At investnation we believe in keeping it simple, clear and personalized just for you.

Therefore, based on your risk profile and appetite, we offer a range of flagship investment schemes designed to fit different styles and goals:

Saver: Our entry-level investment scheme prioritizing capital preservation over enhanced returns. It consists mainly of money market placements with banks earning slightly higher than normal deposits.

Flex: A balanced approach, earning enhanced returns through inclusion of higher-yield but safe investments such as fixed income.

Growth: Offers enhanced returns while maintaining a focus on capital preservation and risk minimization.

Choose the one that fits your style and helps you reach your financial goals.

The Finance House Vault Card is a complimentary virtual prepaid Mastercard offered through a collaboration between investnation and Finance House LLC, licensed by the Central Bank of UAE. The Vault Card functions just like any regular bank debit card, allowing you to make payments, transfers and withdrawals easily.

You can add funds to your investnation account in two easy ways:

1. Make a local wire transfer to your investnation IBAN, just like a regular bank transfer within the UAE.
2. Transfer funds directly through the app using the UAEPGS (UAE Payment Gateway System), which allows customers to top up their Vault Card directly from their bank accounts listed with the Central Bank of the UAE. Our app is fully integrated with UAEPGS, making it simple to top up your investnation IBAN without any hassle.

Transfer of funds is seamless and instant. It takes the same amount of time as transferring between two bank accounts within the UAE.

It’s a secured credit card that provides a credit limit backed by your existing investments, allowing you to make everyday payments without redeeming your portfolio.

• Age: 21 years and above
• Must have a minimum investment of AED 3,000
• Must hold an active investnation account

Your credit limit equals up to 90% of your blocked investment, with a maximum of AED 250,000.

No hidden or processing fees. You get a Credit Card that is free for lifetime.

There are no late payment fees. Please refer to the product Key Fact Statement for all fees and charges.

Yes. You can request an increase if your investment amount increases. The same lien percentage of 90% applies.

Yes. The investnation Credit Card can be used globally wherever Mastercard is accepted.

There are two easy ways to activate your investnation Credit Card:

1. Through the App: Once your Credit Card is delivered, you will see an option in the app to set your PIN (Personal Identification Number). Setting your PIN through the app will activate the card immediately.
2. Via SMS: Follow the steps printed on your card. Send an SMS in the following format to 2326 to activate your Credit Card instantly: ACT [space][Last 6 digits of your card][space][Desired 4-digit PIN] Example: ACT 123456 1234

You can purchase Comprehensive or Third-Party Liability (TPL) motor insurance policies directly through the investnation app.

Insurance is offered by the Finance House LLC’s (Licensed by the Central Bank of UAE) insurance partners through its Bancassurance Program.

• 15% cashback on Comprehensive policies
• 10% cashback on Third-Party Liability (TPL) policies

Cashback is credited directly to your Vault Card.

Select “Motor Insurance” from the Home Dashboard ? Click on “Get Covered” and select the desired product as per your insurance requirements.

The required documents are usually a valid Driving License and in some cases, a Vehicle License (Mulkiya), among other documents. These depend on the selected insurance product.

No, currently we only accept original documents, which are to be scanned or uploaded (pictures).

Claims are handled directly by the Service/Insurance Provider. You can contact their support team directly.

Yes. Renewals are simplified and quotations are instant with investnation. Just upload your Vehicle License (Mulkiya), the Driving License and answer some very basic questions to get your quotation on your email.

A Junior Investment Account allows fathers to open and manage investment accounts for their children who are below 18 years old.

The account is created and controlled by the father through his own investnation profile.

Only fathers can onboard their children (below 18) and create their login credentials through their own investnation account.

• The father opens the child’s account through his investnation app using the child’s Emirates ID or Passport (if required).
• The child receives separate login credentials and can access their investnation account on their own device.
• The child’s access is limited, mainly to use and manage their Vault Card and view their investments.
• Investments made by the father are visible in the child’s account (View-Only).
• The father retains full control and can invest on behalf of the child using his own Vault Card.

Each child receives a virtual Vault Card (prepaid) linked to their Junior Investment Account. It allows them to view and manage their Vault Card balance within the app under the father’s supervision and use the Vault card for online transactions (e-commerce).

No. Children cannot invest or redeem funds from their investment portfolios. All investment and redemption activities are performed solely by the father through his investnation app.

Children can transfer money outside of the app (Send Money) only if explicitly allowed by the father.

The father can enable or disable this permission at any time from his own investnation app.

The father has full control over the Junior Accounts and can:

• View each child’s Vault Card directly from his app.
• Enable or disable “Send Money” (Transfer) allowing or preventing the child from transferring money outside the app to a beneficiary.
• Allow or restrict mobile number changes; the father decides whether the child can update their registered mobile number.
• Receive all alerts by default; the father’s mobile number remains registered for notifications on all child account activities (unless a different number is registered for the child).

