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A safety net for life's unexpected expenses

HSBC overdrafts

An overdraft is a short-term borrowing facility offered on a current account which provides you with flexibility in dealing with unforeseen expenses. You can easily use the funds at any time by simply writing a cheque or using your debit/ATM card.


  • enjoy extra benefits on your Term Deposit
  • get an Overdraft against your Term Deposit with us
  • 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


You can also enjoy:

  • competitive interest rates on your overdraft
  • no arrangement or processing fees
  • flexible repayments on the Overdraft paying only for the utilized amount
  • overdrafts up to 95% of the Term Deposit in AED, USD and GBP

Eligibility criteria

  • valid Emirates ID required
  • you're aged between 21 to 65 years
  • you earn a minimum monthly income of AED 7,500

Subject to income being transferred to HSBC. Terms and Conditions apply. 

Apply by phone

Start the process with just a phone call.

Alternatively, call 500 55 4722 (within UAE) or +971 4 366 9090 (outside UAE).

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.

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