UAE Residents Can Now Invest In Government-backed Sukuk From Just $1,089

The move marks the first time individual investors in the UAE can buy into Sharia-compliant Treasury Sukuk in smaller denominations through participating banks.

The initiative aims to broaden access to safe, low-risk investment options while promoting a culture of saving and financial inclusion nationwide.

Abu Dhabi Islamic Bank (ADIB) is the first partner bank to offer the Retail Sukuk through its Smart Sukuk platform, which enables investors to buy fractional Sukuk easily and securely online.

How to invest in UAE Retail Sukuk

Through ADIB’s Smart Sukuk platform, investors can start with a minimum investment of AED4,000 ($1,089), in increments of AED4,000, up to AED28,000 ($7,620) per transaction, with flexibility to make multiple purchases.

Using their Emirates ID or UAE PASS, investors can complete registration, fulfil KYC requirements, create a risk profile, and review Sukuk terms digitally — all within minutes.

Younis Haji Al Khoori, Under-Secretary of the Ministry of Finance, said the launch represents a key step toward economic empowerment and sustainable saving for individuals.

He said: “This agreement with Abu Dhabi Islamic Bank marks the first step in implementing the Retail Sukuk initiative, reflecting the Ministry’s commitment to advancing the leadership’s vision of economic empowerment and promoting a culture of saving and sustainable investment.

“Through this agreement, we are providing individuals with a fully digital, Sharia-compliant investment experience that is simple, secure, and designed to promote financial stability for families and the wider community.”

Jawaan Awaidah Al Khaili, Chairman of Abu Dhabi Islamic Bank, said the platform bridges the gap between institutional and retail markets.

“We are proud to be the first partner in this pioneering programme, which expands investment opportunities for a wider range of investors.

“By bridging the gap between institutional and retail markets, we are enabling everyone to invest in high-quality, low-risk, government-backed Sukuk.”

Why it matters for UAE investors

The Retail Sukuk initiative opens a new savings channel for UAE residents who seek stable, Sharia-compliant investments backed by the federal government.

All Sukuk issued by the Ministry will be listed on the digital platform, excluding those nearing maturity, with ADIB offering access through primary allocations and secondary market transactions.

The bank will also conduct educational programmes, publish FAQs, and run investor awareness campaigns to ensure accessibility and transparency.

Building financial literacy

The Ministry confirmed that this partnership marks the first phase of a broader framework involving additional national banks in the coming months.

The initiative is designed to expand financial literacy, encourage saving, and strengthen long-term financial sustainability.

Digital platforms will give investors full transparency — including profit distribution schedules, maturity dates, applicable fees, and early redemption options — supported by a clear regulatory framework and preferential fee structure to build investor confidence.