
HSBC Personal Banking Account
Discover the quickest way to apply.
Benefits
- No minimum balance fee for salary transfer of AED 5,000 and above
- Cash withdrawals at any bank ATM in the UAE and 1 balance enquiry at any bank ATM per month with no fees
- International money transfers on INR, PKR, EGP3, PHP with no fees
- Overdraft access of up to 2 salary multiples or AED 30,000 (whichever is lower) with no fees, and no interest on the first AED 5004
- Choice between AED, USD, GBP and Chinese Renminbi account currencies
- International Visa Debit Card accepted at over 25 million outlets worldwide, giving you access to your accounts at over 1 million ATMs around the world
- 24/7 banking through online banking, phone banking, mobile banking and SMS alerts to manage your money
- Cheque book issued for no fee
- Up to 10% off British Airways airfares when you book with your HSBC Personal Banking Debit Card
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 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.
Not sure if this account is right for you?
1No annual fees is applicable only for Premier, Advance and Visa Platinum Credit Cards. Annual fee of AED 1,500 applies to the HSBC Black Credit Card and AED 299 applies to the HSBC Cashback Credit Card.
2HSBC Credit Card Agreement Terms, fees and charges apply. Air Miles, VOX Cinemas and Entertainer Terms and Conditions apply.
3If charge type "All charges to be paid from my account" is selected, the correspondent bank will not deduct any of its charges from the remittance amount and there will be no money transfer charges by HSBC U.A.E. for transfers of Indian Rupee to India, Pakistani Rupee to Pakistan, Egyptian Pound to Egypt and Philippine Peso to the Philippines.
4Upon request, subject to credit eligibility and satisfactory Credit Bureau check.
HSBC Platinum Select Credit Card
Your HSBC Platinum Select Credit Card includes hundreds of exciting offers on entertainment and dining with no annual fee, and a minimum monthly salary requirement of AED 10,000.
Key benefits include:

- Air Miles rewardsEarn 1 Air Mile for every AED 4 spend on your card and redeem for flights, hotels and retail vouchers.
- Exclusive dining privilegesComplimentary HSBC ENTERTAINER app, along with hundreds of offers from the I Love Dining programme. Enjoy airport dining offers at over 200+ locations globally with the Dragon Pass Dine & Travel programme. Terms and conditions apply.
- 0% Flexi Instalment Plan (FIP)You can make purchases using your HSBC Platinum Select Credit Card and pay in easy monthly instalments at 0% interest.
- Cinema privileges'Buy 1 Get 1 Free' movie offers covering 2D, 3D, 4D and other premium experiences across UAE.
Documents required to apply
Sole account
- 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
Joint account
Both you and your joint applicant(s) 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
Things you should know
Don't have an Emirates ID yet?
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.
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.
Apply online
New to HSBC UAE
Instantly confirm your eligibility. Once you've applied, you could get an approval in principle in just 5 minutes.
If you don't have an Emirates ID yet, you can still open an account and give us an Emirates ID within 75 days. After that, your account will be frozen until we receive your ID.
Existing HSBC UAE Customers
Log on to online banking for the quickest and easiest way to apply.
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