What the bank asks for
The documents most commonly required are your Emirates ID, a valid UAE residence visa, your passport (or family book), a salary certificate or employment letter, and, in some cases, proof of address. If you are self-employed, the bank may also ask for your trade licence and company documents. [1]
How to apply
You can open an account with a local or an international bank operating in the UAE, at a branch or through the bank's website or mobile app. Some banks offer digital account opening, with your identity verified in the app. Approval usually takes a few hours to a few days, depending on the bank. Once the account is activated, you receive a debit card and can use online and mobile banking. [1]
Common account types are current accounts, savings accounts and business accounts. Islamic banks licensed by the Central Bank of the UAE offer accounts that comply with Shari'a. [1]
Minimum balance and fees
Many banks require a minimum monthly balance. If your balance falls below it, a monthly fee may apply. Each bank sets its own amount, so ask before you choose. [1]
Who regulates banks
The Central Bank of the UAE (CBUAE) supervises and regulates the banking and insurance sector. [1] If you have a complaint the bank does not resolve, see "Complaints about a bank or an insurer: Sanadak". [2]
Sources
- UAE Government portal, "Banking in the UAE" (updated 4 September 2026): https://u.ae/en/information-and-services/finance-and-investment/banking-in-uae
- UAE Government portal, "Raising complaints against financial institutions and insurance companies" (updated 4 September 2026): https://u.ae/en/information-and-services/finance-and-investment/Services-and-resources/raising-complaints-against-financial-institutions-and-insurance-companies