Top Zero Balance Accounts in UAE for 2025
Are you also looking for a bank account in UAE with 0 balance requirements for opening an account? If your answer is yes, we will tell you about the top zero balance accounts in UAE for 2025 in today’s article. This article contains a list of all zero-balance accounts in the UAE. Also, this article will tell you how you can open these 00 balance accounts in the UAE. So, let’s know which bank accounts you can open with no minimum deposit.
Zero Balance Account Opening Online UAE
Most UAE banks require a certain balance to open a new account. But there are also banks in UAE where you can open your account with 0 balance added. Yes, there is no minimum balance requirement in such banks. Zero balance accounts are a good option for people whose monthly salary is very low.
Or persons who are not in a position to keep part of their salary in their account. Such persons can easily transact online and get a debit or credit card from the bank by opening their account in these banks.
Below we have listed some of the top 0 balance accounts in UAE for 2025.
- ADCB Active Saver Account
- ADIB Smart Banking Account
- Al Hilal Bank My Salary Account
- Commercial Bank of Dubai Savings Account
- Emirates NBD Liv.
- Emirates Islamic Savings Account
- FAB iSave Account
- HSBC Savings Account
- Mashreq Neo Savings Account
- NBF Easy Saver Account
- RAKBANK Fast Saver Online Account
Abu Dhabi Commercial Bank (ADCB) Active Saver Account
Abu Dhabi Commercial Bank (ADCB) Active Saver Account can be opened in UAE on zero balance condition. There are two types of this account one is a current account and the other is a savings account. This bank is also called ADCB Bank in simple words. See Eligibility Criteria and Documents Required below for opening a 0-balance account in this bank.
Eligibility Criteria and Documents Required:
| Feature | Description |
|---|---|
| Eligibility Criteria | UAE residents with valid visa (21+) |
| Documents Required | Emirates ID and Passport |
After opening an Abu Dhabi Commercial Bank (ADCB) Active Saver Account, you can also earn monthly Interest Rates. Apart from this accounts can be opened in AED, USD, & GBP currency. See more Features and Benefits below.
Benefits and Features:
| Feature | Description |
|---|---|
| Interest Rates | Tiered (check ADCB website) |
| Currencies | AED, USD, GBP |
| Online Management | Yes |
| Free Debit Card | Yes |
| Transactions | 1 free intl/local transfer monthly & 1 free Sweep |
How to open an ADCB Bank Account:
Above you have known the documents used to open an account in this bank and its benefits. If you want to open an Abu Dhabi Commercial Bank (ADCB) Active Saver account, you can do so online or by visiting your nearest branch. Below is the button to open an ADCB Bank Account.
ADIB Smart Banking Account
ADIB Smart Banking Account can be opened by salaried persons (whose salary is at least 5,000 AED), business owners, housewives, and students between the ages of 18 to 24 years. See the Eligibility Criteria and Documents Required information below to open this account.
Eligibility Criteria:
| Feature | Description |
|---|---|
| Eligibility Criteria | Salaried persons (minimum income of AED 5,000) Business owners Housewives Open to students (18-24) |
ADIB Smart Account can be opened by salaried persons, business owners, housewives, and students. However, each person needs separate documents to open these accounts. Below you are given all the information about the Documents Required.
Documents Required:
| Person Type | Documents |
|---|---|
| Housewives | Valid Emirates ID, Utility Bills, Marriage certificate, and Proof of spouse’s income |
| Students | Valid Emirates ID, and Valid student ID card |
| Business Owners | Valid Emirates ID, Proof of address, Business Registration Docs, or Trade License |
| Salaried Persons | Valid Emirates ID, Proof of address, Salary certificate, and Proof of Income (min AED 5,000) |
Open an ADIB Smart Banking account with a zero balance limit. Also, get a free debit card and 1 free international or local transfer monthly offer. After opening an ADIB Smart Banking Account, you can also earn monthly Interest Rates. See more ADIB Smart Banking Account features and benefits below.
