Refer a friend offer

Receive 600 AED for every friend who transfers their salary into a new HSBC account. Find out more.

Why join HSBC Advance?

Benefits of the Advance account:

  • No charges for cash withdrawals at any bank ATM across the UAE and GCC1
  • Preferential rates on personal loans
  • Free instant international fund transfers through online and mobile banking via Global View and Global Transfers between your global HSBC accounts2
  • Free global emergency cash up to USD 10,000 from any HSBC branch abroad in case you lose your wallet while travelling abroad3
  • 50% discount on processing fee for international HSBC account opening
  • Current account available in multiple currencies (AED, USD, GBP and EUR)
  • Enjoy fee-free overdrafts at preferential rates starting from AED 10,000, the first AED 2,000 of which is interest-free4

1This service is not available in Oman.

2Global Transfers are effected instantly (typically within 6 seconds from submitting the required information) for supported currencies. Visit the Money Transfers page to find out more about Global Transfers and see a list of supported currencies.

3Subject to availability of funds in your account(s) and confirmation from your country of residence. One global emergency encashment per 48 hours is allowed.

4Upon request. Subject to availability. Terms and Conditions apply. 

HSBC Advance Credit Card

Enjoy special offers and privileges all year round covering dining, shopping, travel and entertainment:

  • No annual fee: enjoy your HSBC Advance Credit Card without any annual membership fees
  • HSBC Entertainer Mobile App: Free download of our 'Buy 1 Get 1 Free' mobile app with over 8,000 offers across 15 countries
  • Valet Parking: At selected Valtrans locations around Dubai, get up to 4 free visits per month with your HSBC Advance Credit Card, subject to a minimum monthly spend of AED 3,000 with your card
  • Air Miles rewards - Spend anytime, anywhere with your HSBC Premier Credit Card & earn 1 Air Mile for every AED 1 spent.
  • Airport Lounges Access – unlimited complimentary access for you and your supplementary cardholders to a select number of airport lounges worldwide through LoungeKey™

Entertainer, Valtrans, VOX Cinema, and Air Miles terms and conditions apply in relation to these offers.

More Advance account benefits

Loans to meet your financial needs

Sometimes, you want money fast but you don't want to wait. With an HSBC Personal Loan, you can help yourself to the cash you need, exactly when you need it – whether you've just recently landed in the UAE or have just started a new job.

  • Competitive interest rates6
  • Loan approval in less than 30 minutes7
  • Flexible repayments from 12 to 48 months

6Based on reducing balance.

7The approval is conditional based on the information provided. The approval is subject to the validation of information and documentation provided. HSBC reserves the right to withdraw the offer at any time.

The benefits and features set out above are current as at the date they appear on our website. However, they may be subject to change at any time at our discretion. We will try to notify existing customers of any changes that may impact them either in advance of the change or shortly afterwards.

Eligibility criteria

  • Minimum monthly salary transferred to an HSBC account17 of AED 15,000 or more or,
  • Minimum monthly average balance in deposits and/or investments of AED 100,000 (or equivalent in foreign currency) or more or, 
  • For employees of CEP companies only - Get a personal loan and upgrade to HSBC Advance18

17Original salary letter must be submitted to HSBC. A minimum salary amount of AED 15,000 must be credited to your account each month. Monthly service fee per account may apply if the eligibility criteria are not met. Please refer to our Schedule of Tariffs, as amended from time to time, for more information.

18Terms and conditions apply. Minimum monthly salary transfer between AED 10,000 to AED 14,999 is required. (CEP – Corporate employee programme)

Documents required to apply

  • Original passport (for all customers)
  • Valid residence visa (for non-GCC national customers only)
  • Original labour card / work ID (for GCC national customers only)
  • Proof of UAE residence19 in the form of either a utility bill/rental agreement/employment letter dated within the last 2 months

Additional documents required for Advance by salary-based eligibility criteria:

  • Original trade licence (for all self-employed customers)
  • Salary certificate (for customers working in government/public sector companies)20   
  • Salary transfer letter (for customers working in private sector companies) residents20


For joint accounts, both you and your joint applicant(s) need to complete the account opening process by personally visiting any of our branches or customer service units with the required documents.

We may request further information or documentation from you, in order to comply with the Foreign Account Tax Compliance Act (FATCA)

19To prove you are a UAE resident, we will need to see a utility bill, rental agreement/title deed or employment letter dated within the last two months.

20For joint accounts, only one applicant is required to provide the salary certificate or salary transfer letter.

Get AED 600 when you refer a friend

Opening an HSBC Advance Account is quick and simple - plus you get AED 600 for every friend that transfers their salary into a new HSBC account.

This offer is available to customers that meet certain eligibility criteria.

Apply online

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