The UAE is establishing an advanced model for individual savings with innovative tools that enhance financial stability

The individual savings system in the UAE is witnessing rapid development, driven by the diversity of financial instruments and increasing awareness of the importance of long-term financial planning. The options now extend from traditional savings accounts and bank deposits, through institutional savings programs, to government bonds, in addition to innovative solutions related to investment or even gold.

The Individual Sukuk Initiative stands out as one of the most prominent savings tools in the country, allowing individual investors to invest in government treasury bonds compatible with the provisions of Islamic Sharia through the digital channels of the banks participating in the initiative within the country.

The initiative constituted a strategic step to enhance financial inclusion and expand the investor base in government financial instruments, by enabling citizens and residents to invest in amounts starting from 4,000 dirhams only, and it is consistent with the directives of the wise leadership in empowering society economically.

The Ministry of Finance signed several agreements within the “Individual Sukuk” initiative with local banks with the aim of enabling citizens and residents to invest in government Islamic treasury bonds, which are characterized by a low level of risk, making them a suitable option for individuals looking for stability and a periodic return.

In the same context, the National Bonds Group, which specializes in savings and investment and is compatible with the provisions of Islamic Sharia, since its establishment in 2006, has played a pivotal role in promoting the culture of saving in the Emirates, through a wide range of products targeting individuals of all segments.

The company provides flexible savings programs that allow you to start with small amounts, in addition to regular savings plans that help build gradual capital.

In a statement to the Emirates News Agency, WAM, Mohammed Qasim Al Ali, CEO of the National Bonds Group, confirmed the high levels of savings in the country as a result of its high culture, product diversity and flexibility with the acceleration of digital transformation.

He explained that the levels reached by the company, which exceed 18 billion dirhams in 2025, reflect the strength and durability of the UAE economy, and the strength of the labor market in the country, which continues to attract talent from different parts of the world.

He pointed out that the minimum investment in National Bonds starts from only 100 dirhams, compared to large amounts that may reach $200,000 in some other bonds.

Al-Ali said that the company is currently working on updating the rewards program and launching new products, including savings programs directed to families collectively to facilitate access to financial stability and health.

He praised the Individual Sukuk initiative launched by the Ministry of Finance, pointing out that spreading the culture of saving should not be limited to one party, but rather part of an integrated system that the state seeks to establish.

Banks operating in the country provide a wide range of savings programs that combine flexibility and returns, and include savings and investment savings accounts, which provide stable profit returns that are compatible with the provisions of Islamic Sharia, without restricting depositors’ funds.

Savings programs also include term deposits, which are traditional savings tools that provide fixed returns in exchange for freezing funds for a specific period extending from days to several years, with the possibility of choosing different return structures, in addition to savings programs linked to prizes, which give customers opportunities to win periodic financial prizes in addition to preserving their savings, which enhances the attractiveness of saving.

According to data from the Central Bank of the United Arab Emirates, savings deposits and term deposits in the country have witnessed steady growth over the past months and years, reaching record levels. The value of savings deposits reached 413.568 billion dirhams at the end of January 2026, while term deposits increased to exceed 1.186 trillion dirhams by the end of January 2026.

Many international bodies stress the importance of saving. A research working paper issued by the Organization for Economic Cooperation and Development revealed a growing trend among many governments in the world to encourage their citizens to increase their savings, noting that saving and investing by individuals is crucial to achieving personal financial well-being and general economic growth.