Features and Benefits:
| Feature | Description |
|---|---|
| Balance Requirements | No need minimum balance |
| Earn Profit | Account balance earns profit (Check details) |
| Manage Online | Easy online management via app and web |
| Free Debit Card | Get a free debit card for transactions |
| Free Transfers | 1 free intl/local transfer monthly |
| Extra Perks | Discounted with smart-deals App |
How to open an ADIB Smart Banking Account:
Above you have known the documents used to open an account in ADIB Smart Banking Account and its benefits. If you want to open an ADIB Smart Banking Account, you can do so online or by visiting your nearest branch. Below is the button to open the ADIB Smart Banking Account.
Al Hilal Bank My Salary Account
Al Hilal Bank My Salary Account can be opened by salaried persons (whose salary is at least 3,000 AED). See the Eligibility Criteria and Documents Required information below to open this account.
Eligibility & Documents Required:
| Feature | Description |
|---|---|
| Eligibility Criteria | Salaried persons (income of AED 3,000) |
| Documents Required | Emirates ID & Salary slip |
Open an Al Hilal Bank My Salary Account with a zero balance limit. Also, get a free debit card and 1 free international or local transfer monthly offer. After opening an Al Hilal Bank My Salary account, you can also earn monthly interest on the balance. See more Al Hilal Bank My Salary Account features and benefits below.
Features and Benefits:
| Feature | Description |
|---|---|
| Balance Requirements | No minimum balance |
| Earn Profit | Account balance earns profit (Check details) |
| Manage Online | With Apps and Web |
| Free Debit Card | Yes only for Transaction |
| Free Transfers | Yes |
How to Open an Al Hilal Bank My Salary Account:
Above you have to know the documents used to open an account in Al Hilal Bank My Salary Account and its benefits. If you then want to open an Al Hilal Bank My Salary Account, you can open it online or by visiting your nearest branch. Below is the button to open the Al Hilal Bank My Salary Account.
Commercial Bank of Dubai Savings Account
Commercial Bank of Dubai Savings Account can be easily opened by anyone in UAE. Users must be at least 18 years of age or above to open an account. Also, you must have this Emirates ID. See more Eligibility Criteria and Documents Required below.
Eligibility Criteria and Documents Required:
| Feature | Description |
|---|---|
| Eligibility Criteria | Anyone |
| Documents Required | Emirates ID |
Open a Commercial Bank of Dubai Savings Account with a zero balance limit. Also, get a free debit card and 1 free international or local transfer monthly offer. After opening a Commercial Bank of Dubai Savings account, you can also earn monthly interest on the balance. See more Commercial Bank of Dubai Savings Account features and benefits below.
Features and Benefits
| Feature | Description |
|---|---|
| Balance Requirements | No minimum balance |
| Earn Interest | Account balance earns profit (Check details) |
| Online Management | Via app and web |
| Free Debit Card | Yes |
| Transactions | Free intl/local transfer monthly |
How to Open Commercial Bank of Dubai Savings Account:
Above you have to know the documents used to open an account in the Commercial Bank of Dubai Savings Account and its benefits. If you want to open a Commercial Bank of Dubai Savings Account, you can do so online or by visiting your nearest branch. Below is the button to open the Commercial Bank of Dubai Savings Account.
Emirates NBD Liv. Account
Emirates NBD Liv Account can be easily opened by anyone in UAE. Users must be at least 18 years of age or above to open Emirates NBD Liv. Account. Also, you must have this Emirates ID. See more Eligibility Criteria and Documents Required below.
Eligibility Criteria and Documents Required
| Feature | Description |
|---|---|
| Eligibility Criteria | Anyone |
| Documents Required | Emirates ID (copy) |
Open an Emirates NBD Liv. Account with a zero balance limit. Also, get a free debit card and 1 free international or local transfer monthly offer. After opening an Emirates NBD Liv. account, you can also earn monthly interest on the balance. See more Emirates NBD Liv. Account features and benefits are below.
Features and Benefits
| Feature | Description |
|---|---|
| Min. Balance | No Min. Balance |
| Cashback | Earn cashback on everyday spending |
| Online Management | Via app and web |
| Free Debit Card | For transactions |
| ATM Withdraw | 1 free local ATM withdrawal per month |
How to Open Emirates NBD Liv. Account:
Above you have to know the documents used to open an account in Emirates NBD Liv Account and its benefits. If you then want to open an Emirates NBD Liv Account, you can open it online or by visiting your nearest branch. Below is the button to open the Emirates NBD Liv Account.
