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Advance Account

Unlock special offers and year-round privileges for dining, shopping, travel and entertainment.

Get more with an Advance Account

Open an Advance Account in minutes with the HSBC UAE app. You get everything you need for everyday banking and much more, like preferential rates, international transfers and overdraft access. 

What you get with your Advance Account

Wealth solutions

Grow your wealth potential with WorldTrader, our powerful investment platform, access a dedicated wealth advisor and protect your family's future.

International and domestic transfers

Transfer money quickly and easily via online banking, or with Global Money Transfers on the HSBC UAE app.

Global Money Account

Unlock a Global Money Account and debit card to manage, spend, send and receive money in different currencies across the world. 

Overdraft access

Get access to an optional overdraft of up to 1x your salary or AED 50,000 (whichever is lower), with no fees and no interest on the first AED 2,000. 

Preferential rates

Get preferential rates on Home Loans, Savings Accounts and Global Money Transfers.

  • Get preferential rates on Personal Loans, based on a reducing balance.
  • 50% discount on processing fees when you open an international HSBC account.
  • No charges for cash withdrawals at any bank ATM across the UAE and GCC (not available in Oman).
  • Free unlimited cheque books (available upon residency visa).

Advance Credit Card

Enjoy exclusive travel and lifestyle rewards on all your spends.

  • Enjoy your HSBC Advance Credit Card without annual membership fees.
  • Discover over 10,000 Buy 1 Get 1 Free offers in 14 countries and regions across everything.
  • Earn Air Miles on all your credit card spends and exchange them for flights, hotels and more.
  • Enjoy unlimited complimentary access to selected airport lounges worldwide with the Mastercard Travel Pass app. You can add guests for USD 32 each.

Secure online and mobile banking

Access your account from anywhere in the world, and expect seamless support and professional services that go beyond banking.

  • Fund, transact and use your account instantly when you open your account in the app
  • Move money easily between your accounts and to other accounts worldwide
  • Manage your finances and pay your bills
  • Use online banking to open new accounts and apply for additional services
  • Get 24/7 help in secure messages about any banking enquiry with Mobile Chat

Our latest offers

Get up to AED 1,500 cashback

Receive AED 1,500 cashback when you open a new Advance Account in the HSBC UAE app by 31 December 2024.

See offer Terms and conditions apply.

Exclusive cashback for Emiratis

Get AED 2,000 when you open an Advance Account with us, plus exclusive benefits available only to our Emirati customers. Terms and conditions apply (PDF, 153 KB)

Things to know

Who can apply?

To apply for Advance you must be 18 or older, opening an account for yourself, and not already banking with us in the UAE.

You must also meet one of the following eligibility criteria:

  • Deposit a monthly salary of at least AED 10,000
  • Maintain an average monthly balance in deposits or investments of at least AED 100,000, or equivalent

An original salary letter must be submitted to HSBC. A monthly salary of at least AED 10,000 must be credited to your account each month. A 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.

This product/service may be affected by changes in foreign currency exchange rates.

Correspondent and receiving banks may charge additional fees when they process the transaction.

Penalties and Fees may be applied if there is a customer error or omission in providing correct or incomplete remittance information and may cause a rejection of, or delays in, the transfer. We shall not be held liable for any potential loss.

The actual time to complete a transaction may differ from estimates due to increased scrutiny of transactions by the financial institution or entity providing financial services to the beneficiary of remittances.

For recall of payments, please contact us by any of the means listed at We may charge payment recall fee. We cannot guarantee that we’ll be able to recall the payment successfully.

Get started

Download the HSBC UAE app to apply for an Advance Account in minutes.

Before you start, check the eligibility criteria and make sure you have the required documents ready.

In-app account opening is only available in English. If you need assistance in Arabic, or want someone with you when opening your account, please visit a branch with a trusted relative, friend or adviser.

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Additional information

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