Top 12 Salary Account in UAE, 2025

Mashreq Happiness Account

• Min. Salary: AED 10,000

• Eligibility: UAE residents (18+)

• Account Type: Current (Shariah-compliant option available)

• Zero Balance: No fall-below fees with salary transfer

Perks & Benefits

• Joining Bonus: Up to AED 2,000 (based on salary tier and how you apply)

• Unlimited Intl. Transfers: Via Mashreq’s digital banking

• Free Debit Card & Cheque Book

• Salaam Rewards: Earn points by making transactions and remittances

• QuickRemit: Fast transfers to 35+ countries

• Referral Bonus: Up to AED 6,000 for referring others

Things to Note

• Salary must be transferred from a UAE-registered employer

• Bonus can be clawed back if salary isn’t transferred for 2 consecutive months

• Below AED 10,000 salary, AED 25 monthly fee applies

Best For: High-earning professionals looking for strong rewards, no balance fees, and global transfer access.

Emirates Islamic Current Account

• Min. Salary: AED 5,000

• Min. Balance: AED 3,000 (waived with salary transfer)

• Account Type: Shariah-compliant current account

• Currencies Supported: AED, USD, GBP, EUR, and more

Perks & Benefits

• Global Debit Card: Use internationally for purchases and withdrawals

• Free Cheque Book: Personalized with 10 leaves for AED accounts

• Multi-Currency Account Setup: Ideal for users dealing in foreign currencies

• Mobile & Online Banking: Track spending and manage your account with ease

• SMS Alerts: Real-time transaction notifications

• Joint Account Option: Flexibility for shared finances

Things to Note

• AED 25 fee applies if you don’t maintain the AED 3,000 minimum and skip salary transfer

• Free ATM withdrawals capped at 6 per month; AED 10 per transaction thereafter

• Debit card and cheque book not issued for non-AED currency accounts

Best For: Those seeking a flexible, Shariah-compliant account with multi-currency options, reliable mobile access, and straightforward joint account features.

ADIB Ghina Salary Account

• Min. Salary: AED 8,000

• Account Type: Shariah-compliant salary account

• Profit Distribution: Declared quarterly on the 1st of January, April, July, and October

• Currency: AED, USD, or GBP

Perks & Benefits

• Visa Debit Card Included: Spend and withdraw worldwide

• Free Cheque Book: First issue is free; small fee for additional ones

• Monthly Profits: Earn expected returns when maintaining AED 5,000+

• Full Digital Access: Manage funds via mobile, online, SMS, or phone

• 24/7 Control: Banking convenience across all platforms

• Prize Draws: Maintain AED 20,000 to enter for cash, miles, or a Nissan Patrol

Things to Note

• Maintain AED 3,000 daily to avoid monthly fall-below fees

• Prize eligibility requires consistent balance of AED 20,000 or more

• Early account closure (within 12 months) may incur fees per ADIB’s policy

Best For: Customers seeking ethical banking with monthly profit returns and high-value prize draws—ideal for consistent savers earning AED 8,000 or more.

RAKBANK RAKmore Salary Transfer Account

• Min. Salary: AED 5,000

• Account Type: Current account

• Balance Requirement: None (zero-balance account with salary transfer)

Perks & Benefits

• Free Debit Card: Round-the-clock access via Mastercard ATMs worldwide

• Monthly Cheque Book: One free issue per month

• Unlimited Local Transfers: Send money within the UAE at no extra cost

• 1 Free International Transfer/Month: Via Digital Banking (excluding RAKMoneyTransfer)

• Free-for-Life Credit Card: Based on eligibility

• Segmented ATM Access:

  • RAKElite: 3 free non-RAKBANK ATM withdrawals/month

  • RAKSelect: 2 free

  • Standard: 1 free

Things to Note

• AED 100 fee if the account is closed within 12 months

• AED 2 fee applies after the allotted free ATM withdrawals

• International ATM usage incurs AED 20 per transaction

• International remittances may involve correspondent bank fees

• All the service charges are inclusive of 5% VAT.

Best For: Individuals earning AED 5,000+ who want a zero-balance salary account with strong local transfer perks, and added benefits for higher salary tiers.

