Bank promos expire.
Vault pays ~5.4%, always.
No lock-ups, no conditions. Your funds are held in your name.
No spam. No commitment. Cancel anytime.
Total balance
Earned today
$0.0000In the time you've been here:
+$0.00Your money, your control
Vault never holds your funds
Pursuing ADGM regulation
UAE digital assets regulator
Institutional-grade infrastructure
Vetted institutional lending markets
Withdraw anytime
No lock-ups, 24-hour access
How it works
Three steps. That's it.
Connect your bank
Link your bank account. Deposit in USD or any major currency. No minimum.
Your balance earns automatically
Your money goes into vetted, fully secured lending markets. Institutional borrowers pay fees to access capital — those fees flow directly to your balance. ~5.4% currently.
Withdraw anytime
Pull your full balance plus earnings within 24 hours. No lock-ups, no penalties.
Fees, not interest
Your earnings come from real borrowers paying fees to access capital — not interest manufactured by Vault. Rates are variable because they reflect real market activity.
Completely hands-off
No technical setup required. Your balance is always shown in your local currency. Vault handles everything.
Your bank earns more from your money than it pays you.
My savings balance
AED 180,000
Traditional bank
~2.5% standard (FAB iSave: 4% new funds*)
AED 4,500 / yr
Vault
~5.4% current
AED 9,720 / yr
You could earn AED 5,220 more per year with Vault
~5.4% is current, not guaranteed. Earnings vary with market activity.
†Mashreq NEO PLUS non-salary tier: AED 50,000+ avg balance required · >2 withdrawals/month forfeits all interest earned that month
‡FAB iSave: 4% p.a. on new funds only (above April 2023 base balance). Campaign runs through June 30, 2026. Interest paid August 2026.
Rate check
UAE savings rates, checked April 6, 2026
Official bank pages don't always show the current rate — some show campaigns that ended in 2024 or 2025. Here's what we found.
ADCB
Headline you can still find
"Up to 5%" — Active Saver campaign, expired Mar 2025
Live rate (Apr 2026)
Up to 4.50% — Super Saver (⚠ ~4.25% from May 1, 2026)
What unlocks it
New-to-bank funds only; internal transfers excluded
Al Hilal
Headline you can still find
"Up to 5.25%" — campaign ended Sep 2025
Live rate (Apr 2026)
Rate not shown on website
What unlocks it
Check the app — no public number available
Liv
Headline you can still find
KFS PDFs from 2024 still indexed with older rate ladder
Live rate (Apr 2026)
0.50% standard / 4.00% with AED 5K+ salary
What unlocks it
Goal Account; Classic tier now 0%; Max 4% requires monthly salary ≥ AED 5,000; promo campaign 5–6% for new/returning customers (6 months)
UAB
Headline you can still find
5.2% Current Saver promo PDF — ran Mar to Jul 2024
Live rate (Apr 2026)
Not shown on website
What unlocks it
Promotion ended Jul 2024; page links to brochure only
Vault
Headline you can still find
~5.4%
Live rate (Apr 2026)
~5.4% — variable, as of today
What unlocks it
No lock-in. No salary routing. No minimum. Withdraw anytime.
Sources verified directly on official bank domains and published materials, April 6, 2026.
For platforms
One API. Your users earn ~5.4%.
One integration
Single API call to activate earnings on idle balances. No infrastructure build required.
Your brand, our rails
White-label ready. Users see your product — Vault handles the earnings infrastructure.
~5.4% current rate
Pass through real market rates. We earn only when your users earn.
Idle balances are a missed feature. Let's add one to your product.
Common questions
You should ask these
How is my money protected?
Vault does not hold your funds. Your money is held directly in institutional lending markets run by Sentora — one of the largest institutional lending platforms operating on digital infrastructure today. Earnings come from fees paid by vetted institutional borrowers, not from Vault’s own balance sheet. Vault is currently pursuing ADGM Financial Services Regulatory Authority (FSRA) regulation as part of its commitment to operating to the highest UAE financial standards.
How does Vault make money?
Vault charges a small platform fee on your earnings. We only make money when you do.
What if I want my money back?
Withdraw your full balance plus earnings within 24 hours. No penalties, no lock-ups, no questions asked.
Are the rates guaranteed?
No. Rates are variable because they reflect real market activity — borrowers paying fees for access to capital. Current rate is approximately 5.4%, but it fluctuates with demand.
From the team
Think clearer about your money
UAE Expat Savings in 2026: AED vs USD, and Where the Rates Actually Stand
The AED vs USD debate is simpler than it sounds. Here's what UAE expats should actually compare when choosing where to put their savings in 2026.
DEWS and the Savings Gap: What UAE Expats Miss
DEWS covers your end-of-service benefit. It doesn't cover the cash sitting idle in your current account. Here's the savings gap most UAE expats overlook.
The Question You Should Ask Any Savings App Before Depositing
The rate is easy to compare. Regulatory status takes more work — but it's the question that matters most when something goes wrong. Here's how to read it.
Start earning more on your savings.
Join the waitlist. No commitment, no minimum, no lock-ups.