Banks, credit cards and loans when you leave the UAE

Start with credit cards: banks wait up to 45 days after you cancel before issuing the clearance letter. Then settle loans, check you have no travel ban, and keep one account open for the refunds that arrive after you fly.

Checked 10 November 2026 · 8 steps, each with its official link

The steps, in order

1. Cancel credit cards at least 45 days before you fly KeyA card can take up to 45 days to close; the clearance letter comes after.7 weeks before
2. Decide which bank account stays open KeyRefunds and gratuity land after you leave. Keep one account; close the rest.3 weeks before
3. Tax Residency Certificate (if your home tax office will ask)Proof you were UAE tax resident for the year you leave.2 weeks before
4. Settle loans or agree a plan in writing KeyGet the settlement figure, pay, collect the clearance letter.2 weeks before
5. Check you have no travel ban KeyTwo minutes in the Dubai Police app, free.2 weeks before
6. Clear fines on your traffic fileIncluding rental cars and parking you forgot.10 days before
7. Close the accounts you don’t needClose linked products first, then the account, then collect the letters.8 days before
8. Cancel insurance policies, but check life cover firstHome, car and personal health policies can refund unused months.3 days before