Your company's account file prepared and followed up until the bank decides.
The account file for a Dubai mainland company, new or changing banks, prepared and followed up.
The same file for a free zone company, with the zone authority's documents the bank reads.
Every document the bank's due diligence turns on, checked, translated where needed and in order.
Your application followed until the bank decides, and a declined file read and corrected.
A UAE company cannot trade for long without a bank account, and opening one is where many new owners first meet a compliance file. Before it opens anything, the bank must know and check the company, the people who own it and whoever signs for it. AL HUDHUD prepares that file, helps you submit it through the bank’s own channel and follows it up until the bank decides.
We are not a bank, and we do not open accounts or introduce banks. Which bank you approach is your choice; whether it opens the account is its decision. What we can do is make sure the file in front of it is complete, consistent and readable. The Central Bank’s own rule for small businesses is that a bank must give the customer “a comprehensive list of all documents and information that the Financial Institution needs” (CBUAE, SME Customer Protection Regulation, Article 3.4, effective 13 September 2026), so we start from that list.
The bank's rules apply to the company "registered and based in the UAE" (CBUAE Rulebook 3.3.3, effective 15 August 2021). Your own position is confirmed with you at quotation.
The details are on Documents & KYC File. For a first conversation we need only:
Each bank discloses its own list; anything further is confirmed with you at quotation.
From the Central Bank's SME Customer Protection Regulation (CBUAE, C 2/2026, effective 13 September 2026):
Fees: Quote on request. Our service fee is quoted in writing after a short look at your company documents. Anything a bank charges is the bank's own and is not ours to quote.
No one but the bank can. We prepare your company's file, help you submit it through the bank's own channel and follow it up; the decision is the bank's alone.
That is your decision, and we do not recommend banks or products. We prepare the file the same way whichever bank you approach.
Step 1 of the rulebook covers the company's name, form, head-office address and licence, and "The name of the legal person's senior managing official" (CBUAE Rulebook 3.3.3, effective 15 August 2021). See Documents & KYC File.
For a low-risk customer with satisfactory standard documents, the Central Bank's rule is that opening "is completed within three (3) business days" (CBUAE, Article 4.46, effective 13 September 2026). Banks may take longer where financial-crime checks require it.
Yes. Banks "must have clear, transparent and consistent disclosure regarding the minimum documentary requirements for the opening of a Customer Bank Account" (CBUAE, Article 4.49).
Usually. A bank "must disclose the reason for rejection in Writing to the applicant", "except where the reason for rejection is related to Financial Crime risks" (CBUAE, Article 3.12). See Application Follow-up & Rejections.
The rulebook's company due diligence has one track for every zone; the documents come from the free zone authority instead of the mainland registry. See Free Zone Company Bank Account.
The bank decides how it verifies the people on the file, and some steps usually need the signatory in person. We prepare everything before you travel.
That is a commercial term each bank sets. The federal portal notes that "Many banks require a minimum monthly balance" (u.ae, Banking, updated 28 October 2026); we do not quote any bank's figure.
No. This desk prepares company account files only.
Every rule above names its source and the date shown when we read it on 14 November 2026: the Central Bank of the UAE's rulebook (rulebook.centralbank.ae) and the federal portal u.ae. AL HUDHUD is not a bank. We do not open accounts, introduce banks or advise on banking products: we prepare your company's file and follow it up. Each bank sets its own document list, charges and minimum balance, and the decision to open an account is the bank's alone.
Last updated: November 2026.
Opening the account
The file and the decision
Tell us what you need and an advisor calls you back with a realistic route, an itemised quote and a timeline. Free, no obligation.
