Complete Guide to Moving & Settling Down in Dubai as an Expat

Dubai has established itself as one of the world's leading cosmopolitan cities, particularly popular among expatriates. According to a report, the city's population has reached approximately 3.93 million as of May 2025 with expatriates dominating the demographic landscape, comprising a whopping 92% of the total population, while Emiratis make up just 8%. 

This significant proportion of expatriates highlights Dubai’s global appeal and its role as a major business hub in the Middle East. Dubai’s growth trajectory remains robust, supported by its economic opportunities, strategic location, and modern infrastructure. 

Despite the advantages, expats should be mindful of the city's cultural expectations, including regulations on alcohol, dress codes, and public conduct, to ensure a smooth transition into Dubai’s unique social fabric. 

Thinking of making Dubai your new home? Keep reading to discover everything you need to know about moving and settling down as an expat.

Quick facts about Dubai

Why expats choose Dubai

Dubai’s magnetic appeal to expatriates goes beyond its iconic skyline. Here’s why it’s a top choice for professionals worldwide:

• Keep what you earn: With no personal income tax, expats take home 100% of their salary – a rare financial advantage compared to other global cities.
• Booming job opportunities: High demand in finance, tech, healthcare, and real estate means plenty of career prospects for skilled professionals.
• Modern and efficient lifestyle: From state-of-the-art transport to top-notch healthcare, Dubai’s infrastructure supports a high standard of living.
• One of the safest cities worldwide: Low crime rates and well-organized public safety make it an ideal place for families and individuals alike.
• Global melting pot: With over 92% of residents being expats, you’ll find a diverse, multicultural community that feels welcoming.
• Unparalleled luxury: Whether it’s beach resorts, gourmet dining, or premium shopping, Dubai’s leisure options are world-class.
• Easy banking for expats: Opening a bank account is straightforward and quick. Expats can set up accounts within a few working days by providing proof of ID, residence status, Emirates ID, and proof of salary.

Challenges of living in Dubai

While Dubai’s allure is undeniable, there are some challenges that expats should consider before making the move:

• High cost of living: Dubai ranks as the 15th most expensive city in the world according to Mercer’s 2024 cost-of-living index, having moved up three positions from the previous year.
• Rising rental prices: With an influx of expats and continued urban growth, rental costs have surged. In 2024, apartment rents rose by 16%, while villa and townhouse rents increased by 13%.
• Strict cultural norms: Dubai’s conservative cultural landscape might be a challenge for some. Public displays of affection are frowned upon, dress codes require modest attire, and strict adherence to local customs is expected, particularly during Ramadan.
• Extreme summer heat: Summers in Dubai can be overwhelming, with temperatures soaring between 35-40°C and high humidity levels making it feel even hotter. Most residents spend significant time indoors, relying on air conditioning for comfort.
• Private healthcare required: Expats are legally required to have private health insurance. While employers often provide basic coverage for employees, it usually doesn’t extend to dependents such as spouses, children, or parents, requiring additional policies.
• Internet and communication restrictions: Due to local regulations, popular VoIP services like Skype and WhatsApp are blocked. Expats have to rely on approved alternatives like Zoom, Google Meet, or Botim for video calls.
• No permanent citizenship: Unlike some countries, Dubai does not offer permanent citizenship to expatriates. Residency is typically linked to employment, making it challenging if you lose your job or shut down your business. Recent amendments have made nationality possible under special conditions, but it remains rare.

Who can move to Dubai?

Dubai is known for its inclusive approach to attracting global talent, making it an appealing destination for professionals, entrepreneurs, investors, and students from around the world. Here’s a breakdown of who can move to Dubai:

• Skilled professionals: Individuals with job offers from Dubai-based companies can secure an employment visa, making this the most common pathway for expats.
• Investors and entrepreneurs: Those who invest in real estate or establish businesses in Dubai are eligible for residency through investor or entrepreneur visas.
• Retirees: Individuals meeting specific financial criteria can apply for retirement visas, allowing them to enjoy Dubai’s high quality of life.
• Students: Enrolment in a recognized Dubai educational institution qualifies students for student visas, typically valid for the duration of their studies.
• Exceptional talents: Individuals with specialized skills in fields such as science, technology, or the arts may receive long-term visas under special talent programs.
• Family members: Dependents (spouse, children, or parents) can be sponsored by resident expatriates, provided the sponsor meets income and accommodation requirements.

