Interest rates on  GBP  term deposits including Smart deposit w.e.f. 23/09/2022:

Tenor	ROI
1 month to below 3 months	0.10%
3 months to below 6 months	0.10%
6 months to below 12 months	1.50%
12 months to below 24 months	1.75%
24 months to below 36 months	0.00%
36 months to below 60 months	0.00%
60 months	0.00%

Interest rates on  EURO  term deposits including Smart deposit w.e.f. 23/09/2022:

Tenor	ROI
1 month to below 3 months	0.00%
3 months to below 6 months	0.10%
6 months to below 12 months	0.50%
12 months to below 24 months	1.00%
24 months to below 36 months	0.00%
36 months to below 60 months	0.00%
60 months	0.00%

Interest rates on  USD  term deposits including Smart deposit w.e.f. 01/09/2023:

Tenor	ROI
1 month to below 3 months	3.75%
3 months to below 6 months	3.85%
6 months to below 12 months	4.00%
12 months to below 24 months	4.50%
24 months to below 36 months	4.30%
36 months to below 48 months	3.80%
48 months to 60 months	3.80%

Interest rates on  AED  term deposits including Smart deposit w.e.f. 01/09/2023:

Tenor	ROI
1 month to below 3 months	3.60%
3 months to below 6 months	3.75%
6 months to below 12 months	4.00%
12 months to below 24 months	4.60%
24 months to below 36 months	4.30%
36 months to below 48 months	3.80%
48 months to 60 months	3.80%

Interest rates on  USD/AED  term deposits (recurring deposit) w.e.f. 01/09/2023:

Tenor	ROI
	USD	AED
12 months	4.50%	4.60%
24 months	4.30%	4.30%
36 months	3.80%	3.80%
48 months	3.80%	3.80%
60 months	3.80%	3.80%

In case of premature closure of deposit, ROI applicable will be, ROI (contractual rate) for the actual period for which the deposit was held less 1.00% penal interest. If, net interest rate after applying penal interest is negative then net interest to be marked as ZERO.