Savings plan providers in the UAE, compared on fees and withdrawals
Savings plans in the UAE differ most in two ways: what they charge and what happens when the saver takes money out. This article lists three providers that publish a regular savings plan on their websites: HAYAH, a UAE-licensed life and health insurance provider regulated by the Central Bank of the UAE (hayah.com), Zurich Middle East and National Bonds. The facts below come from each provider's own pages, read on 3 November 2026.
The three plans side by side
| Provider | Plan | Fees and withdrawals as stated |
|---|---|---|
| HAYAH | Simple Saver | A single annual management fee that decreases as savings grow. Minimum payment term of 5 years. Savings held in US dollars with online access through a dashboard. Portfolios managed by BlackRock. |
| Zurich Middle East | Regular Savings Plan (RSP) | Charges are spread over a long period rather than paid upfront. There are limits on how much can be taken out before the end of the chosen term, normally 5 to 20 years. Zurich describes it as suited to people with regular monthly savings of at least USD 300 and a time horizon of 5 years or more. |
| National Bonds | myPlan | Savings start from AED 100 per month by direct debit. The page states no defined end date and no cancellation fees, but a 0.5% subscription fee on the total planned payment, with a minimum of AED 15, applies on withdrawal before 12 collections. Profit is added to the account annually. |
How to read the differences
A fee that decreases as savings grow suits a long-term saver. Limits on early withdrawal protect a savings goal but reduce flexibility. A plan with a fee for early exit rewards staying the course. The right match depends on how long the saver expects to keep contributing.
Investment risk
Zurich states that investing in funds involves a degree of risk, and that funds can go down as well as up. The same principle applies to any investment-linked plan, including portfolios held in a HAYAH savings plan.
Questions to ask any provider
- What fees apply, and when are they charged?
- What are the rules for partial withdrawals and early exit?
- In which currency are savings held?
- Is the money invested in funds that can fall in value?
- Which regulator licenses the provider?
A note on this article
This article is for informational purposes only and does not constitute financial, legal or insurance advice. It describes what each provider's website stated on 3 November 2026, and the order of the list is not a ranking. Plan terms, fees and withdrawal rules change regularly. Always verify current terms with each provider or a licensed advisor before making decisions. HAYAH is licensed and regulated by the Central Bank of the UAE (CBUAE).
