Multi Currency Account | Global Money Account

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Global Money

Access the world with one account

The digital account and debit card that lets you manage, spend, send and receive money around the world in multiple currencies[@global-money-account], only in the HSBC UAE app.

Get started for HSBC UAE

Our latest offers

Get up to AED 10,000 cashback. Just open a new Premier Account in the HSBC UAE app by 31 December 2024. T&Cs apply.
Get AED 200 cashback with Global Money. Spend AED 10,000 in an equivalent non-AED currency using your Global Money Debit Card by 31 December 2024. Offer terms and conditions apply.

Multi-currency payments made easy

Fast, easy, flexible. A Global Money Account lets you move and send money around the world, all from one place.

Hold up to 21 currencies in a single account
Hold, convert and send money with no minimum balance
Manage your international transfers easily from the mobile app
Transfer in up to 60 currencies, with no HSBC fees to pay[@transferfee]

Instant worldwide transfers

Transfer and send money around the world quickly and easily.

Make unlimited transfers with no HSBC fees[@transferfee] in multiple currencies, including British pound, Indian rupee and Egyptian pound
Make instant transfers[@gm-transfers] to your HSBC accounts[@gma-hsbc-transfers] or to any other account holders in HSBC worldwide[@gm-transfers]
Benefit from live, competitive exchange rates whenever you send or convert money[@gma-fx-rates]
Pay other Global Money users quickly using their mobile number[@gma-phone-number-payments]

Costs for making transfers

Spend like a local

Order your digital and physical Global Money debit card online.

Add your card instantly to your Mobile Wallet and view the card details easily in the HSBC UAE mobile app
Spend in up to 20 currencies[@chinese-yuan-global-money] anywhere that accepts Visa debit cards: in shops, restaurants or online, with no conversion fees
View and change your PIN, report your card lost or stolen and much more in the app
Withdraw money from any ATM that supports Visa around the world, with no HSBC UAE transaction fees[@global-money-debit-card-fees]

How it works

About the Global Money account

Global Money transacting currencies are:

United Arab Emirates dirham (AED), Australian dollar (AUD), Canadian dollar (CAD), Swiss franc (CHF), Chinese yuan renminbi (CNY), Czech koruna (CZK), Euro (EUR), British pound sterling (GBP), Hong Kong dollar (HKD), Indian rupee (INR), Japanese yen (JPY), Kuwaiti dinar (KWD), Norwegian krone (NOK), New Zealand dollar (NZD), Swedish krona (SEK), Singapore dollar (SGD), Thai baht (THB), United States dollar (USD), South African rand (ZAR), Saudi riyal (SAR), Danish krone (DKK), Bahraini dinar (BHD), Omani rial (OMR), Qatari riyal (QAR)

The currencies not available from your UAE wallet are Czech koruna (CZK), Indian rupee (INR) and Thai baht (THB).

You can send money to the following countries and territories:

China, Hong Kong, Singapore, Philippines, Sri Lanka, Taiwan, Malaysia, Vietnam, India, Indonesia, United Kingdom, Bermuda, Bahrain, Egypt, Qatar, Malta, UAE, Canada, USA, CIIOM Domestic, CIIOM Expat, Australia

You can send faster transfers within an hour[@all-transfer-timings-are-approximate] to:

India, Pakistan

You can send faster transfers in as little as 1 day[@all-transfer-timings-are-approximate] to:

Andorra, Australia, Austria, Bangladesh, Belgium, Bulgaria, Colombia, Croatia, Cyprus, Czech Republic, Democratic Republic of Congo, Denmark, Estonia, Finland, France, French Guiana, Germany, Ghana, Gibraltar, Greece, Guadeloupe, Guam, Guernsey, Holy See (Vatican City State), Hong Kong, Hungary, Iceland, Indonesia, Ireland, Isle of Man, Italy, Japan, Jersey, Latvia, Liberia, Liechtenstein, Lithuania, Luxembourg, Malaysia, Malta, Martinique, Mauritius, Mexico, Mayotte, Monaco, Morocco, Netherlands, New Zealand, Nigeria, Norway, Poland, Portugal, Romania, Saint Pierre and Miquelon, San Marino, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, Sri Lanka, Sweden , Switzerland, Thailand, Uganda, United Kingdom, United States of America, Vietnam.

