ADGM vs SPC: which free zone fits you?
A neutral comparison — no single free zone pays us more than another.
In short
ADGM (licences from about AED 5,509) and SPC (from about AED 5,750) are both UAE free zones — ADGM has the lower entry price. ADGM best suits: Financial-services firms, asset and fund managers, VCs and fintechs regulated by the FSRA; holding companies, SPVs, family offices and foundations; and Hub71-eligible tech start-ups. SPC best suits: Startups, solo founders and consultants who want one of the cheapest published entry prices in the UAE with fast, fully online licensing; e-commerce and trading businesses choosing from the 2,000+ activity list; and publishers and media businesses, given the zone's publishing heritage and Publishers Hub. No single zone pays us more, so the recommendation depends only on your activity, visa count and budget.
ADGM and SPC side by side
Approximate budgeting figures — your final quote is confirmed in writing. Government fees are passed through at cost, never marked up.
| Criteria | ADGM | SPC |
|---|---|---|
| Licence from | AED 5,509 | AED 5,750 |
| Emirate | Abu Dhabi | Sharjah |
| Location | Al Maryah Island / Al Reem Island | Sharjah Publishing City, Sharjah |
| Visas | Visas are sponsored by the ADGM entity and processed through the ACCESSADGM government-services portal. | Visa packages are configured in SPC's cost calculator rather than published as a fixed quota per licence — your allocation depends on the package and facility. |
| Activities | Activities are grouped into Financial (Category A), Non-Financial (Category B) and Retail (Category C), with a published permitted-activities list. | 2,000+ business activities are available, and SPC publishes its activity list online with a name-check tool. |
Lower entry price: ADGM.
Which one should you pick?
Choose ADGM if
Financial-services firms, asset and fund managers, VCs and fintechs regulated by the FSRA; holding companies, SPVs, family offices and foundations; and Hub71-eligible tech start-ups. The right pick when a common-law jurisdiction, a credible financial-centre address and Abu Dhabi's capital ecosystem matter more than the lowest possible licence price.
Think twice if
Businesses selling directly to UAE mainland consumers (shops, restaurants, clinics), general trading, logistics or warehousing operations (JAFZA or RAKEZ fit better), and cost-sensitive solo founders — a standard non-financial licence runs ~USD 5,800 in year one plus a mandatory office lease, unless you qualify for the tech start-up incentive or an SPV.
Choose SPC if
Startups, solo founders and consultants who want one of the cheapest published entry prices in the UAE with fast, fully online licensing; e-commerce and trading businesses choosing from the 2,000+ activity list; and publishers and media businesses, given the zone's publishing heritage and Publishers Hub.
Think twice if
Regulated financial-services firms (DIFC or ADGM fit better), businesses that specifically need a Dubai-emirate address for clients or staff, and heavy industrial or port-side operations — JAFZA, RAKEZ or UAQ FTZ industrial facilities fit those better.
Cost breakdowns
ADGM
from AED 5,509
Tech Start-up licence (incentivised, 3 years)
Hub71 eligibility approval required (average 21-day review); covers registration plus two renewals, then standard fees apply
USD 1,500 (~AED 5,509)
Non-financial licence (Category B), year 1
Name reservation, incorporation, licence, business-activity and data-protection fees; renewal USD 5,300/yr
USD 5,800 (~AED 21,300)
Retail licence (Category C), year 1
Renewal USD 2,300/yr
USD 2,800 (~AED 10,283)
Financial licence (Category A), year 1
FSRA authorisation is a separate prior process; renewal USD 16,500/yr
USD 17,000 (~AED 62,433)
SPV (special purpose vehicle)
Renewal USD 1,400/yr; no physical office required
USD 1,900 (~AED 6,978)
Foundation
Renewal USD 500/yr
USD 1,000 (~AED 3,673)
Registered office / lease
A registered office in ADGM is mandatory (except SPVs) and a lease registration fee applies; options on Al Maryah and Al Reem
Quote-based
UAE corporate tax registration
Registration with the Federal Tax Authority is free of charge
Government fee: AED 0
SPC
from AED 5,750
Business setup package
SPC's published starting price; the total is configured in its online cost calculator from activities, visas and facility
From AED 5,750 (published)
Licence with lease agreement
A lease agreement comes with every business licence
Included
Visa packages
Configured per package in the cost calculator; residency processed in as fast as 5 working days
Quote-based
Paid-up share capital
SPC requires zero paid-up share capital
AED 0
UAE corporate tax registration
Registration with the Federal Tax Authority is free of charge
Government fee: AED 0
Strengths and trade-offs
ADGM
- Direct English common law with ADGM's own courts — funds, holding structures and contract-heavy businesses get a familiar legal system.