Nationality requirements

Dubai does not restrict residency based on nationality, race, or ethnicity. Any foreign national can apply for residency if they meet the visa requirements. The most common paths include:

• Employment sponsorship
• Business or investment sponsorship
• Family sponsorship
• Self-sponsorship through property purchase or retirement options

Visa and Residency Options

Moving to Dubai requires understanding the different visa types and entry permits available. Here’s a comprehensive breakdown of the visa requirements, types, and application processes:

Entry permit

The entry permit is the first step for foreigners planning to move to Dubai. The requirements vary based on nationality:

GCC Nationals (Gulf Cooperation Council):Includes citizens of Bahrain, Kuwait, Oman, Qatar, and Saudi Arabia.

• Apply online for a UAE entry visa.
• Must have a passport valid for at least 3 months from the date of entry.
• Visa valid for 30 days, extendable with a UAE resident sponsor.
• Requires a valid passport and residence permit from a GCC country.

Non-GCC Nationals:

• Passport must be valid for at least 6 months beyond the entry date.
• Some are eligible for visa on arrival.
• Others need to pre-arrange an entry permit.

Visa on arrival

Some nationalities can obtain a visa on arrival at the airport. The following table summarizes the types and conditions:

Note: Check eligibility based on your nationality as visa rules may change.

Other entry permits

If you are not eligible for a visa on arrival, you must arrange an entry permit before traveling. Possible types include:

• Tourist Visa: Multiple-entry, 5-year visa allowing stays of up to 90 days per visit. Requires proof of $4,000 bank balance over the past 6 months and valid health insurance.
• Visit Visa: Sponsored by a family member or UAE resident, valid for 30 to 90 days.
• Transit Visa: For short stays of 48 to 96 hours for travelers transiting through Dubai.
• Work Entry Permit: Issued for those with a job offer from a Dubai-based company.

Residency visa

A residency visa is essential for long-term stays. Different visa types cater to various situations:

Required documents for residency application

• Passport: Valid for at least 6 months
• Personal Photo: Recent, with a white background
• Emirates ID Application: Proof of ID processing
• Housing Lease Contract: Certified or proof of property ownership
• Medical Fitness Certificate: From a registered UAE medical facility
• Entry Permit: To start the application
• Medical Insurance: As per UAE regulations
• Job Contract: For employment visa
• Educational Certificates: Attested by the UAE Ministry of Foreign Affairs (if applicable)

Dependent visa requirements

Expats can sponsor their spouse, children, and sometimes parents if they meet the salary requirements:

• Spouse and Children: Minimum salary of AED 4,000 or AED 3,000 with accommodation
• Sponsoring Parents: Minimum salary of AED 20,000, with proof of being the sole supporter
• Conditions for Sons: Up to age 25, unless they have special needs
• Conditions for Daughters: Can be sponsored regardless of age if unmarried
• Marriage Certificate: Must be attested and translated into Arabic if needed

Emirates ID card

The Emirates ID is mandatory for all residents and is issued by the Federal Authority for Identity and Citizenship. It serves as the primary identification for:

• Banking transactions
• Paying bills and fines
• Registering vehicles
• Travel within the GCC

Bank account

Opening a bank account in Dubai is straightforward, whether you’re a resident or a non-resident. The process varies slightly based on your residency status and the type of account you wish to open.

Types of bank accounts

Conventional vs islamic banking

Dubai’s banking sector offers both conventional and Islamic banking options.

