Best Fixed Deposit Rates in UAE 

Fixed Deposits (FDs) are one of the safest ways to grow your savings in the UAE. They offer guaranteed returns and flexible tenures, usually from 1 month to 5 years.

If you are planning to invest, here’s a simple guide to banks in the UAE offering competitive fixed deposit rates in 2026.

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  1. Emirates NBD

Highlights:

• Competitive FD rates

• Tenure from 1 month to 5 years

• Minimum deposit starting from AED 10,000

• Available in AED and foreign currencies

Best For: Flexible tenure and strong bank reputation

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  2. ADCB

ADCB offers attractive promotional FD rates, especially for longer tenures.

Features:

• Special rates for 6–12 months

• Online booking via app

• Option for monthly or maturity payout

Best For: Short to mid-term investors

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  3. Dubai Islamic Bank

Offers Sharia-compliant fixed deposit (Term Investment) options.

Benefits:

• Profit-based returns

• Flexible tenure options

• AED and foreign currency deposits

Best For: Islamic banking customers

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  4. Mashreq

Mashreq provides competitive interest rates for digital customers.

Highlights:

• Higher rates for online deposits

• Flexible maturity options

• Easy renewal process

Best For: Digital banking users

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  5. HSBC UAE

HSBC offers fixed deposits for both residents and international customers.

Key Points:

• Multi-currency deposits

• Strong global reputation

• Suitable for premium banking clients

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  Typical FD Rates in UAE (2026)

Rates vary based on tenure and bank, but generally:

• 3 months: 3.5% – 4.5%

• 6 months: 4% – 5%

• 12 months: 4.5% – 5.5%

• 2–3 years: 4% – 5%

(Note: Rates change frequently. Always check the bank website before investing.)