Yes. The father can redeem from any of his children’s investment accounts and:

• Transfer the redeemed amount either to his own Vault Card or to the child’s Vault Card.
• Redemption is allowed only to the same child’s Vault Card (not between siblings).
• Transfers to children can be done later if required using Send Money and transferring to their IBAN (Beneficiary).

Yes. Also, once the child’s account is created:

• The child’s Vault IBAN is automatically added as a beneficiary under the father’s account.
• The father’s Vault IBAN is automatically added as a beneficiary under the child’s account.

When the child reaches 18 years of age, the father’s control is automatically revoked, and the child gains full access to their account as a standard investnation user.

• The father can update the child’s expired Emirates ID through his Profile Dashboard → Emirates ID section.
• The child can also update their Emirates ID directly from their own app.

The Bullion Account enables users to buy, hold, and sell digital Gold (XAU) and Silver (XAG) securely within the investnation app.

Users can:

• Buy gold or silver starting from as little as AED 250.
• Track live market prices and monitor their holdings in grams and AED.
• Sell their holdings anytime during market hours, with instant credit to their Vault Card.

Prices are based on live international spot rates (London Bullion Market Association).

Every transaction reflects competitive market pricing. The price you see is the price you pay.

You can start with as low as AED 250 for the first investment (AED 100 minimum thereafter), with no maximum limit. Transactions depend on your available Vault Card balance. For selling, the minimum units are 0.2 gram for Gold and 5 grams for Silver.

You can buy or sell anytime during live market hours, as displayed within the investnation app.

When you sell gold or silver, the AED equivalent is instantly credited to your Vault Card.

If the market price fluctuates before your order is executed, it will either:

• Complete at the updated price, or
• Be refunded to your Vault Card automatically if execution is not possible.

Currently, physical redemption is not available.

Your gold and silver holdings remain in secure digital custody, fully backed by physical bullion with our regulated custodian.

All digital bullion holdings are securely stored and backed with regulated international custodian partners, ensuring full transparency and investor protection.

Your holdings, purchase history, and performance trends are visible in real-time on the Bullion Dashboard in the investnation app.

Yes. Your gold and silver are insured against loss, theft or damage, in line with global bullion security standards.

Absolutely. Your bullion is held in segregated accounts and cannot be claimed by any creditors. You retain full legal ownership.

The Bullion Account is a non-interest-bearing account. The value of the Customer’s holdings will fluctuate solely based on market price movements, and no additional returns or dividends will be paid.

A Systematic Investment Plan (SIP) allows customers to invest a fixed amount automatically every month into their chosen investnation portfolio.

It is designed to help investors build wealth through disciplined and consistent investing.

Any user with an active investnation account and a completed Risk Profile can create an SIP for the portfolios they are eligible for based on their risk category:

• Conservative: Saver
• Moderate: Saver and Flex
• Experienced: Saver, Flex, and Growth

SIPs can therefore be set up for Saver, Flex, or Growth portfolios, depending on the user’s approved risk profile.

The SIP feature is absolutely free and there are no fees or hidden charges.

It is simply designed to enhance your investment experience and help you stay disciplined by automating monthly investments from your Vault Card to your chosen portfolio.

You can create, pause, or delete your SIP at any time.

There are no penalties or charges for failed transactions, insufficient balance, or cancelled SIPs.

Setting up an SIP is simple:

1. Select SIP from the “Investments” screen.
2. Click “Start SIP”.
3. Select your desired portfolio (Saver, Flex, or Growth).
4. Choose your monthly investment amount.
5. Select your start date and end date, or keep it open-ended if you prefer to continue indefinitely.
6. Confirm your SIP setup, and your investments will be executed automatically on the chosen date each month.

The SIP frequency is monthly only.

Users can select any date between the 1^st and 28^th of each month for their investment execution.

If the SIP investment is your first investment, the minimum amount is AED 500.

For all subsequent SIP contributions, investments must be made in multiples of AED 100, following the standard investment rules.

No. All investments made through SIP are invested into the same selected portfolio, not as separate or standalone plans.

The SIP mechanism simply automates and disciplines your investment behavior, the portfolio and its value remain unified.

If your Vault Card has insufficient balance or is temporarily frozen, the SIP for that month will fail automatically.

The system will not retry the transaction. However, you can manually invest anytime you wish.

Yes. SIPs are not restrictive, you can make manual investments in your chosen portfolio anytime, in addition to your automated SIP.

Yes. You can pause or delete your SIP anytime directly from the app. There are no penalties.

Paused SIPs can be resumed later without losing your setup preferences.

You can delete the existing SIP and create a new one with the updated amount or preferred date.

If you’ve defined an end date, the SIP will stop automatically on that date.

If no end date was selected, the SIP will continue until you delete or pause it manually.

If you delete your SIP, the invested amount will remain in your portfolio. However, the deleted SIP will not be executed and will no longer appear on your SIP Overview page.