• Conventional Banking: Operates with interest-based products, common in many countries.
• Islamic Banking: Complies with Sharia’h law, avoiding interest charges. Instead, profit-sharing models are used.
• Who Can Use: Both Muslims and non-Muslims can open accounts with Islamic banks.
• Mortgage Consideration: If planning to take a mortgage, open an account with the same lender for easier processing.

Currency options

Banks in Dubai offer accounts in both AED (Arab Emirates Dirham) and major foreign currencies such as USD, EUR, and GBP.

• AED to USD Exchange Rate: Pegged at AED 3.67 = $1.
• Multi-currency Accounts: Available for those who need to transact internationally.

Required documents 

Income and deposit requirements

Some banks may impose minimum income or deposit requirements:

• Income Requirement: Typically AED 5,000 ($1,361) per month.
• Minimum Deposit: Ranges from AED 3,000 - 5,000 ($817 - $1,361).
• Stricter for Non-Residents: Account setup may take longer and require additional documentation.

Cheque usage and manager’s cheques

Cheques are widely used in Dubai, especially for:

• Rental payments
• Property purchases
• Large transactions (e.g., car purchases)
• Utility and fine payments

A manager’s cheque is a secured cheque issued by the bank, certifying that the funds are available.

• Usage: Often used for large purchases or secure transactions.
• Who Can Issue: Both residents and non-residents can request a manager’s cheque.
• Process: Contact the bank, provide the recipient’s details, and wait for fund verification.

Tips for expats

• Chequebooks: Request one when opening a current account, as they are commonly used for payments.
• International Banking: Consider opening an account with international banks (like HSBC or Standard Chartered) for easier global transactions.
• Mobile Banking: Many banks offer digital account opening through apps, reducing paperwork and processing time.

Stay invested in global market

Dubai offers a wealth of investment opportunities, from real estate to financial markets. As an expat, diversifying your portfolio can help secure your financial future while living in this dynamic city. One effective way to stay invested globally while benefiting from professional portfolio management is by using StashAway.

StashAway provides globally diversified investment portfolios tailored to your risk profile, helping you take advantage of international markets from the comfort of Dubai. With low fees (0.2% - 0.8%), data-driven strategies, and a user-friendly app, you can easily track your investments and make informed decisions.

Ready to invest globally from Dubai? Start building your portfolio with StashAway today.

Taxes

One of the most attractive aspects of living in Dubai is the city’s favorable tax environment. The UAE does not levy taxes on personal income, capital gains, wealth, gifts, inheritance, or luxury items. 

This makes it a prime location for expatriates seeking to maximize their earnings. However, some specific taxes do apply.

Types of taxes in dubai

Tax considerations for expatriates

• Residency Status: Holding a UAE residence visa generally makes you a tax resident.
• Home Country Taxation: Some countries, like the United States, tax global income even if you reside in Dubai.
• Double Tax Treaties: The UAE has agreements with several countries, including India and the UK, to prevent double taxation.
• Tax Residency Certificate: To qualify, you must have lived in the UAE for at least 180 days and pay a fee of AED 1,000 ($272). This certificate helps clarify your tax status when dealing with home country obligations.

Housing

Housing is one of the largest expenses for residents in Dubai. Whether you choose to rent or buy, understanding the cost structure and legal requirements can help you make an informed decision.

Renting a house in dubai

Renting is popular among expatriates due to its flexibility. However, it comes with some unique aspects compared to other countries:

• Upfront Payment: Unlike monthly payments common in other regions, Dubai landlords may require rent to be paid upfront for the entire year or in a few large installments (e.g., 2, 4, or 6 cheques).
• Ejari Registration: To legalize your tenancy contract, you must register it with Ejari, a system by the Real Estate Regulatory Agency (RERA). The registration fee is typically AED 120 ($33), with additional costs if processed through a trustee center.
• Rental Increases: Dubai’s growing expat population has pushed up rental prices. In 2024, apartment rents increased by 16%, while villa and townhouse rents rose by 13%.

