# UAE free zones for Fintech & financial services

> Payments, asset management, banking and insurance. Regulated by a financial regulator. Examples: Asset manager, Payment service, Insurance broker. Our assessment from the zone's published licence types. Always confirm your exact activity on the zone's official activity list.

| Zone | Emirate | Solo, no visa (yr 1) | Founder + 1 visa (yr 1) | Team, 3 visas (yr 1) | Lowest package (yr 1) | Licence fee from | Max visa quota | Min. office | Incorporation | VAT DZ list | Checked |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| [DIFC](https://freezoneguide.com/uae/dubai/difc.md) | Dubai | Not published | Not published | Not published | Not published | AED 3,673 | 4 | Virtual office | 21 days | No | 2026-10-24 |
| [ADGM](https://freezoneguide.com/uae/abu-dhabi/adgm.md) | Abu Dhabi | AED 5,509 | Not published | Not published | AED 5,509 | AED 10,283 | Not published | Not published | Not published | No | 2026-10-24 |
| [DMCC](https://freezoneguide.com/uae/dubai/dmcc.md) | Dubai | AED 31,000 | AED 43,780 | AED 43,780 | AED 31,000 | AED 20,285 | 3 | Flexi-desk | 10 days | No | 2026-10-24 |

Zones needing an extra regulator approval for this activity: DIFC, ADGM, DMCC.

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Source: FreezoneGuide (https://freezoneguide.com/). AED, as published by each zone on its official channels. Information collected from free-zone authorities and UAE government sources on the dates shown. Fees and rules change; the zone's current schedule prevails. Not legal, tax or financial advice.