The 60-second version
UAE bank exit needs zero balance letter, gratuity/EOS wire, depot closure first, and AED SWIFT to NRE before India tax residency.
Close brokerage depot before bank — gratuity may credit same AED account
Emirates NBD / ADCB hold salary, gratuity, and linked brokerage accounts — sequence depot zero before bank closure request.
Final AED SWIFT to NRE should include gratuity, unused leave, and savings — retain employer EOS letter for FEMA.
Brokerage lane: UAE brokerage guide and investment account guide.
UAE bank wind-down
| Account | Currency | Step |
|---|---|---|
| Salary | AED | Final payroll |
| Gratuity | AED | EOS letter |
| Brokerage link | AED | Depot zero first |
| NRE | INR/AED | SWIFT receipt |
Closure
Depot zero
Close brokerage first.
EOS credit
Wait for gratuity.
AED wire
SWIFT to NRE.
Closure letter
Zero balance cert.
Schedule FA
Last FY account.
Flow
UAE bank kit
- EOS letter.
- Account stmt.
- Closure letter.
- SWIFT.
- Emirates ID cancel.
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Gratuity timing
Employer may take 30–60 days for EOS — do not close bank until gratuity credits or alternate account is confirmed.
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FBAR?
US person — FinCEN 114 if aggregate > USD 10K.
Brokerage first?
Close DFM/ADX depot before bank if linked custody.
Gratuity tax?
India tax on foreign gratuity depends on residency timing — see UAE tax guide.
Schedule FA?
Declare in last FY you held foreign account.
Joint account?
Both holders sign closure.
Investment account?
Separate Sarwa/DFM account — see investment account guide.
Your NRE account redesignation has a deadline.
Banks don't remind you. You need the right account stack before salary, rent, and EMIs start moving. Get the exact sequence.