Fintech in DIFC
Starting From
AED 12,000
Setup Time
5 Business Days
Visa Quota
6 Visas
Location
Dubai
About Fintech
As an Indian national looking to establish a Fintech business in Dubai International Financial Centre, the UAE offers one of the most welcoming environments for international entrepreneurs. India has strong bilateral trade relations with the UAE, and thousands of Indian professionals have already successfully set up businesses across the emirates.
As a free zone entity regulated under Dubai's commercial laws, your Fintech business will benefit from independent legal framework (common law) and own courts and arbitration centre. The DIFC licensing framework is designed to accommodate both start-ups and established firms, with annual licence fees starting from approximately AED 12,000.
With over two decades of experience in UAE business formation, IBA International provides end-to-end support for your fintech setup in DIFC. Our dedicated advisors handle the paperwork, government liaisons, and compliance requirements, so you can focus on building your business from day one.
Why DIFC for Fintech?
There are several compelling reasons why Dubai International Financial Centre continues to attract fintech entrepreneurs from around the world.
The jurisdiction offers independent legal framework (common law), which is particularly valuable for fintech operations. Additionally, own courts and arbitration centre ensures that your business remains competitive in the regional market. As a free zone entity, your business enjoys complete repatriation of profits and capital, with no currency restrictions on transactions. Office solutions start from AED 18,000 per year for a flexi desk, making it accessible for businesses of all sizes. The standard licence includes a visa quota of 6 residency visas, with options to increase this number as your team grows. Premier financial hub further enhances the appeal of DIFC for fintech professionals. Furthermore, zero tax for 50 years positions your fintech business for long-term success in the region. With Dubai continuing to invest in infrastructure and business-friendly regulation, DIFC remains an excellent choice for both start-ups and established financial enterprises looking to expand into the Middle East and North Africa region.
For Indian nationals specifically, the Dubai government has fostered a business-friendly environment with streamlined processes that cater to the large Indian business community.
Visa Requirements for Indian Nationals
Banking for Indian Business Owners
Document Attestation for Indian Nationals
Requirements & Documents
Regulatory Note: Fintech is a regulated activity in the UAE. Additional approval from DFSA/VARA is required. IBA can guide you through the full regulatory process.
Cost Breakdown
| Item | Cost (AED) |
|---|---|
| License Fee | 12,000 |
| Visa Package (per visa) | 5,500 |
| Flexi Desk | 18,000 |
| Shared Office | 35,000 |
| Private Office | 80,000 |
| Estimated Total (Year 1) | From AED 35,500 |
* Costs are indicative and subject to change. Contact IBA for a personalised quote.
Setup Timeline
Consultation
Free consultation with IBA to discuss your fintech business plan and the best DIFC licence options for Indian nationals.
Document Preparation
Prepare and attest all required documents from India through MEA (Ministry of External Affairs) and the UAE Embassy.
Licence Application
Submit the fintech licence application to DIFC. IBA handles all paperwork and government interactions.
Trade Licence Issued
Receive your official DIFC trade licence within 5–8 business days.
Visa Processing
Process your UAE residence visa, Emirates ID, and medical fitness. Indian passport holders can obtain a UAE visa on arrival for 14 days.
Bank Account
Open a corporate bank account. Indian nationals typically find it straightforward to open corporate accounts with UAE banks.
Start Operations
Your fintech business is ready to operate in the UAE. IBA provides ongoing PRO, accounting, and compliance support.
Total estimated time: 5 business days. IBA handles the entire process end-to-end so you can focus on your business.
Frequently Asked Questions
Yes. DIFC allows 100% foreign ownership for all nationalities, including Indian nationals. No local sponsor or partner is required.
Fintech in Other Jurisdictions
Get Started Today
Ready to set up your fintech in DIFC? Our team is here to help.
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Official Source
www.difc.ae ↗Popular in DIFC
By IBA Business Setup Team
Last updated: 26 February 2026
International Business Advisors DMCC has been helping entrepreneurs set up businesses in the UAE since 2004, with 20+ years of hands-on expertise.
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