Convenient everyday banking
Open a Personal Banking Account in minutes with the HSBC UAE app. Discover a more rewarding banking relationship with our everyday current account that comes with great benefits.
Get up to AED 1,000 cashback
Open a Personal Banking Account and take out a selected HSBC credit card, and we'll give you AED 800. Plus AED 100 the first time you use your card in your mobile wallet, and AED 100 when you apply for your first supplementary card and use it for 1 transaction.
To qualify, you'll need to transfer your monthly salary within 3 months of opening the account for 6 consecutive months. Credit Card Cashback T&Cs and NTB Welcome Offer T&Cs apply.
What you get with your Personal Banking Account
International and domestic transfers
Transfer money quickly and easily via online banking, or with Global Money Transfers on the HSBC UAE app.
Available in multiple currencies
Open an account in a choice of global currencies (AED, USD, GBP, EUR and Chinese Renminbi).
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 500.[@overdraft]
Savings to suit you
Plan ahead with a range of competitive, easy access and long term savings accounts to suit your needs.
Multi-currency payments made easy
Fast, easy, flexible. A Global Money Account lets you move and send money around the world, all from one place.
- Hold up to 21 currencies in a single account
- Hold, convert and send money with no minimum balance
- Manage your international transfers easily from the mobile app
- Transfer in up to 60 currencies, with no HSBC fees to pay[@transferfee]
Live+ Credit Card
Open a Personal Banking Account with a monthly salary of over AED 5,000 and you can also apply for an HSBC Cashback Credit Card.
- Earn 5% (up to AED 200) on fuel and 2% (up to AED 200) on groceries and education per statement cycle when you spend at least AED 3,000 a month
- Earn 0.5% on all other spends, and when you spend less than AED 3,000 a month
- Enjoy thousands of offers and access to top lifestyle and entertainment venues with the HSBC ENTERTAINER app.
- Buy 1 Get 1 Free movie tickets every month, up to 25% off food and drink at cinemas across the UAE.
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 open a Personal Banking Account, you’ll need to:
- Be 18 or over
- Be a UAE resident or have your residency in progress
- Have a monthly salary of at least AED 5,000
To avoid monthly service fees, you’ll need to maintain an average monthly balance of at least:
- AED 3,000 if it's an AED account
- USD 500, GBP 500, EUR 500 or CNY 5,000 if your account is in one of these currencies
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 a Personal Banking 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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