Golden Visa for Fixed Deposit UAE Investment Guide

Just imagine living in a country where you don’t pay taxes and can stay as long as you like just by making a clever money deposit. The UAE Golden Visa allows for that! 

For AED 2 million deposited in a bank in the UAE, you can avail of a special 10-year residency permit. With this visa, you and your family can easily live, work, or study in the UAE.

Our business setup consultants in Dubai with 12+ years of experience have helped more than a thousand clients like you. The Golden Visa, they understand the rules and process well. They direct you step by step, so your application process runs smoothly with no stress.

In this article, you will find easy steps and interesting information about the Golden Visa through fixed deposits in 2025. You’ll find out who can apply, what documents are required, the benefits of the UAE Golden Visa through Bank Deposit, as well as how to apply without any hassle. Down the road, you will be shown how to get your UAE long-term Residency safely and expediently, covering every aspect of business setup in Dubai.

What is the Golden Visa UAE by Fixed Deposit?

The Golden Visa UAE Fixed Deposit gives you a 10-year residence visa and work permit for the opportunity to live and work in the UAE by investing AED 2 Million in a local bank. This money remains in the account for at least two years, offering a safe and low-interest investment. In doing so, you and your family will have the opportunity to live, work, and study in one of the most secure tax-free haven countries. It is an easy way to have long-term residency without having to provide a local sponsor.

What is the UAE Golden Visa with Fixed Deposit Eligibility Criteria

• Age Limit: To apply for the Golden Visa, you need to be 18 or older at the time of application.
• Minimum deposit amount: A minimum fixed deposit of AED 2 million in a UAE Central Bank-approved bank.
• Deposit Lock Period: Your AED 2 million must remain in the fixed deposit for a minimum of 2 years – no withdrawal, no reduction.
• Source of Funds: You declare that the money you purchase or have purchased is not derived from any illegal activities and, to the best of your knowledge, will not be used in any way for, or in connection with, any such activity.
• Deposit Certificate: You need to obtain a certificate from the bank reflecting the AED 2M fixed deposit (advisable in a joint account) and lock-in period.

What are the Golden Visa Dubai Fixed Deposit Requirement of Documents

• Valid Passport: You must have a valid passport for at least the next 6 months.
• Emirates ID: Required if you are already living in the UAE.
• Bank Fixed Deposit Certificate: A letter from the bank showing that you deposited AED 2 million as a fixed deposit. And indicates the withdrawal period (typically 2 years).
• Proof of Financial Means: Bank statements or income documents that show you have sufficient funds.
• Certificate of Medical Fitness: A health certificate from an official health centre in the UAE. It is to ensure that you are okay medically.
• Health Insurance: Evidence of valid health insurance covering your period of stay in the UAE.
• Police Clearance: The proof of your lack of convictions and other criminal affairs.
• Golden Visa Application Form: It can be completed and submitted online through the official UAE portals such as ICP or GDRFA.
• Other Supporting Documents: Such as passport-sized photos and any paperwork required for the investment visa UAE 2025.

Steps to Apply for the UAE Golden Visa with Fixed Deposit 

Step 1: Check Your Eligibility 

Make sure you meet the rules: you must be 18 or older and have at least AED 2 million to put in a fixed deposit account in a UAE bank.

Step 2: Open a Fixed Deposit Account 

Go to a government-approved bank in the UAE and open a fixed deposit account. Deposit AED 2 million or more. Ask the bank to give you a certificate proving your deposit and how long it will stay locked.

Step 3: Gather Your Documents

Prepare the important papers required for the Golden Visa application form.

Step 4: Apply Online

Log on to official UAE government portals such as ICP UAE or GDRFA Dubai and apply for the Golden Visa. You can also seek assistance from Dubai business setup professionals with this to ease and hasten the process.

Step 5: Full Medical Test

Get a full medical examination at an approved clinic in the UAE and show that you’re healthy.

Step 6: Give Biometrics

To give your prints and photo to receive your Emirates ID card, visit the biometric centre.

Step 7: Wait for Approval

The government will review your application and documents. This usually takes 2-3 months.

Step 8: Get Your Visa

After approval, you will receive your Emirates ID and the 10-year Golden Visa via Savings, which enables you and your family to live in the UAE, work, and study there.

What are the Advantages of a Golden Visa for Fixed Deposit UAE

The Golden Visa Fixed Deposit UAE is not a mere residential visa. It provides money security, peace, and freedom for you and your family.

• Long-term UAE Residency through Fixed Deposit

You’ll receive a 10-year visa, and it’s easy to renew. You have the peace of mind for your work and investment without having to worry about 1-month stays or renewing visas every year.

• Family Sponsorship

Your spouse, children, and even maids can join you in the UAE. The entire family gets to benefit.

• Travel Freedom

No, you don’t need to live in the UAE 24/7. You maintain your residency even if you leave for months at a time. Good news for investors and travelers.

• Tax-Free Income

The UAE does not charge taxes on personal or business income. You keep all the money you earn, making the UAE a favorite place for investors.

• Safe Investment

Your money in fixed deposits is safe in UAE banks and earns guaranteed returns. If you’re looking to protect your money, it’s safer than buying property or stocks.

• No Local Sponsor Required

You don’t need a local partner or sponsor to apply, so you are free to live and work in the UAE.

