Personal Banking 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

• 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

Both you and your joint applicants need to complete the current account opening process by personally visiting any of our branches or customer service centres, with the following documents:

• Original passport (for all customers).
  
• Valid residence visa (for non-GCC National customers only).
• Original Emirates Identification Card (for all customers).
• Proof of UAE residence in the form of either a utility bill/rental agreement/title deed/employment letter.
• Original labour card/work ID (for female applicants on father's/husband's sponsorship).
• Original trade license (for all self-employed customers).
• For salary transfer customers, original salary transfer letter from the employer must be provided.

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 transfer a salary of AED 5,000 or above to HSBC UAE, you won’t have to pay a minimum balance fee. 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.

An 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.