How Long Should a UAE Bank Liability or Clearance Letter Take?
Request a UAE bank liability statement or clearance letter with the correct account details and track the seven-working-day standard.
Start here
CBUAE rules require licensed financial institutions to issue requested liability statements and clearance letters within seven working days of the customer’s application. The document type and account status still determine what the bank can accurately certify.
Step-by-step
1. Ask for the exact certificate
Confirm whether the receiving bank or authority needs a liability letter, no-liability letter, clearance certificate or account statement.
2. Submit through an official bank channel
Identify every relevant facility and provide the recipient or purpose only where the bank requires it. Save the dated request number.
3. Resolve balances or holds
A clearance letter may depend on settled liabilities, released security and completed closure. Ask for a written list of anything blocking issuance.
4. Escalate after the service window
Follow up with the bank using the request date. If unresolved, make a formal complaint and retain the complaint reference before approaching Sanadak where eligible.
Important: A liability letter reports obligations at a point in time; it is not the same as a full credit report or proof that every product is closed.
Official source and review note
Dubai Daily Guide reviewed this article on 8 October 2026 against CBUAE Rulebook — Issuing certificates within 7 working days ↗. Check the live service before acting because eligibility, documents, fees and processing steps can change.