My wife was a joint holder in my NBD dubai account...

We would like to inform you that you cannot file a complaint against the bank because the joint account states that it urges either spouse to act alone with the money in this account

But if the divorce takes place and the contract with the bank provides for the cancellation of the joint account in the event of divorce

In this case, you have to file a case against your ex-wife asking her to recover the money, along with submitting the divorce deed to the court, provided that the withdrawal of the money took place after the divorce