Advance Account | Advance Banking Services

Why join HSBC Advance?

Designed with your individual needs in mind, and with exclusive access to discounts and offers, Advance is much more than just a current account.

Dedicated Advance banking specialists
No monthly fee and preferential rates on banking products
A current account with free cheque books - available in a range of currencies
Free branded HSBC Advance Platinum Debit Chip Card
Free online banking, phone banking and SMS alerts
Fee-free cash withdrawals at any HSBC ATMs across Egypt
Free branded HSBC Advance MasterCard Credit Card and you can issue up to 4 supplementary credit cards to your family members

How to apply

What you'll get with Advance

Financial expertise and support, tailored to your needs

No matter how good you are with money, there will be times when you want a little advice or support. That’s why our team of financial experts are more than happy to talk with you in person or over the phone 24/7.

So whether you’re planning a move, need help finding out how you can save money or just planning ahead for the future, we’ll support you however we can.

Day-to-day banking and international services

Start building your financial life with a priority bank account that offers special rates, offers and personalised service.

Current account available in EGP, USD, GBP and EUR
No charges for cash withdrawals at any HSBC ATM across Egypt
50% discount on processing fee for international HSBC account opening¹
One view of all your HSBC accounts held worldwide through Global View
Free global emergency cash² up to USD 10,000 from any HSBC branch abroad if you lose your wallet
Free Advance Debit Card and unlimited cheque books

Preferential access to our products and services

You get preferential access to some of our most prestigious products, services and rewards, including:

an Advance Mastercard Credit Card which comes with a wealth of benefits and no annual fee
quick access to HSBC Advance Personal Finance up to EGP 420,000³
a competitive interest rate on HSBC Personal Finance with a fixed interest rate finance amount up to EGP 2,000,000 and a flexible repayment period of up to 84 months
immediate access to your deposits with HSBC Asset-Linked Finance

Financial expertise and support, tailored to your needs

So whether you’re planning a move, need help finding out how you can save money or just planning ahead for the future, we’ll support you however we can.

Day-to-day banking and international services

Start building your financial life with a priority bank account that offers special rates, offers and personalised service.

Current account available in EGP, USD, GBP and EUR
No charges for cash withdrawals at any HSBC ATM across Egypt
50% discount on processing fee for international HSBC account opening¹
One view of all your HSBC accounts held worldwide through Global View
Free global emergency cash² up to USD 10,000 from any HSBC branch abroad if you lose your wallet
Free Advance Debit Card and unlimited cheque books

Preferential access to our products and services

You get preferential access to some of our most prestigious products, services and rewards, including:

an Advance Mastercard Credit Card which comes with a wealth of benefits and no annual fee
quick access to HSBC Advance Personal Finance up to EGP 420,000³
a competitive interest rate on HSBC Personal Finance with a fixed interest rate finance amount up to EGP 2,000,000 and a flexible repayment period of up to 84 months
immediate access to your deposits with HSBC Asset-Linked Finance

Current and savings accounts

Both our Advance savings and current accounts come:

in a choice of currencies
with an international debit card

With our savings accounts you can choose instant access or a fixed rate.

View all accounts

Advance Mastercard Credit Card

Benefits of the Advance Mastercard include:

up to 4 supplementary cards for family members
0% interest for up to 56 days when you pay off your outstanding balance each month
a competitive interest rate of 2.95% per month
free unlimited access to international airport lounges. About lounge access
exclusive HSBC and Mastercard retail, leisure and dining offers
purchase protection on purchases made with your card

Find out more about the Advance Mastercard

Advance Visa Platinum Debit Card

You can use the Advance Debit Card to:

make purchases at over 28 million outlets worldwide
withdraw cash at 1 million ATMs worldwide - there's no withdrawal charge at HSBC ATMs
shop securely with the embedded Chip and PIN technology
make daily purchases of up to EGP 50,000 at home or abroad
withdraw cash up to EGP 20,000 daily at ATMs displaying the Visa logo
enjoy exclusive Visa offers, discounts and deals when you use your card

Plus, you get free purchase protection and extended warranty insurance when you purchase items with your card.

Find out more about debit cards

Exclusive everyday banking

Branch banking - save time in branch with dedicated Advance banking specialists.
Phone banking - call 0800ADVANCE 0800 238 2623 from landlines within Egypt or +202 3535 9600 from mobiles or from outside Egypt.
Mobile Banking app - manage your account and send money instantly to your global HSBC accounts using Global View and Global Transfers.
Online banking - keep an eye on your Advance account at all times, pay bills, check your balance and make transfers between your HSBC accounts using Global Transfers.

