Registering a will in the UAE without overpaying or being caught out.
You have probably seen the AED 799 Instagram ads on one side and the DIFC Wills Service Centre on the other, with very little in between. There is more in between than the marketing suggests — and the right answer for you depends on what you own, where you live and who depends on you.
For non-Muslim expats, Federal Decree-Law No. 41 of 2022 on Civil Personal Status confirms full testamentary freedom in the UAE. The job is to put that freedom into a registered instrument the UAE courts will execute — at DIFC, ADGM, the Abu Dhabi Judicial Department non-Muslim wills registry, Dubai Courts, the Ministry of Justice or, complementarily, your home-country embassy.
Audience
Non-Muslim expats with UAE assets
Framework
Decree-Law 41/2022 & Dubai Law 15/2017
Coverage
All seven emirates & financial free zones
What changes if you do not register a will in the UAE.
UAE assets can be frozen on death
Bank accounts in your sole name, real estate, brokerage holdings, vehicles and company shares can be locked while the courts decide who inherits. Without a registered will, your family carries the burden of proving inheritance through court — typically slow, costly, and stressful in the moment they can least afford it.
Testamentary freedom — but only if you use it
Federal Decree-Law No. 41 of 2022, Article 1(1) applies the new Civil Personal Status framework to non-Muslim citizens and residents — for marriage, divorce, inheritance, wills and parentage — unless they elect their home-country law. Article 11(1) confirms that a non-Muslim legator may leave a will with all their UAE assets to anyone of their choice. That freedom only protects you if it is captured in a registered will.
Dubai has its own dedicated framework
Dubai Law No. 15 of 2017, Article 3, applies to all wills and estates of non-Muslims in the Emirate of Dubai, including in the DIFC. Article 6(a) creates a ‘Register of Wills of non-Muslims’ at the Dubai Courts and the DIFC Courts. That is the legal anchor for your two main Dubai options.
Guardianship of minors is decided here too
If you have children habitually resident in the UAE, your registered will is where you set out who should care for them. Without it, that decision passes to the courts using default rules — which may not match what you would have chosen.
Six ways to register a will in the UAE.
DIFC is the most marketed option and the most expensive. It is also not the only one. The Abu Dhabi Judicial Department, ADGM Courts, Dubai Courts, the Ministry of Justice notaries in other emirates, and your home-country embassy each play a different role.
DIFC Wills Service Centre
Dubai International Financial Centre
Legal basis
Dubai Law No. 15 of 2017 + DIFC Wills & Probate Registry Rules (Article 9, Article 11)
Language
English
Cost band
From ~AED 10,000 (single) / AED 15,000+ (mirror)
Suited for
Complex or global estates, mirror wills for couples, guardianship of minors habitually resident in Dubai or RAK, English-only preference.
- •Schedule 1 form, in writing, signed in person by the testator.
- •Witnessed by at least two witnesses of majority — physical or virtual presence permitted.
- •Article 11 WPR Rules: covers movable and immovable property anywhere in the world.
- •Guardianship clause is enforceable only for minors habitually resident in Dubai or Ras Al Khaimah.
ADGM Courts (Abu Dhabi)
Abu Dhabi Global Market
Legal basis
ADGM common-law framework for non-Muslim wills
Language
English
Cost band
Mid-band — verify with ADGM Courts directly
Suited for
Abu Dhabi residents who want a common-law will without travelling to Dubai, and global-asset cases with an Abu Dhabi nexus.
- •Common-law principles similar to DIFC.
- •Often overlooked in cheap-wills marketing — worth comparing against DIFC for cost and convenience.
- •Sensible default for non-Muslim residents whose primary base is Abu Dhabi.
Abu Dhabi Judicial Department — Non-Muslim Wills Registry
Abu Dhabi (nationwide validity)
Legal basis
Abu Dhabi non-Muslim wills framework, in line with Federal Decree-Law No. 41 of 2022
Language
Bilingual (English / Arabic)
Cost band
From ~AED 950 registration band — verify current
Suited for
Straightforward UAE-asset estates, cost-sensitive registration, expats who want a UAE-wide non-Muslim will without DIFC pricing.
