United Arab Emirates (AE)
The United Arab Emirates is a federation of seven emirates — Abu Dhabi, Dubai, Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah, and Fujairah — that has transformed from a pearl-diving and fishing economy into one of the world's most modern and cosmopolitan nations within a single generation.
Capital: Abu Dhabi
Region: Middle East
Language: Arabic
Currency: AED (د.إ)
Cost of living: Expensive (index 78)
Emergency: 999
Premium
Your Integration Checklist
59 tasks · 12 premium
Mandatory Optional
0 / 0 tasks completed 0%
Personalised for: you
Edit
Sign In to save your progress and personalise your checklist
No tasks in this category
Sign in or set your profile to see personalised tasks for this category.
Time: DEWA setup: 30–60 minutes online. Internet: 1–5 working days for installation. · Cost: DEWA deposit: AED 2,000 (apartments) / AED 4,000 (villas). Internet: AED 200–600/month.
Deadline: Set up before or on move-in day
Documents needed:
- ✓ Ejari/Tawtheeq registration
- ✓ Emirates ID
- ✓ Tenancy contract
- ✓ Security deposit payment (DEWA)
Tip: DEWA setup: apply at dewa.gov.ae — fully digital, takes 1–2 days. For Abu Dhabi, visit addc.ae or aadc.ae. Mobile data: e& (Etisalat) and du both offer good prepaid and postpaid plans — SIM requires Emirates ID. UAE has no data caps on most broadband plans. Cooling (district cooling) in some developments is paid separately to Emicool or Palm Utilities.
Local institution: DEWA (Dubai) / ADDC (Abu Dhabi) / Etisalat (e&) / du (Electricity, Water, and Telecoms Providers)
Time: Should be active from day one of employment — confirm immediately · Cost: Employer pays basic mandatory plan. Top-up voluntary plans: AED 200–600/month
Deadline: From first day of employment
Risk if missed: Without insurance, a specialist visit costs AED 350–600 out of pocket. Hospital admission: AED 2,000–5,000/day. Emergency treatment: AED 5,000–50,000+.
Documents needed:
- ✓ Emirates ID
- ✓ Insurance card (from employer)
- ✓ Insurance policy documents
Tip: Check: Is the plan Daman Essential or Enhanced? Daman Essential (minimum legal requirement) covers emergency + basic outpatient up to AED 150,000/year. Request a list of in-network clinics from your insurer. Keep insurance card in your wallet at all times. Maternity and dental are usually excluded from basic plans — ask HR about top-up options.
Local institution: DHA (Dubai) / DOH (Abu Dhabi) / Daman (National Health Insurance Company) (Dubai Health Authority / Department of Health Abu Dhabi)
Time: 15 minutes online. Activation: 1–2 business days. · Cost: AED 1,000–2,000 refundable deposit. Plus AED 110 connection fee.
Deadline: Before moving in
Risk if missed: No electricity or water. Cannot complete Emirates ID without active DEWA connection as address proof.
Documents needed:
- ✓ Emirates ID
- ✓ Ejari certificate (registered tenancy number)
- ✓ Premises number (from landlord or on previous DEWA bill)
- ✓ DEWA deposit (AED 1,000 apartments / AED 2,000 villas)
Tip: Apply online at dewa.gov.ae or the DEWA app — takes 10 minutes. You will receive a smart electricity and water meter. Monthly bill: AED 300–600 for a 1-bedroom apartment. DEWA automatically charges a higher tariff for consumption above threshold — minimise usage in summer.
Local institution: DEWA — Dubai Electricity and Water Authority (Dubai Electricity and Water Authority)
Time: 1–3 hours at centre. Results: 2–5 working days. · Cost: AED 250–350 (standard)
Deadline: As soon as possible after arrival — required before visa stamping
Risk if missed: Cannot proceed with residence visa. Entry permit will expire.
Documents needed:
- ✓ Original passport
- ✓ Entry permit copy
- ✓ Passport-sized photo
Tip: Go early in the morning to avoid queues. Nearest centres: Al Barsha, Deira, Karama in Dubai. Bring printed copies and originals of all documents. Fasting is not required for the blood test. HIV and TB positive results result in visa denial and deportation — this is enforced strictly.
Local institution: MOHAP-approved Medical Fitness Centres (Ministry of Health and Prevention approved centres)
Time: 10 minutes (Liv. digital) to 2–3 business days (traditional bank) · Cost: Free. Monthly fee AED 0–25 depending on bank and salary credit.
Deadline: As soon as Emirates ID is received
Risk if missed: Salary cannot be received via WPS without a bank account. Cannot pay rent, utilities, or build credit score.
Documents needed:
- ✓ Emirates ID (original)
- ✓ Passport with visa page
- ✓ Salary certificate or employment letter (stating salary, position, joining date)
- ✓ Tenancy contract or Ejari registration (address proof)
- ✓ NOC from previous employer (if transferring jobs)
Tip: Start with Liv. by Emirates NBD for fastest digital opening. Salary credit waives monthly fees at most banks. Note: a Savings account has AML restrictions — insist on a Current/Salary account. Give your IBAN to HR immediately. Chequebook is needed for rent payments if landlord requires post-dated cheques.
