Apply for a UAE manager’s cheque online
For non-resident buyers and sellers completing a property transaction in the UAE, Hubpay issues your manager’s cheque and delivers it to your UAE representative within 24–48 hours.
Regulated by ADGM
ISO 27001 certified
Grant Thornton Audited
13,580
Resale transactions in H1 2026
24hrs
Open your digital AED account
24 to 48hrs
Cheque issued and delivered
30+
Funding currencies supported
For non-resident buyers and sellers
The process is different depending on whether you are buying or selling. Both can be completed entirely from outside the UAE.
NON-RESIDENT BUYER
Funding a UAE property purchase
A manager’s cheque is commonly used to settle UAE property transactions. Non-resident buyers can fund an AED account from overseas, then arrange a cheque for their broker, trustee or authorised representative.
1
Open an AED account remotely using the required identity and address documents.
2
Send funds from your home bank and review the AED conversion before confirming.
3
Once funds are available, arrange delivery of the manager’s cheque to the relevant transaction party.
NON-RESIDENT SELLER
Receiving UAE property sale proceeds
For a UAE property sale, the manager’s cheque is issued to the registered owner. An AED account provides a route to receive the proceeds before deciding whether to hold, convert or transfer them.
1
Open an AED account in the registered owner’s name using the required documents.
2
Deposit the buyer’s manager’s cheque into the AED account after the property transaction.
3
Choose whether to hold the proceeds in AED, convert them, or transfer funds internationally.
Want the complete guide to manager’s cheques in UAE?
Our 8-minute guide covers what a manager’s cheque is, UAE property transaction requirements, and the detailed step-by-step process for non-residents.
More than just a manager’s cheque
Hubpay provides end-to-end payment infrastructure for every party in a UAE property transaction. Explore the right solution for your role.
Non-resident buyers
Open an AED account in 24 hours, convert your home currency, and complete your UAE property purchase, all from outside the country.
Non-resident sellers
Receive your sale proceeds into a UAE-regulated account, convert to 30+ currencies at transparent rates, and transfer to 85+ countries.
Property brokers
Register as a Hubpay affiliate partner. Submit client applications through your broker portal and get them financially ready before the transfer date.
Real estate developers
Accept multi-currency payments, automate escrow forwarding, and power your off-plan sales with real-time API integrations for international buyers.
Why non-residents choose Hubpay over banks
Traditional providers cannot serve non-resident buyers on the timelines that property transactions demand. Here is how the options compare.
Factor
Account opening for non-residents
Emirates ID required
Minimum balance
Manager’s cheque issuance
Manager’s cheque + FX in one platform
FX conversion from home currency
UAE property regulations compliant
Regulatory licence
Hubpay
24 hours, fully digital
No, passport only
Zero minimum balance
Within 24–48 hours of funding
Yes, convert from 30+ currencies and issue cheque in one flow
Yes, 30+ currencies with a pre-agreed rate
Yes, account issued in registered owner’s name and UAE-regulated
ADGM Category 3C EMI (UAE-licensed)
UAE traditional bank
1–3 weeks, branch visit required
Yes, for most banks
AED 25,000 – 500,000
1–2 business days once account is open
No, a separate FX provider is required
No, AED transfer is required first
Yes
UAE bank licence
Other fintechs
Typically routed through a UAE banking partner; timeline varies
Depends on the banking partner used
Depends on the banking partner used
1–2 business days via banking partner
FX typically not included in the service
Varies by provider
Confirm directly with provider
FCA-regulated (UK-based EMI)
Any questions? We’ve got answers
How much does a manager's cheque cost through Hubpay?
Hubpay's manager's cheque fee depends on the value of the property and is negotiable. We offer the best pricing in the market. Contact our property team for a no-obligation quote tailored to your transaction.
What documents do I need to apply for a manager's cheque through Hubpay?
For a manager's cheque through Hubpay, we require KYC documents for the buyer or seller: a valid passport, a government-issued ID, a recent bank statement, and Form F or an equivalent document related to the property purchase or sale. Our property team will confirm the exact requirements for your specific transaction when you get in touch.
Can Hubpay issue manager's cheques to any UAE address?
Yes. Physical manager's cheques are delivered to any UAE address — your broker's office, your POA, your solicitor, or directly to the trustee office handling the transfer. Delivery covers all seven emirates. Digital copies of all cheques are shared with your broker and any nominated party immediately on issuance, before the physical documents arrive. You are not required to be present in the UAE at any stage.
Can a property broker submit a manager's cheque application on behalf of their client?
Yes. A property broker can submit a manager's cheque application on behalf of their client, provided the broker holds a valid Power of Attorney (POA) from the client. The POA authorises the broker to act on the client's behalf for the property transaction. If you are a property broker working with non-resident buyers or sellers, visit our broker partnership page to learn about the Hubpay affiliate partner programme.
Is Hubpay a licensed institution for issuing manager's cheques in UAE?
Yes. Hubpay holds a Category 3C Electronic Money Institution licence issued by the ADGM Financial Services Regulatory Authority (FSRA), Permission No. 190024. All client funds are held in segregated ring-fenced accounts at Tier-1 banking partners, entirely separate from Hubpay's operational funds. Manager's cheques are issued via tier 1 banking partners against these segregated client funds, meaning they carry the same payment guarantee as a bank-issued cheque — the funds are ring-fenced the moment the cheque is created.
Have more questions?
From anything to everything, get in touch with our support team