You can send standard transfers in approximately 1 to 3 days to:

Afghanistan, Åland Islands, Albania, Algeria, American Samoa, Angola, Anguilla, Antarctic Treaty, Antigua and Barbuda, Argentina, Armenia, Aruba, Azerbaijan, Bahamas, Bahrain, Barbados, Belarus, Belize, Benin, Bermuda, Plurinational State of Bolivia, Bosnia and Herzegovina, Botswana, Bouvet Island, Brazil, British Indian Ocean Territory, Brunei Darussalam, Burkina Faso, Burundi, Cambodia, Cameroon, Canada, Cape Verde, Cayman Islands, Central African Republic, Chad, Chile, China, Christmas Island, Cocos (Keeling) Islands, Comoros, Congo, Cook Islands, Costa Rica, Côte D'Ivoire, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Ethiopia, Falkland Islands (Malvinas), Faroe Islands, Fiji, French Polynesia, French Southern Territories, Gabon, Gambia, Georgia, Greenland, Grenada, Guatemala, Guinea, Guinea-Bissau, Guyana, Haiti, Heard Island and Mcdonald Islands, Honduras, Iraq, Israel, Jamaica, Jordan, Kazakhstan, Kenya, Kiribati, Republic of Korea, Kuwait, Kyrgyzstan, Lao People's Democratic Republic, Lebanon, Lesotho, Libya, Macao SAR, North Macedonia, Madagascar, Malawi, Maldives, Mali, Marshall Islands, Mauritania, Federated States of Micronesia, Republic of Moldova, Mongolia, Montenegro, Montserrat, Mozambique, Namibia, Nauru, Nepal, New Caledonia, Nicaragua, Niger, Niue, Norfolk Island, Northern Mariana Islands, Oman, Palau, State of Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Pitcairn, Puerto Rico, Qatar, Russian Federation, Rwanda, Saint Helena, Ascension and Tristan Da Cunha, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, Sao Tome and Principe, Saudi Arabia, Senegal, Serbia, Seychelles, Solomon Islands, Somalia, South Georgia and the South Sandwich Islands, Suriname, Svalbard and Jan Mayen, Eswatini (Swaziland), Taiwan Province of China, Tajikistan, United Republic of Tanzania, Timor-Leste, Togo, Tokelau, Tonga, Trinidad and Tobago, Tunisia, Turkey, Turkmenistan, Turks and Caicos Islands, Tuvalu, Ukraine, United States Minor Outlying Islands, Uruguay, Uzbekistan, Vanuatu, British Virgin Islands, Virgin Islands, Wallis and Futuna, Western Sahara, Yemen, Zambia, Zimbabwe.

Currencies you can send:

United Arab Emirates dirham (AED), Australian dollar (AUD), Bahraini dinar (BHD), Canadian dollar (CAD), Swiss franc (CHF), Chinese yuan renminbi (CNY), Danish krone (DKK), Euro (EUR), British pound sterling (GBP), Hong Kong dollar (HKD), Japanese yen (JPY), Mexican Peso (MXN), Norwegian krone (NOK), New Zealand dollar (NZD), Swedish krona (SEK), Singapore dollar (SGD), United States dollar (USD), South African rand (ZAR), Omani rial (OMR), Qatari riyal (QAR), Thai baht (THB), Indian rupee (INR), Polish zloty (PLN), Turkish lira (TRY), Romanian leu (RON), Pakistani rupee (R) (PKR), Israeli new shekel (ILS), Egyptian pound (EGP), Bulgarian lev (BGN), Saudi riyal (SAR), Philippine peso (LR) (PHP), Czech koruna (CZK), Sri Lankan rupee (R) (LKR), Mauritian rupee (MUR), Hungarian forint (HUF), Kenyan shilling (KES), Ghanaian cedi (GHS), Moroccan dirham (R) (MAD), Jordanian dinar (JOD), Kuwaiti dinar (KWD), Ugandan shilling (UGX), Zambian kwacha (ZMW), Serbian dinar (RSD), Armenian dram (AMD), Botswana pula (BWP), Bangladeshi taka (R) (BDT), Macanese pataca (MOP), Brunei dollar (BND), Namibian dollar (NAD), Malawian kwacha (MWK), Fijian dollar (FJD), Algerian dinar (R) (DZD), Mozambican metical (MZN), Albanian lek (ALL), Kazakhstani tenge (KZT), Lesotho loti (LSL), Peru dol (PEN), Swazi lilangeni (SZL), Tunisian dinar (TND).

