Zero Balance Business Accounts in UAE

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Zero Balance Accounts

For those who are not into savings in the bank account, zero balance accounts are very much beneficial. Banks levy penalties on non maintenance of minimum balance in the accounts. Banks in UAE provide several zero balance accounts on understanding their customer’s needs. There are zero balance accounts for business banking customers as well.

ADCB BusinessChoice Current Account

ADCB Provides a Business Choice Current account with high benefits for the corporate customers on no/low requirement of a minimum balance in the account. It has three variants like Silver, Gold and Platinum accounts.

ADCB BusinessChoice Current account - Silver

  • Avail 15 teller transactions every month as complimentary
  • 4 cheque books are provided per annum on no charges
  • Can maintain low balance in the account on nominal charges
  • Get BusinessChoice debit card as complimentary
  • Can get e-Statements for free
  • Interest rates of 1.50%(p.a) of the balance maintained in the account
  • Can get quick access to other ADCB financial products

ADCB BusinessChoice Current account - Gold

  • Per month 30 teller transactions are provided for free
  • Get 1 cheque book for free every month
  • Can get the cheque book delivered at your preferred location
  • Low charges on remittance
  • Free debit card is provided
  • Can get quick access to other ADCB financial products

ADCB BusinessChoice Current account - Platinum

  • Can get unlimited teller transactions on no charges
  • Per month 3 cheque books are provided for free
  • Cheque books are delivered at your preferred location
  • 1 free remittance per month
  • Free BusinessChoice debit card
  • Get business insurance as complimentary
  • Can access other financial products


Q. What is the maximum coverage provided on the Business Insurance?

A. For BusinessChoice Platinum customers, the maximum coverage provided on the business insurance is AED 250,000.

Q. What are the charges for the outward remittance?

A. AED 20 is charged for outward remittance using internet banking facility and AED 35 is charged for transactions made at the bank counter.

Q. Can I get statement of account?

A. Yes, online statements are provided for free where are printed statements are AED 26.25(6 months).

Q. What are the financial products that can be accessed?

A. BusinessChoice customers can get Business credit card, car loan, mortgage loan, etc., on competitive interest rates and on good range of benefits.

Q. What are the benefits provided on the Business Credit card?

A. ADCB Business Credit card provides 1% cashback on every purchase and AED 199 is charged as annual fees.

Q. What are the charges on additional teller services?

A. AED 10.50 is charged per transactions on additional teller services.

Q. Are there any charges on account closure?

A. Yes, AED 105 is charged on closure of ADCB BusinessChoice Account.

Q. What are the charges levied on using the debit card outside UAE?

A. On using ADCB debit card outside UAE and GCC, AED 21 is charged on cash withdrawal.

Q. Are there any processing fees on using debit card outside UAE?

A. Yes, 2% of the transaction amount and foreign currency rate are charged as processing fees.

Q. What is the initial deposit to be made on the account?

A. An initial deposit of AED 10,000 is required to be made on ADCB BusinessChoice account.

Q. What are the monthly charges if the minimum average balance is low?

A. AED 150 - AED 300 is charged per month on non maintenance of minimum average balance in the account.

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