Digital Wealth Digital Wealth

Digital Wealth

A smart platform for smart investing. Shariah compliant investing at your fingertips.

Products

Equities

Invest in a wide range of Shariah compliant equities in both Global and Local Markets. The EI + equity trading platform comes with the option to track market updates pertaining to your portfolio and check significant market trends of the day. It also comes with a range of investment tools, including historical and intraday charts with technical analysis and grants access to independent analyst assessments and essential market consensus data.

Fractional Sukuk

Fractional Sukuk is a convenient investment that gives you a regular stream of income. A regular Sukuk would have a minimum investment of USD 200,000. With Fractional Sukuk, you can purchase many more Sukuk with the minimum investment of USD 5,000. This gives you more options to diversify your Sukuk portfolio from our diverse selection that we offer on the Wealth platform.

Shariah Compliant Mutual Funds

Mutual Funds offer you access to professional fund managers to manage your wealth. Through our app, EI +, you can browse our list of market leading Mutual Funds and select whatever fits your investment objectives. You can invest in equity, regular income, and multi-asset themed funds, as well as ETFs and many more. Mitigate your risk by relying on professional management and diversification.

To know more about the EI + Mobile banking app click here.

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How Tos

How to open a wealth account:

1. In the wealth menu, select get started

2. Select Next

3. Select Next

4. Select the correct fields

5. Enter details and select Next

6. Answer questions and select Next

7. Select Next

8. Read Terms & Conditions and scroll down

9. Check all boxes and slide to confirm

How to transfer funds to Wealth account:

1. Select Wealth

2. Select Add Funds

3. Choose the From and To and the desired amount

4. Select Next

5. Slide to confirm

How to invest in Mutual Funds:

1. Select Markets

2. Select Mutual Funds

3. Pick desired Mutual Fund

4. Select Buy

5. Enter amount and select continue

How to invest in Fractional Sukuk:

1. Select Markets

2. Select Sukuk

3. Pick desired Sukuk

4. Select Buy

5. Enter amount and select continue

How to invest in Global Equities:

1. Select Global Equities

2. Select Markets (or search for desired equity)

3. Select desired equity

4. Select Buy

5. Enter order specifications and select Buy

How to invest in Local Equities:

1. Select UAE Equities

2. Select Trade

3. Search for desired equity

4. Select Buy

5. Enter order specifications and select Buy

How to raise a Service Request or Reach out:

1. Select the Services tab

2. Select View More Services

3. Select Wealth

4. Proceed with desired service

FAQs

Fractional Sukuk:

Fractional Sukuk allows investors to buy smaller portions of a full Sukuk, making Sukuk investments more accessible and flexible. Fractional Sukuk are available exclusively for Emirates Islamic customers and are not available in the open market.

When you buy traditional sukuk, you buy the whole sukuk, which can cost a lot - like USD 200,000 or more. Sukuk In contrast, with fractional sukuk, you can start with USD 25,000, so it’s easier to get started without investing as much.

You can start with USD 5,000 and you can add more in multiples of USD 5,000.

Emirates Islamic offers access to 60+ Fractional Sukuk through the EI + app. To view and invest in available Fractional Sukuk, follow these steps:

  1. Log in to EI +.
  2. Go to the Wealth section and make sure you have set up a portfolio.
  3. Tap 'Sukuk' to see a list of fractional sukuk
  4. Select a Sukuk, review its details, and invest at least USD 25,000.
  5. Monitor your investment in the app for updates on profit payments and other details.

When Emirates Islamic receives payment from the Issuer – such as profit payments, principal payments, or other forms of compensation – this is distributed to everyone who has invested in the Fractional Sukuk. The profit will be distributed on a pro-rata basis in proportion to your investment amount.

No, Fractional Sukuk does not have a lock-in period. You can buy or sell them at any time, as long as there is a seller or buyer in the market. That’s said, Sukuk are usually meant for long-term investing.

No, Emirates Islamic does not offer financing options for investments in Fractional Sukuk. You can only use your own money.

