SmartCash changed how we manage cash flow—better returns, instant liquidity, and FX better than the banks.
Matthews Southwest
Your cash should work,without tricks.
SmartCash is a simple, transparent way to earn daily interest on your cash.
No teaser rates. No fine print. No surprises.
USD
3.64%
GBP
3.72%
EUR
2.16%
Banks make saving complicated — and expensive.
SmartCash is built to remove friction, not add it.
Lock-in free and flexible
You earn interest each day your deposit is active with the ability to withdraw at any time.
No lock-in
Daily interest
Instant access
Looking to explore
SmartCash for your business?
Business owners in the UAE get less than 3%* APY on business savings.
At Vault, we pay you 3.72%* APY.
Companies across the UAE use SmartCash Business
SmartCash just works. The returns are great, the process is simple, and it takes all the stress out of managing our cash.
Nuwa Capital
Beating the national average on returns for business savings. It's like giving our cash a competitive edge.
T.Zed Architects
Questions about saving
USD, GBP and EUR. Interest accrues daily on balances held in those three currencies. AED is not one of them — the dirham appears in the FX comparison tool only as a currency to convert from.
Neither. Vault is not a bank and does not take deposits. SmartCash balances sit in your own account at Interactive Brokers, segregated from Vault's balance sheet, with SIPC and FDIC coverage within applicable limits. That is a different structure from a bank deposit, and the practical consequence is that the balance is yours at the custodian rather than an obligation on a bank's books.
No. There is no minimum balance requirement to earn the published rate, no tiering that pays less on smaller balances, and no requirement to transfer a salary or hold other products to qualify. Several UAE savings accounts apply one or more of those conditions, so it is worth comparing the rate you would actually receive rather than the advertised one.
No. Balances stay liquid daily, with no fixed term, no notice period and no penalty for withdrawing. Interest is not forfeited on withdrawal — it has already accrued for the days the balance was held.
No. There is no introductory rate that steps down, and no promotional period to track. The published rate is the rate, and it moves with underlying market rates rather than on a marketing schedule.
The UAE levies no personal income tax and no capital gains tax on individuals, so interest is not taxed at the UAE level. Obligations elsewhere are unaffected: US persons report worldwide income regardless of residence, and home-country rules and CRS reporting continue to apply. Confirm your position with a qualified tax adviser for your circumstances.
Yes. Vault Wealth Limited is regulated by the Financial Services Regulatory Authority (FSRA) in the Abu Dhabi Global Market (ADGM) under category 4 — advising on investments and arranging deals in investments.
At Vault, we take the security of our clients' money very seriously. Your investments are held in your own name with Interactive Brokers (IBKR), which means that your assets are fully segregated and protected. We're regulated by the FSRA in ADGM, and your IBKR accounts are insured by SIPC and FDIC.
Your money is held in segregated accounts at our regulated broker-dealer partners — never commingled with Vault's own funds.
Your Vault account remains open and accessible. Tax and residency treatment may change — we'll help you navigate the transition.