Emirates Islamic Savings Account
Emirates Islamic Savings Account can be easily opened by anyone in UAE. Users must be at least 18 years of age or above to open Emirates Islamic Savings Account. Also, you must have this Emirates ID. See more Eligibility Criteria and Documents Required below.
Eligibility Criteria and Documents Required
| Feature | Description |
|---|---|
| Eligibility Criteria | Anyone |
| Documents Required | Emirates ID (copy) |
Open an Emirates Islamic Savings Account with a 0-balance limit. Also, get a free debit card and 1 free international or local transfer monthly offer. After opening an Emirates Islamic Savings Account, you can also earn monthly interest on the balance. See more Emirates Islamic Savings Account features and benefits below.
Features and Benefits
| Feature | Description |
|---|---|
| Min. Balance | No Min. Balance |
| Earn Interest | New funds deposited during promotional periods (more details) |
| Online Management | Via app and web |
| Free Debit Card | For transactions |
| Sharia-compliant | Follows Islamic banking principles |
How to Open an Emirates Islamic Savings Account:
Above you have to know the documents used to open an account in Emirates Islamic Savings Account and its benefits. If you then want to open an Emirates Islamic Savings Account, you can open it online or by visiting your nearest branch. Below is the button to open the Emirates Islamic Savings Account.
FAB iSave Account
FAB iSave Account can be easily opened by anyone in UAE. Users must be at least 18 years of age or above to open an FAB iSave Account. Also, you must have this Emirates ID. See more Eligibility Criteria and Documents Required below.
Eligibility Criteria and Documents Required
| Feature | Description |
|---|---|
| Eligibility Criteria | Anyone can open |
| Documents Required | Emirates ID (copy) |
Open an FAB iSave Account with a 0 balance limit. Also, get a free debit card and 1 free international or local transfer monthly offer. After opening an FAB iSave Account, you can also earn monthly interest on the balance. See more FAB iSave Account features and benefits below.
Features and Benefits
| Feature | Description |
|---|---|
| Min. Balance | No Min. Balance |
| Earn Interest | New funds deposited during promotional periods (check details) |
| Online Management | Via app and web |
| Free Debit Card | For transactions |
How to Open FAB iSave Account:
Above you have to know the documents used to open an account in FAB iSave Account and its benefits. If you then want to open an FAB iSave Account, you can open it online or by visiting your nearest branch. Below is the button to open the FAB iSave Account.
HSBC Savings Account
HSBC Savings Account can be easily opened by anyone in UAE. Users must be at least 18 years of age or above to open an HSBC Savings Account. Also, you must have this Emirates ID. See more Eligibility Criteria and Documents Required below.
Eligibility Criteria and Documents Required:
| Feature | Description |
|---|---|
| Eligibility Criteria | Anyone can open |
| Documents Required | Emirates ID and Passport |
Open an HSBC Savings Account with a zero balance limit. Also, get a free debit card and 1 free international or local transfer monthly offer. After opening an HSBC Savings account, you can also earn monthly interest on the balance. See more HSBC Savings Account features and benefits below.
Features and Benefits
| Feature | Description |
|---|---|
| Min. Balance | No Min. Balance |
| Earn Interest | Account balance earns profit (Check details) |
| Online Management | HSBC mobile banking and online banking |
| Free Debit Card | For purchases and withdrawals |
How to Open HSBC Savings Account:
Above you have to know the documents used to open an account in HSBC Savings Account and its benefits. If you then want to open an HSBC Savings Account, you can open it online or by visiting your nearest branch. Below is the button to open the HSBC Savings Account.
Mashreq Neo Savings Account
Mashreq Neo Savings Account can be easily opened by anyone in UAE. Users must be at least 18 years of age or above to open a Mashreq Neo Savings Account. Also, you must have this Emirates ID. See more Eligibility Criteria and Documents Required below.
