Workers’ monthly salaries are deposited into a Salary Account. Major corporations and companies request that this account be opened and advanced countries like the UAE have some great options for you to consider while choosing a salary account.

Each employee is given their own account, which they can manage and use as they see fit. However, when it’s time to pay the wage, the bank transfers funds from the account of the company to the employees’ bank account.

Account-holders should be aware that after a set amount of time, a Salary Account is switched to a Savings Account.

In addition, in the UAE, most salary accounts do not give profit levels on deposits or saves.

Want to jump straight to the answer? The best salary account in the UAE is Emirates Islamic Account.

List of Best Salary Accounts In The UAE

RAKBANKA Minimum monthly salary of AED 5000 is required
ADIB BankA Minimum monthly salary of AED 8000 is required
Emirates Islamic AccountNo requirements for a minimum or average balance
Standard Chartered BankMinimum Salary Transfer of AED 5000
Abu Dhabi Commercial BankMinimum balance of AED 5000
Emirates NBD Salary AccountMinimum balance of AED 3000

But, Why Salary Account?

Salary accounts have very minimal or no cash reserve requirements. Utility bill payments are also simple and convenient with salary accounts.

Joint account holders are allowed on some salary accounts. Candidates for the Joint Account, on the other hand, will need to provide identification proofs.

Salary account holders get extra perks like easier loan approval, credit cards, and so on.

RAKBank RAKmore Salary Transfer Account

– A free chequebook is provided on a monthly basis. – A free credit card is provided on a monthly basis (depends on eligibility)

– Domestic remittances are free.

– Up to three free cash withdrawals per month at non-Rak Bank ATMs

 – AED 5000 minimum salary necessary

Standard Chartered Salary Account

– Free International Debit Card and Cheque Book 

– AED 3000 minimum salary transfer 

– No minimum balance requirement for salaries over AED 5000

ADIB Ghina Salary Account

– Profits can be earned on a monthly basis

– A free debit card and chequebook are offered.

– Ghina’s monthly draw is available (An average monthly balance of AED 20,000 should be maintained)

– AED 8000 is required as minimum pay.

ADCB Salary Account 

– Earn ADCB Touchpoints by keeping a minimum average balance of AED 10,000 in your account 

– Earn ADCB Touchpoints by keeping a minimum average balance of AED 10,000 in your account  

-For ADCB Salary Account, a minimum salary of AED 5000 is necessary.

Emirates NBD Salary Account

– Ability to open an Emirates NBD Salary Account in a foreign currency

– Instant and free international and local fund transfers are possible. 

– A minimum balance of AED 3000 is required.

Emirates Islamic Current Account

– Get a one-time welcome bonus of up to AED 1300 

– Earn earn a one-time welcome bonus of up to AED 1300 

– Can win monthly prices of AED 1 million or Tesla on Kunooz Savings Account

 – No minimum balance fees are levied if the salary is transferred

– Free debit card \s- Minimum salary of AED 5000 is required

Benefits Of A Salary Account

  • In the United Arab Emirates, a debit card is available with a salary account. Furthermore, the debit card can be used anywhere in the world.
  • Cheque Book: When you open a Salary Transfer account, you will receive a complimentary Cheque Book.
  • Minimum Monthly Balance: There is no minimum monthly balance requirement with the salary transfer account.
  • Customer service is available 24 hours a day, 7 days a week.
  • Banking: Online banking and mobile banking are both free.
  • SMS Alerts: Customers receive SMS alerts for any account activity.
  • E-statements: With the Salary account, you get free e-statements.
  • Payments of bills: The salary account can also be used to pay expenses such as utility bills.
  • Loan Offers: Customers who have a Salary Account can easily apply for a loan from the bank.

Eligibility Criteria For A Salary Account In The UAE

These are some of the essential prerequisites for opening a Salary Account in the UAE:

  • The applicant must be a national of the United Arab Emirates.
  • The applicant must be a UAE resident.
  • The applicant must be at least 21 years old.
  • The applicant must be employed on a regular basis.


Here are some frequently asked questions.

Which documents can be used to establish a salary transfer account with one of the UAE banks?

You can provide any of the following papers as evidence of salary to register a Salary Transfer Account with a bank in the UAE:

  • Letter of Transfer of Salary
  • MOL or Labour Certificate Offer
  • Letter Printout of Salary Certificate
  • Pay Slip

What is the minimum salary required to create a bank salary account in the United Arab Emirates?

AED 3000 – AED 10,000 is the minimum wage required to open a Salary account in the UAE. This varies with each bank, and it may be greater than the listed range.

What are the documents needed to open a salary account in the UAE?

The documents required to open a Salary Account in the UAE are as follows:

The Applicant’s Passport

Emirates Identification Card

Resident Visa of the Applicant

Salary Transfer Letter

What documents are necessary for ex-pats in the UAE to open a Salary Account?

To open a Salary Account in the UAE, foreigners must produce the following documents:

  • Applicant’s original passport
  • Emirates Identification card
  • Applicant’s Resident Visa
  • Salary proof

Is it possible for me to use my pay account as a savings account?

If no salary is credited for a particular period of time, a salary account is automatically turned into an ordinary savings account (generally 3 months).

Is it necessary for me to keep a monthly balance in my Salary Account in the UAE?

That would be dependent on the bank with whom you hold your Salary Account. Some banks demand that a monthly balance be maintained, while others do not.

Can you tell me some great zero balance accounts in the UAE?

Here are some popular bank accounts with zero balance, good service, and popularity.

Account NameInterest Rate(p.a.)Minimum Salary
ADCB Active Saver Account0.60%NA
FAB iSave Account1.68%NA
RAK Bank Fast Saver Online Account0.50%NA
HSBC Esaver Account0.10%NA

Is it possible to use the same salary account for multiple companies?

If your new employer requires you to open an account with a different bank, you must choose between shutting your former salary account and keeping the minimum needed balance. Consider your need for many accounts and take appropriate action.

Is it possible to credit a salary to a joint account?

Yes, you can convert a single salary account into a joint account. If you have a private bank account and you have moved employers or your payment has not been credited in the last three months, your salary account will be automatically converted to a savings account.

Is it possible to open a bank account in the UAE without having an Emirates ID?

The following documents are required to create a personal bank account in the UAE as a non-resident: a photocopy of your passport that includes the UAE entry page An authentic copy of a reference letter from your bank in your country of origin or any other country where you have a personal or corporate account.