Freelancers in the UAE must open licensed business bank accounts, as using personal accounts for work is illegal. Experts warn this mistake can lead to account closure or blacklisting by banks. While traditional banks require high balances and strict paperwork, digital banking platforms offer easier options. Apps like Wio Business and Mashreq NeoBiz provide tools like invoicing and don’t need a minimum balance. However, freelancers must still pass compliance checks. This includes showing a valid freelance permit, proof of address, and low-risk business activity. Experts suggest freelancers work with business setup professionals. This helps ensure legal compliance and smoother access to banking services in the UAE.