Local institution: Emirates NBD / ADCB / FAB / Mashreq / Liv. Bank (UAE Commercial Banks)
Time: Hospital registration: immediate. Home country embassy: 1–4 weeks. · Cost: AED 50–100 for UAE birth certificate. Embassy fees vary.
Deadline: Within 30 days of birth
Risk if missed: Fine of AED 50/day for late registration. Child cannot leave UAE without registration.
Documents needed:
- ✓ Both parents' passports and residence visas
- ✓ Marriage certificate (attested) — unmarried mothers face serious legal issues
- ✓ Hospital birth notification
Tip: Critical: Births to unmarried parents are technically illegal in UAE (extramarital sex is illegal). Same-sex couples cannot register births together. For married expats, the process is straightforward. Once you have the UAE birth certificate, visit your home country embassy to register the child's nationality and get a home country passport.
Local institution: Ministry of Health and Prevention / Dubai Health Authority (Birth Registration Authority)
Time: 30–60 minutes at typing centre or online via RTA app · Cost: AED 220 (standard) + AED 10 knowledge fee. Landlord may pay this.
Deadline: Within 30 days of signing tenancy contract
Risk if missed: Cannot connect DEWA utilities, open bank account with address, or complete Emirates ID application without valid Ejari.
Documents needed:
- ✓ Signed tenancy contract
- ✓ Emirates ID (tenant)
- ✓ Passport copy (tenant + landlord)
- ✓ Title deed copy (landlord)
- ✓ DEWA premises number
Tip: Typically done by the landlord or property management company — confirm with them. You can also do it yourself at any AMER centre, typing centre, or via the Dubai REST app. Keep your Ejari certificate safe — you will need it multiple times.
Local institution: RTA Ejari / Abu Dhabi Municipality Tawtheeq (Official Tenancy Registration System)
Time: 20–30 minutes for biometric capture. Card delivery: 5–10 working days (standard) / 2 days (express). · Cost: AED 200 (2-year card, AED 100/year) + AED 40 (knowledge/innovation fees). Express: AED 150 extra.
Deadline: Within 30 days of residence visa stamping
Risk if missed: Fine of AED 100 for first month, then AED 200 per additional month of delay. Cannot open a bank account, register a SIM, or access most government services without Emirates ID.
Documents needed:
- ✓ Valid passport with residence visa stamp
- ✓ Entry permit / visa page copy
- ✓ Completed online application (ICP website or app)
- ✓ Biometric appointment confirmation
- ✓ Application fee payment receipt
Tip: Apply online at icp.gov.ae to schedule your biometric appointment. Collect card from approved typing centres or FADS (fast track). Download the ICP UAE app for updates. Ensure your name spelling matches your passport exactly — corrections are costly.
Local institution: ICP — Federal Authority for Identity, Citizenship, Customs & Port Security (Federal Identity Authority (ICP))
Time: 2–4 weeks from medical test to visa stamp · Cost: Typically paid by employer (AED 3,000–5,000 in government fees)
Deadline: Before your entry permit expires (usually 30–60 days from entry)
Risk if missed: Illegal residency — AED 100/day overstay fine. Deportation and potential entry ban if significantly overstayed.
Documents needed:
- ✓ Original passport
- ✓ Entry permit (issued before arrival)
- ✓ Medical fitness test certificate (UAE approved centre)
- ✓ Emirates ID application receipt
- ✓ Employment contract (for employment visa)
- ✓ Sponsor's trade licence copy (for employment visa)
- ✓ Biometric data capture (done with Emirates ID)
Tip: Your company PRO handles most of this. Follow up with HR if visa stamping is taking more than 3 weeks. You should receive your passport back with a red/purple residency visa sticker. Immediately apply for Emirates ID upon receiving your stamped passport.
Local institution: GDRFA — General Directorate of Residency and Foreigners Affairs (Immigration Authority (GDRFA Dubai) / ICP (other emirates))
Time: 10 minutes online. Biometric re-capture required if features changed. · Cost: AED 100–300 depending on card duration + AED 40 knowledge fees
Deadline: Renew 30–90 days before expiry
Risk if missed: AED 100 fine for first month expired, AED 200/month thereafter. Access to banking, healthcare, and government services blocked.
Documents needed:
- ✓ Current Emirates ID
- ✓ Valid residence visa (must also be renewed if expiring)
- ✓ Payment
Tip: Set a calendar reminder 90 days before your Emirates ID expiry date. If your employer sponsors your visa, they typically handle renewal — confirm with HR. Visa and Emirates ID usually expire together. If you are between jobs, ensure renewal is handled before the grace period ends.
Local institution: ICP — Federal Authority for Identity, Citizenship, Customs & Port Security (Federal Identity Authority (ICP))
Time: 1–2 weeks (handled by employer) · Cost: Free for employee — employer handles registration
Documents needed:
- ✓ Employment contract (Arabic + English versions)
- ✓ Emirates ID
- ✓ Passport
Tip: Request a copy of your MOHRE-registered contract from HR. Compare it to your offer letter — discrepancies favour the Arabic version in court. MOHRE has a free wage complaint service (800 60) if employer underpays or delays salary. Your salary must be paid via WPS (bank transfer) within 10 days of the due date.
