Finance House

Abu Dhabi, UAE – 16 July 2025: In a bold move set to redefine credit cards in the UAE, Finance House announced the official launch of investnation Credit Card, a one-of-a-kind financial product that combines credit access with ongoing investment growth. It’s not just a card, it’s a smarter way to spend and build wealth, all at once.

Exclusively available to investnation members, the card can be unlocked by investing as little as AED 3,000 through the investnation platform. Customers instantly qualify to apply for the card, which offers a credit limit of up to 90% of the earmarked investment amount, while the funds continue to generate returns of up to 7% annually.

This dual-benefit model of liquidity plus growth is a game-changer in the credit card market.

Key features of investnation Credit Card include:

• Lifetime free membership with no annual fees or hidden charges
• Instant approval via a fully digital onboarding journey
• Virtual and physical cards for smooth online and in-store purchases
• Multiple repayment options for greater flexibility
• Complimentary access to select airport lounges

What sets this card apart is its deep integration with the user’s financial ecosystem. Rather than working in isolation like most traditional credit cards, investnation Credit Card ties directly into the customer’s investment portfolio.

While a portion is earmarked to determine the credit limit, the rest remains fully liquid, giving customers simultaneous access to spending power and wealth-building potential.
“The launch of investnation Credit Card reflects our continued focus on delivering solutions that align with our customers’ financial goals. We are proud to introduce a product that enables users to access credit while their investments continue to grow, empowering them with both liquidity and long-term value.”, said Mr. Mohamed A. Alqubaisi, Founder & Chairman of the Finance House Group.

The launch is a milestone moment in Finance House’s mission to redefine financial access and further cements its position as a pioneer in customer-driven innovation.

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Abu Dhabi, UAE – 28 May 2025: Finance House, a leading financial institution in the UAE, has unveiled the new AI-designed Sanad Credit Card, exclusively for UAE Nationals. Featuring the majestic Falcon, the redesigned Sanad Card blends cutting-edge design with unmatched financial benefits, offering UAE Nationals more savings, flexibility, and control.

Developed through AI-generated design, the new Sanad Card introduces a bold, modern look that reflects innovation and forward-thinking. Beyond its striking appearance, Sanad delivers powerful financial advantages that make a real impact:

• UAE’s lowest interest rate - Just 1.25% per month
• Save up to 70% on monthly credit card interest
• Reduce monthly repayments by up to 30%
• Free for life – No annual fees, no hidden charges

The Sanad Card is designed to help UAE Nationals manage their finances more effectively, with significantly lower costs and greater ease of repayment. From reducing interest payments to easing monthly obligations, it’s a practical solution with lasting impact.

"Our goal is to reimagine what a credit card could offer - leveraging AI to create a design that’s not only visually compelling but also financially empowering," said Mr. T.K. Raman, Chief Executive Officer of Finance House. "Sanad is built to help UAE Nationals achieve more, save more, and live with greater financial freedom and confidence."

The AI-designed Sanad Card is now available exclusively to UAE Nationals. For more information, visit www.financehouse.ae

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Abu Dhabi, UAE – 14 April 2025: Finance House has successfully transitioned to a 100% cloud-based infrastructure, marking a pivotal milestone in its technological evolution. Through a strategic partnership with Oracle, Finance House has embraced advanced cloud technology to enhance agility, security, and scalability, ensuring it remains at the forefront of financial services innovation. This move aligns with the UAE’s vision for digital transformation and innovation, reinforcing the institution’s commitment to supporting the nation’s ambitious goal of becoming a global leader in digital advancement.

Overcoming Legacy System Challenges

Traditional on-premises systems in financial services often hinder scalability, reliability, and innovation. In today’s fast-paced environment, customers demand seamless access to financial products and services, while financial institutions face increasing pressure to launch new offerings swiftly without compromising security or compliance. Finance House’s shift to Oracle Cloud eliminates these barriers, enabling a more resilient, efficient, and future-ready financial ecosystem.

Finance House Cloud Adoption

With Oracle’s advanced cloud infrastructure, Finance House has addressed these challenges head-on, achieving:

• Unparalleled reliability: Delivering a 99.96% uptime ensuring uninterrupted services.

• Enhanced scalability: Seamlessly adapting to growing customer needs and operational demands.

• Faster time-to-market: Enabling rapid deployment of new financial products and services.

• Optimized performance: Offering faster, more secure, and efficient financial services.

• Robust security and compliance: Meeting UAE data localization regulations with world-class cybersecurity standards.

