Real Estate Escrow UAE | Manager's Cheques for Non-Resident Buyers | Titanium Escrow
Real Estate Escrow

Buy UAE Property Without a Local Bank Account

Fast. Simple. Secure.

Manager's cheques issued within 24 hours. Purpose-built for non-resident buyers completing property transactions in Dubai, Abu Dhabi, and across the UAE — without requiring a UAE bank account.

24hrs
Cheque Issuance
All
Currencies Accepted
FSRA
ADGM Regulated
The Challenge

Why Non-Resident Buyers Need Titanium

Purchasing property in the UAE as a non-resident presents a specific practical challenge. Property transfers at the Dubai Land Department (DLD), Abu Dhabi Municipality (ADM), or ADGM require payment in the form of UAE manager's cheques — certified bank instruments guaranteed by a UAE bank.

International buyers do not have UAE bank accounts. Opening one as a non-resident can take months and is frequently declined. Overseas banks cannot issue UAE manager's cheques. Without a solution, the transfer appointment cannot proceed.

Titanium Escrow provides the regulated solution. You transfer your purchase funds to your dedicated Titanium custody account, and we issue the required manager's cheques on your behalf — drawn on our Emirates NBD account — typically within 24 hours of receiving cleared funds.

"
Besides the entire process you offer, I truly admire the direct, accurate, and speedy service. In real estate, time is crucial. A deal can be jeopardised within minutes. With your team, by the time the client decides to sign a contract, the cheques and funds are already in place.
K. — Property Conveyancer, Dubai
How It Works

Four Steps to Completion

A streamlined, fully digital process. Your dedicated relationship manager guides you through each stage.

Step 01
1–2 Days
Onboarding & Due Diligence
Upload your documents to our secure portal. Our compliance team completes KYC and AML verification. You are assigned a dedicated relationship manager who guides you through every step of the process.
Step 02
Same Day Upon Approval
Custody Agreement
Your relationship manager prepares your Custody Agreement identifying Titanium Escrow as your regulated fundholding partner. Your account is active and ready to receive transfers within 24 hours of signing.
Step 03
1–3 Days
Funds Transfer
Transfer your purchase funds in your preferred currency to your dedicated Titanium custody account at Emirates NBD. We confirm receipt and keep you updated throughout the transfer process.
Step 04
Within 24 Hours of Funds Receipt
Manager's Cheque Issuance
Your relationship manager prepares a Release Instruction authorising Titanium to issue manager's cheques on your behalf. Cheques are coordinated for your transfer appointment — all parties confirmed before you arrive.
Getting Started

What You Need to Open Your Account

Our compliance team will guide you through any additional requirements specific to your transaction. Documents can be submitted digitally through our secure portal.

Valid government-issued photo ID (passport)
Bank statements with proof of funds
Purchase Agreement or Memorandum of Understanding
Seller's passport copy (for DLD/ADM Form F)
FAQs

Common Questions

How quickly can you issue a manager's cheque?
We issue manager's cheques drawn on an Emirates NBD account within 24 hours of receiving confirmed cleared funds in your custody account.
What currencies do you accept?
We accept all major currencies including AED, USD, GBP, EUR, and SAR. We provide competitive exchange rates and do not accept cryptocurrency or cash.
Where are my funds held?
In a dedicated, segregated custody account with Emirates NBD — the UAE's flagship commercial bank, rated A2 by Moody's and A+ by Fitch. Funds are never commingled with operating funds.
What transactions do you support?
Residential and commercial secondary market purchases across Dubai (DLD), Abu Dhabi (ADM), and ADGM. Off-plan transactions where manager's cheques are required. Contact us for institutional or portfolio transactions.
What compliance procedures apply?
Full KYC and AML checks on all parties in accordance with the ADGM AML/CFT Regulatory Framework and UAE Central Bank requirements. Enhanced due diligence applied to all transactions.

Begin Your Onboarding

Contact us directly to start the process. Accounts activated within 24 hours of compliance clearance.

+971 4 880 9456 · info@titaniumescrow.ae

Get Started