Expat Guide: Living in the UAE 2026

The United Arab Emirates offers one of the world's most attractive expat packages: zero income tax, world-class infrastructure, multicultural society and a strategic location between East and West. Dubai and Abu Dhabi attract professionals, entrepreneurs and retirees with multiple residency pathways introduced in recent years.

Last updated: March 2026 — Editorial Team, eVisa-Card.com

UAE at a Glance

Capital
Abu Dhabi
Currency
UAE Dirham (AED)
Language
Arabic / English
Income Tax
0%

Visa & Residency Options

Key options: UAE Golden Visa (10-year renewable, for investors/professionals/outstanding talents); Green Visa (5-year self-sponsored for skilled workers and freelancers); Remote Work Visa (1 year, for employed abroad); Employment Visa (employer-sponsored). Most expats come on employer-sponsored visas; Golden and Green Visas offer self-sponsorship.

→ Full UAE Visa Requirements Guide

Step-by-Step: How to Move to the UAE

1

Find employment or apply for Golden/Green Visa

Most expats arrive via employer sponsorship. For Golden Visa: investment ≥ AED 2M real estate, or proof of exceptional talent. Green Visa: salary ≥ AED 15,000/month or freelance income proof.

2

Get your Entry Visa and Emirates ID

Your employer or visa service issues an entry permit. Upon arrival, undergo a medical test and apply for Emirates ID at GDRFA/ICP.

3

Open a UAE bank account

Open with Emirates NBD, ADCB, FAB, or HSBC UAE. Required: passport, Emirates ID (or application receipt), residence visa. Online: Wio Bank, Liv Bank.

4

Get UAE driving licence

Exchange your home licence (most Western countries: direct exchange). Others need UAE driving test. Applies within 3-6 months of residency.

5

Get health insurance

Health insurance is mandatory in Dubai and Abu Dhabi. Employer usually provides. Self-employed: AXA, Daman, Cigna. Budget AED 1,500-AED 5,000/year.

6

Register your tenancy (Ejari)

Register your rental contract online via Dubai Land Department (Ejari system) or ADREC in Abu Dhabi. Required for utilities and government services.

7

Tax registration (if applicable)

UAE has 0% personal income tax. Register for VAT if annual turnover > AED 375,000. Corporate tax (9%) applies to businesses from 2023.

🏠 Housing

Dubai Marina 1-bed: AED 80,000-120,000/year. Downtown Dubai: AED 100,000-160,000/year. Sharjah 1-bed: AED 30,000-55,000/year. Abu Dhabi 1-bed: AED 60,000-100,000/year. Paid annually or in 4-12 post-dated cheques.

🏦 Banking

Emirates NBD, ADCB, FAB, Mashreq. Open with Emirates ID + passport. Salary accounts opened by employer. Wise for international transfers. Western Union popular for remittances.

🏥 Healthcare

Mandatory health insurance (employer-provided or self-funded). World-class private hospitals: Cleveland Clinic Abu Dhabi, Dubai Healthcare City. Costs high but insurance covers most.

💰 Cost of Living

Dubai (comfortable): AED 12,000-25,000/month ($3,300-$6,800). Abu Dhabi: AED 10,000-22,000/month. Sharjah (commuting to Dubai): AED 8,000-15,000/month. Zero tax makes net income very attractive.

Frequently Asked Questions

❓ Is there income tax in the UAE?

No personal income tax. 0% on salaries, freelance income, dividends, and capital gains. Corporate tax of 9% applies to business profits above AED 375,000 from 2023.

❓ What is the UAE Golden Visa?

A 10-year renewable residency visa for: investors (AED 2M+ in UAE property or business), outstanding professionals/academics, PhD holders, elite athletes, and outstanding students. Self-sponsored, no employer required.

❓ Can family members join?

Yes. UAE residents can sponsor spouses, children (under 18, or up to 25 if studying), and parents. Golden Visa holders can sponsor unlimited dependents.

❓ Can foreigners own property in UAE?

Yes, in designated freehold areas (Dubai Marina, Downtown, Palm Jumeirah, etc.). Full freehold ownership with no expiry.

❓ Is UAE safe?

Extremely safe — one of the world's safest countries. Very low crime, strict law enforcement, stable political environment.