How To Open A Zero Balance Bank Account Online In UAE | Step-by-Step Guide Opening a zero balance bank account online in the UAE is simple. Choose a bank offering zero balance accounts like FAB, Ruya, or Mashreq NEO. Download their mobile app or visit their website and start the application. Provide your Emirates ID, passport, and UAE residence visa details. Submit proof of income if required. Complete electronic KYC verification using UAE PASS or video verification. Once approved, receive account details and a debit card without the need to maintain a minimum balance. Most accounts come with free online banking and easy money transfers.