Compare the features of HSBC Personal, Advance and Premier Accounts
Features	Personal	Advance	Premier
Eligibility criteria	One of the following criteria: Transfer a monthly gross salary of EGP 5,000. Maintain a minimum relationship balance of EGP 10,000 in deposits and/or investments.	One of the following criteria: Transfer a monthly gross salary of EGP 10,000. Maintain a minimum monthly average balance of EGP 250,000 in deposits and/or investments. Monthly fixed gross salary transfer EGP 8,000 and minimum of EGP 96,000 total net annual income⁴	One of the following criteria: Transfer a monthly gross salary of EGP 40,000. Maintain a minimum monthly average balance of EGP 750,000 in deposits and/or investments. Monthly fixed gross salary transfer EGP 30,000 and minimum of EGP 384,000 total net annual income⁴
Monthly charge if criteria is not met	EGP 50	EGP 150 if the account average relationship balance falls below EGP 250,000 in any given month. This charge is waived for salaried customers whose employer is on the bank's approved list.	EGP 450 applied on Premier balance based customers. View full schedule of charges
Global View	No	Yes, free of charge	Yes, free of charge
Mobile banking	Yes	Yes	Yes
Pre-selected facilities	No	Yes, finance up to EGP 285,000	Yes, finance or overdraft up to EGP 900,000 or overdraft up to EGP 350,000
Preferential pricing on finance	No	Yes	Yes
Overdrafts	Against salary for customers whose employees are on the bank's approved list. Against certificates or deposits with HBSC Egypt	Against salary for customers whose employees are on the bank's approved list. Against certificates or deposits with HBSC Egypt	Pre-selected for Premier by deposit customers subject to maintaining average monthly balance for 6 consecutive months or against a certificate or deposit Against certificates or deposits with HSBC Egypt
Preferential pricing on overdrafts	No	Yes	Yes
Credit card annual fees	Free Visa Gold credit card subject to a minimum spend (T&Cs apply)	Free Advance Mastercard Credit Card for life	Free Premier Mastercard Credit Card for life
Debit card annual fees	EGP 40	Free for life	Free for life
Free ATM cash withdrawal at all ATMs locally	Only HSBC ATMs	Only HSBC ATMs	Only HSBC local and group ATMs
International account opening¹	USD 200	USD 100	Free
Free emergency encashment services⁴	Yes, with USD 20 fee per encashment	Yes	Yes
Free access to airport lounges across MENA region	No	Yes, at selected airports only	Yes, at selected airports only
Free worldwide travel insurance⁵	No	Yes, on flights booked with the Advance Mastercard Credit Card	Yes, on flights booked with the Premier Mastercard Credit Card. Applies to spouse and children

Compare the features of HSBC Personal, Advance and Premier Accounts
Features	Eligibility criteria
Personal	One of the following criteria: Transfer a monthly gross salary of EGP 5,000. Maintain a minimum relationship balance of EGP 10,000 in deposits and/or investments.
Advance	One of the following criteria: Transfer a monthly gross salary of EGP 10,000. Maintain a minimum monthly average balance of EGP 250,000 in deposits and/or investments. Monthly fixed gross salary transfer EGP 8,000 and minimum of EGP 96,000 total net annual income⁴
Premier	One of the following criteria: Transfer a monthly gross salary of EGP 40,000. Maintain a minimum monthly average balance of EGP 750,000 in deposits and/or investments. Monthly fixed gross salary transfer EGP 30,000 and minimum of EGP 384,000 total net annual income⁴

Features	Monthly charge if criteria is not met
Personal	EGP 50
Advance	EGP 150 if the account average relationship balance falls below EGP 250,000 in any given month. This charge is waived for salaried customers whose employer is on the bank's approved list.
Premier	EGP 450 applied on Premier balance based customers. View full schedule of charges

Features	Global View
Personal	No
Advance	Yes, free of charge
Premier	Yes, free of charge

Features	Mobile banking
Personal	Yes
Advance	Yes
Premier	Yes

Features	Pre-selected facilities
Personal	No
Advance	Yes, finance up to EGP 285,000
Premier	Yes, finance or overdraft up to EGP 900,000 or overdraft up to EGP 350,000

Features	Preferential pricing on finance
Personal	No
Advance	Yes
Premier	Yes

Features	Overdrafts
Personal	Against salary for customers whose employees are on the bank's approved list. Against certificates or deposits with HBSC Egypt
Advance	Against salary for customers whose employees are on the bank's approved list. Against certificates or deposits with HBSC Egypt
Premier	Pre-selected for Premier by deposit customers subject to maintaining average monthly balance for 6 consecutive months or against a certificate or deposit Against certificates or deposits with HSBC Egypt