Key costs when renting

Buying a house in dubai

Buying property in Dubai is increasingly attractive due to potential capital appreciation and long-term investment benefits. The decision to buy versus rent often depends on your length of stay and financial situation.

Rent vs buy comparison

Key factors to consider

• Length of Stay: Renting is better for short stays (1-2 years), while buying is ideal for long-term plans.
• Financial Situation: Buying requires a significant down payment (20%-25% for expats), while renting has lower upfront costs.
• Investment Potential: Dubai’s real estate market has shown consistent growth, with property prices rising by 20%-30% in key areas over recent years.

Legal requirements for buying property

Dubai’s property laws allow freehold ownership for foreigners in designated areas. To complete a purchase, follow these steps:

1. Freehold Ownership: Expats can own properties in areas like Dubai Marina, Palm Jumeirah, and Downtown Dubai.
2. Mortgage Eligibility: Banks typically require a 25% down payment from expatriates. Proof of income and residency is also needed.
3. Memorandum of Understanding (MOU): Signed between buyer and seller, outlining the sale terms.
4. No Objection Certificate (NOC): Obtained from the developer, confirming no outstanding fees.
5. Transfer of Ownership: Finalized at the Dubai Land Department (DLD) with a 4% transfer fee.

Costs of buying a house in Dubai

Popular expat areas

Choosing the right neighborhood is crucial, whether renting or buying. Here are some top areas:

Working in Dubai

Working in Dubai offers a range of opportunities for expatriates, from corporate roles to entrepreneurial ventures. To legally work and reside in the city, it’s essential to secure the correct visa and understand local labor laws.

Getting a Dubai employment visa

To live and work in Dubai, all professionals need a residence permit and a work visa. Typically, the employer sponsors and applies for the visa once a job offer is confirmed. However, there are other pathways for individuals who wish to explore job opportunities before formal employment:

• Job-Seeker Visa: Allows professionals to enter Dubai to search for employment.
• Self-Sponsorship: Available for entrepreneurs or those in certain specialized professions who wish to start their own businesses.
• Employment Visa through Employer: Standard pathway where the employer applies for the visa on behalf of the employee.
• Visa Validity and Renewal: Typically, work visas are valid for 2-3 years, with renewal handled by the sponsoring employer.
• Sponsoring Family Members: Many employment visas also enable workers to sponsor their spouse, children, or dependents.

Understanding Dubai’s labor laws

Dubai follows the UAE labor laws, which ensure the fair treatment of all employees regardless of nationality, race, religion, or gender. 

Core labor laws

Equal Treatment: 

Gender equality is mandated, with equal pay for equal work.

Contractual Security: 

Employment terms cannot be changed unilaterally by employers.

Working Hours: 

Maximum of 48 hours per week, with overtime paid at 125% for day work and 150% for night shifts or public holidays.

Annual Leave: 

Employees with over one year of service are entitled to 30 days of paid leave annually.

Sick Leave: 

Up to 90 days per year, with varying pay:

• First 15 days: Full pay
• Next 30 days: Half pay
• Remaining 45 days: No pay

Maternity Leave: 

60 days (45 days full pay, 15 days half pay), plus 45 days of unpaid leave if needed.

Parental Leave: 

5 days of paid leave within the first 6 months of the child’s birth.

Bereavement Leave:

• 5 days for the death of a spouse
• 3 days for the death of a parent, child, sibling, grandchild, or grandparent

Public Holidays: 

Paid leave for official public holidays, including Eid, National Day, and Islamic New Year.

Overtime Compensation:

• 125% for extra daytime work
• 150% for night shifts, weekends, or public holidays

Weekly Rest Days: 

Generally Saturday and Sunday, but this may vary.

Employee benefits

Dubai offers competitive benefits to employees as part of compensation packages. These include:

Gratuity calculation

Gratuity is calculated based on the basic salary and length of service:

• First 5 years: 21 days’ wage for each year
• After 5 years: 30 days’ wage for each additional year
• Eligibility: Must complete at least 1 year of continuous service.

