UAE investors get inflows of $1,089 in T-Bonds and T-Sukuk as Retail Sukuk Initiative expands
UAE investors now have easier access to government-backed T-Bonds and T-Sukuk following a new agreement between the Ministry of Finance (MOF) and Emirates NBD under the Retail Suquk Initiative.
The partnership allows citizens and residents to start investing from AED 4,000 ($1,089) through completely digital channels, marking a major expansion in financial inclusion and credit market participation in the UAE.
The Ministry of Finance said that the partnership with Emirates NBD aims to expand the investor base by providing people with safe, transparent access to modern, user-friendly platforms.
UAE investment channel
UAE Nationals and residents with Emirates ID or UAE Pass can register online, complete KYC, create a risk profile, and view the terms and details of T-Bonds and T-Sukuk directly on the platform.
Younis Haji Alkhhoori, Under-Secretary-General of the Ministry of Finance, said: “Enbd’s participation in the Retail Sukuk Initiative symbolizes our service approach that supports the Government’s financial instruments for financial professionals.
“The initiative is not limited to offering investment products; it seeks to embed a culture of saving and sustainable investment among citizens and residents.”
Alkhoori said that partners with national financial institutions support the development of innovative financial instruments that strengthen domestic financial markets and contribute to sustainable economic growth.
He added that continued access to strengthening these tools improves long-term financial stability and aligns with the leadership’s broader vision for a secure financial future.
New places to invest in the UAE
Ahmed Al Qassim, group head of banking at Emirates NBD, said: “Our partnership with the Ministry of Finance demonstrates ENBD’s commitment to strengthening local capital markets.
“By providing investors and individuals with access to T-Bonds and T-Sukuk through the mobile application ‘Enbd x’, we are contributing to increasing the continuous economic growth and strengthening the status of the UAE as a global destination as a global destination as a global destination as a global destination.
“As one of the region’s leading banks, Enbd continues to integrate new technologies to expand and improve market inclusion and improve financial inclusion throughout the United Arab Emirates throughout the United Arab Emirates throughout the United Arab Emirates throughout the United Arab Emirates throughout the United Arab Emirates throughout the United Arab Emirates.”
What can UAE investors expect next
All T-bond and T-Sukuk obligations issued by the financial service will be available through Emirates NBD’s platform, either through basic allocation or traditional market transactions, enabling investors to register or trade easily.
To support early retail participants, the bank will launch financial education programs, FAQs, and general research to ensure transparency and create sovereign investment opportunities.
The Ministry of Finance noted that this agreement represents the second phase of strategic cooperation organized by national banks participating in the Retail Sukuk Initiative.
This initiative aims to expand the public’s access to Banking tools, promote financial literacy, and embed legal savings as an important long-term financial asset for the UAE.