• Loan Facility Available

A few banks allow you to take loans against your fixed deposit. This allows you to seek businesses or other investments without investing the fixed deposit money.

• World-Class Services and Lifestyle

Living in the UAE means access to top hospitals, schools, and great shopping malls, giving you a comfortable life.

• Safe and Secure Environment

The UAE offers a safe and secure environment. You and your family will enjoy a peaceful and organized place to live.

Why the Fixed Deposit Golden Visa is Beneficial 

• You must deposit AED 2 million in a UAE-licensed bank and keep it fixed for at least 2 years to qualify for the 10-year Golden Visa UAE through Investment.
• The deposit is safe with guaranteed interest rates—for example, some UAE banks offer between 3% to 4% yearly returns on fixed deposits.
• Unlike real estate or stocks, the deposit is low risk and does not lose value due to market swings.
• The visa gives you long-term UAE residency through a fixed deposit without needing a local sponsor, allowing full work and living freedom.
• The UAE has introduced a zero percent tax policy, meaning you keep every dollar you make.
• If you are out of Dubai for a couple of months, you will still keep your visa.
• Your family, spouse, and dependents are eligible to be sponsored by your visa; no age limit applies.
• You can take a loan against your fixed deposit, so you do not lose access to your funds.
• Life is easy and safe in the UAE with great facilities for healthcare, education, and police and fire protection.

Are there any Investment & Career Opportunities with the Golden Visa UAE through Investment

Having a Golden Visa UAE through Investment opens up a world of opportunities to develop your business and career.

• Property Investments:

You can buy, sell, and manage real estate, be it residential, commercial, or mid-rise buildings, in dubai and the other emirates of the UAE. With owning freehold property, no local partner is required, which means you have complete autonomy. This is a strategy taken by numerous investors in the region to get facilities to build wealth.

• Business Expansion:

This is a remarkable benefit of a long term investment visa Dubai. You can set up new ventures or franchise existing businesses without local sponsorship. The business autonomy means you get to make every business-related related without outside influence.

• Job Mobility:

This UAE Golden Visa through Bank Deposit lets you work for different employers and handle more than one job at the same time. It suits people who want freedom in their work and money, especially if they are into investing.

What is the Process of Renewal & Stability of the Golden Visa Fixed Deposit 

The Golden Visa via Savings lets you live, work, and invest in the UAE for 10 years.

• Renewal Timeline:

Start renewing your visa 6 to 12 months before it expires. This gives you plenty of time and stops you from losing your visa.

• Family Visa Renewal:

Renew your family’s visas at the same time you renew yours. This keeps everyone’s visa status clear and avoids problems.

• Keep Eligibility Records:

Stay organized with your copies of bank deposit slips, health insurance, and other relevant papers to have at the ready. This makes renewals quicker and easier.

Showing good records and planning can keep you in your investment and host country for many more years.

Why Getting Help from the Experts of Golden Visa Services in Dubai?

Obtaining the UAE Golden Visa through Bank Deposit can be complicated with many rules and regulations. Business Setup Experts in Dubai can make it easier, smart, and quicker for you.

• Eligibility Review: They check if you meet all the visa rules before you apply, saving time and effort.
• Document Management: They collect and arrange your papers, fixing any missing parts to make sure your application is strong.
• Application Submission: They apply for you the right way, reducing mistakes and speeding up approval.
• Medical & ID Help: They guide you for medical tests and Emirates ID steps from start to finish.
• Family Sponsorship: They help you bring your family by handling all the paperwork and steps quickly and correctly.

With their help, your Golden Visa application is smooth and more likely to get approved fast.

FAQs

Q1: What is the minimum Fixed Deposit Amount required to be Eligible for the Golden Visa in UAE?

To be eligible for the Golden Visa, you must deposit at least AED 2 million in a fixed deposit account with any bank operating in the UAE and licensed by the Central Bank of the UAE.

Q2: What is the tenure of the fixed deposit in the bank for the Golden Visa UAE?

The fixed deposit has to remain for at least 2 years, in order not to lose eligibility for a visa.

Q3: Can I bring my family with this UAE Golden Visa through Bank Deposit?

Yes, with the Golden Visa for Fixed Deposit UAE, you can sponsor your spouse, children, and parents of all ages to live with you in the UAE.

Q4: Is a local sponsor or partner required for the investment visa UAE 2025?

No, the Golden Visa through fixed deposit does not need a local sponsor or partner: you can apply on your own.

Q5: Can I travel out of the UAE with this UAE investor visa through bank deposit?

Yes, you still maintain your residency even if you leave the country or are outside of the UAE for months – a fantastic travel freedom!

Conclusion: Why Opt for a Golden Visa for Fixed Deposit UAE?

The Golden Visa for Fixed Deposit UAE is the ideal solution for investors looking for a secure investment and a long-term stay in the UAE. It puts your money to work for you but also guards it, allowing you to live and work (or travel) freely. You don’t need a local sponsor, and you can go there with all your family. And you get to save all your income because the UAE has no tax on income. 

Thanks to a great lifestyle, safety, and easy visa blanket renewal, this Golden Visa will enable you to invest in your future with peace of mind. If you need a secured, free, and bright future for your life in the UAE, this is the golden chance!