Best 5 Digital Bank Accounts in UAE 2025

The way banking services are run for the last decade is completely changing. Availing bank services and products has become very easy and comfortable. Right from opening a bank to tracking the transactions on the account, everything is getting digitized where a customer can perform bank services online from anywhere at any time. Previously, opening a bank account in the UAE used to take at least a day but right now due to digitalization, a bank account can be opened in less than 10 mins online at any time of the day from anywhere in the world. 

Digital banking makes the work of a customer easy and provides banking services conveniently. There are several banks in the UAE that are offering Digital Bank Accounts where the customers can open a bank account online without even visiting a bank for anything. Here are the top Digital Bank Accounts in the UAE in 2025. 

Mashreq Neo

Mashreq offers a digital bank account in the UAE which is completely digital. The account runs on the app with no offline office at all. 

Features & Benefits of Mashreq Neo Account 

• Open account and earn AED 5000 as bonus
• AED 3500 is offered as cashback on salary transfer 
• A free Platinum debit card is provided 
• 1% per annum is the interest rate provided 
• The first cheque book is provided for free 
• Access to the global stock exchanges 
• Can invest in gold & foreign currencies 
• Can earn salaam points on spending the debit card anywhere worldwide 
• Maintain an average balance of AED 3000 in the account or spend AED 1000 using the debit card
• A minimum salary of AED 5000 is needed

How to open a Mashreq Neo Account? 

• Download Mashreq Neo App 
• Have Emirates ID and follow the instructions on the app 

Eligibility Required:

• Working UAE mobile number and email ID
• Minimum monthly salary of AED 5,000.
• A valid Emirates ID.

Documents required to open Mashreq Neo Account :

• Working UAE mobile number and email ID
• Valid Emirates ID
• An email ID
• Other documents as requested by the bank

ADIB Smartbanking

ADIB is one of the popular banks in the UAE and among several other banking products and services in the UAE, it offers a digital bank account called Smartbanking. 

Features and benefits of ADIB Smartbanking account 

• No minimum balance is required on the account
• A free Debit card is provided and delivered home for free
• Can earn a profit on the account balance
• Can get the debit card customized 
• Can win rewards on salary transfer 
• Transfer salary and win ADIB Salary bonus
• Earn AED 20 smart bonus by referring a friend 
• Avail 1 free domestic and international transfer per month 
• Can get a chance to win Tesla on the account 
• Access to 1500 deals and discounts on the smartdeals app 
• A minimum income of AED 5000 is needed or housewives with housewife visa status are eligible 

How to open an ADIB Smartbanking account? 

• Visit the ADIB moneysmart website to apply 
• Keep your Passport, Emirates ID and Resident Visa ready 

Eligibility Required:

• Minimum monthly income of AED 5,000 per month 
• Salaried professional, a business owner, or a partner in a firm, Housewives with Valid Visa and students aged 24 yrs

Documents required to open ADIB Digital Banking Account:

• Original passport
• Emirates ID (for nationals and residents)
• Valid residence Visa
• An email ID
• Banking service agreement 

Liv

Liv. is sponsored by Emirates NBD. It is one of the well-known digital banking accounts in the UAE which can be opened online without visiting any branch at all.  

Features and benefits of Liv. 

• Earn up to 4% cashback across all spends
• Earn Up to AED 1,500 monthly cashback
• Can earn upto 1.5% profit rate per annum 
• Up to 50% discount and deals on movies, lifestyle, dining, and much more 
• Can top up Liv. account easily using any debit card 
• Can share money easily 
• A monthly salary transfer of AED 4,000 is needed or Spend at least AED 1,000 with your Liv. card/month Or become a Prime subscriber Or have a Liv. credit card or Liv. loan Or keep your monthly average balance of AED 2,500 to enjoy the account for free without any maintenance charges 

How to open Emirates Liv. Account?

• Download Emirates Liv. App and follow the instructions 
• Have Emirates ID in hand while applying 

Eligibility Required:

• Valid Emirates ID card
• Minimum 18 years of age

Documents required to open Liv Account:

• Latest Emirates ID/Passport/ Visa.
• Residential Address in UAE (Ejari, Utility bill or other bank statement from last 3 months)
• FATCA self-declaration form.
• An email ID
• CRS declaration form.

YAP

YAP is a digital banking app provided by RAKBank. It provides a digital bank account and also helps the user to keep a track of the finances. 

Features and benefits of YAP 

• There is no minimum balance required on the account 
• No account maintenance fees charged 
• No paperwork is involved to open the account 
• Once you open a digital bank account on YAP, RAKBank will provide you an IBAN and the debit card will be delivered at your doorstep 
• Pain free bill payment
• Arrange everything in one place: transactions, spendings, notes, and receipts. 

How to open a YAP Digital Bank Account? 

• Download YAP app 
• Keep your Emirates ID in hand to scan  

Eligibility Required:

• Valid Emirates ID card
• Minimum 18 years of age

Documents required to open YAP Digital Bank Account:

• An email ID
• A valid and active UAE mobile number
• A valid Emirates ID

ADIB Amwali Account

ADIB Amwali account is a digital bank account for the children and the parents which encourages savings. 

