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Advance Account

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 and international transfers.

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Get AED 1,500 cashback

Receive AED 1,500 cashback when you open a new Advance Account in the HSBC UAE app by 31 December 2025.

You must download and activate the HSBC UAE app within 30 days to be eligible for this offer

See offer Terms and conditions apply.

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.

Term Deposit Account

Make the most of your money with our latest promotional rates.

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.
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).
International account opening services with no fees for destinations around the world.
Instant fee-free Global Money Transfers[@gm-transfers] between your accounts.

Advance Credit Card

Enjoy exclusive travel and lifestyle rewards on all your spends.

Enjoy your HSBC Advance Credit Card without annual membership fees.
Get up to 50% off dining bills at over 4,000 restaurants across the UAE with your complimentary Zomato Gold membership. Learn more.
Earn rewards on all your credit card spends and exchange them for flights, hotels and more.
Enjoy 4 complimentary visits a year to selected airport lounges worldwide with the Mastercard Travel Pass app. You can add guests for USD 32 each.

Find out more

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

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:

Transfer 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 (PDF), as amended from time to time, for more information.

For a payment to be counted as salary, it must be a sum of money transferred to your account on a regular monthly basis with a transaction description of 'Salary' (or an equivalent, such as 'Sal'). It can include allowances, incentives or other benefits, as long as they're part of this same payment. Any payments that are occasionally made separately to your account won't be classed as salary, and therefore won't count towards your account eligibility.

UAE residents

Physical Emirates ID
Physical passport
Proof of income, such as a salary certificate, bank statement dated within the last 3 months, for business owners - company's last 3 months' bank statements
Proof of UAE residence address, such as a utility bill, tenancy contract, Ejari number, title deed or letter from employer

New to the UAE

Physical passport
Proof of income, such as a salary certificate, bank statement dated within the last 3 months, for business owners - company's last 3 months' bank statements

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).
Salary transfer letter (for customers working in private sector companies).

For joint accounts, both you and your joint applicants need to complete the account opening process by personally visiting any of our branches or customer service units with the required documents. Only one applicant is required to provide the salary certificate or salary transfer letter.

Please note, that we may request further information or documentation from you, in order to comply with the Foreign Account Tax Compliance Act (FATCA) and Common Reporting Standards (CRS).

Find out more about CRS

Debits from your account will be restricted until we verify your documents. We’ll get in touch within 3-5 days or send you an email once your account is fully ready for use.

If you're looking for a lower cost option, you could consider a Personal Banking Account. Not only does it offer our lowest eligibility criteria for a single account, it also has the lowest fees if you don't meet them. See our Schedule of Services and Tariffs (PDF, 483KB) for details.

This HSBC account comes with a debit card and monthly statements. Please refer to our Schedule of Services and Tariffs (PDF) for a complete list of services along with any fees and charges associated with them.

If you’ve applied for a residency visa and don’t have your Emirates ID yet, you’ll have 75 days from opening your account to give it to us. After that, you won’t be able to make digital payments or use your cards until we receive your Emirates ID.

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 https://www.hsbc.ae/help/contact/. 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.

Find a branch

Advance Account

Get more with an Advance Account

Get AED 1,500 cashback

What you get with your Advance Account

Wealth solutions

International and domestic transfers

Global Money Account

Term Deposit Account

Preferential rates

Advance Credit Card

Secure online and mobile banking

Things to know

Who can apply?

What counts as salary?

What you'll need

Need a more accessible account?

Services and fees

Don't have an Emirates ID yet?

Important documents

Get started

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Advance Credit Card

Global Money Account

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Additional information

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