Local institution: MOHRE — Ministry of Human Resources and Emiratisation (Ministry of Human Resources and Emiratisation)
Time: 30 minutes to compare and buy online · Cost: AED 1,500–5,000/year (comprehensive). Third-party only: AED 600–1,200/year.
Documents needed:
- ✓ UAE driving licence
- ✓ Vehicle registration card (Mulkiya)
- ✓ Emirates ID
Tip: Compare on souqalmal.com or yallacompare.com. Oman Insurance (Sukoon), RSA, AXA Gulf, and Dubai Insurance are major providers. Agency repair adds ~20% to premium but is worth it for new cars. Third-party only is minimum legal requirement — not enough for your own vehicle damage.
Local institution: Insurance Authority UAE licensed insurers (UAE Insurance Authority)
Time: 1–3 hours (inspection + payment) · Cost: AED 270–800/year (registration) + AED 145–250 (inspection). Insurance renewal separate.
Deadline: Renew before expiry date on Mulkiya card
Documents needed:
- ✓ Current Mulkiya (registration card)
- ✓ Valid UAE car insurance certificate
- ✓ Vehicle inspection certificate
- ✓ Payment
Tip: RTA Dubai allows online renewal for vehicles under 3 years old that pass automated inspection. Use the RTA app or website to check eligibility. Clear any traffic fines before renewal — outstanding fines block Mulkiya renewal. Dubai: rta.ae. Abu Dhabi: tamm.abudhabi.ae.
Local institution: RTA (Dubai) / Abu Dhabi Police (Abu Dhabi) (Roads and Transport Authority / Traffic Licensing)
Time: Application: 15–30 minutes. Waiting: 2–8 weeks. · Cost: AED 2,000–5,000/month (full-time). Part-time options available.
Documents needed:
- ✓ Child's birth certificate
- ✓ Passport
- ✓ Emirates ID (if issued)
- ✓ Vaccination records
Tip: Register at multiple nurseries simultaneously. Community Facebook groups for your area (JVC, Marina, Downtown Dubai) share wait list tips. Famously popular nurseries: Jumeirah International Nurseries, Yellow Brick Road, Willow Children's Nursery.
Local institution: KHDA / ACTVET licensed nurseries (Dubai nursery licensing authority)
Time: 10 minutes to verify on MOHRE app or bank statement · Cost: Free
Risk if missed: Employers in violation face fines and suspension of new work permit applications. You may not be aware of violations until you need to transfer jobs.
Documents needed:
- ✓ Bank statement showing salary credit
- ✓ Employment contract
Tip: Download the MOHRE app and check your WPS status. If salary is late more than 15 days, MOHRE freezes the employer's ability to issue new work permits. Report violations via MOHRE 800 60 (free). Free zone employees (DIFC, ADGM, JAFZA etc.) are regulated by their own free zone authority, not MOHRE.
Local institution: MOHRE — Ministry of Human Resources and Emiratisation (Ministry of Human Resources and Emiratisation)
Time: 30 minutes for registration appointment · Cost: In-network co-pay: AED 50–100
Documents needed:
- ✓ Child's passport
- ✓ Child's Emirates ID (once issued)
- ✓ Insurance card
- ✓ Vaccination records from home country
Tip: Recommended hospitals for children: Al Jalila Children's Speciality Hospital (Dubai), Cleveland Clinic Abu Dhabi Paediatrics, Mediclinic. Use Okadoc to find in-network paediatricians. Confirm the clinic accepts your insurance plan before the first appointment.
Local institution: Paediatric clinic (private) (Paediatrician / Child specialist)
Time: Application: 30–60 minutes. Admission process: 2–8 weeks. · Cost: AED 25,000–120,000/year tuition. Registration fee: AED 500–2,000.
Risk if missed: Children must be in school by UAE law from age 5. Waiting lists for good schools mean missing out on preferred school.
Documents needed:
- ✓ Passport (child)
- ✓ Emirates ID (child)
- ✓ Birth certificate (attested)
- ✓ Previous school reports and transcripts
- ✓ Vaccination records
- ✓ Emirates ID and visa (parents)
Tip: Check KHDA school ratings at khda.gov.ae before applying. British curriculum (GEMS, Raffles, Jumeirah) and American curriculum (American School of Dubai) are most popular. Apply to 3–5 schools simultaneously. Many schools have assessment days — prepare children for age-appropriate tests.
Local institution: KHDA — Knowledge and Human Development Authority (Dubai) / ADEK (Abu Dhabi) (Dubai Knowledge Authority / Abu Dhabi Education Knowledge)
Full task details are available in the Premium plan
Become a Supporter Time: 1–5 working days depending on free zone · Cost: AED 1,070/year (MOHRE) to AED 5,750+/year (free zone licences including visa)
Risk if missed: Working without a permit violates residency rules — potential fine, visa cancellation, and deportation.
