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Flexi Account

All the benefits of a bank account, with no salary transfer.

Discover truly flexible banking

Open an Flexi Account in minutes with the HSBC UAE app. Get all the benefits of banking with us without having to pay your salary into your account, or having to maintain a minimum account balance. 

  • No minimum balance or salary transfer required
  • Fund, transact and use your account instantly when you open your account in the app
  • Get an international Visa debit card

Interest rates

Balances less than AED 50,000

0.01% AER (fixed)[@aprflexi]

Balances between AED 50,000 and AED 100,000

0.02% AER (fixed)[@aprflexi]

Discover our Cashback Credit Card

Open a Flexi Account and you'll also have the opportunity to apply for an HSBC Cashback Credit Card.

  •  Get 10% bonus cashback all year when you meet minimum spends.
  • Enjoy thousands of offers and access to top lifestyle and entertainment venues with the HSBC ENTERTAINER app.
  • 12 complimentary visits per year to 1000+ airport lounges worldwide
  • Have up to AED 600 cashback on us. Terms and conditions apply (PDF, 141KB). Offer ends 30 September 2023.

Things to know

Who can apply?

You can apply for an Flexi Account if you are:

  • over 18
  • a UAE national or a UAE resident holding a valid UAE residence visa

Get started

Apply in our app

Download the HSBC UAE app to apply for a Flexi Account in minutes.

You must be 18 or older, opening an account for yourself, and not already banking with us in the UAE.

Before you start, please have the following documents ready:

UAE residents

  • 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

New to the UAE

  • 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

In-app account opening is only available in English. If you need assistance in Arabic, or want someone with you when opening your account, please visit a branch with a trusted relative, friend or adviser.

Apply online

It's simple and easy to open a bank account online, whether you’re in the UAE or applying from another country.

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Additional information

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