FOUNDED in 1963 as the first national bank of the United Arab Emirates (UAE), our winner has become an engine of innovation. Emirates NBD takes banking to the next level and encourages fiscal responsibility with 17 unique accounts that make savings fun and functional. Fun options include a fitness account that rewards healthy lifestyles and a Manchester United account that boosts interest every time a goal’s scored. Others offer hassle-free convenience and functionality, like the Currency Passport, and Gold Savings Certificates. Emirates NBD boasts a sophisticated mobile platform, with extra features such as mobile queuing for branch visits and remote scanning and depositing of cheques. In recognition of its tireless efforts to ensure savings are never dull, the BV judging panel presents Emirates NBD with the 2019 Most Innovative Bank Savings Plans (UAE) award.