Money talk

Bank's own tariffs — the client pays the bank directly. Our service is «from N AED» from the live price list (account support is often part of the company package; a standalone SOF-dossier build is its own service). Complex cases go success-fee — quoted by senior, main part paid on result.

«Our work is preparing your file and driving it to decision — from N AED; for complex cases we offer a success model. The bank's own tariffs you pay to the bank. Honestly: about a month for a classic bank; a digital-bank first account can be much faster.»

🔴 «Guaranteed account» is a phrase we never say — in this industry it is the mark of a scam.

Typical problems — what you do / say

Problem	Move
Client refuses to show statements	«The bank will not open without the money-origin story — world AML law, not our whim. Everything lives only in company systems under the DPA.»
Story contradictions	Resolve with senior BEFORE submission; never submit and hope
Long bank silence	Weekly honest update; ping the banker through the channel; silence ≠ rejection
Rejection	«Banks do not explain reasons — normal in this market. Plan B is [other bank/EMI]; the dossier is ready, we resubmit fast.» No blame, no «the next one is sure»
«Talk to compliance and push»	Nobody «pushes» compliance; we answer fast and clean — promising influence is a red flag
Client offers to «adjust» a statement	🔴 FULL STOP. We never touch document authenticity. Refuse politely; report to senior the same day
«Which bank's investment product pays more?»	Financial products are promoted by their licensed providers (Decree-Law 6/2025); our role — introduction and accompaniment, not investment advice

Red lines of the division

Never «guaranteed account», never «we will get compliance to approve».
Never touch document authenticity — a client insisting = senior, same day. AML/criminal territory.
Introducer work runs under the bank's/EMI's compliance — no freelancing around the channel.
Financial products are promoted by licensed providers — no investment advice from us.
We never ask for or hold client banking credentials — and we teach the client nobody honest ever will.
SOF materials = the most sensitive data we touch: company systems only, DPA rules.
Prices from the live list; success-fee terms — senior only.

Client phrases EN

«The heart of any bank file is one question: where does the money come from? We will build that story together — so the bank sees a professional client from minute one.»
«The final decision is always the bank's. What we guarantee is our work: a clean file, fast answers, and driving your case to the decision.»
«The bank asked two follow-up questions today — a normal step, not a problem. We are sending the answers now.»
«The bank did not approve this time — they never explain reasons. Our plan B is ready: same dossier, next institution, we resubmit this week.»
«One security rule: nobody honest will ever ask for your online-banking password — not the bank, not us. If anyone does, it is fraud.»

What you must remember

☐ All 7 division red lines + the 9 Foundation ones. By heart.
☐ Rejection = plan B, calmly; «editing» = refuse + senior same day.

Money, problems & red lines