Documents needed:
- ✓ Passport
- ✓ Emirates ID
- ✓ Passport photo
- ✓ CV / portfolio (some free zones)
- ✓ Payment
Tip: IFZA (International Free Zone Authority) offers some of the cheapest UAE free zone licences from ~AED 5,750/year. Meydan Free Zone and Shams (Sharjah) are also competitive. The free zone licence self-sponsors your visa — ideal for solopreneurs. Premium guide covers activity lists, multi-activity licences, and bank account opening for freelancers.
Local institution: MOHRE / Free Zones (Dubai Creative Clusters, IFZA, Meydan Free Zone) (Ministry of Human Resources / UAE Free Zones)
Full task details are available in the Premium plan
Become a Supporter Time: 1–2 hours for online registration · Cost: Free to register. FTA may charge penalty (5–15% of owed tax) for late registration.
Deadline: Within 30 days of exceeding AED 375,000 taxable supplies
Risk if missed: Fine of AED 10,000 for failure to register. AED 1,000–2,000 per tax period for late filing.
Documents needed:
- ✓ Trade licence or freelance permit
- ✓ Emirates ID
- ✓ Bank account details
- ✓ Financial records showing turnover
Tip: Register at tax.gov.ae. Most freelancers and small businesses will not exceed the mandatory threshold. Corporate tax (9% on profits above AED 375,000) applies from June 2023 — consult a UAE tax adviser if you operate a business.
Local institution: FTA — Federal Tax Authority (Federal Tax Authority)
Time: Direct exchange: 1–2 hours. Full programme: 3–6 months. · Cost: Direct exchange: AED 350–600. Full training: AED 3,000–7,000.
Deadline: Within 90 days of residency or before driving
Risk if missed: Driving on foreign licence as a resident is illegal — fine + black points + vehicle impound.
Documents needed:
- ✓ Emirates ID
- ✓ Original foreign driving licence + official translation (if not in English or Arabic)
- ✓ Eye test (done at RTA-approved centre, ~AED 100)
- ✓ NOC from employer or sponsor
- ✓ Passport
Tip: Direct exchange countries include: UK, USA, Canada, Australia, New Zealand, EU, GCC, Japan, South Korea, South Africa, Singapore, Turkey, and others. Check the RTA list. Bring original licence — a photocopy or international driving permit is not enough for exchange. Eye test costs AED 100–150 at RTA-approved opticians.
Local institution: RTA Dubai / Traffic and Licensing in Abu Dhabi (Abu Dhabi Police) (Roads and Transport Authority (Dubai) / Abu Dhabi Traffic Department)
Full task details are available in the Premium plan
Become a Supporter Time: 30–60 minutes for initial setup · Cost: Free
Documents needed:
- ✓ Trade licence
- ✓ Emirates ID
- ✓ Bank account details
Tip: Register at emaratax.gov.ae. The portal replaced the older FTA e-services portal in 2022. Businesses must file corporate tax returns from June 2024. VAT returns quarterly or monthly depending on turnover.
Local institution: FTA — Federal Tax Authority (Federal Tax Authority EmaraTax Portal)
Time: 15–30 minutes at Emirates Post branch · Cost: AED 300–600/year depending on box size and emirate
Documents needed:
- ✓ Emirates ID
- ✓ Payment
Tip: Many banks, employers, and services now use email and apps instead of mail. Aramex Shop & Ship and Aramex UAE have become popular for receiving international online shopping. Emirates Post has automated collection points (POSTs) in malls. For most expats, a P.O. Box is optional.
Local institution: Emirates Post (Emirates Post Group)
Full task details are available in the Premium plan
Become a Supporter Time: 10–30 minutes for digital banks. 1–2 days for traditional bank accounts. · Cost: Free to open. Minimum balance requirements: AED 3,000–25,000 for some accounts.
Documents needed:
- ✓ Emirates ID
- ✓ Primary current/salary account details
- ✓ Salary certificate (for some banks)
Tip: Wio Bank (Wio Save) and Liv. offer instant-access savings pockets with 2–4% AED interest. FAB iSave pays competitive rates on AED savings. For USD savings: CBD/Emirates NBD USD accounts. Avoid locking large sums in long-term structured products (savings plans with surrender charges). Premium guide covers low-cost UAE investment options and the DEWS savings scheme for DIFC/ADGM employees.
Local institution: FAB / Emirates NBD / Wio / Saxo Bank UAE (UAE commercial and digital banks)
Time: 15–30 minutes online application. Approval: 3–7 days. · Cost: Annual fee: AED 0–1,500 (many entry-level cards are free first year)
Documents needed:
- ✓ Emirates ID
- ✓ Salary certificate or payslip
- ✓ Bank statements (3–6 months)
- ✓ Passport
Tip: Best starter cards: Emirates NBD Titanium (Skywards miles), FAB Islamic card (Shariah-compliant), Mashreq Cashback. Avoid cards with annual fees until you know you'll get value. Pay the full balance each month — UAE credit card interest rates are 36–42% APR. A credit card improves your AECB score faster than a debit card alone.
Local institution: Emirates NBD / FAB / ADCB / Mashreq (UAE commercial banks)
Time: 15–30 minutes · Cost: Prepaid starter: AED 50–100. Monthly postpaid plans: AED 100–350 (calls + data).
