Last Updated on 02 June 2026
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Emirates Islamic Emarati Family Savings Account
Emarati Family Savings Account
Features
- Shariah-compliant Wakala-based savings account.
- Family pooling feature for higher profit earnings.
- Higher expected profit rates based on the combined balances of all linked family members.
- Link between 2 and 10 immediate family members under one family pool.
- Separate savings account and debit card for each family member.
- 50% discount on processing fees on eligible finance products.
- Card-related vouchers worth up to AED 700 on eligible card products.
- 100% account privacy for every individual family member.
- Monthly profit payout based on pooled balances.
- Profit calculated on the average pooled family balance.
- No cheque book facility.
- Access through Emirates Islamic Mobile Banking and Online Banking.
- Available only in AED.
- No minimum balance requirement.
- No salary transfer requirement.
- Flexible access to funds.
- Interest rate up to 0.75% pa
Required Documents
- Emirates ID (mandatory for UAE nationals)
- Family members’ identification documents
- Proof of relationship (first-degree family members only)
- Account opening form
- Legal guardian documents (for minors)
- Only available for UAE nationals
- Minimum 2 members required, maximum 10
- Primary member must be 21 years or older
- Only immediate family members can be linked
- The following documents are required to confirm immediate family members.
- Marriage certificate
- EIDA of each member
- Khulasat-al-Qaid
- Passport of each member
Main Benefits
- Earn higher expected profit rates through family balance pooling.
- Save together as a family while maintaining separate accounts.
- Retain complete privacy and independent control over your account.
- Receive monthly profit payouts.
- Benefit from special finance processing fee discounts.
- Enjoy eligible card-related vouchers and offers.
- No minimum balance requirement.
- No fall-below fee.
- No salary transfer requirement.
- Convenient digital banking access.
- Suitable for immediate family members, including eligible minors.
- Shariah-compliant savings solution for UAE national families.
Frequently Asked Questions
Q. What is the Emirates Islamic Emarati Family Savings Account?
A. The Emarati Family Savings Account is a family-focused Wakala savings account that allows UAE national families to combine balances and benefit from higher expected profit rates.
Q. Who can open the Emarati Family Savings Account?
A. The account is available exclusively to UAE nationals and their immediate family members who meet the bank's eligibility criteria.
Q. How many family members can be linked to the account?
A. You can link a minimum of 2 and a maximum of 10 immediate family members under one family savings relationship.
Q. Is there a minimum balance requirement for the Emarati Family Savings Account?
A. No. The account does not require a minimum balance.
Q. How is profit calculated on the Emarati Family Savings Account?
A. Profit is calculated based on the average pooled balance maintained across all linked family accounts.
Q. How often is profit credited?
A. Profit is distributed on a monthly basis.
Q. Does each family member have a separate account?
A. Yes. Every family member maintains a separate savings account, debit card, and banking access.
Q. Can family members see each other's account information?
A. No. Each account holder retains complete privacy and independent control over their account.
Q. Can minors be included in the family savings pool?
A. Yes. Minors may be included under the supervision of a parent or legal guardian.
Q. Is salary transfer required to open the account?
A. No. Salary transfer is not required.
Q. Does the account provide a cheque book?
A. No. Cheque book facilities are not available with this account.
Q. Is the Emarati Family Savings Account Shariah-compliant?
A. Yes. The account is fully Shariah-compliant and operates under the Wakala structure.
Q. What currency is the Emarati Family Savings Account available in?
A. The account is available only in UAE Dirham (AED)
Q. Is there a fall-below fee if the balance decreases?
A. No. There is no fall-below fee because the account does not have a minimum balance requirement.
Q. Can I access my account through digital banking channels?
A. Yes. The account can be managed through Emirates Islamic Mobile Banking and Online Banking services.
Emirates Islamic
In order to deliver high standards of banking services, Emirates Islamic Bank was established in the year 2004. The bank is aimed to deliver services in accordance with the standards of Shariah principles. It offers a wide range of products that are designed exclusively for individuals, small businesses and large corporations.
Get in touch with Emirates Islamic Customer Care