- •Recognised across all emirates for non-Muslim expats.
- •Faster, lower-cost alternative to DIFC for ordinary estates.
- •Bilingual document removes the need for separate sworn translation.
Dubai Courts — Notary Public
Dubai
Legal basis
Dubai Law No. 15 of 2017, Articles 3 and 6(a) — Register of Wills of non-Muslims
Language
Arabic (often bilingual)
Cost band
Lower-mid band — verify with Dubai Courts
Suited for
Residents wanting an emirate-level registered will for UAE-only assets, especially where Arabic-language registration is preferred.
- •Article 6(a) creates a 'Register of Wills of non-Muslims' at Dubai Courts and DIFC Courts.
- •Federal Decree-Law No. 41 of 2022 confirms non-Muslim testamentary freedom — the Sharia default no longer applies by default to non-Muslims.
- •Translation costs and Arabic drafting should be planned in.
Ministry of Justice — Notary Public (other emirates)
Sharjah, Ajman, Fujairah, Umm Al Quwain, Ras Al Khaimah
Legal basis
Federal Decree-Law No. 41 of 2022 + MoJ Notary Public framework
Language
Arabic / bilingual
Cost band
Modest — varies by emirate
Suited for
Non-Muslims resident in emirates that do not operate a dedicated non-Muslim wills registry.
- •A practical option if you live outside Dubai and Abu Dhabi and want a locally registered will.
- •Confirm the registering notary will record it under the non-Muslim framework introduced by Decree-Law 41/2022.
Home-country embassy or consulate
UAE-based diplomatic missions
Legal basis
Bilateral consular practice — varies by country
Language
Home-country language
Cost band
Varies by mission
Suited for
Complementary registration for nationals of countries whose embassies offer a wills service (UK, India, several EU states and others).
- •Useful for foreign-asset planning and as a back-up record of intent.
- •Does not replace UAE registration for UAE-situs assets — UAE courts execute wills registered through the recognised UAE registries.
Fees and turnaround times change. Verify current registration fees with each authority before booking — the figures above are bands intended for comparison.
Are those AED 799 ‘cheap wills’ legit?
Short answer: usually they are drafting templates, not registration. The AED 799 fee buys a will document, sometimes with help preparing for notarisation. It rarely covers the registration fee itself — that is paid separately to Dubai Courts, the ADJD non-Muslim registry, ADGM, DIFC or the relevant Notary Public.
That does not make these services worthless. A clean template plus an Abu Dhabi non-Muslim registry registration can be a perfectly sensible, low-cost setup for a straightforward UAE estate. The problem is when buyers think AED 799 is the total cost, or that the document alone is enforceable.
What AED 799 usually buys
- • A drafting template populated with your details
- • Some basic guidance on executors and beneficiaries
- • Help booking and preparing for the registration appointment
- • Sometimes a translation step where required
What it usually does not buy
- • Court registration with a recognised UAE registry
- • Legal review of foreign-asset coordination
- • Guardianship enforcement outside Dubai or RAK (DIFC scope)
- • Ongoing amendment when life events occur
Can you DIY a will and have it legally recognised?
You can DIY the document. You cannot DIY the registration. To be enforceable for UAE assets, the will has to be registered with one of the recognised registries above. Every registry has its own form, language and witnessing requirements.
DIFC is the strictest example. Article 9(1) of the DIFC Wills and Probate Registry Rules requires the will to be in the Schedule 1 form, in English and in writing, signed in person by the testator over the age of majority, witnessed by at least two adult witnesses (in person or virtually present in front of the Registrar), with executors of majority age, a guardianship clause only where applicable, and an express statement that the testator wants DIFC law and the WPR Rules to govern the estate.
Step 1 — Draft
List your assets, beneficiaries, executors and guardians. Be specific — title-deed numbers, IBANs, share certificates.
Step 2 — Choose registry
Match the registry to where you live, what you own and how complex your estate is. Use the comparison above as a starting point.
Step 3 — Register
Book the appointment, attend in person (or virtually for DIFC), sign with the required witnesses and pay the registration fee.