Documents needed:
- ✓ Emirates ID (or passport + entry permit for temporary)
- ✓ Payment for SIM
Tip: Get a prepaid SIM immediately on arrival using passport + entry permit. Upgrade to postpaid (better rates) once you have Emirates ID. e& has better coverage in Abu Dhabi and across UAE. du has competitive deals in Dubai and Northern Emirates. Note: VoIP (WhatsApp calls, FaceTime, Skype) is restricted by default in UAE — Botim/C'Me are the licensed alternatives (free with Etisalat/du plans).
Local institution: Etisalat (e&) / du (EITC) (UAE Telecom Operators)
Time: 1–3 working days for installation · Cost: AED 249–449/month for 100–500 Mbps. Packages often bundle TV channels.
Documents needed:
- ✓ Emirates ID
- ✓ Tenancy contract / Ejari
- ✓ DEWA account number
Tip: Many Dubai apartments already have a pre-installed connection from one provider — check with your landlord before signing a contract with the other. e& is generally better in Abu Dhabi, du slightly more flexible in Dubai. Packages often bundle OSN or beIN Sports channels.
Local institution: Etisalat (e&) / du (UAE Telecom Operators)
Time: 1–2 hours to download and register all apps · Cost: Free (most apps)
Tip: Essential apps: Careem (taxi + food delivery), Talabat/Deliveroo (food delivery), Noon/Amazon.ae (shopping), Fetchr (courier), Okadoc (doctor appointments), DHA/MOHAP (health), DEWA (utilities), RTA Dubai (transport), Salik (tolls), UAE PASS (government ID), AMER (government services), Botim/C'Me (VoIP calls). Note: regular WhatsApp voice/video calls use workarounds or are restricted.
Time: 1–2 hours to register with key groups · Cost: Free to AED 500/year for professional memberships
Tip: Key communities: InterNations (internations.org — world's largest expat network, active in Dubai and Abu Dhabi), British Business Group, French Business Council, Australian Business Council, Indian Business and Professional Council. Facebook groups: "Dubai Expats", "Abu Dhabi Ladies/Men Network". LinkedIn UAE groups are particularly active for professional networking.
Time: 10 minutes · Cost: Free
Documents needed:
- ✓ Emirates ID
- ✓ Emirates ID smart chip (must be new-generation ID)
- ✓ UAE phone number
Tip: Download the UAE PASS app (iOS/Android) and register using your Emirates ID smart chip scan. You will need your Emirates ID PIN (set at ICP service centre). Once set up, you can sign government documents digitally without visiting offices. Required for many ICP and GDRFA services.
Local institution: UAE Pass — National Digital Identity (UAE PASS)
Time: 1 hour to read your contract + MOHRE guide · Cost: Free
Tip: Annual leave accrues from day one. If you leave within the first year, you are entitled to leave for months worked. Employers cannot force you to take unpaid leave unless your contract permits. Sick leave requires a medical certificate from a DHA/DOH-licensed clinic. Check mohre.gov.ae for the official UAE public holiday calendar each year — Islamic holidays vary by moon sighting.
Local institution: MOHRE — Ministry of Human Resources and Emiratisation (Ministry of Human Resources)
Full task details are available in the Premium plan
Become a Supporter Time: 4–12 weeks depending on profession and authority · Cost: AED 1,000–10,000 depending on profession and authority
Documents needed:
- ✓ Qualifications and transcripts (attested)
- ✓ Professional experience letters
- ✓ Good conduct certificate (police clearance)
- ✓ Emirates ID and passport
- ✓ Licence fee payment
Tip: Healthcare professionals: register on DHA Sheryan portal (Dubai) or DOH SHERYAN (Abu Dhabi) — start 3–6 months before employment. Engineers: register with the UAE Society of Engineers (uae-se.org). Lawyers: must pass the UQAIB equivalency exam. Teachers: obtain KHDA/ADEK approval — required for employment at licensed schools. Premium guide includes step-by-step guides for each regulated profession.
Local institution: DHA / DOH / UAE Securities and Commodities Authority / KHDA (Sector-specific licensing authorities)
Time: 3–5 weeks processing · Cost: AED 2,000–4,000 per dependant in government fees
Documents needed:
- ✓ Your residence visa and Emirates ID
- ✓ Salary certificate (AED 4,000+ monthly)
- ✓ Tenancy contract showing adequate space
- ✓ Marriage certificate (attested, translated)
- ✓ Birth certificates of children (attested, translated)
- ✓ Passport photos of dependants
Tip: Attestation is the time-consuming part — UAE embassies in your home country provide attestation services. New GDRFA rules allow wives to sponsor husbands if earning enough. Children over 18 (boys) cannot usually be sponsored unless studying. Daughters can be sponsored until marriage. All dependants need medical fitness tests.
Local institution: GDRFA / ICP (General Directorate of Residency / ICP)
Time: 10 minutes to calculate (MOHRE calculator) · Cost: Free — employer is legally obligated to pay
Documents needed:
- ✓ Employment contract (showing basic salary)
- ✓ Start date records
Tip: Use the MOHRE gratuity calculator at mohre.gov.ae. EOSG is paid on termination (by you or employer) — you must have completed at least 1 year. If you resign before 3 years: only 1/3 of gratuity. Before 5 years: 2/3. After 5 years: full gratuity. DIFC/ADGM free zones use the DEWS (Defined Employee Savings) fund instead.
