6 Best Zero Balance Salary Account in UAE: 2025

Want to know zero balance salary account in UAE? You are at the right place, as we have provided complete details on top zero balance salary account in UAE. However, before proceeding to these accounts, knowing what a zero balance account in UAE is important. A zero balance account in UAE is an account that has no restrictions on keeping the minimum or the maximum balance in the bank account. Using this account, one can easily use a bank account in UAE without worrying about the bank’s closing or warning notifications, even if there is no balance in the account.

Let’s move towards these accounts without waiting for more!

6 best Banks in UAE with zero balance

Here are the 6 top zero balance salary accounts in UAE

Bank# 1: ADIB Smart Banking Account UAE

ADIB, which stands for the Abu Dhabi Islamic Bank in UAE, is one of the famous and fabulous accounts with unique and multiple features. These features are not available in any other accounts; hence, you can easily manage a bank account without money keeping restrictions. This account does not have any employment limitations.

The person who applies for this account does not necessarily need to be a job holder, a house worker, a remote worker, or any other type of employment worker. However, the person must have a minimum age limitation of 16 years.

Eligibility Criteria for Applying ADIB Bank Account

The eligibility criteria for income and non-income-based people are different to open this bank account, which is given below:

• For Income-based People, the person applying for this bank account must have a monthly income of AED 5000. Moreover, the person must have a valid salary or business slip for proof of income.
• For Non-Income Based People: Applicants like housewives and women who want money from their relatives are eligible to apply. The minimum age for the applicant is 24 years.

Documents Required Applying for the ADIB Bank Account

• UAE ID card
• UAE resident visa
• Passport for UAE (if the person is not a permanent inhabitant of the UAE)

Features:

• Interest rates are available on savings
• One domestic as well as international transfer each month
• Bonuses and rewards are available for salaried accounts

Now visit for Applying ADIB Bank Account

Bank# 2: HSBC Esaver Account in UAE

The HSBC Esaver account is another good-to-go account for UAE residents, regardless of whether they are salaried or non-salaried individuals. This account is easy to open, and you can apply for it online by sitting anywhere in UAE with a good internet connection. The advantage of opening this account is that you will also receive a free debit card and the cheque book.

Eligibility Criteria to Apply for the HSBC Esaver Account

There are no specific eligibility criteria for the HSBC Esaver account, and the applicant must be a UAE resident.

Documents required to open HSBC Esaver Account 

The documents required to open this account are given below. The criteria for the sole HSBC account and the joint HSBC account are different and are given below:

• For Sole non-HSBC Accounts:
• For the Original UAE passport
• UAE residential visa
• UAE ID card

• For Joint non-HSBC Accounts:
• Passport of all the applicants
• UAE residence visa
• UAE ID card
• Proof of UAE residence, i.e., bill copy, etc, of all the applicants

Features:

• 10% interest rate on each deposit
• There is no need to maintain any balance limit in the account
• National and international transfer facilities are available
• You can also use this account for saving your money

Now visit for applying HSBC Esaver Account

Also Read: “FAB iSave Account Apply online“/ “FAB Balance Check online“/ “How to apply for a FAB iSave account“

Bank# 3: Emirates NBD Liv Account

It is another type of fabulous bank account in UAE that you can easily open anywhere, anytime, using your mobile phone. The benefit of opening this account is that you don’t need to worry about the debit card application separately, as it also offers a free debit card facility for all applicants. The more beneficial aspect is that this debit card can be used internationally.

Eligibility Criteria for NBD Liv Account

• Anyone who has a minimum age limit of 18 years may apply for this account

Documents Required for NBD Liv Account

• UAE residential visa
• UAE ID card or proof of UAE resident i.e., bill copy etc

Features:

• There is no need for the documental work to open this account
• 2% of the interest rates each year
• A Cheque book facility is available, but on demand
• No transfer limit for any bank accounts

Now visit for applying NBD Liv Account

Bank# 4: FAB iSave Account

FAB iSave account is another type of zero balance account in UAE. It is specifically suitable for those with more money than their expenditures, i.e., those who want to save money in an account. This account is easy to open compared to many other zero-balance accounts, as you can apply for this account from any corner of the world, and you don’t need to go to the bank for this purpose.

Eligibility Criteria to open FAB iSave Account

• Applicant must be a UAE resident
• This account is only open to individuals and not to joint applicants.

Documents Required to Open FAB iSave Account

• UAE ID card
• UAE residential visa

Features:

• You can withdraw a monthly cash limit of any amount without any requirement or restriction
• The interest rates are 5.25% per year, and this is applicable for each of the new funds in your account
• 24 hours of customer support by FAB iSave account
• You can open this account without any requirements by sitting anywhere

Now visit for applying FAB iSave Account

Bank# 5: RAKBANK Fast Saver Online Account

Other bank accounts have higher interest rates than those in the UAE. Moreover, this account is easy to open compared to many different accounts, as you can apply for this online. There is no restriction for maintaining this account for a minimum or maximum balance.

Eligibility Criteria for RAKBANK Fast Saver Online Account

• Anyone who wants to open an individual account in UAE is eligible to apply for this account

Documents required to Open RAKBANK Fast Saver Online Account

• UAE ID card or residential visa

Features:

• Offer USD and AED currency
• There is no need to pay any amount of fee using this account
• A debit card for free when you open an account
• You can download and save your monthly bank transfer statement or slip

Now visit for applying Open RAK BANK Fast Saver Online Account

Also Read: “How to Activate FAB Credit Card” / “FAB Bank Salary Account Opening Requirements“

Bank# 6: Commercial Bank of Dubai Esaver Account

Commercial Bank of Dubai Esaver Account, also called CBD Esaver account, is easy to open and has a user-friendly interface. It has reasonable interest rates compared to other accounts and hence offers high returns and rewards.

Eligibility Criteria to Open CBD Esaver Account

• The applicants must have a minimum age limit of 18 years
• The applicant must have a UAE residential visa or UAE nationality

Documents Required to Open CBD Esaver Account

• UAE ID card
• UAE residential visa
• Passport

Features:

• Reasonable interest rates of around 1.25% for maintaining a monthly balance limit
• If you have an existing personal CBD account, you can convert it into any other CBD account
• Get benefits of 3 debit each month

Now visit for applying Open CBD Esaver Account

which bank is best for zero balance account in UAE?

Many banks in UAE are best to open as a zero balance salary account. However, the ADIB Smart Banking Account UAE, HSBC Esaver Account in UAE, and iSave account, including all other accounts mentioned above, are best for zero balance.

FAQs

Final Verdicts

Hence, the above are the top 6 zero balance salary account in UAE that are best to open in UAE for zero balance account in UAE without minimum salary. Opening these accounts won’t charge any money, and you don’t need to maintain any amount of balance in it. Whether you are a national or an international inhabitant of the UAE, you will receive reasonable interest rates and yearly rewards using these accounts.

Moreover, these accounts are easy to open as there is no need to go anywhere, and you can submit or apply online. Finally, if you have any questions regarding zero balance salary account in UAE, feel free to ask in the comments sections, and we will be here to assist you.