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Opening a business account in the UAE

The United Arab Emirates (UAE) is one of the most attractive jurisdictions in the world for entrepreneurs and international business. With a stable financial system, a business-friendly environment and no income or profit taxes in a number of areas, the UAE offers a strategic base for global operations.

If you are planning to start or expand a business in the Emirates, one of the first steps will be to open a corporate bank account in the UAE .

Below is a simple step-by-step guide to help you navigate the process without delay.


Step 1: Register a company in the UAE

To open an account, the company must be officially registered. There are three options:

  • Company in mainland (license from the Department of Economic Development)
  • Company in a free economic zone (one of 40+ free zones)
  • Offshore company (eg in JAFZA or RAK ICC, although banking options are limited here)

After registration you will receive key documents:

  • Trade License
  • Certificate of Incorporation
  • Memorandum & Articles of Association
  • Shareholders and Directors’ Resolutions

Without these documents, the bank will not consider your application.
At Fidustria , we check and prepare all corporate documents in advance — to eliminate errors and save your time.


Step 2: Choose the right bank for your business needs

The UAE banking sector includes both local and international banks, including:

  • Emirates NBD
  • First Abu Dhabi Bank (FAB)
  • Mashreq Bank
  • RAKBANK
  • HSBC
  • Standard Chartered

The choice of bank depends on:

  • Type and jurisdiction of the company (mainland or free zone)
  • Minimum balance required (from AED 25,000 to AED 500,000+)
  • Citizenship of shareholders
  • Expected volume of transactions and risk profile

Fidustria can help you find the bank or EMI that best suits your business, its schedule and operational goals.


Step 3: Prepare the necessary documents

UAE banks strictly adhere to compliance and customer verification requirements. You will need:

  • Trade license
  • Share Certificate
  • Charter and constituent documents
  • Copies of passports of shareholders and signatories
  • Resident visas (if any)
  • Emirates ID (for UAE residents)
  • Proof of address of shareholders (e.g. utility bill)
  • Company structure (if part of a group)
  • Business plan and invoices/contracts from potential clients
  • Documents on the origin of funds and capital

The Fidustria team ensures that all documents are prepared, translated (if necessary) and submitted correctly — without delays or returns.


Step 4: Interview with the bank or KYC call

All major UAE banks require at least one face-to-face meeting or video call with shareholders or authorized persons of the company. This is necessary for:

  • Understanding the essence of business
  • Checking the identity of shareholders
  • Estimates of the type and volume of expected transactions

Fidustria minimises the need for physical presence and, where possible, organises remote interviews.


Step 5: Account approval and activation

Once approved, you will receive an IBAN and access to online banking. You will then be able to:

  • Make a minimum deposit
  • Order debit/credit cards
  • Open multi-currency accounts (AED, USD, EUR, etc.)
  • Start working with clients and partners

The term of opening an account usually ranges from 2 to 6 weeks , depending on the bank and the specifics of the business.
Full preparation of documents from the very beginning is the key to a quick result.


Fidustria accompanies you at all stages — from company registration to full account activation — with maximum comfort, speed and compliance with all UAE bank requirements.

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