811 CONSULTANCY · UAE RESIDENCY
Golden Visa via
Bank Fixed Deposit
The UAE Golden Visa is not limited to property investors. If you hold a qualifying fixed deposit with a UAE bank, you can secure 10-year residency without buying real estate. This route suits investors who prefer liquid assets or are not yet ready to commit to property.
At a Glance
◈ Visa Duration: 10 Years
◈ Minimum Deposit: AED 2,000,000
◈ Held in a UAE-Approved Bank
◈ Sponsorship: Spouse, Children and Parents
◈ No Minimum Stay Requirement
◈ No UAE Residency Required to Apply
AED 2M
Min. Fixed Deposit
10 Years
Residency
4–8 Wks
Processing
0%
Income Tax
HOW IT WORKS
How the Fixed Deposit Route Works
You place a fixed deposit of at least AED 2 million with a UAE-approved bank and maintain it for the duration of the visa. The deposit must remain locked for a minimum period as specified by the bank and the GDRFA. Unlike the property route, no title deed is required — the bank issues a confirmation letter submitted as part of your residency application.
ELIGIBILITY
Who Qualifies
◈ Minimum AED 2 million placed as a fixed deposit in a UAE-licensed bank
◈ Deposit must be held in your personal name (not a company account)
◈ Funds must remain for the minimum lock-in period set by the bank
◈ No criminal record or outstanding legal issues in the UAE
◈ Valid passport (typically 6 months validity or more)
◈ UAE residency is not required at the time of application
APPROVED BANKS
Accepted UAE Banks
The deposit must be placed with a bank approved by the UAE Central Bank. Your 811 Consultancy advisor will confirm the most up-to-date list and help you choose the right bank.
◈ Emirates NBD
◈ First Abu Dhabi Bank (FAB)
◈ Abu Dhabi Commercial Bank (ADCB)
◈ Dubai Islamic Bank (DIB)
◈ Mashreq Bank
◈ RAKBANK
REQUIRED DOCUMENTS
Document Checklist
All documents must be in English or accompanied by a certified translation.
◈ Valid passport with minimum 6 months validity
◈ Fixed deposit confirmation letter from UAE-approved bank
◈ Proof of deposit in personal name (bank statement or certificate)
◈ Passport-size photograph
KEY BENEFITS
What the Visa Includes
10 Years
Long-Term Residency
AED 2M
Liquid Investment
∞
No Min Stay
Family
Sponsorship
Full
Emirates ID
Multi
Currency
0%
No Income Tax
Global
Flexibility
APPLICATION PROCESS
How to Apply
The process typically takes 4 to 8 weeks from the date the fixed deposit is confirmed.
01
Place Fixed Deposit
02
Bank Confirmation Letter
03
Submit Application
04
Medical & Biometrics
05
Receive Visa & Emirates ID
GET STARTED
Ready to Get Started?
Contact 811 Consultants for a free consultation — we handle everything from start to finish.