No, these sukuk are only for Emirates Islamic customers and can’t be transferred anywhere. They are not listed in the open market.

Yes, there are some fees. You can find details in the EI + app under Profile > Fees and Charges or check the EI + schedule of fees and charges.

You can place an order of Sukuk on EI+ App from Monday to Friday between 9am and 5:30pm GST, using the EI + app.

Global Equities:

To start trading global stocks or equities, open an investment portfolio on the EI + app. Once it’s set up, you can create a trading account and start buying and selling global stocks.

Once you have set up an investment portfolio on EI +:

  1. EI +Select ‘Wealth’ on the menu
  2. Choose your Direct Portfolio
  3. Select ‘Global Equities’
  4. Follow the steps, including filling in the W-8BEN form (for non-US residents)
  5. Once done, your is ready, and you can add money to it.

Follow these steps to add funds to your account:

  1. Log into EI +
  2. Select Wealth > Direct Portfolio > Global Equities
  3. Tap ‘Add Funds’
  4. Pick the account to take money from and enter at least USD 1
  5. Confirm it with Smart Pass
    You can use the ‘Add funds’ shortcut on the Wealth dashboard.

Withdrawing funds from your global equities account is simple:

  1. Log into EI +
  2. Got to Wealth > Direct portfolio > Global Equities
  3. Tap ‘Withdraw’ and enter the amount you want
  4. Choose where to send the money (Select your credit investment account)
  5. Confirm with Smart Pass

To start trading global equities on EI +:

  1. Add money to your global equities account
  2. Go to the ‘Market’ section and look at popular stocks, search for one you want
  3. Alternatively, from Direct Portfolio, tap Global Equities and select ‘My Global Equities’
  4. Pick a stock, decide how much to buy to sell and place your order

If you place an order when the market is closed, it will go through when the market opens.

No, EI + does not allow short selling. You can only buy and sell stocks in the traditional way.

No, this is not permitted on EI +. Only you can access your account and make trades using Smart Pass.

Yes, you’ll need to fill in the W-8BEN form before trading global stocks. This is the US tax form for non-US residents.

Contact Emirates Islamic directly through the app or call customer service on 600 599 995 for help.

UAE Equities (Local Equities):

First, finish the digital wealth setup on EI + under the ‘Wealth’ tab. Once your portfolio is ready, you can trade over 165 UAE equities. Please be aware that some equities are restricted to UAE Nationals.

You can trade stocks from:

  1. Dubai Financial Markets (DFM)
  2. Abu Dhabi Securities Exchange (ADX)
  3. Nasdaq Dubai.

The exchanges restrict some stocks to UAE Nationals and the App will block you if you don’t qualify.

You can trade during exchange hours (see below). Orders placed outside these hours will wait until the next trading day at 9:30am GST.

Markets are open from 9.30am to 3pm GST:

- 9:30am to 10am: Pre-open (getting ready)
- 10am to 2:45pm: Trading (Open)
- 2:45pm to 2:55pm: Pre-closing
- 2:55pm to 3pm (last chance to trade)

Markets are open from 9.30am to 3pm GST:

  • Pre-market trading: 7.00-9.30am Eastern Time
  • After-hours trading: 4.00-5.00pm Eastern Time

Check the fees in the app under Profile > Fees and Charges or in the EI + schedule of fees and charges.

  • To buy: at least AED 5,000 (USD 1,500) and 101 shares.
  • To sell: At least AED 1,000 (USD 500) and 101 shares.

  • Maximums depend on the exchange:
    - DFM: AED 20,000,000
    - ADX: AED 10,000,000
    - Nasdaq Dubai: AED or USD 20,000,000 or 10,000,000 shares.

No, you need an AED account for AED stocks and a USD account for USD stocks.

Your Buying Power is the money you have ready to spend in your investment account, including cash and proceeds from recent sales still pending settlement. When you place a buy order, we will check your buying power to make sure you have enough funds to place the trade.

Yes, stock prices update live on the app as the market moves.

It takes 2 business days after a sale for the money to be ready to withdraw. Check ‘Track status’ in the app to know when.