Starting your business in Dubai

Dubai is emerging as a leading hub for entrepreneurs and startups, offering a dynamic ecosystem, financial support, and favorable regulations. Here’s what makes Dubai an ideal destination for business owners:

No sponsor needed

Entrepreneurs moving to Dubai benefit from the availability of long-term visas without needing a UAE sponsor. Key visa options include:

• Golden Visa: For business owners who bring significant talent or investment to the country.
• Green Visa: Tailored for freelancers and self-employed professionals, allowing flexibility in business operations.
• Blue Visa: Designed for those engaged in environmental and sustainability projects.

Thriving startup ecosystem

Dubai’s commitment to entrepreneurship is reflected in its strategic initiatives and government support:

• Strategic Location: Acts as a gateway to markets in the Middle East, Africa, Europe, and Asia.
• Government Initiatives: The Dubai Economic Agenda "D33" aims to double the city’s economy by 2033, fostering a robust business environment.
• Investor-Friendly Policies: Legislation allows 100% foreign ownership in many sectors, attracting global investors.

Funding and financial support

Dubai offers numerous funding programs to support startups and SMEs:

Business incubators and accelerators

Dubai hosts various incubators and accelerators that help entrepreneurs scale their ideas:

• Dubai Future Accelerators: Connects startups with government entities to address key challenges.
• in5: Innovation centers in tech, media, and design, offering mentorship and networking opportunities.
• Area 2071: A creative ecosystem that encourages innovation, collaboration, and new business ideas.

Free zones and business setup

Dubai’s free zones provide a business-friendly environment, including:

Opportunities for entrepreneurs

Dubai’s progressive policies and strategic location make it an ideal place for startups and established businesses alike. The combination of tax benefits, long-term visas, and comprehensive support systems encourages business growth and innovation.

Healthcare in Dubai

Dubai offers a high standard of healthcare with a blend of public and private medical services, making it a preferred destination for expatriates seeking quality medical care. However, navigating the healthcare system requires an understanding of the insurance requirements, public versus private care, and the cost implications.

Dubai’s healthcare system

Healthcare in Dubai is regulated at both the federal and emirate level. The Dubai Health Authority (DHA) oversees healthcare facilities and services, including public and private hospitals.

Public vs private healthcare

Healthcare funding and insurance requirements

Dubai’s healthcare system is funded through a combination of taxation, private insurance, and co-pays. 

All residents, including expats, must have medical insurance. Employers are legally required to provide health insurance for their employees but are not obligated to cover dependents.

Costs to consider

• Copayment: Employees may need to pay 20% of medical costs, capped at AED 1,000 per year.
• Private Insurance: Costs vary depending on coverage, typically ranging from AED 5,000 to AED 25,000 per year.

Applying for public healthcare

To access government healthcare facilities, residents must hold a Health Card issued by the Dubai Health Authority (DHA).

How to Apply:

1. Submit your Emirates ID, passport, and residency visa.
2. Provide two passport photos and a copy of your tenancy contract.
3. Pay a fee of AED 320 for adults or AED 120 for children under 10.
4. Apply online or visit a medical center.

Maternity care in Dubai

Dubai offers high-quality maternity care with both public and private hospital options.

Challenges and considerations

While Dubai’s healthcare system is modern and efficient, expats may face some challenges:

• Insurance Coverage Gaps: Basic employer-provided plans may not cover dental, vision, or advanced treatments.
• Rising Costs: Healthcare expenditure in Dubai reached AED 53 billion in recent years, driven by population growth and demand for high-quality services.
• Dependents Coverage: Employers are not required to cover family members, and additional insurance can be costly.
• Language Barriers: While English is commonly spoken, some smaller clinics may primarily use Arabic.

Education in Dubai

Dubai offers a diverse and well-developed education system catering to both expatriate families and Emirati citizens. With numerous options ranging from public to private schools, international curricula, and higher education institutions, families can choose a pathway that best fits their needs.

