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  1. rowena

    Best Country with Best Digital Bank

    All banks will close your account once they notice you're using a personal account for business purposes. You can open a freezone company and a bank account in Dubai but it will take time 3-4 weeks and cost you min $10K.
  2. rowena

    Russian Citizenship by Investment

    Lots of Russians are moving to Dubai and most of them are wealthy not the middle class. They're paying several million usd for their new apartments and enjoying G wagons.
  3. rowena

    Tax: American citizenship renunciations to benefit UAE and global CBI

    If you're not a billionaire or world famous celebrity then not possible right now. I am expecting a CBI program in the near future because they have already announced it. I believe they will require 5M AED($1.4M) real estate investment for citizenship.
  4. rowena

    Service Providers for substance

    What is included in the substance package exactly?
  5. rowena

    Why people paying fee for custody or wealth management , when you can buy low fee index fund etf by yourself ?

    Probably higher return with lower fees. The rates are very high plus you will pay swiss stamp tax. I closed my UBS account several years ago. Switzerland is good for CH residents or $100M+ people. Why don't you check other stable jurisdictions Luxembourg or Singapore? This.
  6. rowena

    Why people paying fee for custody or wealth management , when you can buy low fee index fund etf by yourself ?

    Not possible especially with UBS.
  7. rowena

    Why people paying fee for custody or wealth management , when you can buy low fee index fund etf by yourself ?

    The custodian structure already protects you from risks. You can simply go with 1 private bank and 1 broker. No one of them. They're highly focused on selling bulls**t wealth management products. Go with a bank that is focused on self trading like Standard Chartered. Even if SC fails, your...
  8. rowena

    Suggested setup for freelance software dev

    Your business profit is very low to spend time or money to save taxes. I suggest you focus on your business and pay your taxes because your growth depends on your business profit at this stage, not tax optimization. You can start considering your business optimization options after a $150-200k...
  9. rowena

    SEPA banks / EMI for Dubai UAE companies?

    Correct. App Store sales are not subject to WHT. I already shared. Try Payoneer, Paysera, and Finductive. They all have different pricing and don't expect cheap as Wise but the cheapest one is Paysera.
  10. rowena

    SEPA banks / EMI for Dubai UAE companies?

    Yes. We're in the app development and marketing business.
  11. rowena

    SEPA banks / EMI for Dubai UAE companies?

    My business is low risk(my clients are Google and Apple) and 3S asked for 2000 eur as an onboarding fee + 500 eur monthly fee + fixed fees for every transaction. I already have accounts with top-tier EMIs and real banks and paying very low fees. 3S Money is trying to rip off all non-EU clients.
  12. rowena

    SEPA banks / EMI for Dubai UAE companies?

    OFX and TorFX are trash. Currenxie works but very limited features(ex. you can't send money under your company's name). Airwallex doesn't onboard UAE companies they will just waste your time. 3S Money is overpriced and their onboarding fee is about 2000 eur. Paysera works but accepts only...
  13. rowena

    what could possibly go wrong - DUBAI Freelance

    As I expected, you do not know how TECOM and freelance permit work. The first thing is that TECOM does not offer their freelance permit. If you get a freelance license from TECOM, then your license permit will be issued by DDA(Dubai Development Authority) and it is a sole practitioner permit. I...
  14. rowena

    what could possibly go wrong - DUBAI Freelance

    Why you're still copying/pasting information about freezones? We're talking about freelance licenses... Do you think freezone and freelance are the same thing?
  15. rowena

    what could possibly go wrong - DUBAI Freelance

    I provided a link from the Ministry of Finance that clearly shows freelance licenses are subject to CT, but you are still trying to deny it. I have a different link for your situation, please check it below. Warning Signs of Mental Illness - Psychiatry.orghttps://www.psychiatry.org Ӽ...
  16. rowena

    what could possibly go wrong - DUBAI Freelance

    Green visa is official announced but still no one got it because process is complicated and probably they not started to issue yet. https://www.reddit.com/r/dubai/comments/y5d579
  17. rowena

    what could possibly go wrong - DUBAI Freelance

    There aren't 2454 different freelance permits. It is DDA for Dubai or ADDED for Abu Dhabi but certainly there is no such thing as "mainland freelance". Anyway as I said before all freelance licenses are subject to corporate tax, period. You can check the official link below ;)...
  18. rowena

    what could possibly go wrong - DUBAI Freelance

    Stop spreading misinformation. There is no such thing as "mainland freelance". All freelance licenses are subject to CT and of course above the $100K threshold like all entities. Check the official FTA website.
  19. rowena

    How much money to hold in CIM Banque?

    Yes, they were ok with a remote opening from UAE without visiting Singapore. I don't know your country and it can be different for you.
  20. rowena

    Legal representative in UAE

    Unfortunately, you should not expect European-level service in UAE. The banking and financial system is not developed very much.

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