Enhancing Customer Experience

This transformation directly benefits Finance House customers by:

• Providing greater ease of access to financial products and services, ensuring seamless and uninterrupted experiences.

• Introducing innovative financial solutions tailored to evolving customer needs.

Driving the future of financial services

“By adopting Oracle’s cutting-edge cloud infrastructure, Finance House continues to set a new standard for innovation, agility, and customer experience in financial services. This strategic partnership enables us to stay ahead in a competitive landscape while remaining true to our commitment to excellence and reliability,” said Mr. Mohammed Alqubaisi, Founder & Chairman of Finance House Group.

This collaboration highlights Finance House’s leadership in embracing technology to enhance operational efficiency and deliver meaningful value to its customers, reaffirming its position as a forward-thinking financial institution in the UAE.

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Abu Dhabi, UAE – 21 October 2024: In a move to boost liquidity and stability within the UAE's financial markets, Finance House and Finance House Securities signed an agreement at the Abu Dhabi Securities Exchange (ADX).

Geared towards bolstering liquidity in the local market and reinforcing the overall stability of the financial landscape, this partnership aligns seamlessly with the Abu Dhabi Securities Exchange (ADX) vision and strategies.

Under the agreement between the two parties, Finance House will inject AED 300 million into the local market through Finance House Securities, with the aim of increasing investments and boosting equity market liquidity.

"This agreement is a testament to the commitment of Finance House and Finance House Securities to provide innovative solutions that meet best practices. Our goal is to enhance liquidity and stability in the financial markets while stimulating economic activity in the UAE," said Mr. T.K. Raman, CEO of Finance House.

"Innovation is crucial for success in the markets," he continued. "The market's successive achievements, overseen by the Abu Dhabi Securities Exchange (ADX), are essential for driving economic growth and sustainable development in the UAE. This fosters investor confidence and stimulates broader economic activity."

Meanwhile, Ayman Al Khatib, General Manager and Managing Director of Finance House Securities said: "This agreement marks a significant step towards maximizing Finance House's financial resources, enhancing operational efficiency at Finance House Securities, and contributing to better capital utilization. We also anticipate a long-term positive impact on the markets."

This agreement demonstrates the shared commitment and collaboration to drive economic development in the UAE and empower the market to achieve sustainable growth.

For more information, please visit https://www.fhs.ae/ or call 026191911.

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Abu Dhabi, UAE – 30 May 2024: Finance House, a leading financial institution in the UAE, is proud to announce the launch of Sanad, the credit card with the lowest interest rate in the entire UAE. Exclusively designed for Emirati nationals, Sanad offers an unparalleled monthly interest rate of just 1.25%.

The Sanad credit card stands out in the UAE market with its exceptional value proposition, providing significant savings on interest charges and slimmer monthly payments for cardholders. With no annual fees, Sanad is truly a "free for life" card, allowing Emiratis to manage their finances more efficiently.

"At Finance House, we are committed to exceeding the expectations of UAE nationals by providing exceptional financial solutions tailored to their needs. The launch of the Sanad credit card is a testament to our dedication to innovation and our unwavering commitment to delivering unparalleled value to our Emirati customers" said Mr. TK Raman, CEO of Finance House.

Key features of the Sanad Credit Card include:
• Lowest interest rate in the UAE at 1.25% per month;
• Save up to 70% on credit card interest charges per month;
• Reduce credit card payments by up to 30%;
• Preferential rates on credit card balance transfers;
• Free for life with no annual fees;
• Credit Shield to protect outstanding balances against unforeseen circumstances.

To be eligible for the Sanad Credit Card, applicants must be Salaried UAE nationals aged 25 years and above, with a minimum monthly salary of AED 12,000.

"We are thrilled to offer Sanad as an exclusive financial solution for Emiratis, with its unbeatable interest rate and exceptional benefits, Sanad empowers our customers to take control of their finances and achieve their financial goals with ease” Mr. TK Raman added.

Offering “Sanad” a credit card with the lowest interest rate in the UAE market, demonstrates Finance House’s transparency and accountability in financial services. This aligns with our good governance practices, which is one of the key aspects of our ESG principles.

Moreover, this will help our customers by reducing their financial burden and helping them manage their finances more effectively and enhance customer satisfaction and build long-term relationships.

For more information about the Sanad Credit Card and to apply, please visit www.financehouse.ae or contact our customer support 600 511114.

Abu Dhabi, UAE – 22 May 2024: Finance House, a leading financial institution in the United Arab Emirates, is proud to announce the successful achievement of its Emiratization target for the previous year, fostering and supporting the professional development of Emirati nationals within the organization.