Structure of the education system

Dubai’s education system is managed by the Knowledge and Human Development Authority (KHDA), which oversees both public and private institutions.

Public vs private schools

International schools

Dubai hosts a wide range of international schools that cater to the expatriate community. These schools offer a variety of curricula to align with students' home country education systems.

Nursery and preschool education

Dubai offers a range of nurseries and preschools to accommodate young children. Most nurseries follow international early childhood education frameworks.

Primary and secondary education

Dubai mandates compulsory education for children aged 6 to 15. Most private schools offer both primary and secondary education within the same campus, ensuring a smooth transition.

Primary education

• Curriculum: Focuses on core subjects like Math, Science, English, and Social Studies.
• Language: English as the primary medium, with Arabic as a compulsory subject.
• Assessment: Regular evaluations, project work, and annual exams.

Secondary education

• Curriculum: Offers specialized streams, including Science, Commerce, and Humanities.
• Exam Systems: Depending on the curriculum (e.g., IGCSE for British, SAT for American).
• Graduation: Requires passing final exams set by the school and approved by the KHDA.

Tertiary education

Dubai hosts various public and private universities, including branch campuses of international institutions.

Homeschooling

Homeschooling is a viable option for expatriate families in Dubai, but it must comply with regulations set by the Ministry of Education (MOE) and KHDA.

• Approval: Families must register with the MOE and adhere to curriculum standards.
• Support: Some online schools and community groups assist in curriculum planning and assessments.
• Challenges: Socialization opportunities may be limited compared to traditional schools.

Cost of education

The cost of education varies significantly between public and private institutions.

Financial assistance

• Scholarships: Offered for academic excellence and extracurricular achievements.
• Grants: Need-based support from schools and charities.
• Employer Assistance: Some companies provide an education allowance for expatriate employees.

Final checklist for expat moving to Dubai

Relocating to Dubai can be exciting yet challenging. Proper planning and organization will ensure a smooth transition. Here’s a quick checklist:

Before you move

• Secure Employment or Sponsorship: Obtain a job offer or secure an investment that qualifies for a visa.
• Gather Essential Documents: Prepare your passport, academic certificates, marriage/birth certificates, and police clearance.
• Complete Medical and Police Clearances: Undergo medical testing and obtain a police clearance certificate.
• Budget for Initial Expenses: Save enough to cover at least 3 months of living costs and upfront payments.
• Arrange Housing: Research temporary accommodations and potential neighborhoods.
• Explore Education Options: Look into international schools and contact them for admission procedures.

After arrival

• Obtain Emirates ID and Residency Stamp: Complete the biometric process at an Emirates ID center.
• Open a Local Bank Account: Choose an expat-friendly bank and complete the application with required documents.
• Register Your Lease via Ejari: Sign your rental agreement and register with Ejari for tenancy recognition.
• Set Up Utilities with DEWA: Pay the deposit and register your electricity and water connection.
• Obtain Health Insurance: Confirm your employer’s insurance or purchase a private plan.
• Enroll Children in School: Submit necessary documents and complete registration at the chosen school.
• Arrange Transport and Mobility: Apply for a UAE driving license or familiarize yourself with public transport.

Best way to secure residency

• Employer Sponsorship: The most straightforward route where the employer handles visa processing.
• Investment Route: Buy property worth AED 750,000 or start a business to secure a long-term visa.
• Freelance and Self-Sponsored Visas: Apply for a Green Visa if self-employed or an entrepreneur.
• Use Professional Relocation Agents: Simplify paperwork and relocation with expert assistance.

Tips to avoid common pitfalls

• Visa Overstay: Always renew your visa on time to avoid fines or deportation.
• Incomplete Paperwork: Double-check all documents to ensure smooth processing.
• Cultural Sensitivity: Respect local customs and laws to avoid legal issues.
• Insurance Gaps: Ensure your health coverage includes family members if needed.

Following these steps will help make your move to Dubai smooth and hassle-free.