Been turned down by a UAE bank? We'll get your account opened.
Corporate and personal accounts for residents, investor visa holders and non-residents. We prepare your documents in as little as one day, submit them to the right bank and stay with you until the account is live.
- Accounts opened after rejection
- Personal accounts in 4 hours
- Residents and non-residents
- 300+bank accounts opened
- UAE & BahrainWe work with all major banks in the UAE and Bahrain
- ComplianceWe know what each bank's compliance team looks for
Sound familiar?
Not sure where to turn? You're in the right place. These are the situations clients bring to us most often.
- Rejected with no explanationA two-line letter, no reason given, and no idea what to fix.
- Company set up months ago, still no accountYou have the licence and the clients, but nowhere to get paid.
- Turned down by bank after bankEach new application repeats the same mistake, and nobody has spotted it.
- Endless compliance questionsThe back-and-forth drags on for weeks, and every answer triggers another question.
- Investor visa, but no personal accountYou have residency and an Emirates ID, but the bank won't accept your visa type.
- Non-resident and not sure where to startYou need a UAE account but live abroad, and the options aren't clear.
What we do
- After rejection
Corporate accounts after a rejection
We find out why you were turned down, put together a clear, bank-ready explanation of your business and structure, prepare the documents quickly and apply to the right bank.
- Residents
Accounts for residents, including investor visa holders
Not every bank accepts investor visas, but we know which ones do. Personal accounts can be opened in 4 hours.
- Non-residents
Accounts for non-residents
No UAE residency? You still have options. We choose the bank, walk you through the process and explain every step.
MTNT Solutions helps clients open corporate and personal bank accounts in the UAE and Bahrain, including after a rejection. We identify why the application failed, prepare a business description and document package that compliance can easily follow, match you with a bank that suits your profile and support you until the account is open. Your initial case review is free. The final decision always rests with the bank.
Why banks say no, and don't tell you why
A trade licence doesn't guarantee a bank account. Banks want to know what your business does, where the money comes from and what ties it to the UAE. We prepare those answers before you apply.
We find the real reason and fix it before you reapply.
- 1Compliance can't tell what your business doesThe application doesn't make clear what you sell, who you sell to or how you get paid.
- 2Complex ownership structureHoldings, foundations, multiple shareholders, and the bank can't identify the ultimate beneficial owner.
- 3Your licence and application don't matchThe licence lists one activity; the business description says another.
- 4Unclear source of fundsNothing explains where the first deposits will come from.
- 5The bank doesn't accept your visa typeEvery bank has its own list of visas and client profiles it will take on.
How it works
- 01Free reviewTell us where you applied, what you submitted and what the bank said.
- 02AnalysisWe check your documents, jurisdiction, licensed activities and company structure.
- 03Document packageA clear business description plus a complete document set, ready in as little as one day.
- 04Bank match and submissionWe choose a bank that fits your profile, submit the application and handle compliance questions.
- 05You're liveWe help you set up the app, receive your card and make your first payments.
Resident or non-resident: what you need
Find your situation below to see which accounts are available, what documents you'll need and how long it usually takes.
Find your situation
- I live in the UAE and need a personal accountWhat you'll needUAE residence visa · Emirates ID · PassportTypical timeline4 hours
- I have an investor visa and need a personal accountWhat you'll needEmirates ID · Passport · We match you with a bank that accepts investor visasTypical timeline4 hours
- I live in the UAE and need a corporate accountWhat you'll needTrade licence · Company documents · Business description · Source of funds · One meeting at the bankTypical timeline1–3 weeks
- I'm a non-resident and need a personal accountWhat you'll needPassport · Proof of address · Proof of income · A visit to the UAE (available at selected banks only)Typical timeline1–3 weeks
- A bank has already turned me downWhat you'll needThe previous application and the bank's reply. We start with a free review and find the real reasonTypical timelineDepends on the case
UAE residentsNon-residentsAfter a rejection
Resident vs non-resident at a glance
UAE resident
- Who this is
- You hold a UAE residence visa (including investor and 10-year residency visas)
- Account types
- Personal
- Corporate
- Documents
- Residence visa, Emirates ID, passport
- Visit to the UAE
- Usually one meeting; some banks open accounts fully online
- Typical timeline
- Personal: 4 hours
- Corporate: 1–3 weeks
- What the bank checks
- Business activity, ownership structure, source of funds
Non-resident
- Who this is
- You live outside the UAE and have no UAE residence visa
- Account types
- Corporate (for a UAE-registered company)
- Personal (selected banks only)
- Documents
- Passport, proof of address, proof of income
- Visit to the UAE
- Required
- Typical timeline
- Corporate: 1–3 weeks
- Personal: 1–3 weeks
- Additional checks may apply
- What the bank checks
- All of the above, plus your company's ties to the UAE and your country of residence
Timelines and requirements are indicative. Each application is assessed individually by the bank.
Cases
Real cases from our clients. 300+ bank accounts opened — with all major banks in the UAE and Bahrain.
Corporate account after rejections
Timeline: 14 working days after submission
- Situation
- The company had been registered for over a year with no bank account. Banks had turned it down without explanation. The structure was complex (foundation → holding → operating companies), and compliance couldn't work out what the business actually did, so the questions kept coming until the bank declined.
- What we did
- We reviewed the documents, jurisdiction and licensed activities against what had been submitted, and found that the business description raised red flags. We mapped out the ownership structure, rewrote the business description so compliance could follow it, and applied to one of the country's largest banks.
