional rates on large sums of deposits or for first-time customers. Always enquire about such deals with your bank representative.
Reinvest the Returns
The force of compounding is strong. Rather than taking the interest accrued, reinvest it. This can increase your corpus in a couple of years.
FAQS
Is it possible to early break a fixed deposit?
Yes, but banks normally levy a fine or cut the interest rate.
Are the interest incomes taxed in the UAE?
No, individual income on FDs is not taxed in UAE.
Am I able to open a fixed deposit online?
The majority of the banks in the UAE will enable you to open an FD online on mobile or internet banking.
Which bank has the highest fixed deposit rate on AED 100, 000?
The highest in 2025 is at the moment Dubai Islamic Bank (3.95% 12 months).
Read Also: E303 Bus Sharjah to Dubai: Timings, Route & Fare Guide
Final Thoughts
Writing on financial issues as I have done over the decades, I can assure you, fixed deposits are a thing of beauty, a safe way to keep and increase your money. However, you have to make a good choice. I have made the effort to compare the best fixed deposit rates in the UAE in 2025 so that you do not have to do the legwork.
Are you a careful saver or an experienced investor seeking reliable income? In the UAE, there is an FD plan that is tailored just for you.
