Bank accounts for Emiratis

For a payment to be counted as salary, it must be a sum of money transferred to your account on a regular monthly basis with a transaction description of 'Salary' (or an equivalent, such as 'Sal'). It can include allowances, incentives or other benefits, as long as they're part of this same payment. Any payments that are occasionally made separately to your account won't be classed as salary, and therefore won't count towards your account eligibility.

• Physical Emirates ID
• Physical passport
• Proof of income, such as a salary certificate, bank statement dated within the last 3 months (for business owners, the 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

For joint accounts

Both you and your joint applicants will need to complete the current account opening process by visiting one of our branch or customer service centres with the following documents:

• Original passport (for all customers)
• Valid residence visa (for non-GCC national customers only)
• Original Emirates identification card (for all customers)
• Proof of UAE residence in the form of either a utility bill/rental agreement/employment letter
• Original labour card/work ID (for female applicants on father's/husband's sponsorship)
• Original trade licence (for all self-employed customers)
• Original income transfer letter from the employer (for income transfer customers)

Please note, that we may request further information or documentation from you, in order to comply with the Foreign Account Tax Compliance Act (FATCA)

Additional documents required for Advance by salary-based eligibility criteria

• Original trade licence (for all self-employed customers).
• Salary certificate (for customers working in government/public sector companies).
• Salary transfer letter (for customers working in private sector companies).

Debits from your account will be restricted until we verify your documents. We’ll get in touch within 3-5 days or send you an email once your account is fully ready for use.

If you're looking for a lower cost option, you could consider a Personal Banking Account. Not only does it offer our lowest eligibility criteria for a single account, it also has the lowest fees if you don't meet them. See our Schedule of Services and Tariffs (PDF, 483KB) for details.

This HSBC account comes with a debit card and monthly statements. Please refer to our Schedule of Services and Tariffs for a complete list of services along with any fees and charges associated with them. 

Your TRB consists of any other investments or products you hold with us, such as:

• your savings
• any investments or insurance

Share your Premier status with your spouse and children by providing a marriage or birth certificate to your Relationship Manager.

Apply in branch

You can also visit us in branch to discuss your bank account needs.