Living in Dubai: Your Essential Relocation Checklist

Relocating to a new city is always a big step, and Dubai, with its mix of ultra-modern skyscrapers and rich cultural traditions, offers a unique lifestyle for expatriates. Whether you’re moving for career advancement, family life, or simply the experience of living in one of the world’s most iconic cities, proper preparation is key. This comprehensive guide will cover all the steps you need to take before and after you relocate to Dubai to make your transition as smooth as possible.

1. Securing Your Visa and Work Permit

One of the most important aspects of moving to Dubai is securing the right visa. The UAE operates a relatively straightforward visa system, but it’s important to understand which type of visa applies to your situation.

Types of Visas

Employment Visa: This is the most common visa for expats. It’s typically sponsored by your employer, and the process includes medical examinations and obtaining a resident ID (Emirates ID). Employment visas are usually valid for two to three years.
Dependent Visa: If you’re moving with your family, you’ll need to sponsor their visas. This means applying for dependent visas for your spouse and children. Employers can assist with this process, but you’ll need to ensure you meet the salary requirements to sponsor dependents.
Freelancer Visa: For those working independently, the UAE has introduced freelancer visas. This allows you to work in fields like media, design, technology, or education, without a corporate sponsor.

Steps to Obtain a Visa:

Secure a Job Offer: Your visa will usually be tied to your employment. Once you have a confirmed offer, your employer will apply for your visa.
Undergo a Medical Examination: All expatriates are required to undergo medical tests (blood tests and chest X-rays) to check for contagious diseases.
Obtain an Emirates ID: This is your primary identification in the UAE. It will be required for everything from signing leases to opening bank accounts.
Family Visa Applications: If you’re bringing your family, you’ll need to start their visa process as soon as yours is underway.

Renewing and Cancelling Visas

Renewal: Most visas are renewable every two to three years, depending on your contract. Ensure you start the renewal process before your visa expires.
Cancellation: If you leave your job or are planning to exit Dubai, you must ensure your visa is properly canceled through your employer or sponsor.

2. Finding Housing and Accommodations

Dubai is known for its stunning architecture and luxury real estate options. Whether you’re looking for an apartment in the heart of the city or a family-friendly villa in the suburbs, the housing market has something for everyone.

Understanding Dubai’s Housing Market

Rental Properties: Most expats in Dubai opt for rental accommodation. You’ll find a variety of properties ranging from high-rise apartments to sprawling villas.
- Popular Areas: Downtown Dubai, Dubai Marina, Palm Jumeirah, and Business Bay are popular with professionals, while Jumeirah, Arabian Ranches, and Mirdif are ideal for families.
- Lease Terms: Dubai typically has long-term leases (1 year), and rents are paid upfront, usually in 1-4 post-dated checks. Some landlords now offer more flexible payment terms, but this is still rare.
Buying Property: Expats can now purchase property in specific freehold areas like Palm Jumeirah, Downtown Dubai, and Emirates Hills. Buying is a long-term investment and requires significant financial resources.
- Consider Mortgages: UAE banks offer expats up to 75-80% mortgages on property purchases. Ensure you meet the eligibility criteria before applying.

Steps to Secure a Rental Property:

Hire a Real Estate Agent: It’s advisable to work with a licensed real estate agent to help you navigate Dubai’s property market. They’ll assist in finding suitable properties and negotiating rental agreements.
Visit Multiple Properties: Always visit several properties before making a decision. Compare rent, location, amenities, and commute times.
Prepare for DEWA (Utilities): Once you sign the lease, you’ll need to connect electricity, water, and air conditioning through DEWA (Dubai Electricity & Water Authority). You may also need a separate provider for district cooling in some areas.
Rental Agreement and Security Deposit: Sign the tenancy contract and pay the security deposit (usually 5% of annual rent for unfurnished properties, 10% for furnished ones). Always read the contract carefully.
Ejari Registration: All rental agreements must be registered with Ejari, the official regulatory body, to ensure transparency and legal compliance.

Considerations for Long-Term Expats

If you’re planning to stay in Dubai long-term, weigh the benefits of renting versus buying. Many expats initially rent before exploring the possibility of purchasing property in freehold areas.

