Dedicated IBAN accounts for UAE companies

3S Money issues named IBANs in your company name — its core product. Ebury and Multipass offer named account structures for corporate clients. Wise provides local account details that are effectively dedicated to your business, though the IBAN sits on pooled infrastructure. Pooled details fail some marketplace and client compliance checks — that is the real differentiator.

Catalogue updated 2026-10-13

Raqma's pick

3S Money International Business Account 3S Money

Stated approval from 10 days
Accepts free-zone licences
Fully remote onboarding
Multi-currency: 65+ currencies

The top catalogue-ranked product in this list — reasons cite the published fields below, not a paid placement. Methodology

Products to compare

5 products

Products are shown in catalogue order, not as a personalised recommendation. Compare the details and confirm current terms with the provider. Methodology

3S Money

3S Money International Business Account

EMI multi-currency account with local IBANs in 65+ currencies and a dedicated relationship manager — DFSA-regulated DIFC branch, plus FCA (UK) and CSSF (Luxembourg). Onboards industries traditional banks often decline.

Multi-currency: 65+ currenciesFully digital onboarding

Currencies: 65+ currencies
Monthly fee: —
Onboarding: ~10 days
Free zone: Yes

DFSA — licensed Reviewed 2026-10-15

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No public rate card — fees quoted per client. 65+ currencies incl. AED, USD, GBP, EUR; SWIFT/SEPA to 190+ countries. 3S Money Club Limited (DIFC Branch) DFSA ref F007004; FCA registration 900918. Per 3s.money, verified Oct 2026.

Ebury

Ebury Business Account

Currency accounts in 130+ currencies with a dedicated FX dealer — hedging, risk management and trade finance for importers and exporters.

Multi-currency: 140+ currenciesFully digital onboardingTrade finance

Currencies: 140+ currencies
Monthly fee: —
Onboarding: 3–7 days
Free zone: Yes

Reviewed 2026-10-15

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No public rate card — FX margins and account fees are agreed per client. UK EMI authorised; Dubai office.

MultiPass

MultiPass Multi-Currency Account

Dedicated IBAN with 70+ currencies including AED, local accounts in the UK, EU and US, plus a personal account manager — DFSA-licensed DIFC entity, UK EMI under FCA.

Multi-currency: 70+ currenciesFully digital onboarding

Currencies: 70+ currencies
Monthly fee: —
Onboarding: Sales-led
Free zone: Yes

DFSA — licensed Reviewed 2026-10-23

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Account opening from £500; monthly maintenance from £100; minimum balance ~3× monthly fee. SEPA/SWIFT/ACH/Fedwire supported; UAE among supported countries. Per multipass.co/pricing, verified Oct 2026.

Wise

Wise Business

Hold and convert 40+ currencies at mid-market rates, get local account details for major currencies and pay suppliers abroad — now licensed by the UAE Central Bank.

Multi-currency: 40+ currenciesFully digital onboarding

Currencies: 40+ currencies
Monthly fee: AED 0
Onboarding: 1–3 days
Free zone: Yes

UAE Central Bank — licensed Reviewed 2026-10-15

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Free to open; per-transfer fee and FX margin quoted before each transfer and vary by currency pair. CBUAE SVF + Retail Payment Services licences (2025).

Hubpay

Hubpay Business Account

ADGM-regulated multi-currency account for UAE companies: named AED IBAN on Starter or IBANs in 30+ currencies on Scale, 150+ FX pairs, virtual IBANs and payment links. Zero minimum balance; activation about one business day.

Multi-currency: 30+ IBANs, 150+ pairsFully digital onboarding

Currencies: 30+ IBANs, 150+ pairs
Monthly fee: AED 99
Onboarding: ~1 day
Free zone: Yes

FSRA (ADGM) — licensed Reviewed 2026-10-15

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Starter AED 99/mo (local transfer AED 5, international AED 26); Scale AED 299/mo (30+ currency IBANs, free local, international AED 52.50–65). One-business-day opening after documents; free-zone and offshore structures accepted subject to KYC. Per hubpay.io/pricing, verified Oct 2026.

Side-by-side

Side-by-side — 5products — Currencies, Monthly fee, Onboarding, Free zone
Product	Currencies	Monthly fee	Onboarding	Free zone
3S Money International Business Account	65+ currencies	Not published	~10 days	Yes
Ebury Business Account	140+ currencies	Not published	3–7 days	Yes
MultiPass Multi-Currency Account	70+ currencies	Not published	Sales-led	Yes
Wise Business	40+ currencies	AED 0	1–3 days	Yes
Hubpay Business Account	30+ IBANs, 150+ pairs	AED 99	~1 day	Yes

How to choose a Multi-currency & FX by your situation

startups watching fixed cost: compare monthly fee and minimum balance first — lowest published monthly cost: Wise Business.
a free-zone company: All products here onboard free-zone entities — compare on fees next.
founders outside the UAE: All products onboard remotely — no branch visit needed.
anyone needing it live soon: fastest stated approval: Hubpay Business Account — still subject to compliance review.
import-export and multi-currency flows: widest published currency coverage: Ebury Business Account.

Fact sources: 3s.money · ebury.com · multipass.co · multipass.co · wise.com · wise.com · hubpay.io

Frequently asked questions

How to choose a Multi-currency & FX service for your situation?

For startups watching fixed cost: compare monthly fee and minimum balance first — lowest published monthly cost: Wise Business. For a free-zone company: All products here onboard free-zone entities — compare on fees next. For founders outside the UAE: All products onboard remotely — no branch visit needed. For anyone needing it live soon: fastest stated approval: Hubpay Business Account — still subject to compliance review. For import-export and multi-currency flows: widest published currency coverage: Ebury Business Account.

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