OPEN A UAE BANK ACCOUNT — WITHOUT THE GUESSWORK
Personal and corporate accounts at tier-1 UAE banks. We only take cases we know we can close — guaranteed.
The Idigov Guarantee
Why people who can't get a UAE bank account come to us.
We only take cases we can close
If approval is uncertain, we decline. No 'let's try' — when we accept your case, the account opens. Period.
Tier-1 banks only
Direct relationships with Emirates NBD, FAB, HSBC, Mashreq, ADCB, and RAK Bank. No mid-tier workarounds.
Fastest possible turnaround
Pre-screened files mean fewer rounds with the bank. We move as fast as the regulator allows — not slower.
KYC & due-diligence done right
We prepare and defend your file. Source-of-funds, business activity, residency status — handled properly the first time.
We don't take every case. That's why ours close.
Tier-1 banks notice when an introducer brings them weak files. We protect those relationships — and your timeline — by being selective up front.
Cases we accept
- Verifiable source of funds — salary history, business sale, real estate proceeds, or declared inheritance.
- Genuine UAE residency intent or established business activity.
- Full document trail — passport, residence proof, financials, business registration.
- Compatible nationality and sector profile for tier-1 banking.
- Cooperative timeline — ready to fly or notarize a PoA within 2–4 weeks.
- Realistic minimum-balance commitment for the chosen tier.
Cases we decline
- Anonymous shell structures with no operating substance.
- Crypto-only wealth without a clean conversion trail.
- Sanctioned jurisdictions or undisclosed PEP profiles.
- High-risk sectors banks systematically refuse — arms, gambling, adult content, certain crypto activities.
- Unverifiable beneficial ownership chains.
- Submit-and-hope clients unwilling to do the prep work.
Accounts We Open
Personal or corporate. Resident or non-resident. Mainland, free-zone, or offshore.
Personal — Resident
Full retail account for UAE residence visa holders.
Best for: salary, savings, mortgage, daily life in the UAE.
Personal — Non-Resident
Available at select tier-1 banks for qualifying clients.
Best for: international clients holding UAE assets without local residence.
Corporate — Mainland / Free Zone
Operating account for UAE-licensed entities.
Best for: trading, services, e-commerce, holding companies.
Corporate — Offshore
Banking for offshore entities (RAK ICC, JAFZA Offshore, etc.).
Best for: international structures, IP holding, asset protection.
How It Works
Discovery & Pre-Screen
We audit your case against bank policy. If approval isn't certain, we tell you upfront — no wasted weeks.
Submission & Pre-Approval
Documents filed; we manage banker comms until written pre-approval lands. Typically 5-10 working days.
Sign in Dubai (or via PoA)
You fly in for a 30-minute signing — or your Power-of-Attorney holder does it for you.
Account Live
IBAN, debit card, and digital banking activate within 2-3 business days post-signature.
Two paths to your signature. Both arrive.
Once your bank issues pre-approval, only your signature stands between you and an open account. Choose the path that fits your calendar.
Path A
Fly-in signature
Founders combining the trip with property viewings, residency processing, or in-person banker introductions.
Pre-approval issued → 90-minute branch appointment → activation in 2–3 business days.
We book the slot, brief the banker before you arrive, and escort you in branch.
Path B
Power of attorney
Clients who can't travel, multi-jurisdiction professionals, time-sensitive structures.
Notarized PoA prepared (Dubai or apostilled abroad) → we sign on your behalf → activation in 2–4 business days.
PoA drafting, notarization coordination, attestation, banker briefing — all handled.
What's Included
The work the bank sees — that you don't have to do.
Most rejections aren't about you. They're about how you're presented. Here's the package we hand the banker on your behalf.
Tier-1 banks. Real relationships.
Three of the UAE's strongest banks have direct desks for our clients. Choose the one that fits how you'll actually use the account.
Emirates NBD
UAE residents · Real estate buyers · Daily multi-currency holders
Deepest UAE branch network and the fastest local clearing for AED transactions. The default choice if you live, transact, or invest in Dubai.
- • Personal — Resident & Non-Resident
- • Corporate — Mainland & Offshore
AED · USD · EUR · GBP
First Abu Dhabi Bank
High-net-worth individuals · Sovereign-backed peace of mind
Largest UAE bank by assets, with one of the region's most robust private-banking arms. Best when you want a relationship banker, not a branch teller.
- • Personal — Resident & Non-Resident
- • Corporate — Mainland & Offshore
AED · USD · EUR · GBP · CHF
HSBC UAE
International transfers · Multi-jurisdiction professionals
Global wire reach across 60+ countries. The default choice if your money moves across borders weekly.
- • Personal — Resident & Non-Resident
- • Corporate — Mainland (restricted Offshore)
AED · USD · EUR · GBP · JPY · AUD
Will your case work? Five questions.
Answer yes to all five and we'll likely take the case. If not, we'll tell you exactly what to fix before submission.
Banks need 2–3 years of clear lineage: payslips, business sale agreements, inheritance certificates, or real estate deeds. If you can't, we help you reconstruct the file before submission.
Resident accounts require an Emirates ID. Non-resident accounts require a real-estate stake, family in the UAE, or established business travel. If you don't have either yet, visa processing comes first (5–10 business days).
Tier-1 banks are comfortable with real estate, professional services, trade, tech, manufacturing, and established consulting. Crypto-only, gambling, adult, and certain regulated activities route to specialty banks instead.
Once pre-approval is issued, you have 4–6 weeks to sign. If neither path is workable, the account cannot activate. Plan your calendar before submission.
Personal: starting around AED 3,000–25,000 depending on bank and tier. Corporate: starting AED 50,000–500,000. We match you to a bank whose minimums fit how you'll actually use the account.
FAQ
Yes — most banks require an in-person signing visit (typically 30 minutes). If you can't travel, we draft and notarize a Power of Attorney so a representative signs on your behalf.
Document preparation: 1-3 days. Bank pre-approval: 5-10 working days. Account live: 2-3 business days post-signature. Total: typically 2-4 weeks end-to-end.
Yes, at select tier-1 banks for qualifying profiles. Corporate accounts for offshore entities are easier than personal non-resident accounts. We'll tell you which is feasible in your case during discovery.
Sanctioned-country residence, PEP exposure without proper documentation, business activity outside the bank's risk appetite, or insufficient source-of-funds evidence. We screen all of this in discovery — if we can't close it, we don't take the case.
Not for non-resident or corporate accounts. Yes for full personal resident accounts. We can sequence visa + bank account together if you're setting up a company anyway.
Passport, Emirates ID (if resident), proof of address, source-of-funds documentation, and — for corporate — trade license, MoA, board resolution, and shareholder details. We send a tailored checklist after discovery.
Yes — but only after we accept your case. If we have any doubt during discovery, we decline upfront. That's how the guarantee stays real.
Emirates NBD, First Abu Dhabi Bank (FAB), HSBC, Mashreq, ADCB, and RAK Bank. Tier-1 only — no mid-tier or workaround banks.
Ready to open your UAE bank account?
Send us your case. We'll tell you in 24 hours whether we can close it.