ADCB Salary Account

• Min. Salary: AED 5,000

• Account Type: Current account

• Currencies Supported: AED + major global currencies

Perks & Benefits

• Free AED Cheque Book: One issued upon account opening

• E-Statements: Stay updated with zero-cost digital statements

• Digital Access: Full control through ADCB mobile and internet banking

• Multi-Currency Option: Open accounts in foreign currencies as needed

• TouchPoints Rewards: AED 8,000 salary earns TouchPoints (Salary Transfer Bonus)

Added Benefits

• Salary Transfer Bonus: Up to 6,500 TouchPoints for UAE Nationals and 5,500 for Expatriates, redeemable for lifestyle rewards

• Relationship Manager: For customers earning AED 20,000+

• Privilege Banking Access: Premium services and exclusive offers

Things to Note

• Meet any one of the following to avoid AED 25 fall-below fee:

  • Maintain a total relationship balance of AED 3,000
    OR

  • Salary transfer of AED 5,000 or more per month
    OR

  • Hold any other product with ADCB (Credit Card, Loan, Overdraft, Brokerage, Bancassurance, or Investment)

• To unlock salary rewards: AED 8,000+ salary + AED 2,500 card spend within 3 months

• Non-ADCB ATM usage may incur charges based on account tier

Best For: Professionals earning AED 5,000+ who value loyalty rewards, digital convenience, and prefer a bank that offers tiered service as their income grows.

Emirates NBD Salary Account

• Min. Salary: AED 5,000

• Account Type: Current account

• Currencies Available: AED, USD, GBP, EUR

Perks & Benefits

• Zero Balance Required: No fall-below fees with salary transfer

• Free Debit Card & Cheque Book: Issued at account opening

• Robust Digital Banking: Mobile and online access with MePay for instant transfers

• 600+ ATMs & 90+ Branches: One of the largest networks in the UAE

• Contactless & Cardless Access: Withdraw cash or make purchases without your card

• DirectRemit Transfers: Send money abroad in under 60 seconds

Added Benefits

• Cash Incentives: Earn up to AED 15,000 plus a chance to win from prize draws worth AED 5 million

• Smart Security: Protected by advanced chip technology and fraud safeguards

• Utility Bill Payments: Settle bills easily within the app

Things to Note

• Salary must be transferred to waive balance fees

• AED 3,000 average balance required if no salary transfer (AED 26.25 fall-below fee)

• AED 105 fee if account is closed within 6 months

• Extra cheque books cost AED 10.50 each

Best For: Salary earners looking for maximum convenience, cashback rewards, and fast global remittance with strong digital and in-person banking options.

Standard Chartered Salary Account

• Min. Salary: AED 5,000

• Account Type: Current account

• Currencies Supported: AED, USD, GBP, EUR

Perks & Benefits

• Free Global Debit Card: Use at ATMs and POS worldwide

• No Balance Requirement: No fall-below fee if salary is transferred monthly

• Free Cheque Book: Issued at account setup

• Digital Banking: Full control via app and online portal

• Bill Payments Made Easy: Pay DEWA, Etisalat, Du, and more

• 0% Balance Transfers: Consolidate credit card dues interest-free

• Islamic Option Available: Choose Shariah-compliant banking with Saadiq

Added Benefits

• Reward Credit Cards: Access cashback and loyalty programs

• Cash Convenience: 24/7 global ATM usage

• Additional Services: Set up automatic payments or deposit cash at machines

Things to Note

• AED 5,000 salary transfer is required to maintain zero-balance status

• Only UAE residents aged 21+ are eligible

Best For: Expats and residents who want a no-fuss, globally accessible account with digital ease, optional Islamic banking, and rewards on credit usage.

Commercial Bank of Dubai (CBD) Salary Account

• Min. Salary: AED 5,000

• Account Type: Current account

• Currency: AED

Perks & Benefits

• Free Debit Card: Chip & PIN enabled with global access and contactless payments

• Complimentary Cheque Book: First one free upon account opening

• Digital Banking Access: Use CBD’s mobile app and online portal for 24/7 account management

• Built-in Budgeting Tools: Monitor spending and track savings within the app

• Overdraft Facility: Emergency personal overdraft available when needed

• 24/7 Customer Support: Round-the-clock assistance via CBD’s call center

Added Benefits

• CBD Reward Points: Earn on every dirham spent and redeem for deals and discounts

• Lounge Access: Complimentary entry to 10+ airport lounges in the UAE, KSA, Jordan, Kuwait, and Egypt for Platinum Debit Card holders

• International Transfers: Send money abroad through the app at competitive rates

Things to Note

• AED 5,000 minimum salary transfer required to waive the AED 26.25 balance fee

• Maintain average balance or salary credit to avoid penalties

• AED 105 fee applies if account is closed within six months

Best For: Salary earners looking for digital banking tools, lounge perks, and reward points—with a practical overdraft option for financial flexibility.

