Zero Balance Accounts UAE 2025: Best Expat-Friendly Banks Ranked
Looking to open a bank account in the UAE without worrying about maintaining a monthly minimum balance? You’re not alone. In 2025, more expats, freelancers, students, and newcomers are searching for zero-balance bank accounts that offer ease, convenience, and digital access without hidden charges. Whether you’re based in Dubai, Abu Dhabi, or any other emirate, this guide lists the most expat-friendly banks offering zero balance accounts with quick setup, user-friendly apps, and real-time banking features you can count on.
Here are the most expat-friendly UAE banks where you can open a zero-balance account in 2025, along with location details and practical insights.
1. Mbank – Al Maryah Community Bank
Location: Abu Dhabi (Digital-first, fully accessible via mobile across UAE)
About the Bank:
Mbank is UAE’s first fully digital community bank, known for fast and hassle-free account setup. As of July 2025, it remains one of the best zero-balance account providers for expats.
What You Need to Open an Account:
UAE Pass (recommended)
No salary certificate required
Why People Love It:
- 100% digital setup in less than 5 minutes
- No fees or hidden charges
- Comes with a free virtual and physical debit card
- Prepaid card options also available
Special Feature:
The app is user-friendly and offers real-time notifications and multilingual support. It’s great for freelancers, students, and anyone who wants to avoid paperwork.
2. By Emirates NBD
Location: Headquartered in Dubai (Digital-only bank usable across UAE)
About the Bank:
Liv. Is a mobile-only banking app by Emirates NBD, created for millennials and digital-savvy users. It offers a lifestyle-focused experience and does not require a minimum balance.
What You Need to Open an Account:
Emirates ID
UAE mobile number
Set up via the Liv. App (no need to visit a branch)
Why People Love It:
- Offers lifestyle deals and cashback promotions
- Budget tracking tools and savings options in the app
- Free virtual and physical debit card
Special Feature:
It’s perfect for people who prefer doing everything on their phone—from splitting bills to saving for goals. It even has a built-in gold-saving feature.
3. ADCB Hayyak (Abu Dhabi Commercial Bank)
Location: Abu Dhabi (available digitally across UAE)
About the Bank:
ADCB is a leading traditional bank in the UAE. The Hayyak platform allows you to open accounts online without visiting a branch. It’s designed to make banking simple and accessible.
What You Need to Open an Account:
- Emirates ID
- UAE mobile number
- Optionally: Salary certificate (depending on account type)
Why People Love It:
- Access to full ADCB services like loans and cards
- No minimum balance required for most Hayyak accounts
- Physical debit card delivered to your address
Special Feature:
You get the reliability of a big-name bank with the ease of digital onboarding perfect for those who might need more than just basic services in the future.
4. FAB iSave Account (First Abu Dhabi Bank)
Location: Abu Dhabi (accessible through FAB Mobile app or branches)
About the Bank:
FAB’s iSave account is designed for savers. It offers some of the highest interest rates in the UAE, while still not requiring a minimum balance.
What You Need to Open an Account:
- Emirates ID
- Register through FAB Mobile or online
Why People Love It:
Up to 4.75% interest on savings (as per July 2025 updates)
No monthly fees
Instant online access
Special Feature:
It’s ideal for expats looking to build emergency funds or grow their money while enjoying no balance stress.
5. CBD Digi Account (Commercial Bank of Dubai)
Location: Dubai (available digitally UAE-wide)
About the Bank:
CBD Digi is the online banking solution from Commercial Bank of Dubai, built with a smart money management system and a completely zero-balance feature.
What You Need to Open an Account:
- Emirates ID
- UAE mobile number
- Application through the CBD mobile app
Why People Love It:
Budgeting tools built into the app
Free debit card with 3 ATM withdrawals per month
Real-time spending analysis and alerts
Special Feature:
It’s especially helpful for those who want to control daily spending. You can also set limits and track savings goals.
6. RAKBANK Fast Saver Account
Location: Ras Al Khaimah (services available UAE-wide via app)
About the Bank:
RAKBANK offers a fast and flexible savings solution for expats. The Fast Saver account supports dual currency (AED and USD), great for people with global incomes.
What You Need to Open an Account:
- Emirates ID
- Sign up through RAKBANK Digital Banking
Why People Love It:
- Dual-currency account (no extra charges)
- Free debit card
- No maintenance fees or penalties
Special Feature:
Perfect for expats with income in USD or those who travel frequently. It allows easy currency management without needing multiple accounts.
Final Tips for Expats Opening a Bank Account in UAE (2025)
- Always have your Emirates ID and UAE mobile number ready.
- Use UAE Pass for faster, more secure registration.
- Avoid banks that require a minimum salary or deposit unless you’re sure you’ll meet them.
- Always check for hidden fees or ATM charges before committing.
If you’re new to the UAE or planning to switch banks, these options offer the freedom, flexibility, and features you need without the stress of maintaining balances. Whether you want to save smart, spend freely, or just bank digitally, there’s a zero-balance account for you.