Local institution: MOHRE / Your employer (Ministry of Human Resources)
Time: 15–30 minutes for first registration. Subsequent transfers: 5 minutes. · Cost: Exchange houses: AED 0–15 fee + exchange rate margin. Wise: 0.4–0.7% fee + mid-market rate.
Documents needed:
- ✓ Emirates ID
- ✓ Recipient bank account details
- ✓ Bank account (to fund transfers)
Tip: Wise gives the best exchange rate for most currencies. Al Ansari Exchange is cheapest for South Asian remittances (India, Pakistan, Philippines). Compare rates on exchangerates.ae. Many UAE exchange houses have zero fees on large transfers. Set up standing orders monthly to automate transfers. LuLu Exchange and Al Fardan are good for GCC transfers.
Full task details are available in the Premium plan
Become a Supporter Tip: Avoid high-commission "savings plans" pitched by UAE financial advisers (25-year locked plans with heavy surrender charges). Use fee-only, independent financial advisers (Holborn Assets, Continental Advisory, IBC Wealth for independent advice). ETF portfolios via Saxo Bank UAE, Swissquote, or Interactive Brokers are low-cost. DIFC employees: the DEWS (Defined Employee Savings) scheme is portable and employer-contributed.
Time: 10 minutes online · Cost: AED 84 for standard credit report. AED 104 for credit report + score.
Documents needed:
- ✓ Emirates ID
- ✓ Payment (for credit report)
Tip: Get your free credit report from AECB at aecb.gov.ae. To build credit: get a credit card on your salary account (use it monthly and pay in full), pay utility bills on time, avoid bounced cheques (a criminal offence in UAE — can lead to arrest). AECB score: 300–900 (good = 620+). Most banks require 6–12 months of UAE banking history before approving loans.
Local institution: Al Etihad Credit Bureau (AECB) (Federal Credit Bureau)
Time: 15 minutes to register online or by phone · Cost: In-network co-pay: AED 20–50 (employer insurance)
Documents needed:
- ✓ Emirates ID
- ✓ Insurance card
Tip: Download the Okadoc or Zocdoc UAE app to find and book appointments with in-network GPs. Clinics like Aster Clinic, Prime Medical Centre, Mediclinic, and Saudi German Hospital are popular. Check whether the clinic accepts your specific insurance plan and network tier before visiting.
Local institution: Private clinic or DHA health centre (General Practitioner (GP) / Family Medicine)
Time: 30 minutes to check policy and compare upgrades · Cost: Top-up insurance with dental/optical: AED 1,500–4,000/year. Individual dental: AED 400–700 per check-up.
Documents needed:
- ✓ Current insurance policy documents
- ✓ Emirates ID
Tip: Ask HR if a dental/optical add-on is available for your group insurance plan. Independent top-up plans: Cigna, AXA, Daman Enhanced, Nextcare. Check whether the plan covers UAE-only or worldwide treatment — relevant for home visits. Use Okadoc to find in-network dentists. GEMS and Mediclinic dental are popular. For glasses/contacts, Vision Express UAE has good network coverage.
Time: First appointment: 60–90 minutes. Booking: 1–2 weeks wait. · Cost: Psychologist session: AED 400–700. Psychiatrist: AED 500–900. Check insurance coverage.
Documents needed:
- ✓ Insurance card
- ✓ Emirates ID
- ✓ GP referral (for some insurance plans)
Tip: Many UAE health insurance plans require a GP referral for specialist mental health services. Lighthouse Arabia (lighthousearabia.com) is a well-regarded community mental health resource with sliding scale fees. Crisis line: Umang UAE (800 UMANG / 800 86264) — free, confidential. The UAE has made discussing mental health much more normalised since the 2019 Mental Health Law.
Time: 30 minutes for blood draw. Results: 1–3 days. · Cost: With insurance: co-pay AED 30–100. Private: AED 300–800 for comprehensive panel.
Documents needed:
- ✓ Insurance card
- ✓ Emirates ID
Tip: Book via Okadoc or your insurance app. Aster Labs, Synlab, and German Neuroscience Centre offer comprehensive health checks. Vitamin D deficiency affects 80%+ of UAE residents due to sun avoidance — always include in the panel. Many clinics offer corporate wellness packages AED 200–500 covering the main markers.
Time: 1–2 hours to read key resources · Cost: Free
Tip: Register your tenancy contract on Ejari (Dubai) or Tawtheeq (Abu Dhabi) — this is mandatory and protects both parties. Use the RERA rental increase calculator (dubailand.gov.ae) before accepting any rent increase. Dispute a rent increase above the RERA cap by filing at the RDSC — filing fee is 3.5% of rent (min AED 500, max AED 20,000).
Local institution: RERA — Real Estate Regulatory Agency (Real Estate Regulatory Agency (Dubai))
Full task details are available in the Premium plan
Become a Supporter Time: 2–6 weeks processing · Cost: AED 2,300–5,000 in government fees (varies by category)
Documents needed:
- ✓ Proof of eligibility category (investment proof, award/talent recognition, etc.)
