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Dubai waterfront
Life in Dubai · Banking

Opening a UAE Bank Account Online as an Expat

Setting up a bank account in the UAE is generally straightforward once you meet the basic requirements. Many banks now let you apply online through their mobile app, so you can often get started without setting foot in a branch. Here is how the process works, step by step, and what to have ready before you begin.

Official source: Central Bank of the UAE (centralbank.ae)

Procedure per Central Bank of the UAE (centralbank.ae). Fees and timelines change — check the authority's website. We don't invent numbers.

How to open your account

  1. 1

    Choose a bank

    You can open an account with either local or international banks operating in the UAE. Many of them allow you to apply online through their mobile app, so compare what each offers and how you would prefer to apply.

  2. 2

    Prepare the required documents

    Gather the documents banks most commonly ask for. Proof of address is only needed in some cases, so check what your chosen bank requires before you start.

    Documents:Emirates IDValid UAE residence visaPassport or family bookSalary certificate or employment letterProof of address (in some cases)
  3. 3

    Submit the application

    You can open an account either by visiting a bank branch or by applying through the bank's website or mobile application. Some banks offer fully digital account opening, where identity verification is handled through the app.

  4. 4

    Activate your account

    Once your application is approved, your bank account is activated. You receive a debit card and gain access to online and mobile banking services. Common account types you can choose from include a current account, a savings account and a business account.

Fees and timelines may change — verify with the official source.

Who provides this service in Dubai

Real companies from Google Maps — live ratings and reviews.

Shuraa Business Setup (Main Branch Dubai & UAE)

4.7(3057)
800 748722shuraa.com

Sheikh Zayed Road, 5th Floor - Aspin Commercial Tower - المركز التجاري الأولي - دبي - United Arab Emirates

ADCB - Dubai Mall Branch

4.8(3345)
600 502030adcb.com

Financial Centre Road, Dubai Mall, Ground level Dubai - برج خليفة - وسط مدينة دبي - دبي - United Arab Emirates

SRTIP Accelerator Dubai | Free Zone Company Formation

4.7(327)
050 795 6303srtipacc.ae

ROLEX TOWER - Level 9B Sheikh Zayed Rd - Trade Center Second - DIFC - Dubai - United Arab Emirates

HSBC Customer Service Centre Dubai Mall

3.9(557)
600 554722hsbc.ae

Unit LG - 059 - شارع الشيخ زايد - Burj Khalifa - Downtown Dubai - Dubai - United Arab Emirates

Bankbychoice

4.5(2221)
04 347 4768bankbychoice.com

319 Al Nasr Plaza Office Tower - عود ميثاء - دبي - United Arab Emirates

First Abu Dhabi Bank (FAB) | Dubai Mall Branch

3.8(510)
600 525500bankfab.com/en-ae/personal

Unit LG - 136 - Financial Ctr St - Burj Khalifa - Downtown Dubai - Dubai - United Arab Emirates

Prefer to skip the guesswork?

Our relocation team helps expats in Dubai open a UAE bank account online — from picking the right bank to preparing your documents and getting through the application cleanly. Tell us your situation and we will guide you through it.

Talk to our relocation team →

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