A Banking Power of Attorney (tawkeel masrafi) in Dubai authorizes a trusted person to operate your UAE bank accounts on your behalf. UAE banks — Emirates NBD, ADCB, FAB, Mashreq, and others — have among the strictest POA requirements globally. A generic POA will be rejected. The Banking POA must be specifically tailored to each bank's compliance requirements.
What a Banking POA CAN authorize:
- Withdraw cash from specific accounts
- Make wire transfers (to specified recipients or open)
- Deposit cheques and cash
- Sign company cheques (if specifically authorized)
- Access safe deposit boxes (if specified in the POA)
What CANNOT be delegated (in person only):
- Opening new bank accounts
- Applying for loans, overdrafts, or credit cards
- Changing account ownership or authorized signatories
- Closing bank accounts
Common reasons UAE banks reject Banking POAs
(1) POA is too general — does not name the specific bank and account number. (2) POA is older than 3–6 months — banks require a recent document. (3) POA language not accepted — banks require Arabic or a certified translation. (4) Agent's ID is expired. (5) POA notarized outside UAE without proper MOFA attestation. (6) POA does not specify which operations the agent can perform.
Banking POA — Documents Required
- Emirates ID (original + copy) of the account holder
- Valid passport of both account holder and agent
- Bank account number and bank name (to be specified in the POA)
- Agent must be at least 21 years old
Frequently Asked Questions
All major UAE banks accept notarized Bank POAs — Emirates NBD, ADCB, FAB, Mashreq, ENBD, DIB, and others. Each bank has specific format requirements. We tailor the POA to your specific bank's format to ensure first-time acceptance.
A Bank POA can authorize: depositing and withdrawing funds, making local and international transfers, applying for loans or credit products, managing fixed deposits and investments, collecting statements and correspondence, and changing KYC details. The scope is defined in the POA — we recommend limiting to exactly what is needed.
For UAE residents using the POA locally, Dubai Courts notarization is sufficient. MOFA attestation is only required if the POA was signed at a UAE embassy abroad, or if the bank specifically requests it. We confirm the exact requirements with your bank before proceeding.
Same-Day Service
Contact before 2 PM for same-day processing.