WhatsApp quoteADCB is Abu Dhabi Commercial Bank, a leading lender with strong SME propositions and an efficient onboarding process for mainland and free zone entities, and it is one of the banks GoldenKey regularly introduces new companies to. Opening a business account with ADCB is a realistic goal for a well-prepared company, and preparation is exactly what GoldenKey provides. GoldenKey has licensed general trading company businesses for clients in ADCB and knows which sub-activities to list so you are not asked to amend the licence later. From day one, general trading covers multiple unrelated product lines, which is why some authorities price it above a single-line trading licence. Restricted goods such as pharmaceuticals, tobacco and precious metals still need their own approvals.
Why ADCB
From day one, having a UAE residence visa and Emirates ID for at least one signatory makes an ADCB application noticeably smoother. From day one, aDCB is known for ProCash digital banking, competitive fees for start-ups, good for Abu Dhabi-based businesses and trade and working-capital facilities, and that is why we shortlist it for companies with that profile. GoldenKey has licensed general trading in ADCB for customers ranging from solo founders to groups opening a regional branch, so we know which sub-activities to list.
How ADCB works with GoldenKey
Step 1Profile review
We assess your business profile against ADCB's appetite — activity, nationalities, turnover — and confirm the fit first.
Step 2Document pack
GoldenKey assembles the trade licence, memorandum, passport and visa copies, proof of address, business profile and supporting invoices or contracts. Nothing is submitted for an ADCB account for a general trading company until you have reviewed and approved it.
Step 3Introduction and meeting
GoldenKey introduces you to a business banking officer at ADCB and joins the request meeting, in person or online.
Step 4Compliance and activation
In our experience, the bank's compliance team reviews the file, may ask follow-up questions that we help you answer, and activates the account on approval. Expect clear updates from your GoldenKey consultant while this step runs for an ADCB account for a general trading company.
Documents required
In practice, gather these paperwork and GoldenKey will take care of the rest of an ADCB account for a general trading company.
- Sample invoices, contracts or purchase orders where available
- A business profile describing products, customers, suppliers and countries of operation
- Personal or corporate bank statements for the last three to six months
- Trade licence, certificate of incorporation and memorandum of association
- A CV for each shareholder and the company's website or social links
- Proof of residential address for each signatory
Pricing
All prices for an ADCB account for a general trading company are indicative, shown in AED and confirmed in writing before you pay. Importantly, use the table below to compare packages for an ADCB account for a general trading company; we will confirm the exact total for your case in a written quotation.
| GoldenKey service fee | AED 1,500 |
|---|
Introduction, document preparation and coordination with bank relationship manager
Request this servicePrices are indicative, in AED, exclusive of 5% VAT where applicable, and confirmed in writing before payment. Last updated 2026-10-07.
Why the UAE
Since 2021, most mainland activities have allowed 100% foreign ownership, and free zones have always offered it, so an ADCB account for a general trading company no longer requires a local partner. Banking, logistics, telecoms and digital government services in the UAE are among the most advanced in the region, which keeps the running costs of an ADCB account for a general trading company predictable.
Why GoldenKey
GoldenKey's consultants have handled an ADCB account for a general trading company for traders, consultants, tech business owners and family offices, which gives us a realistic view of what each authority approves fast. GoldenKey is based in Ajman Free Zone and has helped company owners from more than 60 countries with an ADCB account for a general trading company, so the paperwork, approvals and timing hold no surprises for us. As we tell every client, we speak the languages our customers speak, including English, Arabic, Hindi, Urdu and Malayalam, and we can arrange Russian, French and Mandarin support for an ADCB account for a general trading company.
Ready to start? Send us a WhatsApp message with your nationality, the activity you have in mind and the number of visas you need, and we will reply shortly with a written quotation for an ADCB account for a general trading company.
Frequently asked questions
How long does ADCB take to open a business account?
Timelines vary with the bank's workload and the complexity of your profile. Simple service companies with a resident signatory are generally faster; trading companies with many countries of operation take longer.
Is a minimum balance required at ADCB?
Most UAE banks apply a minimum average balance or a monthly fee below it. GoldenKey confirms the current ADCB terms for your package before you apply.
What if ADCB declines my application?
We ask for the reason, address it if possible and apply to a better-matched bank. A decline at one bank does not affect your submission elsewhere.
Which licence type covers general trading?
Put simply, general Trading is classified as a commercial activity, and GoldenKey selects the exact activity code so your licence matches what you actually do.
Is general trading allowed in ADCB?
ADCB assesses general trading businesses on their documentation and trading pattern. {brand} prepares a profile that explains the activity clearly.
