Non-Salary Transfer

Non-Salary Transfer


  • Competitive interest rate starting at 14% per annum.
  • Minimum salary requirement: AED 10,000
  • No salary transfer required
  • Discount on interest rates when you purchase UNB Critical Illness Insurance

As the bank that cares, we understand that added conveniences can make a real difference to your life. That’s why we understand if you choose not to move your salary away from your existing bank. But that doesn’t mean that you shouldn’t be able to get a loan with us when you need financial assistance. 

We believe that everyone should be able to make their dreams come true. It doesn’t matter what kind of dreams those are – maybe you want to study further so that you can advance in your career, or maybe you simply need a little extra this month to get you through a challenging time – we’re here to help.

Fees and Tariffs

Processing fee  
1% of the principal loan amount (minimum AED 500 – maximum AED 2,500)  
Early settlement charges  
1% of outstanding balance  
Credit Life Insurance fee (mandatory)  
0.5% per annum of loan amount for each year of loan tenor (minimum AED 100)  


You do not need to have your salary transferred to a UNB account to apply for a UNB Non-salary Transfer Loan. 

Applicants must be:

  • Earning at least AED 10,000 per month
  • A UAE National or UAE resident
  • At least 25 years old at time of application
  • No older than 60 at loan maturity
  • Employed at your current employer for at least one year

Terms & Conditions

Terms & conditions apply

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. 

Approval of loans is at the discretion of the bank. All fees and charges are in line with the UAE Central Bank policies.