3. Opening a Bank Account

Setting up a bank account in Dubai is essential for receiving your salary, managing bills, and ensuring smooth financial transactions. Most expats will need a local account for convenience and regulatory reasons.

Steps to Open a Bank Account:

Choose a Bank: Popular banks include Emirates NBD, First Abu Dhabi Bank (FAB), Mashreq Bank, and HSBC. Research their offerings, including digital banking services, fees, and ATM locations.
Required Documents: You’ll need the following documents to open an account:
- Passport with valid UAE residence visa.
- Emirates ID.
- Salary certificate or job offer letter from your employer.
Type of Accounts: Most banks offer current and savings accounts. Consider if you want an Islamic bank account (Sharia-compliant) or a conventional account.
Salary Transfer: Set up your salary transfer with your employer by providing them with your new bank account details.

Additional Banking Services

Credit Cards: Dubai’s banks offer a range of credit cards with attractive benefits like cashback, travel rewards, and discounts. Ensure you meet the income criteria before applying.
Online Banking: Most banks offer excellent mobile and online banking services, allowing you to manage your finances on the go.

4. Healthcare in Dubai

Dubai’s healthcare system is one of the most advanced in the region, offering world-class medical facilities and highly trained professionals. All residents must have health insurance.

Understanding Healthcare in Dubai

Public Healthcare: Expats with a valid residence visa can access public healthcare facilities. However, most opt for private insurance due to shorter wait times and wider hospital networks.
Private Healthcare: Dubai has a wealth of private hospitals and clinics. Popular private hospitals include Mediclinic, American Hospital Dubai, and Saudi German Hospital.

Health Insurance Requirements

Employer-Provided Insurance: By law, employers must provide health insurance for their employees. However, you may need to purchase additional insurance for family members or opt for a more comprehensive plan.
Purchasing Private Insurance: If your employer does not cover family members, you’ll need to purchase a private plan. Compare packages and ensure you’re covered for essential healthcare services.

Emergency Services

Dubai has a robust emergency medical response system. Dial 999 for emergencies. Most private hospitals also offer 24/7 emergency care.

5. Transportation and Driving

Dubai’s extensive public transportation network and modern infrastructure make commuting easy, but many expats still choose to drive.

Public Transportation in Dubai

Dubai Metro: The Metro is a highly efficient and affordable way to travel across the city, with stations covering major areas like Downtown Dubai, Marina, and the airport.
Buses and Trams: The RTA (Roads and Transport Authority) operates an extensive bus network, and the Dubai Tram covers the Marina and JBR areas.

Driving in Dubai

Obtaining a Driver’s License: If you’re moving from countries like the US, UK, or EU, you may be able to transfer your existing driver’s license. Others may need to take driving lessons and pass a test.
Buying or Renting a Car: If you plan to drive regularly, consider purchasing a car, as public transportation may not cover all areas. Car rentals are also common for short-term needs.

Parking and Salik

Parking is available in most parts of the city, though certain areas like Downtown Dubai and Marina can get congested. Salik is Dubai’s electronic toll collection system, and you’ll need to register your car for toll payments.

6. Education and Schooling

For families moving to Dubai, finding the right school for your children is a priority. Dubai offers a wide range of international schools with curricula from the UK, US, and other countries.

Choosing the Right School

Popular Curricula: British, American, IB (International Baccalaureate), and Indian curricula are the most common. Research which curriculum fits your child’s educational needs.
Top Schools: Schools like Dubai College, Jumeirah English Speaking School (JESS), and Dubai International Academy are well-regarded among expatriates.

Applying Early

School places in Dubai can be competitive, especially in the best international schools. It’s important to apply as early as possible to secure a spot.

School Fees

School fees in Dubai can be expensive, ranging from AED 30,000 to AED 100,000+ per year, depending on the school and curriculum. Make sure to budget accordingly.

7. Adjusting to Dubai’s Cost of Living

Dubai’s cost of living can vary significantly depending on your lifestyle. While rent is the biggest expense for most residents, there are many other costs to consider.

