We open UAE bank accounts even after a rejection
Corporate and personal accounts for residents, investor-visa holders and non-residents. We prepare the documents in 1 day, submit to the bank and see it through to opening.
- Opening after rejection
- Personal account in 1 day
- Residents and non-residents
300+ accounts openedWe work with every UAE bankWe know each bank's compliance
Sound familiar?
If you don't know who to turn to with your situation, you're in the right place. This is what people come to us with most often.
- The bank refused and gave no reasonA two-line letter with no explanation — and no idea what to fix.
- Company registered long ago, still no accountYou have the licence and the clients, but nowhere to receive payments.
- Rejected by several banks in a rowEvery new application repeats the same mistake nobody has found.
- Compliance keeps asking questionsRequests drag on for weeks, and every answer raises a new question.
- Investor visa, but no personal accountYou have residency and an Emirates ID, but the bank won't work with your visa type.
- Non-resident and don't know where to startYou need a UAE account but live abroad — and it's unclear what options exist.
What we do
- After rejection
Corporate account after a rejection
We find out why you were refused, build an explanation of your business and structure the bank understands, prepare the documents fast and submit to the right bank.
- Residents
Accounts for residents, including investor-visa holders
Not every bank is open to investor visas — we know where to go with your Emirates ID. A personal account is possible in 1 day.
- Non-residents
Accounts for non-residents
There are options for those without residency too: we pick the bank, guide you through the process and explain how everything works.
MTNT Solutions helps open a corporate or personal bank account in the UAE, including after a rejection: we find the reason for the refusal, prepare a business description and document package the bank understands, pick the bank that fits your profile and support you until the account is open. The initial case review is free. The decision to open an account is made by the bank.
Why banks refuse and don't say why
Registering a company does not guarantee an account. The bank checks whether your business is clear, where the money will come from and whether the business is tied to the UAE. We prepare the answers before submission.
We find the real reason and close it before resubmitting.
- 1Compliance doesn't understand the businessThe application doesn't make clear what the company sells, to whom and what it gets paid for.
- 2Complex ownership structureHoldings, foundations, several shareholders — the bank can't see the ultimate beneficial owner.
- 3Licence and application don't matchThe licence lists one activity, the business description another.
- 4Unclear source of fundsNo documents explain where the first money into the account will come from.
- 5The bank doesn't accept your visa typeEach bank has its own list of visas and profiles it is willing to work with.
How we work
- 01Free reviewWhere you applied, what you wrote in the application, what the bank replied.
- 02AnalysisDocuments, jurisdiction, licence activities and company structure.
- 03Package preparationA business description the bank understands plus the document package — fast, from 1 day.
- 04Bank selection and submissionA bank that fits your profile, the application, and answers to compliance questions.
- 05Account openWe help with the app, the card and the first payments.
Resident or non-resident — what's available
| UAE resident | Non-resident | |
|---|---|---|
| Account types | Personal and corporate | Personal (not at every bank) and corporate for a UAE company |
| Visa required | Yes, residence visa and Emirates ID | No; passport, proof of address and source of income required |
| In person | Usually one meeting; some banks open online | A visit to the UAE is usually required |
| Indicative bank timelines | Personal — from 1 day; corporate — 2–4 weeks | 2–6 weeks, additional checks possible |
| What the bank checks | Company activity, structure, source of funds | The same plus the UAE link of the business and the country of residence |
UAE resident
- Account types
- Personal and corporate
- Visa required
- Yes, residence visa and Emirates ID
- In person
- Usually one meeting; some banks open online
- Indicative bank timelines
- Personal — from 1 day; corporate — 2–4 weeks
- What the bank checks
- Company activity, structure, source of funds
Non-resident
- Account types
- Personal (not at every bank) and corporate for a UAE company
- Visa required
- No; passport, proof of address and source of income required
- In person
- A visit to the UAE is usually required
- Indicative bank timelines
- 2–6 weeks, additional checks possible
- What the bank checks
- The same plus the UAE link of the business and the country of residence
Timelines and conditions are indicative — the bank decides on each application.
Cases
- Corporate account14working days
Corporate account after three rejections
- Situation
- The company had been registered for over 12 months with no account. Three banks refused without giving a reason. Complex structure: foundation → holding → operating companies. Compliance couldn't understand what the business did, kept asking new questions and refused.
- What we did
- We reviewed the documents, jurisdiction and licence activities and compared them with what the client had submitted — the description of the business didn't inspire trust. We laid out the foundation → holding → companies structure, wrote a business description the bank could understand and applied to the country's largest bank.
- Result
- Account open. The company receives payments, pays suppliers and pays staff salaries.
