UP by CBD

Mobile business banking for UAE SMEs — all in one app

UP by CBD is the mobile bank from Commercial Bank of Dubai (CBD), built for micro and small businesses across the UAE.

Open a UAE business account in minutes, manage your cashflow, pay suppliers, issue cards, and run compliant WPS salaries, all from one secure mobile app.

No branch visits. No unnecessary paperwork. Just business banking designed around how companies operate in Dubai and across the UAE.

Who UP is for 

• UP by CBD is designed for:
• SMEs and startups looking for a fast, compliant business bank account in the UAE
• Freelancers, consultants, and small agencies
• Employers who need to run WPS (Wage Protection System) payroll
• Founders and finance managers who want full control of payments, cards, and expenses in one place

  What you can do with UP 

• Open a UAE business account digitally
• Open a business account in minutes using the Dubai Unified Licence (DUL)
• Use your trade license and company documents, no branch visit required
• Move from business setup to banking activation without delay

  Access credit from day one

• Support early-stage cashflow with instant access to a business credit card directly from the app
• Clear pricing with transparent repayment schedules
• Increase your limit as your business grows

  Everyday business banking, simplified

• View balances and transactions in real time
• Send and receive local UAE payments
• Make international transfers with clear, upfront fees
• Automate recurring payments and stay on top of cashflow
• No minimum account balance

  WPS salaries made simple

• Run WPS-compliant salary payments for your employees
• Upload, review, and approve payroll files securely
• Keep salary records organised in one place

    Built for UAE businesses

• Whether you’re a startup, SME, or solo founder, UP gives you a mobile business banking experience in the UAE with:
• Transparent pricing with no hidden fees
• Reduced paperwork and faster processes
• No need to rely on personal accounts for business
• Local support from a UAE bank that understands SME needs

    Why choose UP by CBD

• All-in-one mobile bank – payments, payroll, cards, and more in a single app
• Built for small businesses – designed around how SMEs operate in the UAE
• Backed by CBD – a trusted UAE bank regulated by the Central Bank of the UAE (CBUAE)
• Mobile-first – manage your business banking entirely from your phone

    Security and compliance

• Your money and data are protected with:
• Secure login and strong authentication
• Real-time card controls (freeze, unfreeze, limits)
• Full compliance with UAE banking regulations UP helps you stay compliant, without slowing you down.

    Get started

1. Download UP by CBD
2. Sign up with your mobile number and email
3. Upload your trade license and company documents
4. Open your UAE business account and start banking

  If you want to open a business bank account in the UAE without visiting a branch, UP by CBD gives you everything in one secure, mobile-first experience.