Al Awwal Savings Certificate


  • Entries to the grand yearly draw, with chances to win prizes worth 10 times the value of your saving, up to AED 5 million
  • Entries to the quarterly draw, with chances to win prizes worth of AED 1 million
  • Entries to the monthly draw, with chances to win any of 2,151 prizes to the value of AED 100 to AED 50,000
  • Immediate entry to the draws provided that amount is within eligibility criteria (no holding period)
  • Free application fee to invest
  • Loyalty entries (double customer chances) will be granted to customers holding Al Awwal Savings Certificates for 1 year or more

It’s impossible to know what the future has in store. Of course, we all hope that fortune will favour us, but there’s no way of knowing.

That’s why you’ll welcome UNB’s Al Awwal Savings Certificate. Not only is it an effective savings tool, but you’ll also stand the chance of winning up to AED 5 million yearly, AED1 million quarterly, or one of more than 2,151 prizes monthly.

You can save in denominations of AED 100, AED 200 and AED 500.

Suddenly, the future looks far brighter.

Fees and tariffs

No application fee  
1% penalty to redeem before lock-in period  


For the beneficiary (person in whose name the certificate will be issued): 

  • Only individuals under single or joint names
  • Residents and non-residents 
  • No minimum or maximum age. 

For the applicant (person or company buying the certificate): 

  • Individual residents and non-residents 
  • Companies based in the UAE buying for individuals 
  • Minimum age 18 years for individuals, no maximum age 
  • To avail credit facilities, minimum age should be 21. 

Draw eligibility 

  • Grand yearly & quarterly draws minimum amount invested AED 20,000
  • Monthly draws minimum amount invested AED 5,000

Terms & Conditions

Terms & conditions apply

The bank reserves the right to change the interest rates, fees & tariffs, charges and terms & conditions at its own discretion, without any prior notice.