Eligibility Criteria
| Feature | Description |
|---|---|
| Eligibility Criteria | Anyone can open |
| Documents Required | Emirates ID (copy) |
Open a Mashreq Neo Savings account with a zero balance limit. Also, get a free debit card and 1 free international or local transfer monthly offer. After opening a Mashreq Neo Savings, you can also earn monthly interest on the balance. See more Mashreq Neo Savings Account features and benefits below.
Benefits
| Feature | Description |
|---|---|
| Min. Balance | No Min. Balance |
| Earn Interest | Account balance earns profit (Check details) |
| Online Management | Via App & Website |
| Free Debit Card | Yes |
How to Open Mashreq Neo Savings Account:
Above you have to know the documents used to open a Mashreq Neo Savings Account and its benefits. If you then want to open a Mashreq Neo Savings Account, you can open it online or by visiting your nearest branch. Below is the button to open the Mashreq Neo Savings Account.
NBF Easy Saver Account
NBF Easy Saver Account can be easily opened by anyone in UAE. Users must be at least 18 years of age or above to open a NBF Easy Saver Account. Also, you must have this Emirates ID. See more Eligibility Criteria and Documents Required below.
Eligibility Criteria and Documents Required
| Feature | Description |
|---|---|
| Eligibility Criteria | Anyone can open |
| Documents Required | Emirates ID |
Open an NBF Easy Saver Account with a zero balance limit. Also, get a free debit card and 1 free international or local transfer monthly offer. After opening an NBF Easy Saver account, you can also earn monthly interest on the balance. See more NBF Easy Saver Account features and benefits below.
Features and Benefits
| Feature | Description |
|---|---|
| Minimum Balance | No minimum balance |
| Earn Interest | Account balance earns profit (Check details) |
| Online Management | Via app and web |
| Free Debit Card | Yes |
How to Open an NBF Easy Saver Account:
Above you have to know the documents used to open an account in NBF Easy Saver Bank and its benefits. If you then want to open an NBF Easy Saver Account, you can open it online or by visiting your nearest branch. Below is the button to open the NBF Easy Saver Account.
RAKBANK Fast Saver Online Account
RAKBANK Fast Saver Online Account can be easily opened by anyone in UAE. Users must be at least 18 years of age or above to open a RAKBANK Fast Saver Online Account. Also, you must have an Emirates ID and Passport. See more Eligibility Criteria and Documents Required below.
Eligibility Criteria and Documents Required
| Feature | Description |
|---|---|
| Eligibility Criteria | Anyone can open |
| Documents Required | Emirates ID & Passport |
Open an RAKBANK Fast Saver Online Account with a zero balance limit. Also, get a free debit card and 1 free international or local transfer monthly offer. After opening an RAKBANK Fast Saver Online account, you can also earn monthly interest on the balance. See more RAKBANK Fast Saver Online Account features and benefits below.
Features and Benefits
| Feature | Description |
|---|---|
| Minimum Balance | No minimum balance |
| Earn Interest | Account balance earns profit (Check details) |
| Online Management | Via App and Website |
| Free Debit Card | AED transactions only |
| Transactions | 1 free withdrawal and/or 5 utility/RAKbank Credit Card payments allowed per month |
How to Open RAKBANK Fast Saver Online Account:
Above you have to know the documents used to open an account in RAKBANK Fast Saver 0 balance Online Account and its benefits. If you then want to open an RAKBANK Fast Saver Online Account, you can open it online or by visiting your nearest branch. Below is the button to open the RAKBANK Fast Saver Online Account.
FAQs:
First, download the ADCB Bank app on the Play Store or visit the website. Select Your Language. Keep your Emirates ID or passport with you. Enter your number and email in the app. Choose Your Bank Account Types. Fill out the form in the app with your information. Upload a clear picture of your signature. Now You can apply with Submit Button.
There is no single bank dedicated to zero balance in the UAE. All bank details are mentioned in detail above.
There is no zero-balance account facility with a checkbook in UAE. Because fraud can be done through a checkbook. Hence checkbook with zero balance is not offered in UAE.
According to the official website of Citibank, there is no zero balance account here. In Citibank, if an account is kept at 0 balance, it is closed after 6 months.
