Need help with an inactive / dormant account

Activating an Inactive Account

You can activate an inactive account by performing credit transactions on the inactive account. You can do this via any of the following channels:

• Online Banking or the Mobile Banking App
• Any Emirates Islamic ATM
• A teller transaction at one of our branches

Once a transaction is done, your Account will change from Inactive to Active within 24 hours.

Activating a Dormant Account

To activate your Account from a dormant status, follow the guidelines detailed below with the necessary identification documents required.

If you are a resident with an Individual Account:

• You need to visit the branch
• Documents Required: Valid Emirates ID or Passport with UAE Residence Visa

If you are a resident with a Joint Account:

• All the joint account holders must visit the branch
• Documents Required: Valid Emirates IDs or Passports with UAE Residence Visa

If it is a Minor Account:

• The guardian needs to visit the branch
• Documents Required: Passport or guardian’s UAE ID

If you hold a Company Account

• You need to visit the branch
• Documents Required: Valid Emirates ID or Passport for identification, UAE Trade License and a letter signed by authorised signatories requesting activation of the account(s).

If you are a non-resident holding an Individual or Joint Account:

You need to submit a letter requesting activation of your Account signed by you or the joint account holders to your branch in the UAE along with the following documents:

• Proof of address
• Customer Due Diligence form
• FATCA/CRS self-declaration of the account holders
• Self-attested passport copies of the account holders

For individual or the joint account holders, once you submit these documents, your Account status will change to Active within 24 hours. For company accounts, this will take 2 to 3 working days.

Additional documents may be required at the Bank’s sole discretion.

Reclaiming Funds after Dormant Account Closure

If you have no contact with the Bank for 2 years after your accounts become Dormant, all your accounts will be subject to review and closure. In the event of account closure, any unclaimed funds will be transferred to the Central Bank of the UAE.

To reclaim these funds, follow the guidelines below:

If you are a resident with an Individual Account:

• You need to visit the branch
• Documents Required: Valid Emirates ID or Passport with UAE Residence Visa

If you are a resident with a Joint Account:

• All the joint account holders must visit the branch
• Documents Required: Valid Emirates IDs or Passports with UAE Residence Visa

If it is a Minor Account:

• The guardian must visit the branch
• Documents Required: Original passport or guardian’s UAE ID

If you hold a Company Account:

You need to visit the branch with the following documents:

If the company is active:

• Valid Trade License
• Memorandum of Association
• Shareholder Resolution
• Power of Attorney (if applicable)

If the company is active:

• De-Registration Certificate
• Memorandum of Association
• Shareholder Resolution

If you are a non-resident holding an Individual or Joint Account and you have moved to another country:

You need to send an email from your email address registered with the Bank to your parent branch manager in the UAE along with the following documents:

• A letter from the concerned government authority confirming the passport and address details of the account holder(s) along with an attestation from the UAE embassy in your country
• Self-attested passport copies of all account holder(s)
• Instructions for the transfer of your funds
• You need to mention contact details on the email

Additional documents may be required at the Bank’s sole discretion.

FAQs