How to pick the right registry for your situation.
- If you live in Dubai with global assets and a guardianship need — DIFC is usually worth the cost. Article 11 WPR Rules covers worldwide property, the Schedule 1 form is robust, and the guardianship clause is enforceable for minors habitually resident in Dubai or RAK.
- If you live in Abu Dhabi — compare ADGM Courts and the Abu Dhabi Judicial Department non-Muslim registry. ADGM is closer to DIFC in style; the ADJD registry is the lower-cost workhorse for ordinary UAE-asset estates.
- If your estate is UAE-only and uncomplicated — Dubai Courts or the Abu Dhabi non-Muslim registry will deliver a fully registered will at a small fraction of DIFC pricing. Decree-Law 41/2022 takes care of the testamentary-freedom point.
- If you live in Sharjah, Ajman, Fujairah, RAK or UAQ — start with the local Notary Public via the Ministry of Justice and confirm registration under the non-Muslim framework. Many residents in these emirates also use the Abu Dhabi non-Muslim registry for nationwide validity.
- If you have meaningful assets back home — keep a separate home-country will for those, register the UAE will here, and check that the two do not accidentally revoke each other.
The asset checklist most templates miss.
Dubai Law 15/2017 expects a will to address all of the testator's movable and immovable, tangible and intangible property, in or outside the UAE. A good will is specific.
- UAE real estate (title-deed, Makani / community)
- Property held outside the UAE
- UAE bank accounts (with IBANs)
- Foreign bank and brokerage accounts
- Mainland and free-zone company shares
- Cryptocurrency and digital wallets
- Intellectual property and royalties
- Social media and online business accounts
- Vehicles, watches, jewellery and valuables
- Insurance and end-of-service entitlements
- Executors and alternate executors
- Guardians for minors (DIFC: Dubai / RAK only)
Seven traps to avoid.
Assuming your foreign will covers UAE assets
Most foreign wills are silent on UAE-situs property, or worse, written under a legal system the UAE courts will not apply by default. UAE assets need a UAE-registered instrument or a clear election under Federal Decree-Law No. 41 of 2022 that survives a court challenge.
Forgetting digital and intangible assets
A modern UAE estate often includes shares in mainland or free-zone companies, brokerage accounts, intellectual property, social media handles and online businesses. Listing only the villa and the bank account leaves real value undirected.
Ambiguous guardianship clauses
DIFC enforces guardianship clauses for minors habitually resident in Dubai or Ras Al Khaimah. If your child lives in Abu Dhabi or another emirate, a DIFC clause may not work — match the registry to where your family actually lives.
Missing the witness and signature requirements
Article 9(1) of the DIFC WPR Rules requires the testator's in-person signature and at least two witnesses (physical or virtual presence). A DIY document signed without compliant witnessing can be refused at registration.
Treating an AED 799 template as a registered will
A drafted document is not a registered will. Until the will is lodged with Dubai Courts, DIFC, the ADJD non-Muslim registry, ADGM Courts or a recognised Notary Public, it carries no automatic enforcement weight in the UAE.
Vague asset descriptions
‘My properties in Dubai’ is much weaker than full title-deed numbers and Makani / community references. The same applies to bank accounts, shares and IBANs — be specific so the executor can locate and transfer everything cleanly.
Registering only at an embassy
Embassy registration may help your home-country estate, but UAE courts will look for a will registered through one of the recognised UAE registries when releasing UAE-situs assets.
Common questions
Do I need a UAE will if I already have one drafted abroad?
A foreign will is not automatically enforced for UAE-situs assets. To make sure UAE bank accounts, real estate, shares and other local assets pass the way you intend, you need to register a will with one of the recognised UAE registries — Dubai Courts, the DIFC Wills Service Centre, the Abu Dhabi Judicial Department non-Muslim wills registry, the ADGM Courts, or a Notary Public via the Ministry of Justice. You can keep your foreign will for foreign assets and add a UAE will for UAE assets.
Is the DIFC Wills Service Centre worth the higher cost?