No, you don’t need a National Investor Number (NIN) to trade through EI +.

No, trading happens through EI +, so your NIN is not needed.

No, you can’t transfer stocks between accounts (in or out of EI +).

If Emirates Islamic is handling the IPO, you can sign up through EI +, where your subscription will be held with EI Securities or the respective exchanges. Your shares won’t go into your EI + portfolio, but you can trade them after they list.

This depends on whether it’s a Limit Order (when you set your price), a Market Order (buy/sell now) or an order placed after market hours.

  • Limit Orders can be changed or cancelled when they’re ‘Pending’ or ‘Partially Completed’.
  • Market Orders can only be cancelled when the order is ‘Pending’ or ‘Partially Completed’.
  • Orders placed after market hours can be changed or cancelled until they’re sent the next working day.

If there is no one to buy or sell with, the exchange will turn your order into a ‘Limit Order’ that expires at the end of the day.

Investment Account and Orders:

You can open an investment account if you:

  • Already bank with EI+ Emirates Islamic and hold an active account with Emirates Islamic.
  • Pass ID checks (Know Your Customer).
  • Are a UAE resident or meet residency criteria (usually).
  • Are an adult as defined by local regulations.

Emirates Islamic Check with the bank for exact details.

You must fund your investment account with the following minimum amounts to start trading:

For global stocks: USD 100
For local stocks: AED 5,000 or USD 1,500 (plus at least 101 shares).
For Fractional Sukuk: USD 5,000
For mutual funds: AED 1,000 or USD 1,000

  • Updated Emirates ID and passport with the bank.
  • A W-8BEN form duly filled in (for global equities trading)

The W-8BEN is a US tax form for non-Americans to show who you are. If you don’t fill it in, you will pay extra fees amounting to USD $40 per type of US income you receive. For example, if you have 4 types of undocumented US income, you will be charged USD 40 X 4 = USD 160.

There are no fees to open an account, but there are charges for trading. See them on the EI + app, under EI + Profile > Fees and Charges. Or click here: schedule of fees and charges.

You can open an account instantly on the app and start trading.

  1. Log in to EI+ App.
  2. Tap Wealth > Get Started
  3. Answer questions about your experience and background
  4. Pick a currency (AED or USD)
  5. Agree to the terms and confirm with Smart Pass.

You get one portfolio with two investment accounts – one in AED and one in USD.

No, joint accounts can’t use the digital portfolio.

Visit a branch (or call your relationship manager if you are a Priority or Private banking customer) and fill in a transfer form.

You can add as many UAE stocks, Sukuk and mutual funds as you want Sukuk to your watchlist.

This is a small fee Emirates Islamic charges every three months for Emirates Islamic holding your investments. It’s based on how much your portfolio is worth and you’ll receive a text message when it’s debited from your account.

If there is no one to buy or sell with, the exchange will turn your order into a ‘Limit Order’ that expires at the end of the day.

For UAE stocks, if notifications are on, you’ll get notifications if your order was cancelled, expired, suspended, rejected, partially completed, or completed.

For Sukuk, you’ll get notifications if your order was rejected, partially completed, expired, cancelled, partially confirmed, confirmed, or completed.

For mutual funds, you’ll receive notifications if your order was in-progress or completed.

For global stocks, you’ll receive a notification in the App.

It could be:

- The price you set (limit price) was too far off.
- The order type didn’t work for that time. Market Orders placed during Pre-Opening session for ADX stocks for instance.

Check the orders tab in the EI + App for details.

Go to Home > Quick actions > Order > Active > Select the order > Tap Modify, to adjust price, amount, expiry.

Yes, you’ll get a notification.

Use ‘Add Funds’ on the Wealth dashboard or go to Transfer/Pay > Between my Accounts on EI +.

Go to Transfer/Pay > Between my Accounts on the app.

EI + clients to contact Call Center on 600 599 995.
Emirates Islamic Make sure that all trades are settled first. A bank representative will let you know if there are any implications or fees associated with closing your investment account.

Emirates NBD Arabic : العربية
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