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  • No minimum account balance or account maintenance charges
  • Up to 1.25% interest on your monthly average balances
  • 3 debits per month (transfers, payments, etc.) from Esaver account
  • Check your Esaver account balance and statements online
  • Instant opening through CBD Online Banking for CBD customers
  • Not a CBD customer yet, click here to open an Account Now

Monthly Average Balance Interest rate % p.a.
AED 0 – AED 24,999 0.50%
AED 25,000  – AED 99,999 0.75%
AED 100,000 – AED 999,999 1.00%
 AED 1,000,000 – AED 4,999,9991.25%
 =>AED 5,000,0000.50%

*Interest rates are subject to change; terms and conditions apply.

  • If you are UAE National or UAE resident and minimum 18 years of age.

Terms and conditions governing Personal Accounts and Online Banking/Digital Banking service will apply

  • Branch transactions are restricted for this account.
  • Esaver Accounts are offered to self-employed and salaried individuals
  • Minimum salary requirement for salaried individuals for opening Esaver account is AED 5,000/-
  • Minimum and Maximum account average balance on which interest can be earned and the interest rates on different amounts are as stipulated by the Bank from time to time. For details please refer product details or call our call centre @ 600 575 556
  • Withdrawal restrictions apply on this account. For details please refer product details or call our call centre @ 600 575 556
  • It is mandatory for customers to comply with KYC and AML policies and requirements of the Bank. In case of non-compliance, bank will have rights to block /close the account without prior notice.
  • All customers agree to submit copies and produce original for sighting of updated passport, residence visa, Emirates ID and other necessary documents as stipulated by the Bank and regulating authorities of the UAE. Failure to this may result in account suspension /closure as may be decided solely by the Bank without prior notification. Failure to above or to meet any other terms may also result in actions as may be required by the laws stipulated by the Bank and regulating authorities.
  • Interest pay out on closure of account will be as per Bank’s policy
  • A salary transfer letter is required as additional documentation for customers opening the account for salary transfer purpose
  • Customers must be 18 years of age or above to open a Esaver account
  • Interest is accrued and paid on average balances at the end of each calendar month (provided account has been open for the whole calendar month).

  • Interest is calculated after splitting total average monthly balance across the tiers (as shown in the interest rate table). The value of balance may fall across multiple tiers. Interest is paid as per the respective tier rates that are valid for that month.
  • Interest rates and earning rules may change from time to time (subject to our sole discretion) and will be updated on the CBD app and website.
Please visit our branch to process closure of Esaver account.

Please contact CBD customer service at 600 575 556 to assist you with your query.

It is a digital savings account that offers competitive interest rates with the convenience of digital banking channels. You can open this account through our online application only and operate it through CBD online banking, mobile banking or ATM/CDM machines.

Interest will be accrued on monthly average balance and paid at the end of the month. Monthly average balance will be broken into slabs. For example, if monthly average balance is AED 999,999, it will be broken into three slabs:

Monthly Average Balance slabs

Interest rate % p.a.

AED 0 – AED 24,999


AED 25,000 – AED 99,999


AED 100,000– AED 999,999





Monthly Average Balance

Interest rate % (p.a.)*

AED 0 – AED 24,999


AED 25,000 – AED 99,999


AED 100,000 – AED 999,999


AED 1,000,000 – AED 4,999,999


=>AED 5,000,000


 *If maximum withdrawal per month does not exceed permissible limit.

Keeping a monthly minimum balance is not required for ​Esaver account.

It's easy and convenient! If you are a CBD customer, simply visit CBD Online Banking and apply online. If you are not a CBD customer, have your passport, residence visa and Emirates ID ready and apply here.
To apply for Esaver account you should be UAE National or UAE resident and you should be at least 18 years old. You will also need valid passport, residence visa and Emirates ID, in case it is not up to date in our records.

One of the features of ​Esaver account is withdrawal limitation to encourage you to save more and earn interest. However, you can make up to three debit transactions ( transfers, payments, etc.) per month. You can make more debit transactions but it will result in loss of interest for the month.

​Esaver account is available in AED only.


Investment products are subject to risks, including possible loss of principal amount invested. Past performance is not indicative of future results: prices can go up or down. Investment products are not bank deposits and are not guaranteed by Commercial Bank of Dubai. For complete product details and warnings, please refer to the Key Facts Statement document.

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Outside UAE:+971 600575556

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