Top of main content

Personal Banking Account

Unlock a range of features and benefits to help you dream even bigger.

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. 

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 2 x your salary or AED 10,000 (whichever is lower), with no fees and no interest on the first AED 500.[@overdraft] 

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.

Preferential rates

Get preferential rates on Home Loans, Savings Accounts and Global Money Transfers.

  • International money transfers in INR, PKR, EGP, PHP with no fees.[@transferfee]
  • Get a cheque book issued for no fee.

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, plus 20% 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

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.

You might also be interested in


Enjoy rewards and earn Air Miles on everyday spends. 


Unlock special offers and year-round privileges for dining, shopping, travel and entertainment. 


View, manage, spend and send money like a local, from anywhere in the world, all from your mobile. 


Trade securely with competitive fees online and in the HSBC UAE app. 

Additional information

    Listening to what you have to say about services matters to us. It's easy to share your ideas, stay informed and join the conversation.