Thinking about opening a personal bank account in the UAE? Whether you’re a resident or a non-resident, this step-by-step guide walks you through everything you need to know — from choosing the right bank and preparing documents to understanding account types and minimum balance requirements. Get expert tips and avoid common mistakes when setting up your account in Dubai, Abu Dhabi, or anywhere across the Emirates.

✅ If You’re a UAE Resident

Step 1: Choose Your Bank
Popular options:

• Emirates NBD

• ADCB (Abu Dhabi Commercial Bank)

• First Abu Dhabi Bank (FAB)

• Mashreq Bank

• RAK BANK

• Dubai Islamic Bank.

Step 2: Prepare Required Documents Here’s what you’ll need:

• Valid Emirates ID (mandatory)

• Valid Passport

• Valid UAE Residence Visa

• Salary certificate from your employer (or letter of no objection)

• Proof of address (can be your tenancy contract or utility bill)

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Step 3: Visit a Branch or Apply Online

• Most banks allow walk-ins or online applications.

• Some banks also have mobile apps where you can start the process.

You’ll need to sign documents in person and may be asked security questions.

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Step 4: Activate Your Account

• You’ll receive your ATM card and chequebook.

• Set up online banking and mobile app access.

Some banks offer zero balance accounts for certain salary ranges.

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✅ If You’re a Non-Resident

Yes, non-residents can open an account in the UAE, but it’s more limited.

Requirements:

• Passport (with visa stamp if applicable)

• Recent utility bill (proof of address in your home country)

• Bank reference letter from your home country

• 6 months’ personal bank statement

• Some banks may ask for a UAE sponsor or reason for opening the account

⚠️ Only savings accounts are available for non-residents (no chequebooks).

💳 You may still get a debit card and online banking access.