As part of its ongoing commitment to the growth and development of the UAE's workforce, Finance House has diligently pursued its Emiratization objectives, surpassed its initial targets and solidified its position as a leader in creating diverse and inclusive employment opportunities for Emiratis. In alignment with national directives and as a testament to the company's dedication to empowering local talent, Finance House has not only met but exceeded its Emiratization objectives by providing meaningful career pathways, training, and development opportunities for Emirati professionals across various functions within the organization.

Commenting on this significant accomplishment, Founder of Finance House Mr. Mohammed Alqubaisi expressed, "We are immensely proud to have achieved our Emiratization goals, reflecting our unwavering commitment to nurturing local talent and contributing to the country's vision for a sustainable and diverse workforce. This milestone underscores our belief in the importance of cultivating and empowering Emirati professionals, and we remain dedicated to furthering our support for their continued growth and success within our organization."

Finance House remains committed to its contributions to the nation's Emiratization agenda, recognizing the invaluable role Emiratis play in driving the country's economic growth and prosperity. By exceeding its own goals, Finance House sets a strong example for other businesses in the UAE to follow, demonstrating the benefits of investing in local talent and building a diverse and inclusive workforce.

Abu Dhabi, UAE – 29th January 2024: Finance House, a leading financial institution committed to sustainable development, is thrilled to announce its partnership with the Public Services Department in Ras Al Khaimah, to promote and support environmental conservation initiatives in the region.

The joint effort aims to organize an upcoming Valley Clean-Up Campaign in Wadi Diftah in Ras Al Khaimah on 03 February 2024. This campaign is designed to actively engage community members and raise awareness about the importance of maintaining cleanliness and ecological balance in the valley.

Through this collaboration with the Department of Public Services in Ras Al Khaimah, supported by adventurer Hazza Fazza, adventurer Saeed Al-Maamari, Raqeb team, 7 Hikers Mountain aid team, A4 Adventure team, and Adventure with nature seek to achieve below objectives:

1. Conservation of the Valley: The clean-up campaign organized by Finance House and its partners aims to preserve the cleanliness and natural beauty of Wadi Diftah in Ras Al Khaimah. By removing litter and waste, we can ensure the protection of its diverse ecosystem and maintain its pristine condition.

2. Community Engagement: The campaign places emphasis on the participation of community members and encourages them to actively take part in the clean-up initiatives. By involving individuals from different backgrounds, Finance House aims to foster a sense of ownership and responsibility towards the environment.

Finance House, in collaboration with Department of Public Services in Ras Al Khaimah invites residents, volunteers, and nature enthusiasts to join hands in this noble cause. By participating in the Valley Clean-Up Campaign, individuals can make a significant impact on the conservation of their region and spread awareness within their communities.

Addressing the partnership and the upcoming campaign, Finance House Founder Mohammed Alqubaisi stated, "We firmly believe that environmental consciousness should be an integral part of our lives. Through our collaboration with Department of Public Services in Ras Al Khaimah and our esteemed partners, we aim to harness collective efforts in preserving the beauty and health of our ecosystems. Together, we can make a significant impact on our environment."

For additional information regarding the Valley Clean-Up Campaign in Wadi Diftah in Ras Al Khaimah visit www.financehouse.ae. Register now and join us for the Valley Clean-Up Campaign in Wadi Diftah in Ras Al Khaimah to help create a cleaner and greener environment.

About Department of Public Services in Ras Al Khaimah:

The Department of Public Works and Services, established in 1965, is a local department in Ras Al Khaimah. Its modern organization began in 1985 with a law defining its competencies and granting it broad powers to supervise infrastructure, civil projects, and public services. The department is a civil government institution that intertwines the interests and services of modern society in the emirate, implementing numerous service projects annually and playing a significant role in health, environmental, and agricultural services.

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Abu Dhabi, UAE – 24 November 2023: Finance House, a leading financial institution committed to sustainable development, is thrilled to announce its partnership with Fujairah Adventure and Fujairah Environment Authority, to promote and support environmental conservation initiatives in the Emirate of Fujairah.
This partnership is organized to unify efforts in cleaning Wadi Al-Abadila in Fujairah on November 25, 2023, which seeks to actively and vitally involve various segments of the society to enhance the social responsibility and environmental awareness for protecting natural resources and maintaining environmental balance.
Through this collaboration with Fujairah Adventure and Fujairah Environment Authority supported by Adventures with Nature, Dibbah Municipality, and Civil Defense, Finance House seeks to achieve the following objectives:
1. Conservation of the Valley: The cleaning campaign organized by Finance House and its partners aims to preserve the picturesque nature of Wadi Al-Abdala in Fujairah and habitat restoration. It highlights the importance of the valley in maintaining environmental balance and the necessity of protecting it from irresponsible human practices, which reflects our commitment to our environment to ensure the sustainability of resources.

