DIFC License - Dubai International Financial Centre

Establish your financial services business in the Middle East's leading financial hub. World-class infrastructure, regulatory excellence, and strategic location. Compare withDMCC for commodities orcalculate your setup costs.

Last Updated: October 2025Next Review: January 2026

Why Choose DIFC?

100% Foreign Ownership

Full ownership with no local partner required

Zero Corporate Tax

No corporate tax for 50 years (renewable)

English Common Law

Independent legal system with English common law

World-Class Infrastructure

State-of-the-art facilities and technology

Strategic Location

Gateway between East and West markets

Regulatory Excellence

World-renowned regulatory framework by DFSA

DIFC vs Other Financial Hubs

DIFC stands out as the Middle East's premier financial centre, but understanding alternatives is important. Compare DIFC with ADGM in Abu Dhabifor similar financial services, or explore more affordable free zone optionsif cost is a primary concern. For business owners seeking residency benefits, ourGolden Visa guideexplains qualification criteria for DIFC companies.

Stay compliant with UAE corporate tax regulationsaffecting DIFC entities. Connect with our trusted DIFC setup partnersfor expert guidance through the regulatory process and explorereal success stories from DIFC entrepreneurs.

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DIFC License Types

Financial Services

Minimum Capital:AED 1,000,000
Setup Time:8-12 weeks

Permitted Activities:

Banking
Insurance
Asset Management
Fund Management
Investment Advisory

Ancillary Services

Minimum Capital:AED 500,000
Setup Time:6-8 weeks

Permitted Activities:

Legal Services
Accounting
HR Consultancy
IT Services
Marketing

Retail Services

Minimum Capital:AED 2,000,000
Setup Time:10-16 weeks

Permitted Activities:

Retail Banking
Wealth Management
Private Banking
Family Office

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DIFC Setup Costs

1. License Fees (annual)

Financial Services (Category 1)AED 15,000 - 30,000
Financial Services (Category 2)AED 30,000 - 75,000
Ancillary ServicesAED 10,000 - 20,000
Retail ServicesAED 20,000 - 40,000

2. Registration Fees

Company RegistrationAED 7,500 - 12,000
DIFC Authority FeesAED 5,000 - 10,000

3. Office Space (annual)

Serviced Office (small)AED 50,000 - 80,000
Premium OfficeAED 100,000 - 200,000
Flexi-deskAED 25,000 - 40,000

4. DFSA Authorization (if required)

Application FeeAED 25,000 - 50,000
Annual FeeAED 50,000 - 200,000

5. Visa Processing

Entry PermitAED 5,000 per person
Residence VisaAED 6,000 - 8,000 per person

6. Total First Year Estimate

Basic Ancillary ServicesAED 55,000 - 85,000
Financial Services (no DFSA)AED 80,000 - 150,000
Financial Services (with DFSA)AED 200,000 - 400,000

DIFC offers premium positioning with higher costs but exceptional regulatory framework.
Costs updated: October 2025. Contact partners for exact quotations.

DIFC License FAQ

What types of businesses can operate in DIFC?

DIFC specializes in financial services including banking, insurance, asset management, fund management, investment advisory, legal services, accounting, HR consultancy, and fintech companies. All financial activities require DFSA authorization in addition to DIFC license.

What is the minimum capital requirement for DIFC?

Minimum paid-up capital varies by license type: AED 500,000 for ancillary services, AED 1,000,000 for financial services Category 1, and AED 2,000,000+ for retail services. Additional regulatory capital may be required by DFSA.

How long does DIFC company setup take?

DIFC setup typically takes 8-16 weeks depending on license type and DFSA approvals required. Financial services licenses take longer (10-16 weeks) due to regulatory requirements, while ancillary services can be completed in 6-8 weeks.

Do I need DFSA authorization for all DIFC activities?

No, only regulated financial activities require DFSA authorization. Ancillary services like legal, accounting, consultancy, and IT services only need DIFC license. However, any financial services activity must obtain both DIFC license and DFSA authorization.

What are the benefits of DIFC over other free zones?

DIFC offers world-class financial regulatory framework, English common law jurisdiction, independent courts system, access to regional markets, 100% foreign ownership, no corporate taxes (until 2023), and prestigious business address in Dubai's financial district.

Can DIFC companies operate in UAE mainland?

DIFC companies can provide services to UAE mainland clients but cannot establish physical presence outside DIFC without additional licenses. For mainland operations, you need a separate mainland license or local service agreement.

Information Sources & Disclaimer

Official Source: All costs and procedures are based on official DIFC Authority guidelines and regulations as of October 2025. Visit www.difc.ae for the most current information.

DFSA Regulations: Financial services activities require authorization from Dubai Financial Services Authority (DFSA). Visit www.dfsa.ae for regulatory requirements.

Disclaimer: The information provided is for guidance purposes only and does not constitute legal or financial advice. Costs, procedures, and requirements are subject to change by DIFC Authority. Always verify current rates and requirements with official sources before making business decisions.

Last Updated: October 2025 | Next Review: January 2026

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Last Updated: October 2025

Information current as of this date. Please verify for any updates or changes.

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