UAE FD Rates: 12-Month Fixed Deposit Rates by Bank
Fixed deposit rates in UAE for a 12-month term, read from each bank's own website on 8 November 2026 and set against the CBUAE Base Rate.
What are the fixed deposit rates in UAE today?
On 8 November 2026, published 12-month fixed deposit rates at UAE banks ranged from 0.80% to 4.50%. The CBUAE Base Rate is 3.90%.
- HSBC UAE: 4.50% interest — minimum AED 10,000
- Emirates Islamic: 4.30% expected profit — minimum AED 25,000
- FAB: 4.15% interest — minimum AED 5,000
- ADCB: 4.00% interest — minimum AED 5,000
Benchmark: CBUAE Base Rate
The CBUAE Base Rate is 3.90%, effective 17 September 2026 and maintained on 28 October 2026. CBUAE announcement
Fixed deposit rates UAE — 12 months
| Bank | Product | Rate (12 months) | vs CBUAE Base Rate (3.90%) | Minimum deposit | Conditions |
|---|---|---|---|---|---|
| HSBC UAE | Term Deposit | 4.50% interest | +0.60 pp | AED 10,000 | Promotional rate for new funds |
| Emirates Islamic | Upfront Profit / Booster Wakala Deposit | 4.30% expected profit | +0.40 pp | AED 25,000 | Islamic Wakala deposit; expected profit rate |
| FAB | Fixed Deposit | 4.15% interest | +0.25 pp | AED 5,000 | Slab up to AED 1 million; bank rate table dated 6 Nov 2026 |
| ADCB | Fixed Deposit | 4.00% interest | +0.10 pp | AED 5,000 | Limited-period promotion |
| Liv | Fixed Deposit (Liv Max) | 3.50% interest | −0.40 pp | — | Liv Max with salary transfer; interest paid upfront |
| Wio | Fixed Saving Space | 3.25% interest | −0.65 pp | AED 0 | Fixed Saving Space |
| Mashreq | Fixed Deposit | 3.07% interest | −0.83 pp | AED 2,500 | Standard (rack) rate, updated weekly by the bank |
| ADIB | Investment Deposit Account | 0.80% actual profit | −3.10 pp | AED 10,000 | Islamic deposit; actual profit distributed for September 2026 |
| Emirates NBD | Fixed Deposit | See the bank’s rate calculator | — | — | Rate is shown in the bank's interactive calculator, not in a static table — check it on emiratesnbd.com |
Sources (official bank pages)
Emirates Islamic — Upfront Profit / Booster Wakala Deposit
Frequently Asked Questions
Which bank has the best fixed deposit rates in UAE?↓
On 8 November 2026, the highest 12-month rate in this table was HSBC UAE at 4.50% interest (Promotional rate for new funds; minimum AED 10,000). Promotional rates can be limited to new funds or a set period, so read the conditions on the bank's page before you deposit.
How do UAE FD rates compare with the CBUAE Base Rate?↓
The CBUAE Base Rate is 3.90%. On 8 November 2026, 4 of the 8 published 12-month rates in this table were above it. The table shows each rate's difference from the Base Rate in percentage points (pp).
What is the difference between interest and expected profit?↓
Conventional fixed deposits pay interest. Islamic deposits pay profit instead: banks quote an expected profit rate, and the profit actually paid can differ from it. ADIB publishes the actual profit it distributed, which is the figure shown here.
What is the Emirates NBD fixed deposit rate?↓
Emirates NBD shows its fixed deposit rate in an interactive calculator on its website rather than in a static table. Check the rate for your amount and tenor on emiratesnbd.com.