Earn 5.03%* on your idle cash with SmartCash.

Through Vault’s SmartCash, you earn interest each day your deposit is active with the ability to withdraw at any time.
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*This rate is determined by the overnight rate accessed by the money market fund manager. This rate is subject to change.
5.03%
Interest Rate
4.67%
Interest Rate
3.21%
Interest Rate

Lock-in free and flexible

You earn interest each day your deposit is active with the ability to withdraw at any time. You can earn a competitive return without the pressure of timing the market.
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Market rates that will outperform your bank

Enjoy low FX conversion fees for currency transfers between USD, GBP, EUR currencies.
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Looking to explore SmartCash for your business?
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Frequently Asked Questions

How long is the rate valid for?
Unlike a promotional rate, Vault does not control the rates for SmartCash. Daily interest rate levels are determined by central banks offering a transparent and clear approach to your savings.
What is the minimum requirement?
The minimum deposit for SmartCash is $5,000.
Can I easily withdraw my money?
Yes, SmartCash is a lock-in-free solution. You can withdraw at anytime, with the press of a button.
Do I pay penalty for withdrawing my money any time?
No, there are no penalties for withdrawals from your SmartCash account.
Is there a minimum time to keep the money with smartcash?
No, there is no minimum commitment.
How is the interest calculated?
Interest is accrued daily within the money market fund.

High interest savings account

Vault's SmartCash account is a high-yield savings account designed to maximize your returns in the UAE. Offering the benefits of a high-interest savings account, this interest-bearing account provides up to 5.03% APY while maintaining liquidity.



Choose Vault for a high-yield savings account that integrates flexibility, security, and competitive returns into your financial strategy.
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Vault Wealth Limited is a company incorporated in the Abu Dhabi Global Market ("ADGM") and is regulated by the Financial Services Regulatory Authority (FSRA) with a category 4 license for advising on investments and credit, and arranging deals with retail endorsement. Our registered office is at Office 811C, 8th floor, Tamouh Tower, Al Reem Island, Abu Dhabi, United Arab Emirates.
This website and its content are intended for informational purposes only and do not constitute investment advice or an offer to buy or sell any financial products. The information provided is for general purposes and should not be relied upon for making investment decisions. Any past performance figures are not indicative of future results and should not be considered as a guarantee of future returns.
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