Features	Preferential pricing on overdrafts
Personal	No
Advance	Yes
Premier	Yes

Features	Credit card annual fees
Personal	Free Visa Gold credit card subject to a minimum spend (T&Cs apply)
Advance	Free Advance Mastercard Credit Card for life
Premier	Free Premier Mastercard Credit Card for life

Features	Debit card annual fees
Personal	EGP 40
Advance	Free for life
Premier	Free for life

Features	Free ATM cash withdrawal at all ATMs locally
Personal	Only HSBC ATMs
Advance	Only HSBC ATMs
Premier	Only HSBC local and group ATMs

Features	International account opening¹
Personal	USD 200
Advance	USD 100
Premier	Free

Features	Free emergency encashment services⁴
Personal	Yes, with USD 20 fee per encashment
Advance	Yes
Premier	Yes

Features	Free access to airport lounges across MENA region
Personal	No
Advance	Yes, at selected airports only
Premier	Yes, at selected airports only

Features	Free worldwide travel insurance⁵
Personal	No
Advance	Yes, on flights booked with the Advance Mastercard Credit Card
Premier	Yes, on flights booked with the Premier Mastercard Credit Card. Applies to spouse and children

Things you should know

Eligibility

To qualify for Advance, you must meet at least one of these criteria:

transfer a minimum gross monthly salary of EGP 10,000⁵
transfer a minimum gross monthly salary of EGP 8,000 with a minimum of EGP 96,000 total net annual income⁶
maintain an average monthly balance in deposits and/or investments of EGP 250,000⁷

The equivalent of these amounts in other currencies is accepted.

How to apply

We'll call you

Request a call back to start your application. Our team is available weekdays from 9.30am to 3.30pm and will be in touch within 120 minutes.⁴

Request call back This link will open in a new window

Call us

Tel: 0800ADVANCE (0800 238 2623)
(landlines only from within Egypt)

Tel: +202 3535 9600
(Mobile phones and outside Egypt)

Visit a branch

Speak to us in branch to start an application.

Find a branch This link will open in a new window

Proof of your status documents
Status	Valid proof required
Residency	Valid National Identity Card for Egyptian nationals Valid passport with valid entry visa for expatriate residents and non-residents
Address	For non-Egyptians, and for Egyptians with address not updated in the National ID/Passport, please provide one of the following valid documents: Phone bill Electricity bill Gas bill Tenancy contract issued or notarised by a governmental or public entity
Salary (salary-based eligibility criteria customers)	Original salay transfer letter

Proof of your status documents
Status	Residency
Valid proof required	Valid National Identity Card for Egyptian nationals Valid passport with valid entry visa for expatriate residents and non-residents

Status	Address
Valid proof required	For non-Egyptians, and for Egyptians with address not updated in the National ID/Passport, please provide one of the following valid documents: Phone bill Electricity bill Gas bill Tenancy contract issued or notarised by a governmental or public entity

Status	Salary (salary-based eligibility criteria customers)
Valid proof required	Original salay transfer letter

¹Employees working in any of the bank’s approved list of companies will be exempted from the Cross border account opening fees.

²Subject to availability of funds in your account(s) and confirmation from your country/region of residence. One global emergency encashment per 48 hours is allowed.

³Terms and conditions apply.

⁴Call back is available weekdays from 9:30am to 3:30pm. If you ask for a call back outside these hours, we'll call you the next working day.

⁵This service is granted free of charge for customers whose Employer is on the bank's list. If not, a monthly fee of EGP75 is deducted.

⁶The total net annual income must be equal to the net 12 months salary in addition to last 2 years' average variable pay.

⁷A monthly service charge of EGP 150 will be charged to your account if a minimum average relationship balance of EGP 250,000 (or equivalent in foreign currency) is not maintained with HSBC Bank Egypt.

HSBC Advance

Why join HSBC Advance?

What you'll get with Advance

Financial expertise and support, tailored to your needs

Day-to-day banking and international services

Preferential access to our products and services

Current and savings accounts

Advance Mastercard Credit Card

Advance Visa Platinum Debit Card

Exclusive everyday banking

Your benefits

HSBC Advance features

Account comparison table

Things you should know

Eligibility

How to apply

We'll call you

Call us

Visit a branch

Documents required for application

You might be interested in

Advance Credit Card

Premier Account

Current Account

Connect with us