- ✓ Valid passport
- ✓ Emirates ID (if already resident)
- ✓ Medical fitness certificate
- ✓ Good conduct certificate
Tip: Eligibility categories: investors (AED 2M+ property or business), skilled professionals (select occupations with AED 30,000+ salary), entrepreneurs (approved startup), scientists, doctors, engineers. Dubai Economy and Tourism (DET) and Abu Dhabi Investment Office (ADIO) handle many applications. A game-changer for long-term UAE residents who want independence from employer sponsorship.
Local institution: ICP / GDRFA (Federal Identity Authority / General Directorate of Residency)
Full task details are available in the Premium plan
Become a Supporter Time: 4–8 hours with a financial planner · Cost: Financial adviser: AED 2,000–10,000 for a full exit plan
Tip: Key departure checklist: collect EOSG, cancel residence visa (and dependants), close UAE bank accounts or convert to non-resident status, sell or end car registration, cancel utilities, inform MOHRE of employment end. For retirement visa: apply at ICP. For those leaving permanently: give yourself 30 days after visa cancellation for clearances. Premium guide covers offshore investment strategy for UAE expats post-departure.
Full task details are available in the Premium plan
Become a Supporter Documents needed:
- ✓ Emirates ID
- ✓ Medical history
- ✓ Employer income proof
Tip: Many UAE expats use offshore life insurance products (Isle of Man, Cayman, Guernsey) for tax-efficient savings + life cover. Zurich International Life, MetLife, and Friends Provident International are major providers. Avoid high-commission products — get independent fee-based financial advice (IFA).
Time: 15 minutes to compare and buy online · Cost: AED 200–600/year depending on sum insured and cover level
Documents needed:
- ✓ Tenancy contract
- ✓ Emirates ID
- ✓ Contents valuation estimate
Tip: Providers: RSA UAE, Orient Insurance, AXA, Tokio Marine, and Oman Insurance offer home contents plans. Compare at compareit4me.com. Many policies include worldwide personal liability. Check if your employer's relocation policy covers household goods in transit and for the first 30–90 days. Include high-value electronics and jewellery separately (usually a rider).
Tip: Apps: Duolingo Arabic (Modern Standard Arabic, free), Pimsleur (Gulf Arabic spoken dialect, paid). In-person: Berlitz UAE, Arabic Language Centre (Abu Dhabi), community classes. Basic phrases: Marhaba (hello), Shukran (thank you), Min fadlak (please), La shukran (no thank you). Gulf Arabic differs from Modern Standard Arabic.
Full task details are available in the Premium plan
Become a Supporter Time: 1–3 hours to prepare will. Registration appointment: 1–2 hours. · Cost: AED 10,000–15,000 for single will. AED 15,000–20,000 for mirror wills (couple).
Documents needed:
- ✓ Passport
- ✓ Emirates ID
- ✓ Draft will (can use DIFC template or own lawyer)
- ✓ Beneficiary details (passports)
- ✓ Payment
Tip: A UAE will does NOT replace your home country will — you need both. DIFC Wills cover Dubai and UAE mainland assets. ADGM covers Abu Dhabi. You can use a UAE-licensed lawyer to draft the will cheaply then register it yourself at DIFC. Priority for anyone with children, property, or significant savings in UAE.
Local institution: DIFC Wills Service Centre / ADGM (Dubai International Financial Centre Wills Service)
Full task details are available in the Premium plan
Become a Supporter Time: 2–3 hours to read key resources · Cost: Free
Tip: Priority reading: Federal Decree-Law No. 33/2021 (Labour Law), Federal Decree-Law No. 34/2021 (Cybercrime), and UAE Personal Status Law. The British Business Group UAE, HSBC Expat Guide, and u.ae government portal summarise key laws for expats. Get a UAE-qualified legal consultation if you face any employer dispute — the process is different from Western jurisdictions.
Time: 30–60 minutes to lodge complaint online or by phone · Cost: Free
Documents needed:
- ✓ Emirates ID
- ✓ Employment contract
- ✓ Payslips or bank statements showing withheld salary
- ✓ Any written correspondence with employer
Tip: File online at mohre.gov.ae or call 800 60. MOHRE will invite both parties for conciliation within 2 weeks. If unresolved, it is automatically referred to the Labour Court. Free zone employees (DIFC, ADGM, JAFZA) use their own dispute resolution — DIFC Courts or ADGM Courts. Do NOT resign before filing — it can affect your case.
Local institution: MOHRE — Ministry of Human Resources and Emiratisation (Ministry of Human Resources and Emiratisation)
Time: 20 minutes to read rights and register the complaint app · Cost: Free
Tip: Download the "Consumer Protection" app by the Ministry of Economy to report violations. For e-commerce disputes, you can also file via the Dubai Economy & Tourism (DET) app. Keep all receipts and unboxing videos for expensive electronics. Markets like Deira and Meena Bazaar are exempt from some warranty requirements — prefer licensed retailers.
