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Find Your Unclaimed Money in the UAE

UAE banks classify accounts as dormant after 3 years of inactivity and must transfer funds to the Central Bank after 5 years of dormancy under CBUAE regulations. Here's how to search for unclaimed bank funds in the UAE free.

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AED B+
Estimated Dormant
3–5 yrs
Dormancy Period
CBUAE
Central Custodian
Free
Claim Process

Unclaimed Money in UAE

The UAE has a relatively short dormancy framework — under the CBUAE Dormant Accounts Regulation, customers with no transactions for 3 years are classified as dormant. Banks must then attempt contact; if unsuccessful, funds are transferred to the CBUAE after a total of 5 years of dormancy.

Given the UAE's large expatriate population, many bank accounts are opened by workers who subsequently leave the country without properly closing their accounts. This makes UAE dormant accounts particularly common. The CBUAE's Consumer Protection Department oversees the process.

How to Search UAE Dormant Accounts

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Emirates NBD

UAE's largest bank by assets. Emirates NBD and Emirates Islamic Bank are part of the same group. Contact via emiratesnbd.com or any branch for dormant account enquiries.

✓ Largest UAE bank
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FAB (First Abu Dhabi Bank)

The other major UAE bank, formed from the merger of First Gulf Bank and National Bank of Abu Dhabi. Contact via bankfab.com.

✓ Abu Dhabi based major bank
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ADCB, RAKBANK & Mashreq

Abu Dhabi Commercial Bank, RAKBANK, and Mashreq are significant UAE banks used by many expatriates. All accept dormant account enquiries.

✓ Popular expat banks
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CBUAE Consumer Helpline

The Central Bank of UAE Consumer Protection helpline can direct you to the right institution. Contact via centralbank.ae or call 800-CBUAE (22823).

✓ CBUAE guidance

UAE Expatriate Accounts

The UAE's large expatriate workforce means many dormant accounts belong to former workers who have since left. UAE banks are required to make efforts to contact account holders before declaring accounts dormant. Former UAE residents can contact their bank's international customer service or the CBUAE Consumer Protection Department.

Emirates ID (for residents) or passport number (for non-residents) are the primary identifiers. Former residents should have their UAE residence visa number, Emirates ID, and old account statements available to facilitate the search.

What is the UAE dormancy period?
Under CBUAE Dormant Accounts Regulation, customers with no transactions for 3 years are classified as dormant at customer level. Banks must attempt to contact the account holder and, if unsuccessful, transfer the funds to the CBUAE after a total of 5 years of dormancy.
Can a former UAE resident claim a dormant account from abroad?
Yes. Former residents can contact their UAE bank's international customer service with a copy of their passport, Emirates ID (if available), and account details. Banks can process overseas claims by mail or electronically.
What about end-of-service gratuity (EOSB)?
Unpaid end-of-service gratuity is a separate matter from bank dormant accounts. It is the employer's obligation and a labour law matter. For unpaid EOSB, contact the UAE Ministry of Human Resources and Emiratisation (mohre.gov.ae).
What currencies can UAE dormant accounts hold?
UAE accounts can be in AED, USD, EUR, GBP, or other currencies. The account currency is preserved when transferred to CBUAE — the funds are not converted.

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Search UAE CBUAE Dormant Accounts Now

Contact your UAE bank directly — funds held by CBUAE are fully claimable.

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