Closing Your UAE Bank Account Before Leaving: Required Steps

Why you must close your account properly

Leaving the UAE without closing your bank account can leave you with unpaid fees, blocked cards, and negative marks on your AECB credit report. Banks follow strict 2026 rules set by the Central Bank of the UAE, so a clean exit protects your future options if you return.

Step 1: Get your end-of-service certificate

Visit MOHRE online or at a Tadbeer centre to download your end-of-service certificate. This document proves your employment has ended and is required by every major bank before they release your final balance.

Step 2: Clear all loans and credit cards

Pay off personal loans, car finance, and credit-card balances in full. Banks will not close an account with any outstanding facility. Request a no-liability letter from each lender once settled.

Step 3: Remove account holds and negative balances

Check for utility, traffic, or visa-related holds through the bank app or by calling customer service. Settle any negative balance at least 10 working days before your flight. Keep digital receipts.

Step 4: Submit the closure request

Most banks now accept closure requests through their mobile apps. Upload your Emirates ID, end-of-service certificate, and passport copy. Some branches still require an in-person visit with original documents. Processing takes 7-14 days.

Step 5: Confirm closure and collect final statement

Once approved, the bank issues a closure confirmation letter and a final zero-balance statement. Download both for your records. Check your AECB report 30 days later to ensure no negative entries appear.

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