Banking Made Easy: How to Open Bank Account in UAE Without Salary?

        

Last updated on July 29th, 2025

If you are wondering how to Open a bank account in UAE without salary, it is not a big deal. You can easily apply for an account by providing the required documents in the bank or online, however, if you want a bank account for low cost business setup in UAE then the process is little bit different.. The real challenge is how to open bank account in UAE without salary? 

If you are an entrepreneur, student, housewife, or Freelancer and do not have any salary but want to avail yourself of bank services and withdraw money, don’t worry! There are several banks that provide the opportunity to open an account without any salary requirement. 

We all know the importance of bank accounts and their crucial role in savings and Financial Stability. If you are new in the city or have just started a job, you can open new bank account in the following banks

• ADIB
• CBD
• HSBC
• Flexi Account
• Mashreq 
• ADCB
• NBD

These banks not only allow you to open an account without the requirement of salary but also provide services that can contribute to encouraging saving habits and economic growth.

Are you excited to know how to open bank account in Dubai without salary? and what services they are providing to their customers?

Yes! Let me explain in detail one by one.

Bank Accounts without Salary Requirement

There are many banks that do not require a salary, but you have to be careful while choosing, as there can be monthly or annual charges to pay. The UAE accounts in which no minimum salary is required are Flexi account, Emirates NBD bank, and Abu Dhabi Commercial Bank.

ADIB Smart Banking Account – Bank Account without Salary Requirement

ADIB is a popular smart banking account in the UAE for individuals with small incomes and foreigners looking for free international transactions and profit returns. However, it is currently unavailable for new users as the bank has stopped accepting new applications in 2025, meaning only current users can access the accounts. 

There is no minimum balance requirement, and it allows one free international transaction per month. The salary requirement for an ADIB smart banking account is AED 5,500.

Commercial Bank of Dubai (CBD) – Bank Account without Salary Requirement

The CBD e-saver account offers no balance requirement, no salary requirement, and no maintenance fees. UAE nationals or residents can open an account online and submit required documents such as the Emirates ID, the Residence visa, and the passport.

HSBC E-Saver Account – Bank Account without Salary Requirement

HSBC offers a digital zero balance account, which is popular among individuals looking for a deposit and withdrawal. Both UAE residents and expats can apply for this account by submitting their Emirates ID, Passport, and Residence Visa.

Flexi Account – Bank Account without Salary Requirement

Flexi accounts fall in the category of the most beneficial savings accounts in the UAE. Its valuable services for the customers make it a preferred choice among others. It allows access to all the services irrespective of the balance in the account. If you do not have a salary or you need a bank account, a Flexi account can be a good option for you. 

Mashreq Bank

In 1967, Mashreq Bank was established under the title of Bank of Oman. It is the oldest bank in the UAE, and it introduced debit and credit cards for customers. Another good thing about Mashreq open account is that it introduced a loan strategy in banks.

The process of opening an account in Mashreq is easy and convenient as you can also apply online, and it also eliminates the paperwork and other time-consuming steps. 

You can also get a 6% annual return annually without paying charges for maintenance or initial deposits. Additionally, there is no restriction on number of transactions per month in Mashreq open account. 

Abu Dhabi Commercial Bank (ADCB)

The United Arab Emirates’ third-largest bank and the Arab Gulf region’s fifth-largest bank was first known as Union National Bank and is now known as ADCB. The speed-up savings account of ADCB offers a 6.5% annual return without any salary requirement. 

It is a reliable and secure platform for short-term and long-term savings. It is a contributor to the economy as it provides services to the Egyptian market by investing. You can also be a part of it by opening an account with ADCB. 

NBD Bank – UAE Account Without Salary Requirement

Another bank that offers the opportunity to open an account without salary is NBD Bank. It comes with many other benefits, including no balance maintenance and zero annual and monthly fees. Moreover, for convenience, an online application option is also provided to individuals.

The only limitation is that you should be a resident of UAE and be older than 18 years. Use the Liv app and open your account to earn a profit of up to 1.5%.

Procedure To Open Bank Account UAE

The procedure to open bank account UAE varies from Bank to Bank, but generally, the following steps are involved. You can open an account from home as well through the official site of the selected bank.

•   The first step is to choose a bank that is reliable and secure 
•   The second step is to select an account type that suits your needs and work type
•  The third step is to fill out the provided application form either online or at the bank
•   In the next step, the required proofs and documents are attached 
•  For accuracy, reread the personal information you provided in the application form
•   The last step is to submit the application form 

Transfer the initial deposits if required, and in 2 to 3 working days, login credentials will be provided through SMS or email. Activate your account and use it. 

Eligibility & Required Documents – How to Open Bank Account in UAE Without Salary?

Opening a bank account without a salary requirement is an attractive option for low-income individuals, freelancers, students, and small business owners. However, there is a general eligibility criterion that you must fulfill to enjoy a smooth account opening process.

General Criteria

For zero balance accounts, the general criterion is,

• The applicant must be 18 years or older.
• The applicant must be a UAE national or hold a valid UAE residency visa.
• A valid passport and Emirates ID are required, and foreigners must have a valid residency visa in the UAE. 

Requirements Per Bank Account Type

These include the following,

Salaried Employees

Salaried individuals must provide proof of income or a recent salary slip. They must also provide a contract or labour card confirming their current job.

Self-Employed/Non-Salaried Individuals

They need to provide bank statements or any other financial documents to prove their financial stability and documents proving their monthly income (if applicable).

Foreigners

A valid UAE residency visa, proof of local address, utility bills, or a tenancy contract.

Students

They must provide a valid student ID from a recognized institute in the UAE and guardian information if they do not earn a personal income.

Housewives

Housewives must provide employment documents, income from their spouse, and a marriage certificate to prove their relationship with the sponsor.

These are basic documents and eligibility requirements, which can vary by bank in the UAE. It is best to check with your bank about the required documents before applying for a bank account without a salary.

Benefits of Opening a Zero Balance Account in the UAE – How to Open Bank Account in UAE Without Salary?

Zero balance accounts are popular because of the easy setup, money saving, and several benefits that come with them. These accounts are convenient because of the easy online application process, which eliminates the need to visit the bank in person and submit documents. 

A zero-balance bank account is an attractive option for businesses, as many banks offer cashback and rewards on transactions. Those cashbacks are given on shopping, bill payments, and other daily transactions. Zero balance accounts have no minimum balance requirement, which provides relief to the account holders as they don’t have to worry about fines or penalties. This feature is particularly best for small businesses or individuals with income fluctuations, freelancers, and part-time workers.

Conclusion

At the end of this article, we hope you have a clear understanding of how to open bank account in UAE without salary and which specific banks provide this opportunity to persons without regular income. Bank accounts not only contribute to Economic Growth but also provides stability and easy access to money. You can use a debit or credit card for payments, eliminating the need for cash. You can hire Alriyady expert, if you’re looking for  open a bank account in Dubai, UAE  and enjoy the services and facilities without paying any charges.