Everyday Interest Savings Account


  • A bank account with as little as AED 3,000 as an opening deposit
  • Interest rate of up to 2.15% per annum
  • Daily interest payout
  • Discounts at selected outlets through your UNB card
  • Personalised debit card for complete financial freedom
  • Free online and mobile banking
  • Free SMS notifications & e-statements, so you can track all your transactions
  • 24/7 access to our Call Centre


Imagine if your investment grew daily, with no effort on your part. 

With UNB’s Everyday Interest Savings Account, you don’t have to imagine. You can simply sit back and enjoy the interest accruing to your funds every single day. 

What’s more, the higher your balance, the more interest you’ll earn. You earn interest on your daily balance, and as your savings balance grows, we increase your interest rate. 

We think of it as the ultimate win-win scenario. 

This account is available in AED currency only. 

Here’s an idea of the interest you can expect to earn with an Everyday Interest Savings Account:

Account Balance (AED)Interest Rate* (per annum)
< 3,000    0.00%
AED 3,000 - < AED 10,0000.00%
AED 10,000 - < AED 100,0001.70%
AED 100,000 – < AED 500,0001.70%
AED 500,000 – < AED 1,000,0001.80%
AED 1,000,000 - <AED 2,000,000 1.80%
AED 2,000,000 - <AED 5,000,000 2.00%
>= AED 5,000,000 2.00%

*Rates are subject to change. 

Fees and tariffs

Account opening fees:  
Closing fees:  
AED 105, if closed within a year. No charges apply after one year  
Initial deposit amount:  
AED 3,000  
Balance requirement:  
AED 3,000 monthly average balance  
Minimum balance maintenance charges:  
AED 26.25  
Semi-annual charges:  
Annual charges:  
Transaction fees:  
One free debit transaction per month, thereafter AED 31.50 per transaction (for withdrawals, purchases and transfers between accounts)  
Fees & Charges are in line with UAE central Bank policies and inclusive of VAT (Value Added Tax)  


Applicants must be

  • An individual
  • Able to maintain a monthly average balance of AED 3,000 or more.

Terms & Conditions

Terms & conditions apply

The UNB Everyday Interest Savings Account is a special savings account that accrues and applies interest on a daily basis.


  • Only individuals are eligible to open Everyday Interest Savings Account. 
  • The account can be opened only in AED. 

Balance Requirement 

  • A minimum balance of AED 3,000 is required. 
  • Non-maintenance of minimum balance will levy a monthly charge of AED 26.25. 
  • The Bank reserves the right to amend the balance requirement at its own discretion, without informing customers. 

Interest Rate 

  • Interest rates as defined by the Bank from time to time will apply to the Everyday Interest Savings Account. 
  • You can find out the interest rates at UNB branches or by calling our Call Centre. 
  • These rates are subject to change at the discretion of the Bank, without informing customers. 

Interest Application 

  • A minimum end of day balance of AED 3,000 is required for the daily interest application to the account. 
  • Interest application on any particular day will not take place for accounts with less than AED 3,000 as an end of day balance. 
  • Interest application will happen on a daily basis and will be credited to the account. 


  • A debit card is available for the account. 
  • No cheque book facility is available for the Everyday Interest Savings account. 
  • Other tariffs pertaining to the account are available at UNB branches. 


  • You can make one free debit transaction per month. 
  • More than one debit transaction per month will levy a charge of AED 31.50 per transaction. 
  • There are no restrictions to the number of credit transactions you can make to your Everyday Interest Savings Account in a month.
  • The Bank reserves the right to change its policy on debit and credit transactions at its own discretion, without informing customers. The bank reserves the right to stop this offer at its own discretion, without informing customers and to amend (add to or delete any of) the Terms & Conditions.

Discover more offers