Personal Banking Account

For a payment to be counted as salary, it must be a sum of money transferred to your account on a regular monthly basis with a transaction description of 'Salary' (or an equivalent, such as 'Sal'). It can include allowances, incentives or other benefits, as long as they're part of this same payment. Any payments that are occasionally made separately to your account won't be classed as salary, and therefore won't count towards your account eligibility.

• 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).

Debits from your account will be restricted until we verify your documents. We’ll get in touch within 3-5 days or send you an email once your account is fully ready for use.

If you're looking for a lower cost option, you could consider a Personal Banking Account. Not only does it offer our lowest eligibility criteria for a single account, it also has the lowest fees if you don't meet them. See our Schedule of Services and Tariffs (PDF, 483KB) for details.

An HSBC account comes with a debit card and monthly statements. Please refer to our Schedule of Services and Tariffs (PDF) 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.