Bank profile · Digital Islamic bank · 2026
Zand Bank: UAE Bank Profile (2026)
Updated September 2026 · CBUAE register verified methodology
Zand is the UAE's first digital Islamic bank, launched in 2022 with a full banking licence.
- Type
- Digital Islamic bank
- Headquarters
- Dubai
- Founded
- 2022
- SWIFT/BIC
- —
Overview
About Zand Bank
Zand provides Sharia-compliant personal and business accounts, cards and financing entirely through its app.
It targets customers who want Islamic finance with a modern digital experience.
Zand Bank is a good fit if you need:
- ✓ Digital Islamic accounts
- ✓ App-based Sharia-compliant banking
Products
What Zand Bank offers
- Personal financing
- Credit cards
- Home finance
- Car finance
- Current accounts
- Savings accounts
- Investment deposits
- Business & SME banking
- Private banking & wealth
- International transfers
Product line-ups change; confirm the current offer on the bank's website before applying. We deliberately don't publish rates and fees here — they change too often to be evergreen.
Process
How to open an account
-
Download the app and register with your Emirates ID
-
Confirm your identity with a selfie
-
The account is typically opened the same day or within 1–2 business days after KYC
Document pack
- Emirates ID (UAE residency is required)
- Selfie and short in-app form
- Proof of income — for credit products only
No branch visits; support is in-app. Requirements can change — check the current terms in the app.
Key facts
Zand Bank — key facts
| Type | Digital Islamic bank |
|---|---|
| Headquarters | Dubai |
| Founded | 2022 — the UAE's first digital Islamic bank |
| Ownership | — |
| SWIFT/BIC | — |
| Website | zand.ae |
Location
Where to find Zand Bank
Head office: Dubai, UAE
Branch networks and visitor access change — confirm the address and opening hours on the bank's website before you go. The map searches the bank's head office by name; verify the pin before travelling.
FAQ
Zand Bank — FAQ
What kind of bank is Zand Bank?
Zand Bank is a digital islamic bank in the UAE. Founded in 2022 (the UAE's first digital Islamic bank); headquartered in Dubai.
What products does Zand Bank offer in the UAE?
Zand Bank's product line-up in the UAE includes Personal financing, Credit cards, Home finance, Car finance, Current accounts, Savings accounts, Investment deposits, Business & SME banking, Private banking & wealth and International transfers.
How do I open an account with Zand Bank?
As a digital islamic bank, Zand Bank opens accounts this way: Download the app and register with your Emirates ID → Confirm your identity with a selfie → The account is typically opened the same day or within 1–2 business days after KYC. The basic document pack: Emirates ID (UAE residency is required), Selfie and short in-app form, Proof of income. No branch visits; support is in-app. Requirements can change — check the current terms in the app.
Is Zand Bank an Islamic bank?
Yes. Zand Bank operates under Islamic banking principles: instead of interest, it uses Murabaha, Ijara and Tawarruq contracts, and products are approved by the bank's Sharia Supervisory Board.
Choosing between banks?
We match your profile (residency, salary structure, business) to the banks that actually approve it — and prepare the KYC pack to the bank's standard.