To open a savings account in UAE, you need to meet a few requirements like minimum salary and minimum balance maintenance. These are the two hindrances for people to open a savings account in UAE.

In most of the banks, the minimum salary required is AED 3000 to open a savings account. Apart from this, the account holders have to maintain a minimum balance in their accounts else they will be charged some fee for non-maintenance of minimum balance.

However, banks in UAE started providing accounts with no requirement of maintaining a minimum balance. This kind of accounts is dubbed as a Zero balance account. But there should be a minimum cash flow every month; Say, in the first week of every month there should be minimum 3000 AED to be deposited into the account. Like the banks provide a date and on that particular date of every month, there should be some amount deposited into the account and apart from that day there is no need to maintain any balance in the account.

Some features of the accounts offered by various banks with zero balance facility:

Commercial bank of Dubai(CBD) ESaver account

  • No minimum account balance
  • Zero maintenance charge
  • Monthly average balances pull in up to 1.5% interest
  • Three debits per month (transfers, payments, etc) from Esaver account
  • It provides CBD Online Banking for customers
  • Minimum salary requirement AED 5000
  • UAE Nationals and Expats are eligible

Mashreq Neo Current Account

  • Get cashback if any average minimum balance is maintained
  • Salary transfer is not required
  • Free debit card and chequebook
  • Free lifestyle and travel benefits
  • A minimum salary of AED 5000 is required
  • UAE Residents of above 21 years are eligible


 Compare All Zero Balance Accounts in UAE


ADCB Active Saver account

  • No minimum balance requirement
  • Six free cash withdrawals per month 
  • UAE Nationals and Residents of age 21 years and above


  • Get up to 1.75% of the account balance as the interest rate (p.a.)
  • Can apply online
  • Get CBD debit card for free
  • Need not transfer your salary to the CBD Now account
  • Get free withdrawals from CBD ATMs
  • A minimum salary of AED 5000 is required

RAK Bank Fast Saver Online Account

  • No minimum Account Balance to be maintained
  • No charges for maintaining an account
  • Can use RAK Bank credit card for cash withdrawals monthly once
  • Per month five utility payments will be allowed using RAK Bank Credit card

HSBC online banking UAE (Esaver)

  • No minimum balance requirement
  • Can manage your money online
  • No maintenance charges

Emirates NBD Liv. Account

  • Can open a bank account quickly using Liv. app 
  • Provides 2% interest rate
  • Can manage your account and transactions using the Liv. app 
  • No maintenance charges involved 

Click here if you are interested to Compare All Zero Balance Accounts in UAE

These are the few 0 balance accounts in UAE where you can open an account and get best interest rates in UAE if any balance is present else maintain the account with zero balance and zero fees. These zero balance accounts are also being provided with good offers and rewards.