Top Zero Balance Accounts in UAE for 2024

Are you also looking for a bank account in UAE with zero balance requirements for opening an account? If your answer is yes, we will tell you about the top zero balance accounts in UAE for 2024 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 zero-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 zero 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.

Zero Balance Accounts in UAE

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 zero balance accounts in UAE for 2024.

  • 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

How to Open ADCB Bank 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 zero balance account in this bank.

Eligibility Criteria and Documents Required:

FeatureDescription
Eligibility CriteriaUAE residents with valid visa (21+)
Documents RequiredEmirates ID and Passport
Eligibility Criteria and Documents Required

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:

FeatureDescription
Interest RatesTiered (check ADCB website)
CurrenciesAED, USD, GBP
Online ManagementYes
Free Debit CardYes
Transactions1 free intl/local transfer monthly & 1 free Sweep
Features and Benefits of ADCB Bank

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:

FeatureDescription
Eligibility CriteriaSalaried persons (minimum income of AED 5,000)
Business owners
Housewives
Open to students (18-24)
Eligibility Criteria for Account Opening ADIB Bank

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 TypeDocuments
HousewivesValid Emirates ID, Utility Bills, Marriage certificate, and Proof of spouse’s income
StudentsValid Emirates ID, and Valid student ID card
Business OwnersValid Emirates ID, Proof of address, Business Registration Docs, or Trade License
Salaried PersonsValid Emirates ID, Proof of address, Salary certificate, and Proof of Income (min AED 5,000)
Documents Required for Account Opening ADIB Bank

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:

FeatureDescription
Balance RequirementsNo need minimum balance
Earn ProfitAccount balance earns profit (Check details)
Manage OnlineEasy online management via app and web
Free Debit CardGet a free debit card for transactions
Free Transfers1 free intl/local transfer monthly
Extra PerksDiscounted with smart-deals App
ADIB Smart Banking Account Feature and Benefits

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 Zero Balance 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:

FeatureDescription
Eligibility CriteriaSalaried persons (income of AED 3,000)
Documents RequiredEmirates ID & Salary slip
Al Hilal Bank My Salary Account Eligibility Criteria and Documents Required

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:

FeatureDescription
Balance RequirementsNo minimum balance
Earn ProfitAccount balance earns profit (Check details)
Manage OnlineWith Apps and Web
Free Debit CardYes only for Transaction
Free TransfersYes
Al Hilal Bank My Salary Account benefits

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

How to open 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:

FeatureDescription
Eligibility CriteriaAnyone
Documents RequiredEmirates ID
Documents Required for Commercial Bank of Dubai Savings Account

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

FeatureDescription
Balance RequirementsNo minimum balance
Earn InterestAccount balance earns profit (Check details)
Online ManagementVia app and web
Free Debit CardYes
TransactionsFree intl/local transfer monthly
Commercial Bank of Dubai Savings Account

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. Zero Balance 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

FeatureDescription
Eligibility CriteriaAnyone
Documents RequiredEmirates ID (copy)
Eligibility Criteria and Documents for Emirates NBD Liv

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

FeatureDescription
Min. BalanceNo Min. Balance
CashbackEarn cashback on everyday spending
Online ManagementVia app and web
Free Debit CardFor transactions
ATM Withdraw1 free local ATM withdrawal per month
Emirates NBD Liv accounts features and benefits

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 Zero Balance 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

FeatureDescription
Eligibility CriteriaAnyone
Documents RequiredEmirates ID (copy)
Documents Required for Opening Emirates Islamic Savings Account

Open an Emirates Islamic 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 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

FeatureDescription
Min. BalanceNo Min. Balance
Earn InterestNew funds deposited during promotional periods (more details)
Online ManagementVia app and web
Free Debit CardFor transactions
Sharia-compliantFollows Islamic banking principles
Emirates Islamic Savings Account Features and Benefits

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

How to Open a FAB Bank Account in the UAE

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

FeatureDescription
Eligibility CriteriaAnyone can open
Documents RequiredEmirates ID (copy)
FAB iSave Account opening Eligibility Criteria and Documents Required

Open an FAB iSave Account with a zero 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

FeatureDescription
Min. BalanceNo Min. Balance
Earn InterestNew funds deposited during promotional periods (check details)
Online ManagementVia app and web
Free Debit CardFor transactions
FAB iSave Account Features and Benefits

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 Zero Balance 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:

FeatureDescription
Eligibility CriteriaAnyone can open
Documents RequiredEmirates ID and Passport
HSBC Savings Account Eligibility Criteria and Documents

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

FeatureDescription
Min. BalanceNo Min. Balance
Earn InterestAccount balance earns profit (Check details)
Online ManagementHSBC mobile banking and online banking
Free Debit CardFor purchases and withdrawals
HSBC Savings Account Features and Benefits

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 zero balance 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 and Documents Required

FeatureDescription
Eligibility CriteriaAnyone can open
Documents RequiredEmirates ID (copy)
Mashreq Neo Savings Account Eligibility and Documents Required

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.

Features and Benefits

FeatureDescription
Min. BalanceNo Min. Balance
Earn InterestAccount balance earns profit (Check details)
Online ManagementVia App & Website
Free Debit CardYes
Mashreq Neo Savings Account Features and Benefits

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 zero balance 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

FeatureDescription
Eligibility CriteriaAnyone can open
Documents RequiredEmirates ID
NBF Easy Saver account opening Eligibility Criteria and Documents Required

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

FeatureDescription
Minimum BalanceNo minimum balance
Earn InterestAccount balance earns profit (Check details)
Online ManagementVia app and web
Free Debit CardYes
NBF Easy Saver Account Features and Benefits

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 zero balance 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

FeatureDescription
Eligibility CriteriaAnyone can open
Documents RequiredEmirates ID & Passport
RAKBANK Fast Saver Online account opening Eligibility Criteria and Documents Required

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

FeatureDescription
Minimum BalanceNo minimum balance
Earn InterestAccount balance earns profit (Check details)
Online ManagementVia App and Website
Free Debit CardAED transactions only
Transactions1 free withdrawal and/or 5 utility/RAKbank Credit Card payments allowed per month
Features and Benefits of RAKBANK Fast Saver zero balance

How to Open RAKBANK Fast Saver Online Account:

Above you have to know the documents used to open an account in RAKBANK Fast Saver zero 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:

How to Open an ADCB Zero Balance Account Online?

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.

Zero balance account in the United Arab Emirates without a salary transfer?

Following are the zero balance accounts in UAE without salary transfer. ADCB Active Saver Account, Al Hilal Bank My Salary Account, Commercial Bank of Dubai Savings Account, and RAKBANK Fast Saver Online Account. All other accounts and their benefits are mentioned above.

How to open a zero balance account in the United Arab Emirates?

Zero balance accounts in the UAE can be played in two ways. First by visiting the branch and second online. Select any bank given above and keep your passport and Emirates ID with you.

Which bank is the best for a zero-balance account in the United Arab Emirates?

There is no single bank dedicated to zero balance in the UAE. All bank details are mentioned in detail above.

Which is the zero balance account with the checkbook in the United Arab Emirates?

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.

Does Citibank have a zero-balance account?

According to the official website of Citibank, there is no zero balance account here. In Citibank, if an account is kept at zero balance, it is closed after 6 months.

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