Al Awwal Savings Certificate


  • Entries to the bimonthly draw, with chances to win AED 1 million
  • Entries to the monthly draw, with chances to win AED 100,000
  • Entries to the monthly draw, with chances to be one of our 2,100 winners of AED 100 to AED 1,000
  • Immediate entry to the draws provided that amount is within eligibility criteria (no holding period)
  • Free application fee to invest

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 AED 1 million every two months, AED 100,000 monthly or from our 2,100 monthly prizes.

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

Suddenly, the future looks far brighter.

Click here for the full List of Grand Winners.

Fees and tariffs

No application fee  
2% 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 

  • Bimonthly draws; minimum amount invested AED 20,000
  • Monthly draws for AED 100,000 prize; minimum amount invested AED 5,000
  • Monthly draws for AED 1,000 and AED 100prizes; minimum amount invested AED 1,000

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.

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