Compare Accounts in United Arab Emirates

Current and payment accounts in the UAE span 15 banks and fintech challengers, from fee-free digital accounts to premium accounts with travel benefits. Compare monthly fees, interest rates and account features such as budgeting tools and instant international transfers before opening.

20 live accounts offers tracked across 15 UAE providers, with monthly fees from AED 0. Data current as of 5 November 2026 and updated daily from the Giraffy database.

Live offers

20 live offers compared from 15 providers. Updated daily.

ADCB Current Account Abu Dhabi Commercial Bank

AED 0

  • Min. Salary Transfer: 5,000
  • Intl. Cash Withdrawal Fee: 21
  • Intl. Transaction Fees: 1.05%

FAB One Account First Abu Dhabi Bank

AED 0

  • Min. Salary Transfer: 10,000
  • Intl. Cash Withdrawal Fee: 21
  • Intl. Transaction Fees: 2.10%

ADIB Current Account UAE ADIB

AED 0 /month

  • Min. Salary Transfer: AED 5,000
  • Intl. Cash Withdrawal Fee: AED 10
  • Intl. Transaction Fees: 2.99%

ADCB Active Account UAE Abu Dhabi Commercial Bank

AED 0 /month

  • Min. Salary Transfer: AED 5,000
  • Intl. Cash Withdrawal Fee: AED 10
  • Intl. Transaction Fees: 2.99%

Personal Current Account - Standard First Abu Dhabi Bank

AED 0

  • Min. Salary Transfer: Employer Statement
  • Intl. Cash Withdrawal Fee: 21
  • Intl. Transaction Fees: 2.10%

Personal Current Account - Platinum First Abu Dhabi Bank

AED 0

  • Min. Salary Transfer: Employer Statement
  • Intl. Cash Withdrawal Fee: 21
  • Intl. Transaction Fees: 2.10%

Emirates NBD Current Account Emirates NBD

AED 0 /month

  • Min. Salary Transfer: AED 5,000
  • Intl. Cash Withdrawal Fee: AED 10
  • Intl. Transaction Fees: 2.99%

Ajman Bank Current Account Ajman Bank

AED 0 /month

  • Min. Salary Transfer: AED 3,000
  • Intl. Cash Withdrawal Fee: AED 10
  • Intl. Transaction Fees: 2.99%

CBD Current Account UAE Commercial Bank of Dubai

AED 0 /month

  • Min. Salary Transfer: AED 5,000
  • Intl. Cash Withdrawal Fee: AED 10
  • Intl. Transaction Fees: 2.99%

Emirates Islamic Current Account Emirates Islamic

AED 0 /month

  • Min. Salary Transfer: AED 3,000
  • Intl. Cash Withdrawal Fee: AED 10
  • Intl. Transaction Fees: 2.99%

Al Hilal Bank Account UAE Al Hilal Bank

AED 0 /month

  • Min. Salary Transfer: AED 3,000
  • Intl. Cash Withdrawal Fee: AED 10
  • Intl. Transaction Fees: 2.99%

Citi Bank Account UAE Citi UAE

AED 0 /month

  • Min. Salary Transfer: AED 8,000
  • Intl. Cash Withdrawal Fee: AED 10
  • Intl. Transaction Fees: 2.99%

Dubai Islamic Bank Current Account Dubai Islamic Bank

AED 0 /month

  • Min. Salary Transfer: AED 5,000
  • Intl. Cash Withdrawal Fee: AED 10
  • Intl. Transaction Fees: 2.99%

HSBC UAE Current Account HSBC UAE

AED 0 /month

  • Min. Salary Transfer: AED 10,000
  • Intl. Cash Withdrawal Fee: AED 10
  • Intl. Transaction Fees: 2.99%

FAB Current Account UAE First Abu Dhabi Bank

AED 0 /month

  • Min. Salary Transfer: AED 5,000
  • Intl. Cash Withdrawal Fee: AED 10
  • Intl. Transaction Fees: 2.99%

Mashreq Current Account UAE Mashreq

AED 0 /month

  • Min. Salary Transfer: AED 5,000
  • Intl. Cash Withdrawal Fee: AED 10
  • Intl. Transaction Fees: 2.99%

RAKBank Fast Account UAE RAKBank

AED 0 /month

  • Min. Salary Transfer: AED 3,000
  • Intl. Cash Withdrawal Fee: AED 10
  • Intl. Transaction Fees: 2.99%

SIB Current Account UAE Sharjah Islamic Bank

AED 0 /month

  • Min. Salary Transfer: AED 3,000
  • Intl. Cash Withdrawal Fee: AED 10
  • Intl. Transaction Fees: 2.99%

Standard Chartered UAE Account Standard Chartered UAE

AED 0 /month

  • Min. Salary Transfer: AED 10,000
  • Intl. Cash Withdrawal Fee: AED 10
  • Intl. Transaction Fees: 2.99%

FAB Etihad Guest Account First Abu Dhabi Bank

Price on request

  • Min. Salary Transfer: 10,000
  • Intl. Cash Withdrawal Fee: 21
  • Intl. Transaction Fees: 2.10%

 

Introduction: Understanding Bank Accounts in the UAE

The UAE’s robust banking sector offers various accounts for residents, expats, and businesses. From current accounts for daily transactions to savings accounts with attractive interest or profit rates, there’s something for everyone.

