Last Updated on 17 November 2025
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Emirates NBD Early Saver Account
Early Saver Account
Features
- Tiered Interest Rates: This savings account offers a competitive, two-tier interest structure to maximize returns. You earn 0.50% per annum on balances up to AED 5,000 and 0.75% per annum on balances above AED 5,000.
- Automated Savings Plan: The account features an innovative automatic sweep facility. You can set a balance limit, and any excess funds are automatically transferred to a linked 12-month EarlySaver Deposit, which earns a higher interest rate.
- Digital-First Management: Open and manage the account entirely through Emirates NBD's Online Banking platform, providing ultimate convenience for parents.
- Optional Debit Card: You have the choice to issue a supplementary debit card for your child, allowing them to learn about spending responsibly.
- Dedicated Children's Accounts: You can open a separate EarlySaver Account and linked deposit for each of your children, keeping their savings distinct and organized.
- Monthly E-Statements: Receive free electronic statements every month to easily track the growth of your child's savings.
- Account Currency: The EarlySaver Account is offered exclusively in AED.
- Linked High-Yield Deposit: Every EarlySaver Account is connected to a 12-month deposit that automatically rolls over, ensuring your child’s savings continue to grow.
Main Benefits
- Accelerate Your Child's Savings: The combination of a high-interest savings account and an automatic transfer to a higher-yield deposit ensures your child's money is always working hard.
- Build Strong Financial Habits: This account is an excellent practical tool for teaching children the importance of saving, budgeting, and financial planning from a young age.
- Complete Convenience for Parents: With full digital access, you can manage your child's account, set savings goals, and track progress anytime, anywhere.
- Peace of Mind with Optional Protection: You can add a layer of security with the 'Child Secure' and 'CritiCare' plans, which offer financial support in case of unforeseen life events affecting a parent.
- Unlock Exclusive Lifestyle Perks: The account gives you access to special offers and discounts for family-friendly entertainment and "perfect days out."
- As an Emirates NBD customer, you also gain access to a suite of digital banking tools:
- DirectRemit: Send money internationally to select countries in 60 seconds with no fees.
- mePay: Transfer funds to friends using just their mobile number, even if they bank elsewhere.
- Cardless Withdrawal: Access cash from an Emirates NBD ATM using the mobile app, even if you've forgotten your card.
Frequently Asked Questions
Q. What is an EarlySaver Account?
A. The EarlySaver Account is a specialized children's savings account from Emirates NBD, designed to help parents save for their child’s future and teach them about money management.
Q. How can I find the best savings account for my child?
A. When searching for the best savings account, consider features like interest rates, online management, and educational benefits. The EarlySaver Account offers high-interest tiers, automatic savings, and a debit card option for your child.
Q. What is the interest rate on this children's account?
A. The interest rate is 0.50% per annum for balances up to AED 5,000 and increases to 0.75% per annum for balances above AED 5,000.
Q. Can I open a separate savings account for each of my children?
A. Yes, you can open and manage a separate EarlySaver Account and linked deposit for each of your children through your Online Banking profile.
Q. Does this children's account come with a debit card?
A. Yes, you have the option to get a supplementary debit card for your child for each savings account.
Q. How is interest calculated on this savings account?
A. Interest is calculated based on the daily closing balance and is paid into the account every month.
Q. How does the automatic savings feature work?
A. You can set a balance limit on the account. Any funds that exceed this limit are automatically swept into a linked EarlySaver Deposit, which earns a higher interest rate.
Q. How can I track the funds in my child's account?
A. You can easily monitor your child’s savings through free monthly e-statements and by logging into your Online Banking at any time.
Q. What is the difference between the EarlySaver Account and the Deposit?
A. The EarlySaver Account is the main transactional savings account. The EarlySaver Deposit is a linked 12-month fund where excess savings are automatically transferred to earn a higher rate of interest.
Q. Can I manage my child's savings account online?
A. Yes, the account is designed to be managed conveniently through Emirates NBD Online Banking.
Q. Is a cheque book available with this children's account?
A. No, a cheque book is not issued for the EarlySaver Account.
Q. What currencies are available for this savings account?
A. The EarlySaver Account is available exclusively in AED.
Q. What happens to the linked deposit after 12 months?
A. The EarlySaver Deposit has an auto-rollover feature, meaning it will automatically renew for another 12-month term.
Q. Are there any special perks with this children's account?
A. Yes, account holders get access to exclusive offers for dining, entertainment, and perfect days out with their child.
Q. What are the 'Child Secure' and 'CritiCare' insurance plans?
A. These are optional insurance plans that provide financial protection for your child if a parent passes away, becomes disabled due to an accident, or is diagnosed with a critical illness.
Q. How do I add money to this savings account?
A. You can top up the account at any time via a transfer or set up recurring automatic deposits through your Online Banking.
Q. Who is eligible to open an EarlySaver Account?
A. To open an EarlySaver Account for a child, the parent or guardian must already hold a current or savings account with Emirates NBD.
Emirates NBD
In 2007, Emirates Bank International (EBI) and the National Bank of Dubai (NBD), the second and fourth largest banks in UAE, merged to form the banking champion - Emirates NBD. With more than 200 branches and over 900 ATMs and Cash Deposit Machines (CDMs) across the country and overseas, it is globally recognized as the most valued financial services provider in the Middle East. On November 15, 2016, Emirates NBD took over Emirates Money Consumer Finance LLC, becoming a regional consolidation blueprint for banking and finance sector in the UAE.
Corporate Values of the Emirates NBD are:
- Customer Focus
- Service Excellence
- Innovation
- Passion For Performance
- Integrity
- Teamwork
Get in touch with Emirates NBD Customer Care