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Personal Banking Account

Packed with features and benefits to help you dream even bigger.

Convenient everyday banking

Discover a more rewarding banking relationship with the Personal Banking Account, the 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. 

Free cash withdrawals

No fees for cash withdrawals from any bank ATM in the UAE, and 1 free balance enquiry at any bank ATM per month.

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
  • Manage your international transfers easily from the mobile app
  • Transfer in up to 60 currencies, with no HSBC fees to pay[@transferfee].

Cashback Credit Card

Turn everyday spends into cashback, plus enjoy credit portability from your home country and a range of travel and lifestyle rewards. 

  • 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 apply for a Personal Banking Account you must be 18 or older, opening an account for yourself, and not already banking with us in the UAE.

You must also be a UAE resident, or have your residency in progress, and meet one of the following eligibility criteria:

  • a minimum monthly salary transferred to the account of AED 5,000 or more
  • a minimum monthly average balance in deposits and / or investments of AED 3,000 (or equivalent in foreign currency) or more

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

Apply in our app

Download the HSBC UAE app to apply for a Personal Banking Account in minutes.

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

Before you start, please have the following documents ready:

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

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. 

Apply online

It's simple and easy to open a bank account online, whether you’re in the UAE or applying from another country.

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Additional information

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