CBUAE guidance addresses non-face-to-face verification and the use of digital identity systems, and says institutions may add checks — such as a site visit — depending on risk.
What CBUAE guidance says about remote verification, digital ID and extra checks.
Where identity verification is done without face-to-face contact, the CBUAE guidance says institutions should apply additional checks against impersonation and fraud, with examples including biometric checks using reliable digital ID systems, multi-factor authentication and a video call with the customer.
The CBUAE digital identification guidance addresses using digital ID systems for customer due diligence at onboarding or account opening and for ongoing monitoring, and describes UAE Pass and Emirates ID as national identification systems, with Emirates ID to be checked through the online validation gateway of the identity authority.
The CBUAE guidance says that, depending on risk, an institution may add extra verification steps, for example a site visit for a corporate customer meeting a risk threshold, and that statutory record retention is at least five years from the latest of triggers such as termination of the relationship.
Guidance for LFIs on Customer Due Diligence/Know Your Customer and Record-Keeping (Oct 2025) — Central Bank of the UAE
Guidance for LFIs on Digital Identification for Customer Due Diligence (31 Oct 2022) — Central Bank of the UAE
Fact sheet last reviewed 2026-09-28. Jurisdiction rules are confirmed against the sources above; a provider's own requirements differ and are confirmed by the provider.
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Where identity verification is done without face-to-face contact, the CBUAE guidance says institutions should apply additional checks against impersonation and fraud, with examples including biometric checks using reliable digital ID systems, multi-factor authentication and a video call with the customer.
The CBUAE digital identification guidance addresses using digital ID systems for customer due diligence at onboarding or account opening and for ongoing monitoring, and describes UAE Pass and Emirates ID as national identification systems, with Emirates ID to be checked through the online validation gateway of the identity authority.
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