Off-hours — we reply first thing at 9:00 local. Vy is always on.
Abu Dhabi Islamic Bank is an Islamic onshore bank serving businesses through balance-segmented account packages. Segmentation runs from Business One at the entry band up to Business Elite above AED 750,000.
A dedicated Merchant Account package sits alongside the business tiers.
Card type steps up with the package, from Classic to Platinum.
Whole business proposition is structured on Islamic banking principles.
Business One is segmented from an AED 5,000 average balance upward.
Published bands make it easy to see which package a company falls into.
Higher packages include more free teller transactions per month.
AED accounts are priced explicitly; foreign-currency accounts are referenced in the schedule of charges but no currency list is published — treat specific currencies as not published
Issued after account is funded.
Corporate card limits scale with balance and turnover.
Not confirmed
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Accounts averaging under AED 5,000 face reclassification or closure per the schedule of charges.
Business activities incompatible with Islamic banking cannot be onboarded.
Missing MOA amendments or board resolutions delay signatory setup.
Ultimate beneficial owners who cannot be evidenced hold up review.
Licence activity that does not match the stated business model.
Initial funding that cannot be traced to a documented source.
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.
