P.O. Box 1109, Khalifa Al Mubarak Road, Abu Dhabi, United Arab Emirates
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:
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.
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.
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.
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.
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.
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)
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
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
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.