Global Money multi-currency account

The daily limits for your multi-currency Global Money debit card will vary depending on which account you choose.

Premier Account

• ATM withdrawal limit: ⃃25,000 a day (or equivalent in another currency)
• Point of sale purchase limit:  ⃃60,000 a day (or equivalent in another currency)

Advance Account

• ATM withdrawal limit: ⃃15,000 a day (or equivalent in another currency)
• Point of sale purchase limit:  ⃃40,000 a day (or equivalent in another currency)

Personal Banking Account

• ATM withdrawal limit: ⃃10,000 a day (or equivalent in another currency)
• Point of sale purchase limit:  ⃃20,000 a day (or equivalent in another currency)

Private Bank Account

• ATM withdrawal limit: ⃃50,000 or currency equivalent a day
• Point of sale purchase limit: ⃃100,000 or currency equivalent a day 

Your Global Money debit card gives you access to a range of benefits and offers to help you save money, shop with confidence and travel in more style. The benefits you'll receive will vary depending on which account you choose.

Premier Account

• Access a range of offers for HSBC debit card holders, including a complimentary Zomato Gold membership
• Enjoy a range of benefits courtesy of Visa, including airport lounge access, concierge services, hotel and car rental discounts, plus offers on shopping, dining and experiences

Advance Account

• Access a range of offers for HSBC debit card holders, including a complimentary Zomato Gold membership
• Enjoy a range of benefits courtesy of Visa, including discounts on shopping, dining and experiences

Personal Banking Account

• Access a range of offers for HSBC debit card holders, including a complimentary Zomato Gold membership
• Enjoy a range of benefits courtesy of Visa, including discounts on shopping, dining and experiences

Private Bank Account

• Access a range of offers for HSBC debit card holders, including a complimentary Zomato Gold membership
• Enjoy a range of benefits courtesy of Visa, including airport lounge access for yourself and a guest concierge services, hotel and car rental discounts, plus offers on shopping, dining and experiences

Global Money is the name for our range of multi-currency current accounts.

In your Global Money account, you can hold up to 21 different currencies, with the UAE dirham (AED) as your primary currency.

With your Global Money account, you can easily:

All 21 currencies sit under a single account number and IBAN, which means you an receive funds in the sender's currency directly into your account.

Your Global Money debit card is a Visa debit card that's linked to your Global Money account.

You can use it to pay anywhere that accepts Visa debit cards, all around the world.

This means you can use it to pay:

You can also use it to withdraw cash from any ATM that supports Visa cards worldwide. There are no foreign currency conversion fees when you withdraw in up to 20 currencies[@igma-conversion-fees].

Yes, you can use your Global Money debit card to make contactless payments. Just look for the contactless symbol and tap your card to pay.

However, you can’t use contactless to withdraw money from an ATM or to make a point of sale cash withdrawal (sometimes known as 'cashback').

Your physical Global Money debit card will be ready to use as soon as it arrives. There's no separate activation step to worry about.

You can also use your digital Global Money debit card right away. Just add it to Apple Pay, Google Pay or Samsung Pay and you can start using it immediately.

Want to view or change your PIN? Here's what to do:

Unlike most 'traditional' current accounts, our Global Money accounts are multi-currency current accounts that allow you to manage multiple currencies from a single account.

Here are some of the main differences between our Global Money accounts and traditional bank accounts:

Yes, you can receive direct payments in any of the 21 currencies we support.

If a payment is made in the same currency as the sender's account, we process it without applying an exchange rate.

We won't charge you any fees for receiving these payments, but the sender's bank or another bank in between (known as a 'correspondent' bank) may add their own charges. We don't control those.

For more details on charges, please refer to our Schedule of Services and Tariffs (PDF).

How to find your details for receiving a payment:

You can also find this information in your Global Money statements. So it's always easy to reach.

The auto-debit feature helps make sure your card transactions are processed, even when you don't have enough money in the currency you're spending.

If you don't have enough in your spending currency, we'll top up the difference from your AED balance. This happens automatically, so your transaction can still go through.

It's important to note that:

Whether you get charged for withdrawing cash will depend on where you are and which ATM you use.

ATMs in the UAE

We won't charge you anything for using your Global Money debit card at an HSBC ATM. However, other banks or ATM operators may charge you AED 2 if you use a non-HSBC ATM.

ATMs abroad

If you withdraw one of our 20 supported foreign currencies:

If you withdraw a currency that isn't supported:

For a full list of fees and charges, please see our Schedule of Services and Tariffs (PDF).

Transactions in supported foreign currencies

If you make a transaction in one of the 20 foreign currencies we support and have enough money in that currency, no additional fees will apply.

If you don't have enough in that currency, the missing amount will be automatically converted from your AED balance using our exchange rate at the time of the transaction. You won't be charged a foreign currency conversion fee.

We can't use your other foreign currency balances to cover the missing amount. Only your AED balance will be used.

Transactions in unsupported currencies

If you make a payment in a currency that isn't supported, the amount will be converted from your AED balance using the Visa daily exchange rate. Visa may charge additional fees, and we may also charge you a foreign currency processing fee.

Transactions in AED

If you use your card to pay in AED while you're abroad (whether online or at a point of sale), you may be charged a processing fee.

For a full list of fees and charges, please see our Schedule of Services and Tariffs (PDF).

You can hold the following currencies in your Global Money account. We may add or remove currencies over time, and this can happen without prior notice.

It's a good idea to check this list from time to time, so you always know which currencies are available.

