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Flexi Account

Flexible banking

Get all the benefits of banking with HSBC without having to pay your salary into your account or maintain a minimum account balance.

Why you'll want a Flexi Account

  • No need to transfer your salary
    Enjoy all the benefits of banking with HSBC without having to credit your salary to the account.
  • No minimum balance required
    Enjoy great benefits and services, no matter how much you have in your account.
  • Up to 0.05% interest

    New rates effective 1 May 2020: Earn 0.02% interest a year on account balances up to AED 50,000 and 0.05% interest a year on account balances between AED 50,000 and AED 100,000.1

  • Free international transfers
    Make free money transfers in Indian rupees, Pakistani rupees, Egyptian pounds and Philippine pesos.2
  • Convenience as standard
    Open your account instantly3 online and manage your money 24/7 through mobile banking, online banking or phone banking.

Plus, get an optional cashback credit card

When you open a Flexi Account, you'll also have the opportunity to apply for the HSBC Cashback Credit Card.

  • up to 10% cashback with no minimum spending restrictions
  • no limit on the total cashback4 you can earn
  • cashback automatically credited to your card every month

Apply online


Instantly confirm your eligibility online and get an approval in principle.

Existing HSBC UAE Customers

Log on to online banking for the quickest and easiest way to apply.


1Interest rate for Flexi is per annum and is calculated daily and paid on a monthly basis. Interest rates are subject to change.

2If you select charge type 'all charges to be paid from my account' when making transfers of Indian rupee to India, Pakistani rupee to Pakistan, Egyptian pound to Egypt and Philippine peso to the Philippines, the correspondent bank will not deduct any of its charges from the remittance amount and there will be no money transfer fee by HSBC UAE. Schedule of Services and Tariffs (PDF, 237KB) will apply and may be amended from time to time.

3Subject to meeting eligibility criteria. An HSBC representative will call you within 60 minutes of approval in principle to schedule a face-to-face meeting at your convenience in order to verify your identity. Once we've confirmed your identity, we'll activate your account and you'll receive everything you need within 24 hours.

4Maximum cashback is capped at AED 100 for fuel spends and AED 200 for supermarket spends per statement cycle.

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