Fixed Deposit Calculator — Qatar
Calculate your fixed-deposit maturity value and interest in QAR at current rates. No signup, no account needed.
Enter a deposit amount, a rate between 0% and 100%, and a term above zero (up to 50 years) to see results.
Fixed deposit rates in Qatar (2026)
Published 1-year deposit rates ≈ 2.75–3.85% p.a. at QNB, CBQ, Doha Bank and QIB (higher for larger amounts and longer tenors). Islamic banks pay an expected profit rate.
At around 3.6%, the fixed-deposit rate in Qatar is around the typical range for developed-market deposits.
Reference figures, ~2026. FD interest is often taxable and rates vary by bank and tenure - verify the current rate before depositing.
Worked example
For every QAR 75,000 deposited at 3.60% for 5 years (quarterly compounding):
- Maturity value: QAR 89,719
- Interest earned: QAR 14,719
Scale to your deposit amount. Longer tenures and higher rates grow the maturity value; compare banks before locking in.
How to get the best fixed-deposit return in Qatar
- Compare several banks - smaller and digital banks often pay more than the big high-street names.
- Ladder your deposits across different tenures so some matures regularly and you can reinvest at new rates.
- Check how often interest compounds; more frequent compounding grows the maturity value.
- Factor in tax on the interest, and compare against short-term government bills or bonds.
Qatar bank FD rates (published, checked 12 October 2026)
| Bank | 1-year rate (by amount) | Note |
|---|---|---|
| QNB | 3.60% – 3.85% | Conventional · QAR 20,000 minimum; higher slabs earn more (up to 4.00% for 3 years above QAR 1m) |
| Commercial Bank (CBQ) | 2.75% – 3.25% | Conventional · counter rates from QAR 50,000; 3.00%–3.50% for 2–3 years |
| Doha Bank | 3.30% – 3.75% | Conventional · upfront-interest deposits of 150–300 days from QAR 250,000 |
| Qatar Islamic Bank (QIB) | 2.75% – 3.50% | Islamic · Flexi CD Premium expected profit, 1–3 years (fixed deposits 0.90%–1.45%) |
| Ahlibank | 0.60% – 1.80% | Conventional · term-deposit board rates by slab |
| Dukhan Bank | Not published online | Islamic · QAR 50,000 minimum; ask the bank for the current expected profit rate |
Rates are the banks' own published board rates; they vary by amount and tenor and change without notice. Promotional rates and relationship pricing can be higher — confirm with the bank before depositing. Qatar Central Bank deposit rate: 4.10% (from 17 September 2026).
Conventional interest vs. Islamic profit — and no personal income tax
Qatar has both conventional and Islamic banks. Islamic banks (Masraf Al Rayan, Dukhan, QIB) don’t pay interest (riba) — they pay an expected profit rate on a Shariah-compliant deposit, typically structured as Mudarabah or Wakala. The maths works the same way; the wording and the Shariah basis differ.
Qatar levies no personal income tax on individuals, so FD returns are received gross by residents — though individuals with foreign tax residency may still owe tax at home.
Worked example
QAR 50,000 at 4.75% (QNB’s rate) for 12 months, simple at maturity:
- Interest (or profit, on an Islamic deposit): QAR 2,375
- Total at maturity: QAR 52,375
Frequently Asked Questions
How is FD maturity calculated in Qatar?
Maturity = P × (1 + r/4)^(4n) for quarterly compounding, where P is the deposit, r the annual rate and n the years. fin·calc uses this standard method.
What is the current FD rate in Qatar?
As a 2026 reference, fixed-deposit rates are around 3.6% per year, varying by bank and tenure. Published 1-year deposit rates ≈ 2.75–3.85% p.a. at QNB, CBQ, Doha Bank and QIB (higher for larger amounts and longer tenors). Islamic banks pay an expected profit rate.
Is FD interest taxable in Qatar?
In most countries FD interest is taxable as income; some offer tax-advantaged or senior-citizen options. Check your local rules - the calculator shows the pre-tax maturity value.
Is a fixed deposit safe in Qatar?
Fixed deposits carry no market risk. In Qatar, bank deposits are typically protected by a national deposit-insurance scheme up to a set per-depositor limit. Confirm the current cap and which banks qualify before you deposit. They trade higher safety for lower long-term returns than equities.
Should I choose a fixed deposit or invest instead in Qatar?
A fixed deposit gives a guaranteed return and suits money you cannot afford to risk. Investing targets higher long-term growth but can fall in value. Many people keep an FD for safety and invest separately for growth.
Interest or profit — which do Qatari banks pay?
Conventional banks (QNB, Doha Bank, CBQ, Ahlibank) pay interest. Islamic banks (Masraf Al Rayan, Dukhan, QIB) pay an expected profit rate on a Shariah-compliant structure instead — the maths is equivalent, the basis differs.
What's the minimum deposit for these rates?
Commonly QAR 5,000 to qualify for the advertised 12-month rate; check the specific bank's terms, as minimums and tiers vary.
Can I withdraw a Qatari FD early?
Early withdrawal (breakage) usually reduces or cancels the return you would otherwise have earned — confirm the bank's specific penalty before committing to a term.
Are FD returns taxed in Qatar?
Qatar levies no personal income tax on individuals, so FD interest or profit is received gross by residents. Individuals with foreign tax residency may still owe tax in their home country.
Fixed deposit vs. a call or savings account in Qatar?
A fixed deposit locks in today's rate for the full term and generally pays more; a call or savings account stays liquid but usually pays less.
How does Qatar Central Bank policy affect my rate?
New deposits reprice as banks adjust to QCB policy moves; an FD you've already opened keeps its locked-in rate until maturity.
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Sources
Deposit rates are compiled from each country's central-bank publications and the typical offerings of its major banks, reviewed for 2026 and subject to change — always confirm the current rate with your bank before depositing. See our methodology and editorial policy for how we source and update this data.
Additional sources for this page
Qatar bank deposit rates (checked 12 Oct 2026): QNB fixed deposit rates, CBQ retail counter rates, Doha Bank fixed deposits, QIB expected profit rates, Ahlibank deposit rates, Dukhan Bank time deposits. Benchmark: Qatar Central Bank policy deposit rate.