3. Awareness and Education: The Valley Clean-Up Campaign serves as a platform to raise awareness about sustainable practices. Through educational sessions and informative materials, participants will gain knowledge about how they can contribute to environmental conservation in their daily lives.
Finance House, in collaboration with Fujairah Adventure and Fujairah Environment Authority invites residents, volunteers, and nature enthusiasts to join hands in this noble cause. By participating in the Valley Clean-Up Campaign, individuals can make a significant impact on the conservation of their region and spread awareness within their communities.
Addressing the partnership and the upcoming campaign, Finance House Founder Mohammed Alqubaisi stated, "We firmly believe that environmental consciousness should be an integral part of our lives. Through our collaboration with Fujairah Adventure and Fujairah Environment Authority and our esteemed partners, we aim to harness collective efforts in preserving the beauty and health of our ecosystems. Together, we can make a significant impact on our environment."

To register visit www.financehouse.ae and join us for the Valley Clean-Up Campaign in Fujairah Wadi Al Abadila to help create a cleaner and greener environment.

About Finance House
Finance House is an Abu Dhabi - headquartered financial institution established in March 2004 and commenced its operations in July 2004. It is licensed and regulated by the Central Bank of the UAE. Its principal activities are commercial and retail financing, financial services, and investments.
The major shareholders of Finance House include prominent UAE business people, high-net-worth individuals, and dignitaries. Finance House is listed on the Abu Dhabi Securities Exchange (ADX) under the ticker symbol FH.

About Fujairah Environment Authority:
The Fujairah Environment Authority is a local government entity that was established pursuant to Emiri Decree No. (1) of 2018 issued by His Highness Sheikh Hamad bin Mohammed Al Sharqi. Member of the Supreme Council of the Federation - Ruler of the Emirate of Fujairah on September 5, 2018, so that it is the authority responsible for managing environmental affairs in the Emirate of Fujairah, managing terrestrial and marine natural reserves, preserving wildlife and biodiversity, managing water resources and groundwater, protecting them from pollution or depletion, and issuing environmental permits. Specialized in practicing activities that have an environmental impact, evaluating the impact of projects and investments on the environment, and preparing and developing sustainable environmental policies and planning.

About Fujairah Adventure:
With the support of His Highness Sheikh Mohammed bin Hamad Al Sharqi, Crown Prince of the Emirate of Fujairah - may God protect him, the Fujairah Adventure Center was established in 2017 by Emiri Decree No. (13) with the aim of organizing and stimulating tourism and encouraging the practice of mountain, sea, air and desert adventure activities in the Emirate of Fujairah.

Abu Dhabi, UAE, 18 October 2023: In a significant move aimed at transforming the credit card offerings for UAE nationals, Finance House proudly announces the launch of its revolutionary credit card, "Forsa." The Forsa proposition is set to have an immediate and positive impact on the lives of UAE nationals, offering unmatched benefits targeted at improving their financial well-being.

With the introduction of Forsa, UAE nationals gain the unprecedented opportunity to consolidate their credit card debts into a single card, unlocking substantial savings on interest rates paid on other credit cards with flexible repayment options.

Simply, Forsa credit card has been specifically tailored to alleviate the financial burden faced by many UAE nationals who pay high interest rates on their credit cards. UAE nationals can now enjoy a remarkably low credit card interest rate of 1.25% which brings a substantial decrease in monthly interest compared to market rates ranging from 2.9% to 3.85% per month. Forsa promises potential monthly savings of up to 70% in interest!

"With the launch of the Forsa Card, we are committed to empowering UAE nationals with unprecedented savings on their credit card interest," said the CEO of Finance House Mr. TK Raman.

He added: “The launch of Forsa showcases our commitment to the financial wellbeing of UAE Nationals by merging affordability, convenience, and empowerment. The Forsa Card is poised to drive strong traction among UAE nationals seeking relief from the expensive debt accumulated on their credit cards.”

