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Call Investment Deposits

Looking for a Sharia Compliant Account with attractive returns, but don’t want to lock away your Investment? You’ve got it. Enjoy attractive returns and easy access to your investments. You can access your investment by giving just two working days’ notice.

Call Investment Deposit Accounts require a minimum investment amount of:


Currency Minimum Amount Fee
AED 3,000 25
USD 10,000 15
Euro 10,000 15
GBP 10,000 15

Profit is calculated and declared on a quarterly basis.

Terms and conditions apply.

In line with the UAE’s Value Added Tax (VAT) implementation from 1st January 2018, VAT at the rate of 5% will be levied on RAKBANK’s fees and charges specified herein, wherever applicable and as per UAE law.

With effective from 1st September 2022:

Currency Interest (% p.a.)
JPY -0.60

Accounts in these currencies are based on Qard Hassan and not part of Mudaraba.  
Foreign currency services is accrued daily and applied monthly.


  • We will require written withdrawal instructions from you with a notice of two working days in order for you to be able to access the funds.
  • No Cheque book and Debit card is issued with this Account.

You are required to:

  • Review this document and all other terms & conditions set out in the application form in detail;
  • Regularly check our website (www.rakbank.ae) for updates;
  • Notify the Bank in writing if there is a change in your employment or income details, contact details, residential status, identification details, financial details or any other material information as declared in the application  form; and 
  • Always safeguard sensitive banking details such as a/c number, cheque book, Debit Card, login ID, passwords, pin number etc.
  • The Bank may amend the features, fees, charges, terms & conditions of the Account on 60 days’ notice to you in advance.
  • The Bank may amend the interest rates for the account on 30 days’ notice to you in advance.



  • Interest is not paid if monthly accrued credit interest is less than AED 10 or USD 10 for respective currency  denominations.
  • GBP Accounts will not earn interest.
  • Current Accounts in JPY (Japanese Yen), CHF (Swiss Franc), and EURO (Euro) are subject to negative interest rates that are fixed. This may cause reducing available balance even without customer induced withdrawals.
  • Applicable balance amounts in foreign currency may vary based on the exchange rate variation from month to month.
  • Foreign currency denominated accounts may incur foreign currency services. Applicable foreign currency services will be debited from the available balance for customers availing such Foreign Currency Services. This may cause reducing balance even without customer induced withdrawals.
  • The Bank may close the Account if KYC or identification documents are not updated regularly, or if required as internal policies or upon request from regulatory/judiciary entities.
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