UAE Operational Banking & Treasury Setup: Beyond “We Opened an Account”


Last updated: 2025-08-23 Source: WealthShield Author: Shield
intro:Abstract — Dubai/Abu Dhabi success is not a license; it’s a functioning payments staged limits after go-live. Fee: Project + monthly support; FX margins negotiated. Design first Map pay-in/pay-out lanes, currencies, and counterparties. Decide EMI

Abstract — Dubai/Abu Dhabi success is not a license; it’s a functioning payments & treasury stack. Here’s the consultant brief that gets you there.

Snapshot

  • Scope: Bank selection, multicurrency, payments, cards, FX, trade, limits.
  • Deliverables: Pre-screen pack, treasury policy, platform integration, attestation templates.
  • Timeline: 2–6 weeks typical; staged limits after go-live.
  • Fee: Project + monthly support; FX margins negotiated.

Design first

Map pay-in/pay-out lanes, currencies, and counterparties. Decide EMI vs bank vs both. Put narratives on high-risk flows (crypto-adjacent, sanctioned corridors).

Execution

Parallel tracks: KYC, platform setup, and risk controls (velocity, sanctions screening). Use a treasury dashboard for balances, exposures, and breaches.

Red flags

“No-visit guaranteed,” “same-day limits,” or ignoring corporate tax/qualifying income.

FAQs

  • Can free-zone entities bank easily? With substance and clear flows—yes.
  • Credit cards for OpCos? Possible; depends on limits and collateral.

Editor’s Note: The bank account is step one; the operating model is the product.

Tags: Directory, UAE, Banking, Treasury

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