• P.O. Box 1109, Khalifa Al Mubarak Road, Abu Dhabi, United Arab Emirates
  • +971 557855239
  • info@emiratefinancialservice.com

Our Services

1. Accounts

Everyone is different so one size never fits all. That is why we have a wide range of accounts to fit everyone. So whether you want a basic account or one bursting with options, you will find the right account that meets your expectations. We appreciate the opportunity to provide you with banking services and look forward to helping you reach your financial goals. Our accounts include:

Savings account
Emirate Financial Service (EFS) savings Account is recommended if have a specific savings goal in mind or you just want to start setting money aside. This account offers interest on your funds regardless of the goal.

Current Account
Open a current account with full KYC (Know Your Customer) requirements and gain access to the world of convenience that comes with owning an EFS account.Enjoy a full range of services on offer ranging from mobile banking applications to debit cards, all to ensure that you always have access to your account wherever and whenever.

Offshore account
Need a foreign currency account? Our domiciliary accounts give you the opportunity to conveniently carry out foreign transactions wherever you may be. With access to our debit cards, internet banking, and mobile banking application, your transfers, payments, standing orders and so on can be done offshore without walking into our financial premises.


Ideas capable of reshaping our world often require vast sums of money to bring to life. So bring on the big ideas and let’s change the world together.We offer a wide assortment of loan types to cater to every business contingency such as Personal loan, Business loan , SME Loan, Car Loan, Mortgage Loan , Overdraft and more.

Personal Loans
If you need some extra cash for a holiday, education or more, one of our short-term loans could be ideal. Application is easy, approvals are quick and best of all, you get a range of repayment options.

Business Loans
No need to take money out of your business for long-term investments. For monthly repayment, we offer equal monthly instalments to make it easier to plan effectively. No minimum or maximum loan amount. Loan term of up to five years.

SME Loans
Nurturing businesses for growth means bridging identified gaps in our client's business. We finance Small and Medium Enterprises (SME's) within UAE (send us a viable business plan and we will gladly grnat you a loan irrespective of your nationality)

Auto Loans
Own your dream car today with the EFS Happy Auto Loan, specially designed to help make your dream come true. This is a short to medium-term loan to be used to purchase a new or used vehicle of your choice for which you can repay over a maximum of up to 60 months. It's quick to process, convenient and hassle-free.

Mortage Loans
Qualified candidates have the opportunity to access loans to acquire their preferred homes. Our EFS mortgage is a retail product tailored to meet th e mortage needs of our clients. It can also be accessed for Home completion, Home Improvement and Equity Release.

3. Fixed Deposit

A Fixed Deposit is an investment account where money is deposited for a fixed period and the interest rate does not change. Fixed Deposit account helps you grow your savings with guaranteed high returns, whether you are saving towards your dream house or an auto.

Invest your money for a set period to achieve your personal goals and enjoy a guaranteed interest rate. Your investment is secured against fluctuating interest rates and you can choose how often your interest gets paid. It is safe and flexible form of investment with maturity priod of three 3 , 6 and 12 monthz. Withdrawals can be made before maturity but it will attract a dicount rate.

4. Bank Overdraft

EFS provides overdraft facilities through which our customers are allowed to withdraw more than their deposits. The overdraft allows the account holder to continue withdrawing money even when the account has no funds in it or has insufficient funds to cover the amount of the withdrawal. Interest is charged on the overdrawn amount. An Overdraft is the ideal way to manage your cash flow. It is a fluctuating facility connected to your business or current account. You can cash it when you need it and will pay interest only on the amount you use. Interest accrues daily on the outstanding amount and is payable at the end of the month

5. ATMs Services

ATMs replace human bank tellers in performing giving banking functions such as deposits, withdrawals, account inquiries. Key advantages of ATMs include: 24-hour availability, convenience of location and elimination of labor cost.

6. Foreign Currency Exchange

We deal in foreign currencies. As the requirement of customers, banks exchange foreign currencies with local currencies, which is essential to settle down the dues in the international trade.

7. Bank Guarantee

Our ustomers are provided the facility of bank guarantee by modern commercial banks.When customers have to deposit certain fund in governmental offices or courts for a specific purpose, a bank can present itself as the guarantee for the customer, instead of depositing fund by customers.

8. Retirement Planning

You are in the homestretch! The 5 to 10 years before you retire is a critical time for planning to meet your goal. We believe anyone can be a successful investor by following some basic principles. But even if you've been investing solo for decades, think about whether you might benefit from advice as you begin planning for retirement. During this time, you'll be making some very important decisions that could make or break your retirement timeline.

9. Bonds and Mutual Fund

Your money is pooled, along with the money of other investors, into a fund, which then invests in certain securities according to a stated investment strategy. A bond fund is simply a mutual fund that invests solely in bonds. Mutual funds represent another way to invest in stocks, bond, or cash alternatives.

Experience a highly personalized approach to business banking that offers creative financial solutions for your business. See what you require to open a Limited Liability Company account and start to enjoy banking solutions that mean business.

Investment planning is a core component of our financial planning. The most commonly used are cash, equities, bonds and property. Bonds and Guarantee these create contingent exposure for EFS. We take the form of instruments issued on behalf of customers to support contracts for supply, construction and performance.

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