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How to Open Bank Account in UAE Without Salary?

To open a bank account in UAE without salary, there are two methods depend upon the Bank you like to choose! 

  1. Open an account with CBD Digital Current Account 
  2. Open an account with ADCB Active Saver Account 

Open Bank Account in UAE Without Salary with CBD Digital Current Account

To open a bank account in UAE without salary using CBD Digital Current Account:

  • Download the CBD Mobile Application
  • Sign up with your name, email address, and password
  • Click Submit
  • Next, scan your Emirates ID when prompted

After completion, CBD will open an account and send you a debit card within 1-2 days.


Open ADCB Active Saver Account in UAE Without Salary

To open UAE Bank Account Without Salary using ADCB Active Saver Account:

  • Login to the ADCB Personal Internet Banking
  • From the left pane, click Open New Account
  • Choose Active Saver AED/USD/GBP from the drop-down menu
  • Complete filling the application form

It will create your account online and display the details to you!

Which is the Best Way to Open a Bank Account in the UAE Without a Salary?

From a wide range of methods,  are two  effective ways to open an account without a salary in the UAE. The initial one utilizes the Commercial Bank of Dubai, while the latter is from ADBC. Both are reliable, and their features vary! Since they have no minimum balance requirements, therefore they are often termed as zero balance accounts. 

CBD Digital Current Account 
ADCB Active Saver Account 
No minimum balance 
No maintenance fees 
Average monthly balance Generates upto 1.5% interest 
Can debit thrice from ESaver Account monthly 
No minimum salary 
Cash withdrawal through online banking 
Interest rates depend upon the amount 
Available in AED, USD, and GBP 
Can pay Credit Card Bills, transfer funds or avail Touch Points Online to Payment Facilities 
Withdraw cash anytime 
No minimum balance or salary required

Comparing the two, going for an ADCB account is a wise choice if you would keep a hefty amount. The interest rates surge upto 2% depending upon the amount. If you are keeping a nominal account, then go for CBD!

Depending upon the transfers, interest rates, and currencies, ADCB Active Saver Account is the best choice!

Requirements to Open A Bank Account in UAE Without Salary

Opening a bank account without salary requires an active Emirates ID. Rest the eligibility criteria differs depending upon the Bank you are choosing!

Eligibility Criteria to Open a CBD Digital Current Account

  • Must be 18 years or older
  • Should have an Emirates ID, whether citizen or holding a residence visa
  • Cannot have a joint account

Eligibility Criteria to Open an ADCB Active Saver Account

  • Should have an Emirates ID
  • Must be 21 years or older
  • An existing ADCB Current or Savings Account is Must
  • Cannot Open For a Minor or a Joint Account

An address proof is also required sometimes for ADCB Active Saver Account. Besides, these you don’t need any additional documents and for sure not Salary certificate! 

In conclusion, to open a bank account in the UAE without salary, you can choose CBD Digital Current Account (Abu Dhabi Commercial Bank)  or ADCB Active Saver Account. Both options have no minimum balance, no maintenance fees, and require an active Emirates ID.

ADCB Active Saver Account offers higher interest rates for more significant amounts. Moreover, it also enables you to have debit cards, online banking without limitations. In contrast, CBD Digital Current Account is suitable for lower balances. To sum up, both offer mobile banking. The bank officials do perform a background check on their level.

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