UAE Investors Gain $1,089 Entry To T-Bonds And T-Sukuk As Retail Sukuk Initiative Expands

The partnership allows citizens and residents to begin investing from AED 4,000 ($1,089) through fully digital channels, marking a major expansion in financial inclusion and retail participation in the UAE’s sovereign debt market.

The Ministry of Finance said the collaboration with Emirates NBD aims to broaden the investor base by providing individuals with secure, transparent access to UAE Government Treasury Bonds and Islamic Treasury Sukuk through modern, user-friendly platforms.

UAE investment channel

UAE nationals and residents with an 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 AlKhoori, Undersecretary of the Ministry of Finance, said: “ENBD participation in the Retail Sukuk Initiative represents an advanced phase in widening the pool of national institutions supporting the Ministry’s national programmes, and aligns with our strategic approach to offer government financial instruments to individuals via digital channels.

“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 partnering with national financial institutions supports the development of innovative, government-backed financial instruments that deepen domestic capital markets and contribute to sustainable economic growth.

He added that strengthening retail access to these tools enhances long-term household financial stability and aligns with the leadership’s wider vision for a secure financial future.

New horizons for UAE retail investment

Ahmed Al Qassim, Group Head of Wholesale Banking at Emirates NBD, said: “Our partnership with the Ministry of Finance demonstrates ENBD’s commitment to strengthening local capital markets.

“By providing individual investors with access to UAE T-Bonds and T-Sukuk via the ‘ENBD X’ mobile application, we contribute to deepening the domestic debt market and making it more dynamic and resilient, thereby supporting sustainable economic growth and reinforcing the UAE’s position as a global centre for Islamic finance.

“As one of the region’s leading national banks, ENBD continues to harness innovative technology to broaden and diversify market participation and to advance financial inclusion across the United Arab Emirates.”

What UAE investors can expect next

All T-Bonds and T-Sukuk issued by the Ministry of Finance will be available through Emirates NBD’s platform, either via primary allocations or secondary-market transactions, enabling investors to subscribe or trade easily.

To support first-time retail participants, the bank will introduce investor education programmes, FAQs, and regular surveys to ensure transparency and build awareness of sovereign investment opportunities.

The Ministry of Finance noted that the agreement represents the second phase of planned strategic partnerships with national banks participating in the Retail Sukuk Initiative.

The initiative aims to broaden public access to sovereign instruments, promote financial literacy, and embed responsible saving as a core element of the UAE’s long-term financial sustainability.