Advance Account

• 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

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).

If you are a salaried customer and your salary is transferred to HSBC UAE, you will not be required to maintain a minimum balance or a relationship balance with us for any account that you open with us. If you stop transferring your salary to HSBC UAE, then a fee may be applied as per the Schedule of Services and Tariffs.

If you are a non-salary transfer customer, a lower cost option for you to consider is to have a personal banking proposition, and open a Flexi or E-Saver account, as you will not be required to maintain a minimum balance in those accounts. If you choose a different proposition or open a different account type, then a fee may be applied for not maintaining a minimum balance as per the Schedule of Services and Tariffs.

This HSBC account comes with a debit card and monthly statements. Please refer to our Schedule of Services and Tariffs 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.

You can also visit us in branch to discuss your bank account needs.

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.