Liv. by Emirates NBD Account

• Min. Salary: AED 10,000

• Account Type: Digital current account

• Currency: AED

Perks & Benefits

• Zero Balance Requirement: No fall-below fees with AED 10,000+ salary transfer

• 100% Digital: Open and manage your account through the Liv. app—no branch visits needed

• Free Visa Debit Card: Issued at signup with global access

• Built-in Budgeting Tools: Track expenses, save smarter, and set financial goals

• Lifestyle Discounts: App-only deals on dining, travel, shopping, and entertainment

• 24/7 App Chat Support: Round-the-clock help via in-app chat

Added Benefits

• Interest on Balances: Earn up to 1.5% profit annually

• Monthly Prize Draws: Keep AED 1,000+ in your account to enter the Livionaire draws (win up to AED 1M)

• Wallet Integration: Works with Apple Pay, Google Pay, and Samsung Pay

• Global Transfers: Send money abroad at competitive rates through the app

Things to Note

• AED 5,000 monthly salary transfer needed to avoid balance fees

• Without salary, maintain AED 3,000 or pay AED 25 fall-below fee

• No cheque book available for this account

Best For: Digital-first users who want a modern, app-based banking experience with rewards, smart financial tools, and full control on the go.

HSBC Advance Account

• Min. Salary: AED 10,000

• Account Type: Current account

• Currencies Supported: AED, USD, GBP, EUR

Perks & Benefits

• Multi-Currency Account: Hold and manage funds in four major currencies

• Free International Debit Card: Global access with no added fees

• Digital Banking: Full control via HSBC mobile and internet banking

• Overdraft Facility: Fee-free up to 1x salary or AED 50,000 (whichever is lower); first AED 2,000 is interest-free

• Global Transfers: Send money abroad with ease and competitive rates

Added Benefits

• Cashback Offer: AED 1,500 cashback when you open an Advance account via the HSBC UAE app (until 31 Dec 2025)

• Travel Discounts: 10% off British Airways flights using your HSBC Advance Debit Card

• ENTERTAINER App Access: Enjoy 2-for-1 deals on dining, leisure, and more

• Global Recognition: Advance status acknowledged across HSBC’s international network

Things to Note

• AED 10,000 salary must be credited monthly to maintain eligibility

• AED 100,000 in deposits/investments required to avoid service fees

• Salary must be clearly marked as “Salary” in transaction description

• Applicants must be 18+ and not already banking with HSBC UAE

Best For: High-earning professionals seeking a globally recognized banking experience with multi-currency access, overdraft options, and lifestyle perks at home and abroad.

FAB One Account

• Min. Salary: AED 10,000

• Account Type: Current account

• Currency: AED only

Perks & Benefits

• No Balance Charges: No fall-below fee, even without maintaining a minimum

• Platinum Mastercard Debit Card: Free with international access and perks

• Lounge Access: Enjoy up to 4 complimentary visits a year at select Middle East airports

• Digital Banking: Full access via FAB mobile and internet platforms

• Retail Discounts: Get exclusive offers with select UAE brands

Added Benefits

• FAB Rewards:

  • 40 points per AED 100 spent (local or international)

  • 6 points per AED 1,000 in average balance (min. AED 10,000; cap at 80,000/month)

• Online Purchase Security: One-time password (OTP) for every transaction

• Purchase Protection: Coverage for up to 90 days on eligible card purchases

Things to Note

• AED 10,000 salary is mandatory to open the account

• Only 4 free ATM withdrawals/month across the UAE; extra usage may incur fees

• Available only to UAE residents

Best For: High-earning individuals who want zero balance hassle, a strong rewards program, airport privileges, and lifestyle perks in a single digital-friendly account.

ADIB Current Account

• Min. Salary: AED 5,000

• Min. Balance: AED 3,000 (to avoid fall-below fee)

• Account Type: Shariah-compliant current account

• Currencies Supported: AED, USD, GBP, EUR

Perks & Benefits

• Visa Debit Card: Free with global access

• Free Initial Cheque Book: Issued at opening; fee applies for additional books

• Unlimited Teller Access: Use any of 60+ ADIB branches across the UAE

• Full Digital Access: Online, mobile, phone, and SMS banking

• 24/7 Banking: Manage your account any time

• Standing Instructions: Set up recurring bill or transfer payments with ease

Added Benefits

• No Monthly Fees: When minimum balance is maintained

• Overdraft Option: Instant facility for those transferring AED 8,000+

• E-Statements: Free monthly statements straight to your inbox

• Ethical Banking: Fully compliant with Islamic finance principles

Things to Note

• AED 25 fee applies if balance drops below AED 3,000

• Overdraft feature requires a higher salary transfer (AED 8,000)

• Additional cheque books cost AED 25 each

Best For: Those earning AED 5,000+ seeking a Shariah-compliant, branch-accessible account with flexible banking options and overdraft support.