The United Arab Emirates is one of the most attractive places for remote workers. The weather is great, the internet is reliable, and is now fast becoming a hub for digital nomads and freelancers from around the world.

Also read: Best places to visit in the UAE

But there’s one part that isn’t always easy: getting paid.

Many remote workers in the UAE work with clients or companies based abroad, especially in the US, UK, or Europe and getting paid into a local dirham (AED) account isn’t always ideal. Money can get lost in transit between unfavourable exchange rates, hidden fees, or banks that block international transfers.

That’s why having a global bank account is no longer just a “nice to have”.

Why remote workers in the UAE need global accounts

Let’s start with the basics. Here’s why it makes sense to open a global bank account when working remotely from the UAE:

• Get paid in foreign currency: Most clients and platforms pay in USD, GBP, or EUR. A global account lets you receive in those currencies without conversion losses.
• Hold stable currencies: With access to accounts in USD or EUR, you can protect your income from volatile exchange rates.
• Spend like a local globally: Many global accounts offer virtual or physical cards that work across borders.
• Seamless transfers to AED: Some platforms allow you to convert and withdraw to your local UAE account easily.

Also read: How freelancers in the UAE can receive payments from US, UK & EU clients

Top global account options for UAE-based remote workers

Let’s break down some of the best options, looking at key features, pros, and things to remember.

Grey (recommended)

Grey is a top choice for freelancers and remote workers in the UAE who want simple access to US, UK, and EU bank accounts. It’s designed for people who earn globally and spend locally.

Key features:

• Open US, UK, and EU accounts from anywhere
• Receive payments from clients, platforms like Upwork, Fiverr, or even global companies
• Convert currencies at transparent, low fees
• Withdraw to any UAE bank account quickly
• Get virtual USD cards for global online spending

Grey supports residents in the UAE and is tailored for freelancers. It’s a great option if you want flexibility without dealing with traditional bank paperwork.

Wise

Wise is popular for its multi-currency account and low-cost international transfers.

Key features:

• Receive and hold 40+ currencies
• Local bank details for USD, GBP, EUR, and more
• Transparent conversion fees
• Debit card for spending globally

Wise is widely used and is a solid global tool, especially if you're frequently moving countries.

Payoneer

This is a long-time favourite for freelancers and online workers, especially those using freelance marketplaces.

Key features:

• Receive payments in multiple currencies
• Local accounts in USD, EUR, GBP.
• Works with platforms like Upwork, Fiverr, Amazon, and others.
• Option to withdraw funds to local UAE banks

Payoneer is well-integrated with global marketplaces, making it easy to receive payouts directly from clients.

Revolut

Revolut is ideal for digital nomads who travel often, though availability in the UAE may be limited.

Key features:

• Hold and spend in 30+ currencies
• Access global accounts with local details
• Instant currency conversion
• International debit cards

As of 2025, Revolut is still working on UAE licensing. You may not be able to easily sign up for Revolut with UAE address

What to consider when choosing a global account

Here’s what to weigh up when picking the best option:

• Currencies supported: Ensure you can receive the currencies your clients pay in.
• Transfer and withdrawal options: Can you easily move money to your UAE account?
• Conversion fees: Look for platforms with transparent FX rates.
• Card access: Do you need a card to spend online or while travelling?
• Compliance and ease of sign-up: Some services may require proof of residency in other countries.

Also read: How to get an instant USD debit card in the UAE

Conclusion

Work is global now, and your bank account should be too. As a remote worker in the UAE, opening a global bank account gives you more control, savings, and flexibility.

Create your Grey account today or download the app to enjoy inclusive global banking designed to carry your dreams across borders.