- Time
- 14 working days · after submission
- Personal account · resident1day
Personal account for a resident after a rejection
- Situation
- The client had UAE residency, but the bank refused to open a personal account.
- What we did
- We looked at where he had applied and saw that his profile needed a different bank. We picked the bank and prepared the application.
- Result
- By the evening of the same day the account was live in the app — the client could already send and receive money. The card was delivered the next day.
- Time
- 1 day · card the next day
- Non-resident15working days
Account for a non-resident
- Situation
- The client had no UAE residency but needed an account with a UAE bank. He didn't know what options were available to a non-resident or how the process worked.
- What we did
- We explained how account opening works for non-residents, picked a suitable bank, prepared the documents and guided the client through the whole process.
- Result
- Account open, the client has access to it.
- Time
- 15 working days · after submission
300+ accounts opened. We work with every UAE bank and know the compliance details of each.
Documents for a corporate account
The basic 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 the country of residence
- 06Company profile: what it does, who it sells to, who it buys from
- 07Contracts, invoices or letters of intent with clients and suppliers
- 086 months of bank statements — personal or of related companies
- 09Office lease (Ejari or the free zone equivalent)
- 10Owner's CV and an ownership chart if there is a holding
- 11Explanation of the source of funds for the first deposits
No need to collect it yourself — we put the package together fast, from 1 day.
Pricing
The fee depends on the situation: after a rejection, resident or non-resident, personal or corporate account. We quote it after the free case review.
Corporate account after a rejection
Review of the refusal, a new business description, the document package, bank selection, submission and answers to compliance.
- Review of the refusal and application
- Business description for the bank
- Full document package
- Bank selection by profile
- Submission and compliance answers
Feeafter the free reviewPersonal or corporate account for a resident
A bank open to your visa type and profile, the application, support until the card and app are working.
- Bank selection by visa type
- Application preparation
- Support until opening
- Help with the app and card
Feeafter the free reviewAccount for a non-resident
We explain the options, pick the bank, prepare the documents and guide you through the process, including the bank visit.
- Explanation of available options
- Bank selection
- Document package
- Support for the visit and submission
Feeafter the free review
The fee is MTNT's charge for the service. Bank charges and minimum balances are paid by the client directly to the bank.
Frequently asked questions
Yes. Some UAE banks offer personal accounts to non-residents, and a corporate account can be opened for a company registered in the UAE. The conditions are stricter: proof of address and income, and usually a visit in person. We explain which options are available to you and guide you through the process.
Yes, if the company is registered in the UAE. The bank will look more closely at the business's link to the UAE, the ownership structure and the source of funds. We pick a bank that works with non-resident owners and prepare the documents to its requirements.
Yes. Not every bank is open to investor visas, but some open personal accounts on them without issues. In our case a resident had a working account in the app on the day of submission and the card the next day.
Yes. One bank's refusal doesn't close the door to others. We review what you submitted and what the bank replied, find the real reason — most often an unclear description of the business, inconsistencies in the documents or the wrong bank — and resubmit correctly.
A personal account for a resident can be open in 1 day. A corporate account depends on the bank and the company's profile: in our case after three rejections it was opened 14 working days after submission. We prepare the document package from 1 day. The review time is set by the bank.
For a corporate account most banks require at least one meeting with the signatory. For non-residents a visit is usually required. Some banks open personal accounts for residents online. We'll tell you exactly after reviewing your case.
The basic package: trade licence, constitutional documents, shareholders' passports and Emirates IDs, proof of address, company profile, contracts or invoices with clients, 6 months of statements, office lease. The full list is in the Documents section above. We put the package together ourselves.
It depends on the activity, structure, visa type and turnover. Each bank has its own profile of clients it is willing to work with. We pick the bank for your case, not the other way round — which is why we start with a free review.
No. The decision is made by the bank alone. We maximise the chances: a clear business description, a complete document package and an application to a bank that works with your profile. We do not offer ways around KYC/AML checks.
The fee depends on the situation and is quoted after the free case review. The service includes the review, business description, document package, bank selection, submission, compliance answers and help after opening. Bank charges are paid directly to the bank.
Been refused? Tell us about it — the review is free
The initial case review is free. We reply within 2 hours during working hours.
+971 56 805 5485info@mtnt-solutions.comBusiness Centre, Sharjah Publishing City Free Zone, Sharjah, UAEWe'll review your case for free
Fill in the form — we reply within 2 working hours
MTNT Solutions FZE is a private consulting company, SPC Free Zone licence No. 4424911.01. We are not a bank and are not affiliated with any UAE bank. The decision to open an account is made by the bank; the timelines in our cases are the outcome of specific applications, not a guarantee. We help prepare and submit documents correctly and do not offer ways around KYC/AML checks.