- Result
- Account opened. The company now receives client payments, pays suppliers and runs payroll.
Personal account for a resident after a rejection
Timeline: 4 hours · card delivered the next day
- Situation
- The client held UAE residency, but his bank had refused to open a personal account.
- What we did
- We looked at where he'd applied and saw that his profile was better suited to a different bank. We chose the bank and prepared the application.
- Result
- By that evening the account was active in the app, and he could already send and receive money. The card arrived the next day.
UAE bank account for a non-resident
Timeline: 15 working days after submission
- Situation
- The client had no UAE residency but needed a UAE bank account. He didn't know what options were open to him or how the process worked.
- What we did
- We explained how non-resident accounts work, chose a suitable bank, prepared the documents and guided him through every step.
- Result
- Account opened and fully accessible.
300+ bank accounts opened. We work with all major banks in the UAE and Bahrain and know exactly what each compliance team expects.
Documents for a corporate account
The standard package most banks ask for. The exact list depends on the bank and your structure.
- 01Company trade licence
- 02Constitutional documents: MOA/AOA or certificate of incorporation
- 03Shareholder register and share certificates
- 04Passports, visas and Emirates IDs of shareholders and signatories
- 05Proof of address in the UAE and in your country of residence
- 06Company profile: what you do, who you sell to and who you buy from
- 07Contracts, invoices or letters of intent with clients and suppliers
- 08Six months of bank statements (personal or from related companies)
- 09Office lease (Ejari or the free zone equivalent)
- 10Owner's CV and an ownership chart (if there's a holding structure)
- 11A source-of-funds explanation for the initial deposits
You don't need to gather it all yourself. We'll put the package together, in as little as one day.
Pricing
Our fee depends on your situation: whether you've been rejected, whether you're a resident or non-resident, and whether you need a personal or corporate account. We'll give you a quote after your free case review.
Corporate account after a rejection
Rejection review, a new business description, the document package, bank selection, submission and compliance follow-up.
- Review of the rejection and application
- Business description for the bank
- Full document package
- Bank matched to your profile
- Submission and compliance answers
FeeQuoted after your free reviewPersonal or corporate account for a resident
A bank that accepts your visa type and profile, the application and support until your card and app are working.
- Bank matched to your visa type
- Application preparation
- Support until the account is open
- Help with the app and card
FeeQuoted after your free reviewAccount for a non-resident
We explain your options, choose the bank, prepare the documents and guide you through the process, including the bank visit.
- Your options explained
- Bank selection
- Document package
- Support with the visit and submission
FeeQuoted after your free review
Our fee covers MTNT's services only. Bank charges are paid directly to the bank, and any minimum balance requirements are set by the bank.
Frequently asked questions
Yes. Some UAE banks offer personal accounts to non-residents, and you can open a corporate account for a UAE-registered company. The requirements are stricter: you'll need proof of address and income, and usually a visit in person. We'll explain which options are open to you and guide you through the process.
Yes, as long as the company is registered in the UAE. The bank will look more closely at your company's ties to the UAE, the ownership structure and the source of funds. We choose a bank that works with non-resident owners and prepare the documents to its requirements.
Yes. Not every bank accepts investor visas, but several open personal accounts for them without any issues. In one recent case, a client had a working account in the app on the day we applied, and his card the next day.
Yes. One rejection doesn't close the door elsewhere. We review what you submitted and how the bank responded, then find the real reason. Most often it's an unclear business description, inconsistent documents or simply the wrong bank. Then we reapply properly.
If you're a UAE resident, your personal account can be opened in 4 hours. Corporate accounts depend on the bank and your company profile; in one case, after several rejections, we got the account opened 14 working days after submission. We can prepare your documents in as little as one day; the review period is set by the bank.
For a corporate account, most banks require at least one meeting with the authorised signatory. Non-residents usually need to visit. Some banks open personal accounts for residents fully online. We'll confirm what applies to you once we've reviewed your case.
The standard package: trade licence, constitutional documents, shareholders' passports and Emirates IDs, proof of address, company profile, client contracts or invoices, six months of bank statements and an office lease. The full list is in the Documents section above, and we prepare the package for you.
It depends on your activity, structure, visa type and expected turnover. Every bank has its own idea of an ideal client. We work with all major banks in the UAE and Bahrain, and we match the bank to your case, not your case to the bank. That's why we always start with a free review.
No. The decision rests solely with the bank. What we do is maximise your chances: a clear business description, a complete document package and an application to a bank that works with clients like you. We never offer ways to bypass KYC/AML checks.
Our fee depends on your situation and is quoted after your free case review. It covers the review, business description, document package, bank selection, submission, compliance follow-up and help after the account is open. Bank charges are paid directly to the bank.
Been turned down? Tell us what happened — the review is free.
Your initial case review costs nothing. We reply within 2 hours during business hours.
+971 56 805 5485info@mtnt-solutions.comBusiness Centre, Sharjah Publishing City Free Zone, Sharjah, UAEGet your free case review
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MTNT Solutions FZE is a private consulting company licensed in the SPC Free Zone (licence No. 4424911.01). We are not a bank and are not affiliated with any bank in the UAE or Bahrain. The decision to open an account rests with the bank; the timelines in our case studies reflect specific applications and are not a guarantee. We help you prepare and submit your documents correctly, and we never offer ways to bypass KYC/AML checks.