- Transparent, published USD fee schedule from the Registration Authority — you can verify every registration fee yourself.
- Meaningful incentives: USD 1,500 three-year tech start-up licence, USD 700 social-enterprise fee, and light SPV/foundation regimes.
- One of the world's largest financial districts (14.38M sqm across two islands) with Abu Dhabi's Hub71 tech ecosystem.
- Digital-first registry: complete applications through the Online Registry Solution can be processed within a few days.
- Fees are charged in USD and sit above budget-zone level — a standard non-financial licence is ~USD 5,800 in year one versus ~AED 12,500–12,900 at IFZA or Meydan.
- A physical office is mandatory for all entities except SPVs, adding Abu Dhabi commercial rent to the real total.
- Financial activities need FSRA authorisation before incorporation — a longer and more demanding path than a non-financial licence.
- Based in Abu Dhabi — less convenient day-to-day for Dubai-centred teams and clients.
- Like any free zone, selling directly into the UAE mainland market requires additional arrangements or licensing.
SPC
- Published entry price of AED 5,750 — with the lease agreement included, the licence covers your legal address without a separate flexi-desk line.
- Speed: about 45 minutes to complete setup with an advisor, residency in as fast as 5 working days, immigration on site.
- Zero paid-up share capital and 100% foreign ownership across the 2,000+ activity list.
- Government of Sharjah backing with a fully digital portal for setup, amendments and renewals.
- Deep value-added bench: banking assistance, spouse/dependant visas, documentation, customs code and financing support under one roof.
- The AED 5,750 headline is a starting price — visas, extra activities and facilities move the calculator total up, so always compare the itemised quote.
- A Sharjah address, not Dubai: fine for most online and service businesses, but clients who expect a Dubai-emirate licence or address should weigh Dubai zones.
- No fixed published visa quota per licence — your allocation is configured per package and confirmed at quote stage.
- Like any free zone, direct mainland UAE retail requires additional licensing or arrangements.
Frequently asked questions
Which is cheaper, ADGM or SPC?+
ADGM licences start from about AED 5,509 (from / approx — incentivised Tech Start-up licence (USD 1,500 ≈ AED 5,509 at the official USD/AED 3.6725 rate) covering registration plus two renewals over 3 years; requires a Hub71 eligibility approval letter. A standard non-financial licence totals ~USD 5,800 (≈ AED 21,300) in year one. Office lease and visas are separate). SPC starts from about AED 5,750 (from / published — SPC states business setup packages start from AED 5,750; the final price is built in its online cost calculator from your activities, visas and facility, and government and visa fees are added on top). ADGM has the lower headline price, but your real total depends on visa count and office needs — always compare a written, itemised quote.
Who is ADGM best for?+
Financial-services firms, asset and fund managers, VCs and fintechs regulated by the FSRA; holding companies, SPVs, family offices and foundations; and Hub71-eligible tech start-ups. The right pick when a common-law jurisdiction, a credible financial-centre address and Abu Dhabi's capital ecosystem matter more than the lowest possible licence price.
Who is SPC best for?+
Startups, solo founders and consultants who want one of the cheapest published entry prices in the UAE with fast, fully online licensing; e-commerce and trading businesses choosing from the 2,000+ activity list; and publishers and media businesses, given the zone's publishing heritage and Publishers Hub.
How do I decide between ADGM and SPC?+
Compare licence cost, visa allocation and activity fit. ADGM: Visas are sponsored by the ADGM entity and processed through the ACCESSADGM government-services portal. SPC: Visa packages are configured in SPC's cost calculator rather than published as a fixed quota per licence — your allocation depends on the package and facility. If you are still unsure, our free zone selector or a free 30-minute PRO Health Check will confirm the better fit for your case.
Still torn between ADGM and SPC?
Tell us your activity and how many visas you need, and we'll confirm the better-fit zone and its real cost — in writing, line by line.