Features and benefits of ADIB Amwali Account 

• Children can get money from parents & family
• Track the balance on the app and create savings goals 
• Receive money from parents and family, track balance and spending, create saving goals, pay friends, and more
• Now get up to 20% off annual membership fee to the elite AC Milan Academy in Dubai with your ADIB amwali card.
• Send money to others and make payments, withdraw cash, shop online and offline 
• Can add ADIB Amwali Account to Apple Pay
• Can open multiple accounts 
• Get AED 50 Welcome Bonus 
• Can win AED 50,000 cash on lucky draw on opening the ADIB Amwali Account 
• Can avail exclusive offers and deals on online shopping, entertainment, games, etc. 
• Parents can monitor the children’s account and set limits on the debit card 
• Children should be of below 18 years to be eligible for the ADIB Amwali Account 

How to open an ADIB Amwali Account? 

• ADIB customers can download ADIB Mobile App and apply for Amwali Account under the new accounts section 
• Only existing ADIB customers are eligible

Eligibility Required:

• Valid Emirates ID card
• Minimum 18 years of age

Documents Required:

• An email ID
• A valid and active UAE mobile number
• A valid Emirates ID

Advantages of Digital Bank Accounts in the UAE

The popularity gained by digital bank accounts in the UAE is immense and some of the advantages are, 

• Can apply for the account online 
• The account application process is less time taking 
• No paperwork is involved 
• Documents needed to apply for the digital bank account is less 
• Can apply and track the account from anywhere
• Get debit card delivered at home 
• High discounts and offers on the usage of the card or account 
• Simple and quick money transfer 
• Free or low charges on international money transfer 
• Can maintain zero balance on the account at some banks 
• Quick customer support 

Though digital bank accounts make banking easy and secure, it is important to maintain confidentiality regarding your passwords, PINs and OTPs to access the online account. 

How to Open a Digital Bank Account in the UAE?

Digital Banking in the UAE has rapidly grown faster in recent years because of the convenience it has as the user can open the account on their fingertips. Traditional banking is different from a digital bank account. The online banking services provide online account management, these services include fund transfer, account management and setting up standing instructions. There are AI generated money saving strategies which will enhance digital banking security. 

The rise of online banking will promote a digital economy where there is lesser cashflow in the circulation of the economy. Individuals, businesses and customers use digital banking for their day to day transactions. 

Steps to Opening a Digital Bank Account in the UAE?

There are various ways in which you can open a bank account digitally. 

Step 1- Select the bank in which you want to open an account.

Step 2- Select Open bank account

Step 3- Enter the details on the page with complete accuracy

Step 4- Once you enter the quotes page you have to go through available accounts.

Step 5- Read all the features, terms and conditions 

Step 6- You should select the suitable option and submit your request 

Step 7- The bank representative will call you back to verify the details. Some banks may follow different process verification may vary from bank to bank.

Step 8- Once the verification is completed your account will be opened. 

Features & Benefits of Digital Banking Account in the UAE

The following are the features and benefits of digital banking in the UAE

• It provides online savings where the user can start a savings account virtually. They can deposit money and transfer payments online.
• This is an efficient way for money management and transactions
• Payment of online bills is easy with online banking
• Debit card utilization and credit card utilization and their payments are efficient with online banking
• Provides for Safe and secure banking with the digital banking

Eligibility Criteria for Opening a Digital Bank Account in UAE

• The minimum age for opening an account digitally is 18 years and some banks have the criteria to open bank accounts at the age of 21 years. Minors can open an account but they have to be sponsored by their parents or guardian.
• All the residents, expats and nationals of UAE are eligible to apply for opening digital accounts in the UAE
• Digital documentation such as scanned copies of Emirates ID, visa copy or any other documents as requested by the bank should be uploaded as proof of identity.
• Some bank accounts provide a mandatory salary transfer and some bank offer just a savings account where the user can open an account digitally and operate it. 

Types of Digital Bank Accounts in the UAE

Saving Accounts:

A savings account is an account which is specially designed to operate for savings. The interest rate is provided on deposits which will encourage the user to save more in account digitally. The deposit into account and transfers can be done digitally. 

Current Accounts:

Current Account is opened for business purposes where the number of transactions are higher and these are daily transactions. Current accounts can be opened digitally with any leading lending institution. The digital account benefits like phone banking and online banking allow businessmen to track their transactions and make savings on their account. 

Business Accounts:

Business accounts are a kind of current account where the account is designed for companies and these can be digitally opened and operated. These accounts are managed for multi currency, online banking, payroll management and bill payments. 

Salary Accounts:

Salary accounts are opened by the employers to the employees and this can be digitally opened. There are also zero balance salary accounts which are created by the employees. Salary accounts cannot be opened by individual customers. There is some maintenance cost for the salary accounts for the companies and the users get benefit of good interest rates and overdraft facilities.

Documents required for opening Digital Bank Account

For Resident Individuals:

• Emirates ID, passport
• Latest bank account statements
• Salary certificate if any
• Any other documents requested by the bank

For Non-Resident Individuals:

• Passport, Visa, if applicable Proof of employment or self-employment 
• Address proof such as utility bill, bank statement
• Any other documents requested by the bank

For Companies:

• Emirates ID of the authorised signatories, passport of the authorised signatories
• Memorandum and Articles of Association
• Power of Attorney if any
• Any other documents requested by the bank