Best Zero Balance Account in UAE - 2025

Benefits of Zero Balance Accounts in the UAE

With a zero balance account in UAE, you get a simple, flexible, and rewarding way to manage your money. One of the biggest advantages of opening this account, as the name suggests, is that there’s no minimum balance requirement. In other words, you don’t ever have to worry about maintaining an average amount to avoid penalties. It’s ideal for residents with irregular incomes, such as freelancers, small business owners, students, part-time workers, and more. 

Furthermore, you can find many banks with seamless zero balance account opening online UAE. This means quick and paperless applications without any branch visits, lengthy paperwork, and long queues. 

With a 0 balance account in UAE, it’s easy to pay your bills, shop, and make transactions in an instant. You can also enjoy additional benefits beyond a seamless banking experience — exclusive rewards, cashback, discounts, and more. Additionally, many banks offer competitive or higher interest rates compared to traditional accounts, allowing your savings to grow faster.

List of Top Zero Balance Accounts in UAE  

While looking for a 0 balance account in UAE, you can find many banks offering the same. This, naturally, can confuse you about which option to choose. To help you out, here is the list of the top accounts without minimum balance requirements. You can compare their key features, interest rates, eligibility, benefits, and more to find the one that suits you the best.

Zero Balance Bank Account in UAE	Key Benefits	Interest/Profit Rate	Digital Features	Eligibility
FAB iSave Account	No minimum balance requirement Digital bank account Available in AED	Up to 4.25% (on new funds deposited from 1 May 2023 to ‎30 November 2025‎)	Mobile banking Online banking	UAE residence with a valid Emirates ID
RAKstarter Account	Available in multiple currencies No minimum balance fee Yearly complimentary chequebook	Up to 0.25%	Mobile banking	A company with a valid trade licence
HSBC E-Saver Account	No minimum balance requirement No monthly account fees Easy and safe deposits	Up to 3% AER (fixed rate)	Online banking	UAE nationals and expats
ADIB Smart Account	No minimum balance requirement Earn profit as per your average balance Mudarabah-based account	N/A	Online banking Mobile banking	UAE residents
Liv. Primary Account (By Emirates NBD)	Easy account opening through the Liv app Free first chequebook Free debit card	N/A	Mobile banking	UAE residents
CBD GreenGrowth Account (eSaver Account)	No minimum account balance Instant account opening Earn interest on a monthly basis	Up to 1.25%	Mobile banking	UAE nationals and expats

1. FAB iSave Account

The FAB iSave is one of the top zero balance bank accounts in UAE. It’s a user-friendly digital savings account designed for UAE residents. With its attractive interest rates, you can grow your savings fast. Additionally, the account has no minimum balance requirement or monthly fees, making it convenient and cost-effective.

You can easily open and manage it through the FAB mobile app or online banking. With unlimited withdrawals and flexible access to your funds, this zero balance account in UAE is ideal for those who want a simple, accessible way to save while earning competitive returns on their money.

Features & Benefits of FAB iSave Account

Features and Benefits	Description
Availability of Currency	You can open this account in AED only
Easy Withdrawals	Easily withdraw cash without any hassles
Attractive Interest Rate	You can earn an interest rate of up to 4.25% per annum*
Instant Account Opening	This can be opened through the FAB mobile app and online banking in no time

*if you opened this account between 1st May, 2023, and 30th November, 2025

Click here to Open FAB iSave Account

2. RAKstarter Account

If you're kicking off a business venture and seeking a streamlined banking solution, the RAKstarter account can be an ideal option. With zero minimum balance and no ledger fees, this account offers a number of perks to make your banking simple. 

You can operate this 0 balance account in UAE in AED, USD, EUR, or GBP. You can also enjoy attractive interest rates on your deposits and access perks like a free chequebook and business-financing opportunities. It’s easy to open this bank account in UAE from the comfort of your office with minimal documents. 

Features & Benefits of RAKstarter Account

Features and Benefits	Description
Multiple Currencies	This account is available in AED, USD, EUR, and GBP.
Chequebook Facility	It offers one chequebook for free in a year.
Attractive Interest Rate	Earn attractive interest rates on your savings — up to 0.25% p.a.
Business Financing	Get business financing options, from loans to funding for real estate.

Click here to Open RAKstarter Account

3. HSBC E-Saver Account

HSBC E-Saver account is a digital savings account. It gives you the flexibility to save and grow your money right at your fingertips. With this account, you can enjoy several benefits — competitive interest rates, easy cash deposits and withdrawals, no minimum balance requirement, and more. Additionally, it allows you to transfer funds worldwide in multiple currencies.

Whether you are a UAE national or an expat, you can deposit and withdraw your money quickly and conveniently. Once you meet the eligibility criteria, you can open this zero balance bank account in UAE in just a few minutes. Overall, it’s ideal for anyone who prefers managing their finances online.

Features & Benefits of HSBC E-Saver Account

Features and Benefits	Description
Competitive Interest Rate	Earn up to 3% fixed interest rate on your deposits. It is calculated on the daily closing balance and paid monthly
Quick Deposits	You can make deposits through online banking, cheque deposit machines, or telegraphic transfers.
Easy Fund Transfers	Transfer funds domestically or internationally in a variety of currencies.

Click here to Open HSBC E-Saver Account

4. ADIB Smart Account

Abu Dhabi Islamic Bank (ADIB) is a leading bank in the UAE, offering an array of bank accounts for residents. Smart account is a top zero balance account in UAE without a minimum salary requirement. This is a Shari’a-compliant bank account that features a range of exciting perks, such as profit-based returns, a free debit card, and access to the SmartDeals app. Moreover, the account supports salary transfers, which lets you participate in ADIB's salary bonus program. It also allows you to enjoy one free domestic or international transfer per month. 

