# Commercial Bank Licence (United Arab Emirates)

Source page: https://protegra.io/licensing/licences/bank/uae-commercial/

The Commercial Bank Licence is issued by Central Bank of the UAE (CBUAE) under Federal Decree-Law No. (6) of 2025 Regarding the Central Bank, Regulation of Financial Institutions and Activities, and Insurance Business. The official register lists 61 current holders (June 2025 CBUAE register). Ownership changes need the regulator's approval before completion.

## At a glance

| Official name | Commercial Bank Licence [1] |
| --- | --- |
| Issued by | [Central Bank of the UAE](https://protegra.io/licensing/regulators/cbuae/) |
| Jurisdiction | [United Arab Emirates](https://protegra.io/licensing/jurisdictions/uae/) |
| Licence family | [Bank / credit institution](https://protegra.io/licensing/licences/bank/) |
| Legal basis | Federal Decree-Law No. (6) of 2025 Regarding the Central Bank, Regulation of Financial Institutions and Activities, and Insurance Business [1] |
| Passporting | Domestic only |
| Public register | [official register](https://centralbank.ae/media/1z4gwagt/cb-register-june-2025.pdf) [2] |
| Current holders | 61 (June 2025 CBUAE register) [2] |

## What it lets you do

- [Taking deposits from the public](https://protegra.io/licensing/activities/deposit-taking/)
- [Lending](https://protegra.io/licensing/activities/credit-granting/)
- [Execution of payment transactions](https://protegra.io/licensing/activities/payment-execution/)

- **Taking deposits from the public.** Accepting deposits or other repayable funds from the public, the activity reserved to credit institutions.
- **Lending.** Granting loans, including consumer credit, mortgage credit, factoring and financing of commercial transactions.
- **Execution of payment transactions.** Executing direct debits, card payments and credit transfers, including standing orders, from a payment account.

## Where it is valid

_Valid in United Arab Emirates._

## Buying a company that already holds it

**Prior approval required.** Under Article 120 of Federal Decree-Law No. (6) of 2025, no person may acquire, transfer, or increase a controlling interest in a Licensed Financial Institution without obtaining prior written approval from the CBUAE. Controlling interest thresholds are established at 10% of shares or voting rights for Payment Token Service Providers (PTSR Circular 2/2024 Art. 1.17) and 20% for Retail Payment Service Providers (RPSCS Circular 15/2021 Art. 1 and Art. 8), or any holding conferring de facto control or board appointment rights. Unauthorised acquisitions are legally void, empowering the CBUAE to revoke voting rights and mandate the forced disposal of excess shares. [1]

## Laws behind it

- [Federal Decree-Law No. (6) of 2025 Regarding the Central Bank, Regulation of Financial Institutions and Activities, and Insurance Business](https://protegra.io/licensing/laws/ae-federal-decree-law-6-2025/): Federal Decree-Law No. (6) of 2025

## Sources

1. [rulebook.centralbank.ae: 6185](https://rulebook.centralbank.ae/en/entiresection/6185): retrieved 2026-09-24
2. [centralbank.ae: cb register june 2025 (PDF)](https://centralbank.ae/media/1z4gwagt/cb-register-june-2025.pdf): retrieved 2026-09-24

Last verified 2026-09-24 · Author: Danil Marmysh · Reviewed by Anastasia Sidorenkova · © Protegra. Data: CC BY 4.0, cite "Protegra Licensing Atlas". Not legal advice.