Business Essential
AED 210 per month
Minimum balanceNone
CurrenciesAED
Outward SWIFT bank feeFree; correspondent costs may remain
Zand Business
Digital SME bank account
Digital SME current accounts with Essential and Plus pricing and payment tools.
At a glance
Key facts
PlansBusiness Essential and Business Plus
Minimum balanceEssential none; Plus AED 20,000 monthly average
CurrenciesEssential AED; Plus AED, USD, EUR, GBP, CNH and other offered currencies
International transfersNamed plans waive the outward SWIFT bank fee; correspondent costs can still apply
PayrollWPS and non-WPS payment tools
Digital assetsBusiness customers can access a custodial digital-asset wallet and convert between fiat and stablecoins including AEDZ, USDT and USDC
Account typeNon-interest current account with digital onboarding
Debit cardShown as coming soon on the current product page
Fees
Business Essential monthly subscription · per monthAED 210
Business Plus monthly subscription · per monthFree
Business Plus monthly charge below AED 20,000 average balance · per monthAED 367.5
Use cases
Use casesBusiness accounts, International payments, Payroll
Plans
Business Plus
Free per month
Minimum monthly average balanceAED 20,000
CurrenciesAED, USD, EUR, GBP, CNH and other offered currencies
Outward SWIFT bank feeFree; correspondent costs may remain
Fees
210AED
Business Essential monthly subscription · per month
Free
Business Plus monthly subscription · per month
367.5AED
Business Plus monthly charge below AED 20,000 average balance · per month
Good to know
Eligibility
A UAE-resident business with a valid UAE trade licence can apply. The applicant must be at least 21, pass bank suitability and AECB checks, and supply ownership, signatory and address documents as requested.
Onboarding and cooling off
Zand targets opening within three business days after complete accepted documents. Account opening and activation require documentation, verification and applicable regulatory review. The account has a five-business-day cooling-off period, which applicants may waive to start sooner.
Account inactivity
After a year without activity, transactions are restricted until reactivation. Customers must keep ownership, contact and trade-licence records current.
Returned cheques
Insufficient-funds returns can be reported to AECB. Four within a year trigger closure and AECB blacklisting under the key facts.
Tariff scope
The named-plan KFS controls the Essential and Plus minimums and subscription charges. Other service charges shown here are labeled as generic corporate-schedule rates; intermediary costs can be additional.