Local institution: Ministry of Economy — Consumer Protection (Consumer Protection Department)
Time: 30 minutes to read key resources · Cost: Free
Tip: Report scams: call 999 (police) or file at cybercrime.gov.ae. For financial scams, contact UAE Central Bank (centralbank.ae). Verify job offers by checking the company on MOE business registry. Never pay for a job visa — employers bear all visa costs by law. For rentals, always verify ownership on DLD's Dubai REST app.
Time: 1 hour to read the key guidance · Cost: Free
Tip: Be careful about: posting negative reviews of UAE government, sharing political commentary about the UAE or regional politics, filming accidents or incidents without consent, sharing photos/videos of people without permission. VPN use is legal only for legitimate business purposes — using VPNs for illegal activities is a separate criminal offence. When in doubt, keep criticism of UAE offline.
Time: Preparation: 2–3 months in advance. Airport clearance: 2–4 hours. · Cost: AED 200–500 for import permit. Airline fees: AED 300–1,200 depending on size.
Documents needed:
- ✓ ISO microchip certificate (15-digit)
- ✓ Rabies vaccination certificate (30+ days old, valid 1 year)
- ✓ Health certificate issued by official vet within 10 days of travel
- ✓ MOCCAE import permit (applied for in advance)
- ✓ Airline pet booking confirmation
Tip: Apply for MOCCAE permit at moccae.gov.ae at least 6 weeks before travel. Emirates and flydubai allow pets in cabin (small cats/dogs under 8kg including carrier) — other airlines require cargo hold. Rottweilers, Pit Bulls, and other aggressive breeds are banned. Summer travel is stressful for pets — consider travelling in winter.
Local institution: MOCCAE — Ministry of Climate Change and Environment (Ministry of Climate Change and Environment)
Time: 15–30 minutes online · Cost: Free
Documents needed:
- ✓ Passport
- ✓ UAE address
- ✓ Contact details
Tip: UK: Register on GOV.UK FCDO. USA: STEP Program (step.state.gov). Australia: smartraveller.gov.au. India: passport.gov.in Overseas Citizen registration. This is crucial given the UAE's strict laws — having embassy contact can be lifesaving.
Full task details are available in the Premium plan
Become a Supporter Time: 2–4 hours research + consultation with tax adviser · Cost: UAE has no personal tax. Home country tax advice: AED 1,500–5,000 for consultation.
Tip: UK: Submit P85 form to HMRC and apply the Statutory Residence Test — typically requires spending fewer than 16 days in the UK per year (automatic non-residence). USA: FEIE (Foreign Earned Income Exclusion) excludes ~$120,000/year but filing is still mandatory. Canada: sever ties (close accounts, sell property, surrender health cards) before claiming non-residence. Get specialist expat tax advice — the UAE's double tax treaty network covers 130+ countries.
Time: 15 minutes each · Cost: Nol card: AED 6 + credit loaded. Salik tag: AED 50 + AED 50 credit.
Documents needed:
- ✓ Emirates ID (for Nol registration)
- ✓ Vehicle registration (for Salik tag)
- ✓ Payment method
Tip: Purchase Nol card at any metro station. Register it online for balance protection if lost. Apply for Salik tag at petrol stations or online at salik.ae — it is mailed to you. Top up both via their apps. Without a Salik tag, your car will be fined if captured by toll cameras.
Local institution: RTA — Roads and Transport Authority (Roads and Transport Authority Dubai)
Time: 2–4 hours (insurance + inspection + registration) · Cost: Insurance: AED 2,000–6,000/year. Registration: AED 270–800/year. Inspection: AED 145–250.
Documents needed:
- ✓ Emirates ID
- ✓ UAE driving licence
- ✓ Comprehensive or third-party car insurance policy
- ✓ Original vehicle purchase papers
- ✓ Technical inspection certificate (Tasjeel/Wasel/Emirates Vehicle Gate)
Tip: Buy car insurance first — most insurers quote online. Oman Insurance, RSA, AXA Gulf, and Dubai Insurance are major providers. Annual registration renewal can be done online. Vehicles fail inspection for tyres, lights, and emissions — fix before taking.
Local institution: RTA (Dubai) / Abu Dhabi Police (Abu Dhabi) / Sharjah Police (Traffic and Vehicle Licensing Authority)
Time: 10 minutes to check online · Cost: Fine amounts: AED 200–50,000 depending on offence
Documents needed:
- ✓ Emirates ID
- ✓ Vehicle plate number (for vehicle fines)
Tip: Check Dubai fines: rta.ae or Dubai Police app. Abu Dhabi: adpolice.gov.ae or TAMM. National portal: moi.gov.ae. Black points reset after 1 year if no new violations. Salik (toll) recharging must be done in advance — running out of credit is not a fine but blocks RTA services. Some fines allow 50% discount if paid within 60 days (Abu Dhabi).
Local institution: RTA (Dubai) / Abu Dhabi Police / MOI (Roads and Transport Authority / Ministry of Interior)
Tip: Open a high-interest savings account (FAB iSave, Liv. Savings, Wio savings pocket). UAE savings accounts offer 1–4% interest. Redundancy protection: DIFC/ADGM employees have the DEWS savings system (portable). For mainland employees: EOSG is paid on leaving but only after 1 year. Job Loss Insurance is available from some UAE insurers — worth considering.