Start with the right route for a personal or corporate UAE bank account. Residency, signatories, account features and the source of funds shape the documents and bank review.
Share your contact details and citizenship. We will discuss the account purpose, residency position and information needed for an initial assessment.
Once the account route is clear, explain why it is needed and how it will be used. A company file connects its activity, owners, authorised signatories and expected payments with evidence. A personal file focuses on identity, residency, financial background and intended use.
We organise the available records, identify gaps and coordinate the agreed application steps. The bank conducts its own customer checks, may request further evidence and makes the final decision. Read the UAE Central Bank’s customer due diligence guidance.
Gather these records before choosing a product. The selected bank will give you its exact document list and may request additional evidence.
Define the account holder, intended use and residency position before choosing a bank product.
Prepare identity, UAE residence and financial-background evidence for the applicant.
Check the available product first, then prepare the documents required for an overseas applicant.
Show who owns and operates the company and how the account supports its business.
Personal and corporate accounts require different files. Residency affects available products and verification; the bank confirms eligibility and features.
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| Account route | Initial file | Confirm with the bank |
|---|---|---|
| Personal · UAE resident | Passport, Emirates ID or residence records, address, income and source-of-funds evidence. | Current or savings product, salary or balance conditions, and the features you need. |
| Personal · non-resident | Passport, overseas address and financial-background or banking records; further evidence may be requested. | Which products are available, whether current-account features are included, and any attendance requirement. |
| Corporate · resident signatory | Company licence, constitutional records, ownership, signatory authority, business activity and payment evidence. | Company package, identity checks and account-operation rights for each authorised person. |
| Corporate · non-resident signatory | The same company file plus the non-resident person’s identity, address and business or funding links. | Whether this signatory profile is accepted and what Emirates ID, attendance or other verification steps apply. |
A preparation structure for your own information. Support each explanation with accurate records; the bank may request more.
Explain what the business sells, how it earns revenue and whether it is already trading. Support the description with relevant contracts, invoices or other evidence.
Identify the ownership chain, beneficial owners and authorised signatories. Explain where the company, customers and suppliers operate.
Describe the purpose, countries, currencies and expected frequency or value of incoming and outgoing payments. Use estimates supported by the business plan.
Explain the initial funding and ongoing source of money. Identify the bank statements or other documents connecting the funds to their lawful origin.
A prepared application, a clear submission route and coordinated follow-up throughout the bank’s assessment.
Discuss your business activity or personal banking purpose, expected payments, currencies and residency position. Establish the services and practical account conditions you need to consider.
Review the relevant company or personal records, identify missing information and prepare a consistent explanation of the activity and funds associated with the proposed account.
Confirm the chosen account criteria and submission requirements. Coordinate the application materials and any appointment or verification steps required from you and the authorised signatories.
Track requests, organise supporting responses and clarify the next action. If approved, support the agreed onboarding follow-up; timing and the final decision remain with the bank.
Confirm the actual product terms before applying. Bank charges and balance requirements vary; our assistance fee is quoted separately.
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| Cost or condition | Who receives it | What to verify |
|---|---|---|
| Application assistance | Capitals28 | Our written proposal states the fee and which preparation, coordination and follow-up tasks are included. |
| Account or package charges | Bank, if applicable | Check set-up, monthly maintenance and optional package charges in the selected bank’s tariff. |
| Initial deposit or minimum balance | Funds held in your account | Check the required opening amount, balance rule and any shortfall charge. The balance itself is not a service fee. |
| Transfers and foreign exchange | Bank and payment intermediaries | Check local and international transfer fees, exchange rates and possible correspondent-bank charges. |
| Supporting documents | Third parties, if required | Confirm translation, attestation, courier or other document costs before ordering them. |
Eligibility, residency, banking channels, fees and the review process.
A licence establishes the company’s registered activities but does not by itself secure an account. The bank assesses the application, ownership, purpose and supporting evidence under its own onboarding criteria. Our role is to support preparation and coordination; the bank decides whether to accept the application.
Potentially, but a UAE company licence does not determine the available bank product. The bank assesses the company, owners, authorised signatories and the applicant’s residency and verification route. We check those criteria before preparing a corporate application; an Emirates ID or in-person step may be required for a particular product.
Yes. A UAE resident may be eligible for personal current or savings products, subject to the bank’s criteria. A non-resident should check which personal products are available and whether the required account features are included; some banks offer a savings route while reserving current accounts for residents. Identity, address, financial background and intended use need supporting evidence. See one bank’s non-resident document example.
Some banks provide digital application channels, but access depends on the product, entity and applicant profile. Online submission does not remove verification requirements. The bank may require further identification, original documents or attendance; we clarify the applicable process before planning the submission.
The process depends on document readiness, company or applicant complexity, the bank’s review and any additional requests. We explain the expected stages once the scope is assessed and follow up on outstanding items. A fixed approval date cannot be set on the bank’s behalf.
Separate our assistance fee, bank charges, account balance conditions and external document costs. An initial deposit or minimum balance is money held in the account, not a service fee; falling below a required balance may create a charge. Ask the selected bank for its current Key Facts Statement and fee schedule, including transfer and foreign-exchange costs. See the Central Bank’s disclosure rules.
Currency availability and international payment access vary by bank and package. Explain which currencies you use, where your customers and suppliers are based and the expected payment volumes. These requirements should be checked against the proposed account’s supported services and charges.
We help organise the requested clarification within the agreed scope. If the bank declines, we can discuss the information available and whether a different approach merits assessment. A further application requires its own eligibility review, and a different bank may reach a different decision.
Tell us whether you need a personal or corporate account, who will hold or operate it, and the residency position. We can then identify the first documents and the bank criteria to check.