Savings Account
Grow your money — ethically.
Profit-sharing savings built on Mudarabah. Your returns reflect real economic activity, not interest.
Projected Growth
Watch your savings grow
Simulated growth of AED 10,000 over 12 months at a 4.2% projected annual profit rate.
The Model
How Mudarabah works
A transparent partnership between you and the bank.
Your Deposit
You place your savings with BNQ under a Mudarabah contract.
Ethical Investment
Funds are deployed into Shariah-compliant ventures and real assets.
Shared Returns
Profits are distributed at a pre-agreed ratio. No riba, ever.
Features
Savings that align with your values
No riba. No compromise. Just ethical growth.
per annum
Competitive profit rates
Returns tied to real economic activity, not arbitrary interest.
Mudarabah structure
Your savings fund ethical ventures. You share in the profit — transparently.
Shariah-certified
Independently certified under AAOIFI standards by our supervisory board.
Flexible withdrawals
Access your funds when you need them, with no penalty fees.
Learn more
Understand profit-sharing
Discover how BNQ replaces interest with ethical, transparent profit-sharing.