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How to obtain a UAE Golden Visa through a bank deposit in Dubai
The United Arab Emirates, renowned for its luxury lifestyle and attractive investment opportunities, offers a unique long-term residency program — the 10-year Golden Visa.
In recent years, several major banks, including Ajman Bank, ADCB, and FAB, have introduced an attractive legal residency option based on capital placement through fixed deposits. By placing a deposit of AED 2 million or more (approximately USD 545,000), applicants not only obtain long-term residency allowing them to live and work in the UAE, but also earn interest income on their capital.
In recent years, several major banks, including Ajman Bank, ADCB, and FAB, have introduced an attractive legal residency option based on capital placement through fixed deposits. By placing a deposit of AED 2 million or more (approximately USD 545,000), applicants not only obtain long-term residency allowing them to live and work in the UAE, but also earn interest income on their capital.
The process is relatively straightforward, although it requires compliance with specific conditions:
Deposit placement
A minimum deposit of AED 2 million must be placed in a deposit account with one of the participating banks. Exact minimum thresholds and conditions may vary depending on the bank, so it is essential to confirm the requirements directly with the selected financial institution.
A minimum deposit of AED 2 million must be placed in a deposit account with one of the participating banks. Exact minimum thresholds and conditions may vary depending on the bank, so it is essential to confirm the requirements directly with the selected financial institution.
Lock-in period
The funds must remain on deposit for a minimum of two years. Only after this period may the funds be withdrawn without risking cancellation of the Golden Visa.
The funds must remain on deposit for a minimum of two years. Only after this period may the funds be withdrawn without risking cancellation of the Golden Visa.
Interest income
During the deposit term, the applicant receives interest income on the funds. It is recommended to compare offers from different banks before making a decision, as interest rates may vary (typically in the range of 2%–5% annually).
During the deposit term, the applicant receives interest income on the funds. It is recommended to compare offers from different banks before making a decision, as interest rates may vary (typically in the range of 2%–5% annually).
To apply for the visa, a standard documentation package is required, including: сompleted and signed application form, wakala deposit agreement (a standard Islamic finance structure based on profit/loss sharing), valid passport. Applicants should also be prepared for enhanced due diligence, including source-of-funds verification, as banks may request documentation confirming the lawful origin of the deposited capital.
The advantages of the program are obvious: you get a long-term visa without the need for permanent renewal and financial benefit from interest. Among other things, you will be able to sponsor family members and also apply for visas for them. By investing in the UAE, you are preserving and increasing your capital in an economically and politically stable country with a high standard of living.
The Golden Visa via bank deposit represents a highly attractive option for high-net-worth individuals seeking long-term residence in the UAE combined with stable investment income. However, before making a decision, it is essential to carefully evaluate all conditions, compare banking offers, and obtain professional legal and financial advice. The legal team at WIVO Consulting provides free consultations and full support throughout the Golden Visa application process, ensuring a smooth, compliant, and efficient residency pathway in the UAE.
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Legalization of documents
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