Multi-currency operations
AED, USD, EUR, GBP standard. Solid FX desk for GCC and Asia corridors.
Strong on ADGM and industrial mandates
Abu Dhabi Commercial Bank. Strong on ADGM, government-adjacent and industrial mandates.
Off-hours — we reply first thing at 9:00 local. Vy is always on.
Abu Dhabi Commercial Bank. Strong on ADGM, government-adjacent and industrial mandates.
AED, USD, EUR, GBP standard. Solid FX desk for GCC and Asia corridors.
Standard WPS, direct debit and cheque handling. Payroll well-suited to 10–200 headcount operators.
Corporate card programme with spend controls; solid for teams managing project expenses.
Deep footprint in Abu Dhabi. Preferred desk for ADGM licence-holders and government-adjacent mandates.
Country-wide branches with a heavier Abu Dhabi footprint than most peers.
LCs, bank guarantees and import / export financing — strong for industrial and contracting profiles.
AED, USD, EUR, GBP as standard.
Additional currencies on request.
Issued once the account is funded.
Corporate cards scale with balance and turnover.
LCs, guarantees, trade loans, project finance — strong on industrial and government-adjacent mandates.
Emirates NBDChoose if
Choose if
Choose if
A pure Dubai mainland file with no ADGM, Abu Dhabi mainland or GRE angle often reads as a weaker fit.
Missing personal statements or unexplained large deposits during the review period.
ADCB is more comfortable when at least one UBO holds an Emirates ID and can attend the RM meeting.
A licence saying “general trading” with no product family or invoicing corridor slows the file.
Payments, custody, lending or crypto adjacency without the FSRA / CBUAE licence in hand — hard stop.
Multi-layer offshore parents without a clean control chart back to natural persons.
Your licence route, activity, and profile affect which banks are realistic. Tell us the setup and we’ll tell you whether this bank is a fit, what the pack needs, and what to fix before submission.
Sonsoto quoted us a line-item budget for the licence, visas and the bank pack up front. Nothing crept in later. That alone was worth the fee.
I’d already been rejected by two banks. Sonsoto told me why, changed the pack, and we opened with WIO in three weeks. Straight answers, no theatre.
They caught a corporate-tax filing we were about to miss and re-scoped the renewals so we stopped paying twice for the same work. Now they run everything.
We’d spoken to four firms and got four different price sheets. Sonsoto was the only one that showed us where the extras came from — and we didn’t need them.
Golden Visa done, family visas done, licence renewed. Same team, same WhatsApp thread. I don’t chase PRO agents anymore.
They told me RAK was a better fit than Dubai for our margin. I’d already paid a deposit somewhere else. They still refunded my Sonsoto retainer and helped me exit.
More clients onboarded, higher payout.
Straight to the account.
More referrals unlocks higher payouts.
