WhatsApp quoteOpening a business account with ADCB is a realistic goal for a well-prepared company, and preparation is exactly what GoldenKey provides. A UAE business account is the step that turns your licence into a working company, and ADCB is a sound candidate for many of the companies we form. GoldenKey has Portuguese customers from Lisbon, Porto and Faro, and our consultants understand the supporting documents granted in Portugal and how to attest them for the UAE. To be clear, for Portuguese founders, the UAE is around 8 hours from Lisbon, the UAE is 3 to 4 hours ahead of Portugal, and English is the business language in the UAE.
Why ADCB
Having a UAE residence visa and Emirates ID for at least one signatory makes an ADCB submission noticeably smoother. ADCB is known for ProCash digital banking, competitive fees for start-ups, good for Abu Dhabi-based businesses and trade and working-capital facilities, which is why we shortlist it for companies with that profile. In practice, portuguese applicants benefit from the fact that ADCB already has many Portuguese shareholders on its register, so its officers recognise Portugal supporting documents and name formats instantly.
How ADCB works with GoldenKey
Step 1Profile review
GoldenKey studies your licence, activity, ownership and expected turnover to judge whether ADCB is the right match before any form is filled. Your portal shows the status of this step for an ADCB business account for Portuguese owners in real time.
Step 2Document pack
GoldenKey assembles the trade licence, memorandum, passport and visa copies, proof of address, business profile and supporting invoices or contracts.
Step 3Introduction and meeting
GoldenKey introduces you to a business banking officer at ADCB and joins the request meeting, in person or online. We keep a written record of this step so your file for an ADCB business account for Portuguese owners is audit-ready.
Step 4Compliance and activation
After compliance review by ADCB, any queries are answered with our help and the account is opened.
Documents required
For an ADCB business account for Portuguese owners the licensing authority asks for the following documents, and we tell you exactly how each must be formatted.
- 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
- A bank statement from your Portugal bank for the last three months, which banks use to understand your profile
- Trade licence, certificate of incorporation and memorandum of association
- A passport issued by Portugal with at least six months' validity
Pricing
In short, the figures below for an ADCB business account for Portuguese owners are updated by GoldenKey whenever the authority changes its fees, so the price you see is the current one. In short, all prices for an ADCB business account for Portuguese owners are indicative, shown in AED and confirmed in writing before you pay.
| 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
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 business account for Portuguese owners predictable. The UAE's reputation as a trading hub means international clients and suppliers already trust a UAE licence, which shortens sales cycles for an ADCB business account for Portuguese owners.
Why GoldenKey
GoldenKey is a licensed business setup consultancy, not a reseller, which means your ADCB file is prepared, checked and submitted by our own team. Our office is a short drive from the Ajman Free Zone, Ajman DED and the immigration centre, so physical submissions for an ADCB business account for Portuguese owners happen the same day they are ready. In our experience, our quotations for an ADCB business account for Portuguese owners list every government fee and our service fee on one page, in writing, before you pay anything.
Prefer to visit? Our Ajman office welcomes walk-ins during working hours, and we can also meet you in Dubai or Sharjah by appointment to discuss an ADCB business account for Portuguese owners.
Frequently asked questions
Can I open a ADCB account without a UAE residence visa?
Some banks consider non-resident company accounts, but most prefer a resident signatory. GoldenKey as a rule processes your investor visa before the bank application for that reason.
Does GoldenKey guarantee a ADCB account?
No case manager can. ADCB's compliance team makes the decision. What GoldenKey does is prepare a complete, consistent application and introduce you to the right banking officer, which is where most of the difference is made.
Can a free zone company open an account with ADCB?
Yes. ADCB accepts companies from the main free zones, subject to its review. A clear activity and a UAE-resident signatory help.
Can a Portuguese citizen own 100% of a company in ADCB?
Yes. Portuguese nationals can own the full share capital of a ADCB company with no local partner, exactly like any other nationality.
Is there a double taxation agreement between Portugal and the UAE?
Yes, it can. The UAE and Portugal have a double taxation agreement, and a UAE tax residency certificate lets you claim treaty relief on qualifying income. GoldenKey can obtain the certificate once your company is established.
