National Bonds Corporation myPlan
Islamic Investing in Ras Al Khaimah
National Bonds' automated pay-yourself-first plan: a monthly direct debit from AED 100 that buys Saving Bonds automatically, so saving continues without willpower. Savers get full AED 36 million Rewards Program eligibility, the exclusive regular-saver monthly draw (AED 5,000 for 10 winners, AED 500 for 60, AED 50 for 5,000), and 5 monthly draws for the latest iPhone. Reward chances scale with balance: 1 chance per bond up to AED 50,000 in total savings, rising to 4 chances per bond above AED 350,000. Setup is a direct debit form plus application via the app, branches or 600522279.
myPlan is the best behavioural product on the National Bonds shelf: it converts the institution's prize economics into an automation engine, paying you chances for consistency. The finance is unchanged from Saving Bonds, so judge it the same way: a solid, government-linked Mudarabah pool with excellent fatwa transparency and weak forward pricing. For a UAE resident starting from zero, AED 100 a month into myPlan is arguably the single simplest halal wealth habit available; just do not let the iPhone draws distract from checking each year's actual declared distribution.
Pros
- AED 100 monthly floor makes disciplined halal saving near-universal
- Direct debit automation is the single highest-impact savings behaviour intervention
- Regular savers get dedicated draws on top of general prizes
- Escalating chances reward balance growth without locking funds
Cons
- No published forward profit rate; returns declared after year end
- Prize tiers gap between AED 300,000 and 350,000 is unexplained on the page
- Direct debit setup still requires forms rather than fully in-app mandate creation for some banks
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Product Details
Profit Structure
Automated purchase of Mudarabah Saving Bonds; profit per declared annual distribution and weightages
Monthly Fee
AED 0
Min Deposit
AED 100 per month by direct debit
National Bonds Corporation in Ras Al Khaimah
National Bonds Corporation's myPlan is accessible to investors in Ras Al Khaimah, structured as Mudarabah (automated monthly saving): UAE savings and investment products onboard digitally, so emirate matters less than fees and governance. National Bonds Corporation operates across the UAE, so Ras Al Khaimah residents have full access to this product.
Shariah Compliance & Oversight
Shari'a Supervisory Board (SSB) from Minhaj Advisory, chaired by Sheikh Prof. Yousef Abdullah Al Shubaily (Chairman and Executive Member), with Sheikh Prof. Nazih Hammad (Deputy Chairman), Sheikh Prof. Mohammad Abdul Rahim Sultan Al Olama (Member) and Sheikh Dr. Ahmed Saleh Almarzooqi (Member). The board oversees all financial aspects including product-related operations and investments, and National Bonds publishes its underlying fatwas online: the Mudarabah Capital Protection Fatwa, the Profit Weightages Fatwa, the Sukuk al Waqf Fatwa and a Zakat Shari'a Pronouncement (2025) (nationalbonds.ae/shariascompliance, crawled 2026-08-05).
2026-08-05
Why It's Halal
myPlan is an automation wrapper around the same Shari'a-compliant Mudarabah pool as Saving Bonds: each debit purchases bonds whose returns come from the pool's declared profit distribution under published weightages, supervised by the Minhaj Advisory Shari'a Supervisory Board whose fatwas (Mudarabah structure, capital protection, profit weightages) are published on the company's Shari'a compliance page. The escalating prize-chance tiers are promotional gifts tied to savings behaviour rather than a lottery bought with participants' stakes, which is the structural line that keeps prize-linked saving inside Shari'a boundaries under the board's supervision. As with all National Bonds retail products, the honest gap is yield transparency: no forward rate is published for the underlying bonds.
Regional Availability
National Bonds Corporation serves all of the UAE
✓ Available nationwide including Ras Al Khaimah
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NationwideHalal Investment Growth Estimate
See how your halal investments could grow over time
Total Value
AED 343,778
Contributed
AED 130,000
Growth
AED 213,778
Hypothetical projection. Past performance does not guarantee future results.
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Important: HalalWallet provides educational information and comparisons to help you explore halal financial options. We do not provide financial, legal, or religious advice. Product structures and Shariah compliance oversight vary by provider. Always verify halal compliance directly with providers and consult with qualified Islamic finance advisors or scholars for guidance on specific products and your individual circumstances.