Minimum Salary
5.000,00 د.إ
HSBC UAE offers two main retail banking tiers—HSBC Advance and HSBC Premier—alongside basic Everyday Banking accounts. Advance and Premier clients benefit from tiered fee waivers, preferential rates, global services, and dedicated relationship support. Selecting the optimal package depends on your salary credit or balance levels and desired international banking privileges.
| Package | Qualification Criteria | Monthly Fee if Criteria Not Met |
| Everyday Banking | No minimum balance; standard features | AED 25 monthly maintenance fee |
| HSBC Advance | Salary transfer ≥ AED 7,500/month OR ≥ AED 50,000 relationship balance | Waived if criteria met; else AED 200 |
| HSBC Premier | Salary transfer ≥ AED 30,000/month OR ≥ AED 500,000 relationship balance OR investable assets ≥ USD 200,000 | Waived if criteria met; else AED 350 |
| Feature / Package | Everyday Banking | HSBC Advance | HSBC Premier |
| Current & Savings | Separate accounts | Separate accounts | Separate accounts |
| Debit Card | Free issuance; AED 25 replacement | Free issuance & replacement; metal card option | Premium metal card; unlimited replacements |
| ATM Withdrawals (HSBC) | Free | Unlimited | Unlimited |
| Non-HSBC UAE ATM | AED 2/txn | Unlimited free | Unlimited free |
| International ATM | AED 20/txn | AED 20/txn; fee rebates¹ | Unlimited free² |
| Global Transfers | Online: AED 20/txn; Branch: AED 50 | Online transfers free within 5 countries³; AED 20 thereafter | Unlimited free online transfers to 19 countries³ |
| FX Mark-up | 2.5% | 1.5% | 1.0% |
| Cheque Book | First free; AED 25/book | First free; subsequent free | Unlimited free |
| Interest / Profit | Savings: 0.01%–0.15% p.a.⁴ | Savings: up to 1.20% p.a.⁵ | Savings: up to 1.50% p.a.⁶ |
| Relationship Manager | — | Dedicated phone support | Dedicated Relationship Manager |
| Lounge Access | — | — | Two complimentary airport lounge visits/month⁷ |
| Welcome Bonus | — | AED 300 cash credit⁸ | AED 1,000 cash credit⁸ |
¹ Rebate applies when linked credit/debit card used abroad.
² Subject to HSBC network availability; refunds credited monthly.
³ HSBC Advance: free to India, Philippines, Pakistan, Egypt, Jordan; HSBC Premier adds UK, US, Canada, Australia, Singapore, Hong Kong, China, Malaysia, South Africa, Switzerland, UAE.
⁴ Tiered savings rate on daily balance.
⁵ Based on tiered rate on daily balances; subject to monthly review.
⁶ Based on tiered rate on daily balances; subject to monthly review.
⁷ Priority Pass membership for two visits per quarter.
⁸ Credit applied within 60 days of meeting new-to-HSBC criteria.
Detailed Schedule of Fees & Charges
All fees inclusive of 5% VAT where applicable.
| Service Category | Service | Everyday / Advance / Premier |
| Account Maintenance | Monthly fee if criteria unmet | AED 25 / AED 200 / AED 350 |
| Teller Transactions | Cash withdrawal & deposit beyond free quota | AED 25 per transaction across all |
| ATM Card Replacement | Lost/Stolen/Damaged | AED 25 across all |
| Bill Payments (UAE) | Online | Free |
| Branch | AED 20 across all | |
| Local Transfers (UAEFTS) | Online | Free across all |
| Branch | AED 15 across all | |
| International Transfers | Online | AED 20 / Free up to 5 / Free unlimited |
| Branch | AED 50 across all | |
| SWIFT Copy | AED 15 across all | |
| Cheque Services | Stop payment / Cheque return | AED 100 across all |
| Statements & Certificates | Duplicate statement | AED 10 across all |
| Outside cycle statement | AED 25 across all | |
| Certificate (balance/liability) | AED 50 across all | |
| Account Closure (≤6 mo) | Early closure | AED 500 across all |
Account Benefits Summary
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