Log on to the HSBC UAE app.
Go to 'Pay and Transfer'.
Select 'Global Money Account - Add money'.
Select the account you're transferring money from.
Enter the amount you want to transfer.
Select the currency you want to send the money in. Same-currency transfers aren't subject to foreign exchange rates.
Check the transaction details, including the HSBC exchange rate if applicable, and select 'Confirm'. Once you do this, you won't be able to cancel the transaction.

Log on to the HSBC UAE app.
Go to 'Pay and Transfer'.
Select 'Global Money Account - Convert or transfer between accounts'.
Select the currency you're converting from.
Select the currency you want to convert to.
Enter the amount you want to convert.
Check the transaction details, including the HSBC exchange rate, and select 'Confirm'. Once you do this, you won't be able to cancel the transaction.

Log on to the HSBC UAE app.
Go to 'Pay and Transfer'.
Select 'Send money internationally', then the receiving country or region.
Choose the transfer method.
Select the account you want to send the money from.
Select the currency you want to send the money in.
Enter the amount you want to send.
Select or add a payee.
Check the transaction details, including the HSBC exchange rate if applicable, and select 'Confirm'. Once you do this, you won't be able to cancel the transaction.

About the Global Money debit card

Log on to Global Money in the app.
Select 'View more' and follow the steps to order your debit card.

Just keep your digital wallet topped up with the relevant currency to spend using your debit card. For example, if you're traveling to the US and want to spend on your card or withdraw cash, you'll just need to add money to the USD wallet within the Global Money account in the app before you spend. Whatever you spend will be debited directly from your Global Money USD wallet.

You can buy things online or in shops with your Global Money debit card in the following 20 currencies:

Australian dollar (AUD)
Bahraini dinar (BHD)
Canadian dollar (CAD)
Swiss franc (CHF)
Danish krone (DKK)
Euro (EUR)
Pound sterling (GBP)
Hong Kong dollar (HKD)
Japanese yen (JPY)
Kuwaiti dinar (KWD)
Norwegian krone (NOK)
New Zealand dollar (NZD)
Omani rial (OMR)
Qatari rial (QAR)
Saudi riyal (SAR)
Swedish krona (SEK)
Singapore dollar (SGD)
United States dollar (USD)
South African rand (ZAR)
Emirati dirham (AED)

More Global Money account frequently asked questions

An award-winning account

Best Mobile Services, MEA Finance Awards 2022
Outstanding FX Solutions, Digital Banker Innovation Awards 2022 & 2023

Things to know

Who can apply?

To open a Global Money account and apply for a debit card, you'll need to:

be a UAE resident or have a valid Emirates ID
be at least 18 years old
be registered for online banking and have the HSBC UAE Mobile Banking app
have at least one active eligible funding account. This can be a current, savings, E-Saver or Flexi account, either individual or joint

You might be subject to other eligibility criteria, which we'll check you meet when you apply.

This product/service may be affected by changes in foreign currency exchange rates.

Correspondent and receiving banks may charge additional fees when they process the transaction.

Penalties and Fees may be applied if there is a customer error or omission in providing correct or incomplete remittance information and may cause a rejection of, or delays in, the transfer. We shall not be held liable for any potential loss.

The actual time to complete a transaction may differ from estimates due to increased scrutiny of transactions by the financial institution or entity providing financial services to the beneficiary of remittances.

For recall of payments, please contact us by any of the means listed at https://www.hsbc.ae/help/contact/. We may charge payment recall fee. We cannot guarantee that we’ll be able to recall the payment successfully.

Apply for Global Money now

Already an HSBC customer?

Apply for your Global Money Account in minutes in the HSBC UAE app. Just open the app, scroll to 'Global', then select 'Apply for Global Money Account'.

Apply in app

New to HSBC?

Download the HSBC UAE app to apply for an eligible funding account in minutes. Then activate your Global Money Account via the app.

Get the app

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.

Global Money Account

Access the world with one account

Our latest offers

Multi-currency payments made easy

Instant worldwide transfers

Spend like a local

How it works

About the Global Money account

If I want to transfer money from one HSBC account to another, which countries or regions and currencies are available, and which currencies are in my wallet?

Which countries and regions can I send money to using Global Money Transfers, and in which currencies?

How do I add money to my Global Money account?

How do I convert currency in my Global Money account?

How do I send money to a non-HSBC account?

About the Global Money debit card

How do I apply for a Global Money debit card?

How do I use my Global Money debit card?

Which currencies are available with the Global Money debit card?

An award-winning account

Things to know

Who can apply?

Important documents

Apply for Global Money now

Already an HSBC customer?

New to HSBC?

In-app account opening is only available in English

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