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UAE central bank holds base rate at 3.9%

This dossier follows UAE central bank rate decisions and their money-market settings, distinguishing policy rates, banking facilities and commercial lending terms.

Last updated : 1 key moments

Where things stand

The Central Bank of the UAE held the base rate on its overnight deposit facility at 3.9% on 28 October 2026. The decision followed the US Federal Reserve’s move to leave its interest rate on reserve balances unchanged.

UAE central bank holds base rate at 3.9%

The Central Bank of the UAE held the base rate on its overnight deposit facility at 3.9% on 28 October 2026. The decision followed the US Federal Reserve’s move to leave its interest rate on reserve balances unchanged.

Archive view of Abu Dhabi from the sea.
Abu Dhabi in April 2019. Archive illustration; this photograph does not depict the monetary decision. — Darthjipsu / Wikimedia Commons — CC BY-SA 4.0 https://creativecommons.org/licenses/by-sa/4.0/ — 4 avril 2019, taille réduite.

Short-term liquidity borrowing from the central bank remains priced at 50 basis points above the base rate across standing credit facilities, a spread of 0.5 percentage points.

The base rate signals the monetary policy stance and provides an effective floor for overnight money-market rates in the country. It is not a rate charged uniformly to every household or business: the decision concerns central bank instruments.

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