To open a savings account in UAE, you need to meet a few requirements like minimum salary and minimum balance maintenance. Few banks even charge high fees on non-maintenance of a minimum balance. However, banks in the UAE started providing accounts with no requirement of maintaining a minimum balance. This kind of accounts are dubbed as a Zero balance account.

Here’s a list of various banks and features of the zero balance facility: 

ADIB Smart Account
  • Can open an account online, instantly
  • Can get a personalized debit card
  • No charges on non-maintenance of the account balance
  • Get profit on every dirham available in the account
  • No charges on ATM withdrawals at ADIB, UAE
  • Can access the account using the smartbanking mobile app
  • Applicant must be 18 – 24 yrs student or should have a minimum salary of AED 5000

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 

FAB iSave Account

  • Zero balance account
  • High-profit rates on balance maintained in the account
  • No account opening charges
  • No monthly fees
  • No withdrawal limitations


  • 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 

Now, see a detailed comparison of all the Zero Balance Accounts in UAE here 

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.  


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Nikitha is a Senior Analyst at, she has been writing about personal finance, mortgage, and technology in the UAE for over two years. Her work has been featured by the GulfNews and other popular Financial Blogs in UAE. She is a part of a NGO called Immanuel. When not writing you can find her working with her organization, listening to music, trying different cuisines and watching her favorite shows.