With potential savings on credit card interest rates going up to 70%, individuals can also enjoy monthly credit card payments reduced compared to any other credit card. Unlike the standard 5% minimum repayment, the new Forsa offers flexible repayment options with a minimum repayment rate of just 2%. This feature is especially beneficial to customers who want to effectively manage their finances, repay the debt at lower interest and ultimately achieve their financial goals. By consolidating credit card debts into a single card, UAE nationals can bring relief to their monthly burden through a combination of lower interest and monthly repayment.

Commenting on the introduction of Forsa, Finance House Head of Consumer Financial Services Mr. Fahd Bin Amjad said: “High Credit Card interest rates easily compound debt, leaving many with large financial burdens. We believe with Forsa, we are offering a solution to pay off expensive debt at the lowest rate in the market combined with the most affordable repayments. It is designed to discipline repayments while freeing up cash to relieve our customers from the monthly recurring expenses.”

He continued: “ For customers to evaluate the benefits, we have developed a smart savings calculator which is now featured on our website. Customers can simply enter the balance and interest rates paid on other credit cards held, and the savings and repayment flexibility is automatically calculated when they switch to Forsa by Finance House. “

Eligible customers are warmly invited to apply for the Forsa Credit Card and commence their journey towards true financial freedom. As always, Finance House remains resolute in its mission to uplift the UAE Nationals by providing tailored financial solutions that truly serve their unique needs. For more information visit www.financehouse.ae or contact Finance House on 600511114.

“In alignment with the UAE’s vision for state-of-the-art payment solutions”

Abu Dhabi, UAE – 17 October 2023: Finance House LLC, a leading financial institution known for its commitment to innovation and leadership, proudly announces its latest achievement as one of the pioneering financial institutions to adopt the revolutionary Aani instant payments platform making the technology available to its customers through the Finance House Mobile App.

Aani represents a progressive technology that is poised to transform the traditional landscape of payments and financial transactions in the UAE. In a notable milestone, Finance House achieved history-making status by successfully executing the initial money transfer on Aani via its mobile app. By becoming early adopters Finance House reinforces its dedication to staying at the forefront of industry advancements at a time marked by rapid technological advancements.

“Aani is more than just a platform; it represents the future of payments driving growth in the UAE by providing state-of-the-art payment solutions for its residents. We share our heartfelt congratulations to the Central Bank of the UAE (CBUAE) for ushering in a new era of payments, setting the stage for accelerated growth and development in the UAE.” said Finance House Founder Mohammed Alqubaisi.

“We extend our felicitations to El Etihad Payments for their unwavering commitment to enable transformative change in the financial sector in the UAE with the launch of Aani - the Instant Payments Platform” Alqubaisi added.

The Aani Instant Payments Platform enables bank transfers to occur in a mere ten seconds, 24/7, anytime and anywhere in the UAE. Finance House customers wishing to access this technology can register to Aani through the Finance House Mobile App.

“Whether splitting a restaurant bill with a friend or managing monthly expenses, Aani accommodates a range of financial needs easily and efficiently. At Finance House, we are committed to championing such initiatives to ensure our customers always have the best, most efficient tools,” added Shino Thomas, Chief Technology Officer at Finance House.

In conclusion, Aani stands as a testament to the UAE's commitment to fostering a progressive financial landscape. As we embrace this new chapter, Finance House is excited and honoured to participate in this journey, ensuring that our customers experience the future of payments today.

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Finance House Announces the Launch of investnation Credit Card: A Smart Way to Spend and Grow Your Wealth

Finance House Unveils the AI-Designed Sanad Credit Card: The UAE’s Lowest Interest Credit Card Now with a Bold New Look

Finance House Migrates to Oracle Cloud, Accelerating Digital Transformation in Financial Services

Finance House & Finance House Securities Agree to inject AED300 million in Abu Dhabi Capital Market

Finance House Introduces “Sanad” Exclusive for Emiratis, The Lowest Interest Rate Credit Card in the UAE

Finance House Achieves Emiratization Milestone, Exceeding Workforce Goals

FINANCE HOUSE INVITES ENTHUSIASTS TO THE VALLEY CLEAN-UP RAS AL KHAIMAH WADI DIFTAH ON FEBRUARY 03, 2024

FINANCE HOUSE INVITES ENTHUSIASTS TO THE VALLEY CLEAN-UP AT WADI AL ABADILAH, FUJAIRAH ON NOVEMBER 25TH 2023

New ‘Forsa’ Credit Card Exclusively for UAE Nationals Unprecedented Savings on Both Credit Card Interest Rates and Payments

FINANCE HOUSE PIONEERS THE LAUNCH OF CBUAE AANI INSTANT PAYMENTS PLATFORM

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