Ziyo Gold Scheme
Save monthly. Collect 22KT grams. Redeem jewellery with a 5% bonus.
Every instalment is converted into 22KT gold grams at the ZIYO rate on the day we receive it. Complete your 6 or 12 month term and receive a 5% bonus purchase credit towards gold, diamond, pearl or precious-stone jewellery.
Live 22KT rate (indicative) AED 497.51/g · Identity verification (KYC) is completed while joining. You'll sign in first — it takes a minute.
How it works
1 · Enrol & verify
Choose your term and fixed monthly amount, add a nominee and complete KYC with your Emirates ID or passport.
2 · Pay monthly
Pay on or before the 10th (grace until the 15th). Each payment converts to 22KT grams at that day's rate.
3 · Redeem with bonus
On maturity, redeem all your grams against eligible jewellery and add a 5% bonus purchase credit.
Plan your scheme
Illustration at today's 22KT rate. Your actual grams depend on the rate on each payment date.
Scheme term
Monthly instalment (multiples of AED 100)
Bonus is a purchase credit in AED — not grams and never cash. It must be redeemed within one month of maturity.
Redeem against
- 22KT, 18KT and 14KT gold jewellery
- Diamond jewellery (natural and lab-grown)
- Pearl jewellery
- Precious and semi-precious stone jewellery
Not applicable to
- 24KT jewellery and ornaments
- Gold coins, bars and biscuits
- Products under 0% making-charge offers
- Vouchers and promotional products
- Combining with another offer, unless authorised by ZIYO
Good to know
Missing a month is allowed — your maturity date simply extends by one month for that cycle, and your grams never expire.
You may pay future instalments in advance; they all convert at the 22KT rate on the day of that advance payment.
The monthly amount is fixed by your first instalment and cannot be changed later. You may open more than one scheme.
Closure is completed in full through a jewellery purchase — partial closure and cash refunds are not available.