Key Expenses:

Rent: Rental costs vary by location and property size. Expect to pay anywhere from AED 40,000 for a small apartment to AED 300,000 or more for a luxury villa.
Groceries: Supermarkets like Carrefour and Spinneys offer a range of products, but imported goods can be expensive.
Utilities: DEWA bills typically include electricity, water, and air conditioning, which can add significantly to monthly costs, especially during the summer.
Leisure and Dining: Dubai offers a wide range of leisure activities and dining options, from budget-friendly eateries to fine dining experiences. High-end restaurants and entertainment can add to your monthly expenses.

Budgeting Tips

Negotiate Rent: Always try to negotiate rental prices, especially if you’re signing a long-term lease.
Use Public Transport: If you live near a Metro or tram station, you can save on transportation costs by using public transport instead of driving.
Shop Smart: Local markets and budget supermarkets can help you save on groceries compared to premium outlets.

8. Cultural Etiquette and Laws

Dubai is a melting pot of cultures, but it’s still important to respect local customs and laws, particularly those influenced by Islamic traditions.

Dress Code

While Dubai is more liberal than other parts of the Middle East, it’s still advisable to dress modestly in public places. Avoid revealing clothing, particularly in government buildings, mosques, and traditional areas.

Behavior in Public

Public displays of affection are frowned upon, and in some cases, can lead to fines or legal consequences. Be mindful of your behavior, particularly in conservative parts of the city.

Alcohol Consumption

Alcohol can only be consumed in licensed venues such as hotels, bars, and clubs. Public intoxication is illegal, and severe penalties can apply.
If you want to buy alcohol to consume at home, you’ll need to apply for an alcohol license.

Ramadan Etiquette

During the holy month of Ramadan, it’s important to be respectful of those fasting. Eating, drinking, and smoking in public during daylight hours is prohibited for non-Muslims.

9. Leisure and Lifestyle in Dubai

Dubai offers an exceptional range of leisure activities, catering to every interest and age group. Whether you’re into adventure sports, shopping, or simply relaxing by the beach, there’s something for everyone.

Shopping and Dining

Malls: Dubai is home to some of the world’s most luxurious shopping malls, including The Dubai Mall and Mall of the Emirates. These malls offer more than just shopping—they’re destinations for entertainment, dining, and family activities.
Dining: The dining scene in Dubai is truly global. From street food to Michelin-starred restaurants, you’ll find a vast array of cuisines to explore.

Outdoor Activities

Beaches: Dubai’s public and private beaches are perfect for relaxation and water sports. JBR Beach, Kite Beach, and La Mer are popular among residents and tourists alike.
Desert Adventures: The desert offers opportunities for adventure sports like dune bashing, camel riding, and sandboarding. You can also enjoy a traditional Bedouin experience with desert camping and star gazing.

Culture and Entertainment

Dubai Opera: If you’re interested in culture, Dubai Opera hosts a range of performances, from classical music and ballet to theater and contemporary acts.
Global Events: Dubai hosts several major global events, including Expo 2020, Dubai Shopping Festival, and Art Dubai, making the city a hub for culture and entertainment.

10. Finalizing Your Move

Once you’ve handled the major logistics of relocating to Dubai, the final step is settling in and enjoying your new life in this vibrant, ever-evolving city.

Register with the Embassy

Ensure that you register with your home country’s embassy or consulate in Dubai. This can be helpful in case of emergencies, as well as for legal or financial matters.

Meet New People

Join expat groups, clubs, and associations to meet new people and expand your social circle. Dubai has a thriving expatriate community, and there are plenty of opportunities to connect with others who share your interests.

Explore the City

Take time to explore Dubai’s diverse neighborhoods, attractions, and cultural offerings. Whether you’re strolling through the historic Al Fahidi district or marveling at the futuristic skyline, there’s always something new to discover.

Adapt and Thrive

Moving to a new country can be challenging, but with the right preparation and a positive mindset, you’ll find that Dubai offers a truly unique lifestyle. From luxurious amenities to endless opportunities for personal and professional growth, living in Dubai can be a rewarding experience.

Conclusion

Relocating to Dubai is an exciting adventure filled with opportunities, but it requires careful planning. From securing the right visa and housing to understanding the local culture and lifestyle, this comprehensive checklist should help make your transition smoother. By taking these steps, you can ensure that your move to Dubai is successful and that you can fully enjoy everything this dynamic city has to offer.