Important
Before notarisation, confirm that the bank accepts a POA for account closure, as some banks require the account holder to attend in person or provide extra documents before closing the account.
What is a Bank Account Closing Power of Attorney?
It is a specialised, limited POA that allows another person to assist you with closing a personal bank account in Dubai or elsewhere in the UAE.
The authority may include visiting the bank, submitting the closure request, signing the required declarations or documents and following up until the bank confirms that the account has been closed.
The scope should be stated clearly, because some banks will not accept overly general wording for account closure.
When is this POA useful?
It is commonly used when the account holder is outside the UAE, cannot attend the branch, or needs a trusted person to complete local closure steps.
It is also helpful where the bank requires a formal authorisation before accepting the closure request or where the account has historical matters that need formal follow-up.
- You are outside the UAE and need someone to act on your behalf at the bank.
- You cannot attend because of travel, illness or work commitments.
- The bank requires a formal POA to proceed with closure.
- You want the authority limited to closure rather than ongoing account operation.
Powers that can be included
The POA may include the following powers:
- Approaching the bank and communicating with its representatives.
- Submitting the personal account closure request and completing the required steps.
- Signing the closure forms or declarations that the bank permits to be signed by an authorised person.
- Delivering any required documents such as identification, address evidence or notification papers.
- Following up until the bank issues a closure decision or final confirmation.
- Coordinating with the bank regarding any remaining balance, transfer instructions or closure of linked cards where explicitly authorised.
Drafting notes
Closing an account is different from opening or operating it. The POA should not automatically grant powers to manage the account, withdraw or transfer funds, issue cheques or use online banking unless those powers are expressly required and accepted by the bank.
In some cases it is better to make clear that the purpose is account closure only and that no ongoing operating powers are granted.
Documents required
Please send clear copies of the following:
- The principal’s passport and Emirates ID or residence permit where applicable.
- The principal’s address, mobile number and email address.
- The representative’s passport and Emirates ID where applicable.
- The full legal name of the bank and branch, where relevant.
- Account details, such as the account number or IBAN, if available.
- Any reason for closure or notes from the bank where applicable.
- A clear list of the powers you want to authorise.
How the process works
Send the principal’s and representative’s documents via WhatsApp.
Tell us the bank name, account type and the tasks that need to be completed.
We review the bank’s instructions and prepare a closure-specific draft.
You review the names, identity details, reason and any special conditions.
We coordinate in-person or online notarisation as appropriate.
You receive the notarised POA for submission to the bank.
The bank completes its own review and proceeds with closure.
Price and Service Terms
- The starting price is AED 630 for in-person service and AED 1,260 for eligible online service.
- The approved quotation covers standard POA drafting and notarisation coordination.
- Bank charges, remaining balances, translations, embassy, consular, MOFA and courier fees are not included unless stated.
- Additional fees may apply if the bank provides a special template or requests substantial amendments.
- Completion depends on clear documents, notary approval and successful identity verification.
- Acceptance of the POA and closure of the account remain subject to the bank’s decision.
Frequently Asked Questions
In many cases, yes, especially where closure requires a representative to attend or sign. Acceptance still depends on the bank’s own policy and instructions.
No. The bank may still review the request, request extra documents or ask for the account holder to attend if required.
Yes, if the POA can be issued or notarised online, or through recognised overseas notarisation and attestation according to the bank’s requirements.
Only if that authority is expressly stated in the POA and accepted by the bank.
Yes. Closure means ending the account under the bank’s final procedures, whereas withdrawal or transfer powers are separate and should be stated clearly.