 

Types of Bank Accounts in the UAE

  • Current Accounts: Ideal for everyday banking—pay bills, manage expenses, and enjoy a debit card.
  • Savings Accounts: Earn interest or profit on your balance while enjoying easy access to funds.
  • Islamic Banking Accounts: Sharia-compliant options that share profits rather than charge interest.
  • Business Accounts: Tailored for companies to manage corporate finances.

 

Top Banks in the UAE

  • Emirates NBD: Offers a wide range of accounts and extensive branch/ATM networks.
  • First Abu Dhabi Bank (FAB): Combines modern banking solutions with competitive rates.
  • Abu Dhabi Commercial Bank (ADCB): Known for user-friendly online banking and great customer service.
  • Abu Dhabi Islamic Bank (ADIB): Provides Sharia-compliant accounts and profit-sharing features.
  • Mashreq Bank: Offers innovative digital solutions, mobile banking, and quick account opening.

 

How to Open a Bank Account in the UAE

  • Requirements for Residents: Emirates ID, valid residency visa, passport, and proof of address/income.
  • For Non-Residents: Some banks offer non-resident accounts but with additional conditions and minimum balances.

 

Online Banking Services

Most banks provide mobile apps and online portals for managing your finances, transferring funds, paying bills, and applying for additional products seamlessly.

 

Key Features to Consider

  • ATM Network: Wide coverage for convenient cash withdrawals.
  • Minimum Balance Requirements: Some accounts require you to maintain a minimum balance.
  • Fee Structure: Compare fees for transactions, transfers, and maintaining the account.
  • Islamic vs. Conventional: Choose based on your financial principles and preferences.

 

Security and Privacy

UAE banks employ advanced security measures—two-factor authentication, biometric verification, and encryption—to ensure your money and data remain safe.

 

Conclusion

Selecting the right bank account in the UAE depends on your needs—daily transactions, saving goals, Sharia compliance, or business needs. Compare offers, read terms carefully, and choose a trusted bank that aligns with your lifestyle.

 

FAQs

  • Can expats open accounts?
    Yes, with valid residency visas and required documents.
  • Do I need a minimum balance?
    Many accounts have minimum balance requirements; check with your chosen bank.
  • Are there Islamic banking options?
    Yes, ADIB, Emirates Islamic, and others provide Sharia-compliant accounts.
  • How long does it take to open an account?
    Usually a few days once you submit all required documents.

Accounts in United Arab Emirates — FAQ

How do I open a bank account in the UAE?

Giraffy compares 20 accounts from 15 UAE banks and providers. You normally need a valid Emirates ID; many banks also ask expats for a passport, residence visa and salary certificate. Most banks let you open the account in their app, and some accounts are fully digital, such as Mashreq Neo and Wio Bank.

Which UAE bank accounts need no minimum balance?

ADIB's Current Account lists an AED 0 minimum balance and Mashreq Neo's digital account AED 0–50. ADIB Maqsam, Ajman Bank, Al Hilal Smart, Dubai Islamic Bank, Emirates Islamic and SIB e-Bader list AED 1,000. ADCB, Emirates NBD, RAKBank and Standard Chartered ask for AED 3,000, and FAB's Current Account AED 5,000.

Do UAE current accounts charge a monthly fee?

Every listed account shows an AED 0 monthly fee as long as you keep the minimum balance. Most banks charge a fall-below fee if your balance drops under it, so check the amount on the bank's page — or pick a low-minimum account if your balance moves around.

Which Islamic bank accounts are available in the UAE?

Sharia-compliant current accounts are listed from ADIB, Dubai Islamic Bank, Emirates Islamic, Al Hilal Bank, Ajman Bank and Sharjah Islamic Bank. An Islamic current account is usually a Wadiah (safekeeping) account: it pays no interest or profit, and the bank guarantees your balance on demand.

What are Priority and Premier accounts?

Packages that ask for a higher balance in exchange for a relationship manager and extra benefits. Listed examples: Citi Priority with an AED 20,000 minimum balance, HSBC Premier with AED 50,000, and CBD Priority with AED 3,000.