How to Open a Zero Balance Bank Account in UAE? ADCB Hayyak Online Method

Opening a bank account in the UAE has become more accessible and convenient with ADCB Hayyak. Whether you’re a salaried individual, non-salaried, or a homemaker, you can establish your banking relationship with ADCB in just a few minutes. This article will guide you through the simple steps to open a free zero-balance bank account using the ADCB Hayyak mobile application.

Main Benefits:

  1. Complete Online Bank Opening Process:
    Say goodbye to lengthy paperwork and visits to the bank. ADCB Hayyak allows you to open your account online, saving time and effort.
  2. ADCB Zero Balance Bank Account:
    Enjoy the convenience of maintaining a zero balance in your account, eliminating the need for a minimum balance requirement.
  3. Debit ATM Card:
    Receive a debit ATM card for easy access to your funds and seamless transactions.
  4. Check Book:
    Get a checkbook for traditional transactions and financial management.

Required Documents: To open an ADCB Hayyak account, you will need the following documents:

  • Passport
  • Emirates ID
  • UAE Mobile Number

Step-by-Step Guide to Open a Bank Account in UAE:

  1. Download the ADCB Hayyak Mobile Application (Android, iOS).
  2. Open the app and click on the “New User” button.
  3. Fill out the form with your name, email, and other required details, then click “Confirm.”
  4. Choose your communication preferences and click “Confirm.”
  5. Enter your mobile number and complete the OTP verification process.
  6. Return to the app home and select the “Returning User” button.
  7. Log in using your mobile number.
  8. Choose between a “Current or Savings Account” and select the “Islamic” type.
  9. Follow the registration steps by providing your personal information.
  10. Scan the front and back of your Emirates ID.
  11. Take a picture of your signature and scan it.
  12. Provide a personal declaration stating whether or not you hold a US passport, and select your country.
  13. Choose the UAE as your tax residency and select “NO” for the TIN.
  14. Specify your account preferences (Savings, Salary Transfer).
  15. Choose the name on your ATM card.
  16. Provide your home or office address to receive the ATM card and checkbook.
  17. Take a screenshot of your bank account details, and your card will be delivered to your address within three working days.
  18. After receiving the ATM card, download the ADCB main application (iOS, Android) to manage your bank account efficiently.

What You Can Do on ADCB Hayyak

  • Start your banking relationship with tailored premium benefits.
  • Open a current or savings account instantly.
  • Explore a range of rewarding credit cards for every lifestyle.
  • Check your eligibility and get a personal loan/finance with instant credit to your account.
  • Choose the Millionaire Destiny Savings account and enter a draw to win AED 1 million monthly.

ADCB Hayyak provides a hassle-free and user-friendly platform for opening a bank account in the UAE. With its online process, minimal documentation, and attractive benefits, ADCB Hayyak is the perfect solution for anyone looking to establish a banking relationship in the region.


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A respected Middle East journalist, brings over two decades of experience to her role as a content writing journalist for UAE News, notably at Newsgulf. Known for her insightful analysis, Bishara is a trusted source on the region's political, social, and economic developments. Her concise reporting and dedication to journalistic integrity have solidified his standing as a prominent voice in global discussions about the Middle East.

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