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Borrow money via your current account, giving you flexibility for life's unexpected expenses.

A financial safety net for life's ups and downs

An overdraft is a short-term borrowing facility offered on a current account to give you more flexibility in covering unforeseen expenses.

A secured overdraft is secured by a Term Deposit you hold with us. You need to make regular payments into the account to repay any outstanding amounts. We only change interest for the amount you use.

An unsecured overdraft is held against your salary. You can use the funds at any time by simply writing a cheque or using your debit card.

  • Get a secured overdraft of up to 95% against an HSBC Term Deposit Account in AED, USD and GBP, with no arrangement or processing fees and flexible repayments
  • A secured overdraft against your Term Deposit is a convenient way to manage any unforeseen or urgent expenses without the need to break your Term Deposit before maturity
  • Borrow up to AED 30,000 or twice your salary (whichever is lower) with an unsecured overdraft alongside your HSBC current account, with no annual or renewal fees[@overdraft]

Things to know

Who can apply?

You can apply for an overdraft if you: 

  • have a valid Emirates ID
  • are aged between 21 and 65
  • earn at least AED 7,500 a month
  • have an HSBC current account and receive your salary into it (for unsecured overdrafts)
  • have an HSBC Term Deposit Account (for secured overdrafts)

If you do not meet the repayments/payments on your loan/financing, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future.

Get started

Already an HSBC customer?

Complete our callback form to speak to a member of our team.

We'll get back to you during working hours, Monday to Friday, 09:00 to 16:30. If you contact us outside these times, we aim to get back to you on the next working day. We may record calls to help improve our service to you. 

New to HSBC?

Apply for a current account to make use of an overdraft.

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