Emirati Al Awwal Savings Certificate

Save and win with Emirati Al Awwal Islamic certificates exclusively for Emirati Nationals

Apply now

Emirati Al Awwal Islamic certificates are designed exclusively for UAE nationals, offering you entry into the regular draws and a chance to win AED 1 million and other prizes. You can also enjoy assured attractive annual profits on Emirati Al Awwal.

Limited time offer

Chances to win up to AED 3 million in prizes through regular draws including:

Mega prize of AED 1 million for one winner, per year
Quarterly prize of AED 200,000 for one winner
Monthly prizes of AED 5,000 for 20 winners
Anticipated profit rate of 0.50% p.a.

Features

Shariah-compliant

Exclusively available for UAE nationals

Value of each Emirati Al Awwal certificate is AED 1,000

Certificates are available in AED only

The minimum holding period for monthly draws is 30 days and 90 days for quarterly and annual draws

Attractive assured profit rates which will be credited annually to the linked account

Certificates can be purchased on behalf of a minor

Each certificate provide 1 chance into the regular draws

Draw type	Number of prizes	Prize in AED	Draw dates
Annual draw	1	1,000,000	December 28th
Quarterly draw	1	200,000	March 14th June 13th September 12th December 28th
Monthly draw	20	5,000	January: January 17th February - November: 2nd Tuesday of every month December: December 28th

All the draws take place under the supervision of the Department of Economic Development (DED), Abu Dhabi.

For more information on Emirati Al Awwal Islamic certificate, please visit any FAB branches throughout the UAE, or call our customer service center (24 hours) on 600544400.

Find out more about our Terms & Conditions

The Shariah rulings ('Fatwa') issued by FAB ISSC for Emirati Al Awwal Islamic Certificate (Mudarabah)

PDF

Last updated 19/1/2023

Click here to view the Key Fact Statement

PDF