DIFC is built on common-law principles and English-language Schedule 1 forms, and under Article 11 of the DIFC Wills and Probate Registry Rules a registered will can dispose of movable and immovable property anywhere in the world. That makes it a strong fit for complex or global estates, expat couples drafting mirror wills, and parents who need a guardianship clause for minors habitually resident in Dubai or Ras Al Khaimah. For a straightforward UAE-only estate, the Abu Dhabi non-Muslim registry or Dubai Courts can deliver the same legal protection at a fraction of the cost.
Can a Muslim expat use these non-Muslim wills registries?
The DIFC Wills Service Centre, the Abu Dhabi non-Muslim wills registry and Dubai Courts' Register of Wills of non-Muslims are all reserved for non-Muslims. Muslim testators in the UAE are governed by Sharia-based inheritance principles and can document specific bequests within the limits the law allows — typically through Notary Public attestation at the courts or Ministry of Justice. If you are unsure which framework applies to you, ask Sidqo before you draft.
How long does UAE will registration take?
Once your draft is final and your supporting documents are ready (passport copy, Emirates ID, asset list, witness details), the registration appointment itself usually takes a single sitting. DIFC offers virtual registration for non-residents and faster turnaround for prepared wills. Dubai Courts and the Abu Dhabi non-Muslim registry typically complete registration within one to three weeks from booking, depending on translation and review steps.
What happens to my UAE assets if I die without a registered will?
Your UAE bank accounts and local assets can be frozen while the courts work out who inherits. For non-Muslims, Federal Decree-Law No. 41 of 2022 lets you choose between UAE law and your home-country law, but in practice your family will need to prove that election in court — a slow, expensive process. Without a registered will the default rules can produce outcomes you would not have chosen, especially around guardianship of minors and property held only in your name.
Can I update or revoke my registered will?
Yes. You can update or revoke a registered will at the same registry where it was registered. Major life events — marriage, divorce, the birth of a child, buying property, starting a company — are the usual triggers to review your will. Each registry has its own amendment fee structure and process; some allow codicils, others require a full new registration.
Are AED 799 online wills legally binding in the UAE?
What the AED 799 fee almost always buys is a drafting template and sometimes help preparing for notarisation — not court registration. A document on its own is not the same as a registered will. To be enforceable for your UAE assets, the will still has to be lodged with one of the recognised registries, and the registration fee is paid separately. Read the small print of any cheap wills service before you pay.
Can I register my will at my home-country embassy instead?
Some embassies and consulates in the UAE — for example the UK, Indian and several EU consulates — offer will registration or notarisation services for their nationals. That can be a sensible complement to your foreign estate planning, but it does not replace UAE registration for UAE-situs assets. UAE courts execute wills registered through the recognised UAE registries.
Does a DIFC will cover my assets outside the UAE?
Yes, in principle. Article 11 of the DIFC Wills and Probate Registry Rules states that a DIFC-registered will may dispose of movable and immovable property located in any part of the world. Whether a foreign court will recognise and enforce your DIFC will for assets in that jurisdiction depends on local conflict-of-laws rules — so for very complex global estates, coordinate your DIFC will with separate advice in the country where the foreign assets sit.
What is the difference between DIFC and ADGM for wills registration?
Both are common-law financial free zones with their own courts. DIFC is in Dubai and operates the longer-established Wills Service Centre under Dubai Law No. 15 of 2017 and the DIFC WPR Rules. ADGM Courts in Abu Dhabi register non-Muslim wills under their own common-law framework, and are the natural choice for many Abu Dhabi residents. The legal effect is similar; the practical decision is usually about location, fees and which courts you would prefer to administer the estate.
Continue reading
Not sure which path fits your situation?
Tell Sidqo what you own, where you live and who depends on you. You will get a clear, plain-English read on which UAE registry makes sense — DIFC, ADGM, the Abu Dhabi non-Muslim registry, Dubai Courts, the Ministry of Justice or your embassy — before you spend a dirham.
Sidqo provides AI-powered legal guidance based on UAE federal law. Sidqo is not a law firm. For estate planning involving complex assets or cross-border tax, consult a licensed UAE lawyer. Verify current registration fees with each authority.