You can send faster transfers within an hour[@all-transfer-timings-are-approximate] to:

India, Pakistan

You can send faster transfers in as little as 1 day[@all-transfer-timings-are-approximate] to:

Andorra, Australia, Austria, Bangladesh, Belgium, Bulgaria, Colombia, Croatia, Cyprus, Czech Republic, Democratic Republic of Congo, Denmark, Estonia, Finland, France, French Guiana, Germany, Ghana, Gibraltar, Greece, Guadeloupe, Guam, Guernsey, Holy See (Vatican City State), Hong Kong, Hungary, Iceland, Indonesia, Ireland, Isle of Man, Italy, Japan, Jersey, Latvia, Liberia, Liechtenstein, Lithuania, Luxembourg, Malaysia, Malta, Martinique, Mauritius, Mexico, Mayotte, Monaco, Morocco, Netherlands, New Zealand, Nigeria, Norway, Poland, Portugal, Romania, Saint Pierre and Miquelon, San Marino, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, Sri Lanka, Sweden , Switzerland, Thailand, Uganda, United Kingdom, United States of America, Vietnam.

You can send standard transfers in approximately 1 to 3 days to:

Afghanistan, Åland Islands, Albania, Algeria, American Samoa, Angola, Anguilla, Antarctic Treaty, Antigua and Barbuda, Argentina, Armenia, Aruba, Azerbaijan, Bahamas, Bahrain, Barbados, Belarus, Belize, Benin, Bermuda, Plurinational State of Bolivia, Bosnia and Herzegovina, Botswana, Bouvet Island, Brazil, British Indian Ocean Territory, Brunei Darussalam, Burkina Faso, Burundi, Cambodia, Cameroon, Canada, Cape Verde, Cayman Islands, Central African Republic, Chad, Chile, China, Christmas Island, Cocos (Keeling) Islands, Comoros, Congo, Cook Islands, Costa Rica, Côte D'Ivoire, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Ethiopia, Falkland Islands (Malvinas), Faroe Islands, Fiji, French Polynesia, French Southern Territories, Gabon, Gambia, Georgia, Greenland, Grenada, Guatemala, Guinea, Guinea-Bissau, Guyana, Haiti, Heard Island and Mcdonald Islands, Honduras, Iraq, Israel, Jamaica, Jordan, Kazakhstan, Kenya, Kiribati, Republic of Korea, Kuwait, Kyrgyzstan, Lao People's Democratic Republic, Lebanon, Lesotho, Libya, Macao SAR, North Macedonia, Madagascar, Malawi, Maldives, Mali, Marshall Islands, Mauritania, Federated States of Micronesia, Republic of Moldova, Mongolia, Montenegro, Montserrat, Mozambique, Namibia, Nauru, Nepal, New Caledonia, Nicaragua, Niger, Niue, Norfolk Island, Northern Mariana Islands, Oman, Palau, State of Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Pitcairn, Puerto Rico, Qatar, Russian Federation, Rwanda, Saint Helena, Ascension and Tristan Da Cunha, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, Sao Tome and Principe, Saudi Arabia, Senegal, Serbia, Seychelles, Solomon Islands, Somalia, South Georgia and the South Sandwich Islands, Suriname, Svalbard and Jan Mayen, Eswatini (Swaziland), Taiwan Province of China, Tajikistan, United Republic of Tanzania, Timor-Leste, Togo, Tokelau, Tonga, Trinidad and Tobago, Tunisia, Turkey, Turkmenistan, Turks and Caicos Islands, Tuvalu, Ukraine, United States Minor Outlying Islands, Uruguay, Uzbekistan, Vanuatu, British Virgin Islands, Virgin Islands, Wallis and Futuna, Western Sahara, Yemen, Zambia, Zimbabwe.

Currencies you can send[@gma-cny-currency]:

United Arab Emirates dirham (AED), Australian dollar (AUD), Bahraini dinar (BHD), Canadian dollar (CAD), Swiss franc (CHF), Chinese yuan renminbi (CNY), Danish krone (DKK), Euro (EUR), British pound sterling (GBP), Hong Kong dollar (HKD), Japanese yen (JPY), Mexican Peso (MXN), Norwegian krone (NOK), New Zealand dollar (NZD), Swedish krona (SEK), Singapore dollar (SGD), United States dollar (USD), South African rand (ZAR), Omani rial (OMR), Qatari riyal (QAR), Thai baht (THB), Indian rupee (INR), Polish zloty (PLN), Turkish lira (TRY), Romanian leu (RON), Pakistani rupee (R) (PKR), Israeli new shekel (ILS), Egyptian pound (EGP), Bulgarian lev (BGN), Saudi riyal (SAR), Philippine peso (LR) (PHP), Czech koruna (CZK), Sri Lankan rupee (R) (LKR), Mauritian rupee (MUR), Hungarian forint (HUF), Kenyan shilling (KES), Ghanaian cedi (GHS), Moroccan dirham (R) (MAD), Jordanian dinar (JOD), Kuwaiti dinar (KWD), Ugandan shilling (UGX), Zambian kwacha (ZMW), Serbian dinar (RSD), Armenian dram (AMD), Botswana pula (BWP), Bangladeshi taka (R) (BDT), Macanese pataca (MOP), Brunei dollar (BND), Namibian dollar (NAD), Malawian kwacha (MWK), Fijian dollar (FJD), Algerian dinar (R) (DZD), Mozambican metical (MZN), Albanian lek (ALL), Kazakhstani tenge (KZT), Lesotho loti (LSL), Peru dol (PEN), Swazi lilangeni (SZL), Tunisian dinar (TND).