General guide — confirm on the official site
Opening a bank account
ബാങ്ക് അക്കൗണ്ട് തുറക്കൽ
You'll need a UAE bank account for salary and bills. Choose only banks licensed by the Central Bank.
Go to the official service Last updated: November 2026
This is general guidance. Fees and rules change — confirm on the official link and apply only there.
Who needs this?
Newly arrived residents.
Eligibility
- Residents with Emirates ID (or application receipt) can open current/savings accounts
- Some banks need a minimum salary (often AED 3,000–5,000) or balance
- Visitors can open limited non-resident accounts at some banks
Required documents
- Emirates ID
- Passport with residence visa
- Salary certificate from employer (for salary accounts)
- Proof of address sometimes (Ejari or utility bill)
Step by step
- Ask HR which bank they pay salaries through — easiest option
- Compare minimum balance, fees and app (see bank list below)
- Apply on the bank's app (UAE PASS speeds it up) or at a branch
- Receive debit card; activate online banking
Fees
Zero-balance salary accounts are common; otherwise a fall-below fee of ~AED 25–100/month may apply
Processing time
Same day (digital banks) to about 5 working days
Online or in person
Online and in person
Where to go — useful links
Prices and timings are approximate and change — confirm on the official site before paying.
Wio Bank
Digital bank — open the account on the app.
Liv (by Emirates NBD)
Digital account for young residents, opens on app.
Responsible authority
Common mistakes
- Not checking minimum balance rules and fees.
- Sharing your OTP or PIN with anyone.
Related questions
Can I open an account without an Emirates ID?
Many banks let you start with your passport, residence visa and Emirates ID application receipt, then complete it when the card arrives. Visitors can only open limited non-resident accounts at some banks.
Official sources
MalluDubai is an independent information portal. We don't accept applications or represent the government.