Note: This 0 balance account in UAE is currently unavailable for new customers. 

Features & Benefits of ADIB Smart Account

Features and Benefits	Description
Competitive Profit Rate	Earn profit at an attractive rate on your monthly average balance every month.
Quick Fund Transfers	Enjoy 1 domestic and international transfer without any cost from the Smart banking mobile app
ADIB Salary Bonus	This account gives you an opportunity to earn bonus by transferring your salary into the account

Click here to Open ADIB Smart Account

5. Liv. Primary Account (Formed by Emirates NBD)

Liv. is a digital bank launched by Emirates NBD in the UAE. It offers a number of bank accounts, from which the Liv. Primary accounts is among the top ones. You can easily open this zero balance account in UAE through the mobile app without any hectic paperwork.This account allows you to manage your finances from the comfort of your home. Also, it includes unparalleled benefits such as a free debit card, chequebook, and much more.  

Features & Benefits of Liv. Primary Account 

Features and Benefits	Description
Instant Account Opening	Easily open this account with a few taps through Liv. app
Chequebook Facility	You can get a free chequebook if you choose a zero balance salary account in UAE with Liv.
Debit Card and Withdrawal Facility	Enjoy a complimentary debit card and easy withdrawals with no charges.

Click here to Open Liv. Primary Account

6. CBD GreenGrowth Account (Previously eSaver Account)

The GreenGrowth account (formerly known as the eSaver account) is among the best 0 balance accounts in UAE offered by the Commercial Bank of Dubai (CBD). It provides competitive profit rates based on monthly average balances, ranging from 0.50% to 1.25% per annum. The account is cardless, doesn’t incur any maintenance fees, and allows up to three debit transactions per month without affecting the profit rate.

Additionally, for every AED 25,000 increase in the average balance, CBD plants a mangrove tree on the customer's behalf and supports the UAE's environmental initiatives. You can access your balance and statements online and open the account instantly via the CBD mobile app. 

Features & Benefits of CBD GreenGrowth Account

Features and Benefits	Description
Simple Account Opening	Easily open this zero balance account in UAE through the CBD mobile app
Smooth Transactions	Make up to 3 transactions every month
Environmental Initiative	The bank provides quarterly mangrove updates and an e-certificate, promoting a sustainable future.

Click here to Open CBD GreenGrowth Account

Eligibility Criteria and Documents to Open Zero Balance Account in UAE

When you know the eligibility criteria and required documents, you can easily open a zero balance bank account in UAE. While the exact requirements are different for each bank, we have mentioned the key requirements, eligibility criteria, and required documents for your reference below —  

Eligibility Criteria	Documents Required
You must be at least 18 years old Both UAE nationals and expats can apply for a 0 balance account in UAE	Emirates ID Passport Passport-sized photograph Residence proof Trade license (if required)

Note: It’s best to check with the bank directly to understand the specific requirements and documents needed for a smooth account opening process.

Best Zero Balance Accounts in UAE for Expats

When choosing a zero balance account in UAE, expats should consider more than just the absence of minimum balance requirements. After all, the best accounts combine convenience, accessibility, and benefits designed specifically for those living abroad.

Many accounts, like FAB iSave, HSBC E-Saver account, ADIB Smart account, and more, offer seamless digital onboarding. This allows expats to open accounts quickly with minimal documentation, making the process hassle-free. Beyond ease of setup, it’s important to look for features like international money transfers, multi-currency management, and low foreign exchange fees.

Moreover, certain accounts are tailored for salaried professionals, offering perks such as salary transfer bonuses, cashback, or rewards on shopping and dining. However, you need to check their specific requirements, especially if you’re looking for a zero balance account in UAE without minimum salary. Others are ideal for frequent travellers. They provide widely accepted debit cards and free global ATM withdrawals, ensuring banking remains smooth and flexible wherever you go around! 

How to Open a Zero Balance Account in UAE?

Opening a zero balance account in UAE is simple and hassle-free. With Paisabazaar.ae, you can easily compare top banks, find the perfect account, and apply online in just a few clicks. To find the right option, follow the steps below — 

• Step 1: On Paisabazaar UAE’s official site,  fill out the lead form with your personal details 
• Step 2: Submit the form and review the options
• Step 3: Browse their features and pick the one that fits your needs
• Step 4: Click on the ‘Apply’ button 

Tips for Choosing the Best Zero Balance Account

Choosing the right account ensures convenience, better savings, and access to essential banking features without hidden costs. If you find it a daunting task to choose and open the right 0 balance account in UAE, here we discuss the pro tips to help you make an informed decision — 

• Tip1: Compare Interest Rates - Check which bank offers the most competitive interest rate on savings. So even if you choose to keep a minimum balance, it can still grow faster.

• Tip2: Review Account Charges - Make sure there are no hidden fees for services like ATM withdrawals, fund transfers, or debit card usage. All these charges can slowly eat into your savings over time.

• Tip3: Look for Digital Accessibility - Choose a bank with a reliable mobile app or online banking platform. This gives you not only seamless transactions and fund transfers but also the option to track the account anytime and anywhere.

• Tip4: Consider Customer Support - If you are searching ‘which bank is best for a zero balance account in the UAE?’, know that the account is not the only thing to consider. You also need to look at the customer support of the bank. It’s always advisable to choose one known for responsive customer service. Many banks in the UAE offer 24/7 customer support, ensuring quick help for issues like failed transactions, lost cards, or technical glitches.

Other Bank's Zero Balance Account in UAE
ADCB Hayyak Zero Balance Account	DIB Zero Balance Account?
Al Hilal Bank Zero Balance Account	ADCB Zero Balance Account
EIB Zero Balance Accounts

Zero Balance Account in UAE - FAQ's