HSBC UAE vs SpendWise

The HSBC UAE app has been specially built for our customers, with reliability at the heart of its design Enjoy convenience and security with these great features: • 'Instant account management' - open a bank account within minutes and enjoy instant digital registration. In-app Account opening is only available in English • ‘View account balances & transaction details’ - view the balances of your local and global HSBC accounts, credit cards and loans • ‘Global Money Account and Debit Card’ - hold, transfer and spend like a local in up to 21 currencies from single account. Enjoy fee free instant transfers to other HSBC accounts in participating countries • ‘Pay and Transfer’ – Add new payees and make domestic and international transfers. Instant transfers to HSBC international accounts without any fee • Open Term Deposit in AED, USD and GBP at competitive interest rates instantly. You can also access our promotional rates without visiting the branch or contacting your RM. • ‘Manage Cards’ - add your cards to Apple Pay directly through the app, control your spending and block or unblock your card • 'Instalment Plans' - Convert your available Credit Card limit into cash, convert your card transactions, consolidate your outstanding balance from other bank cards into your HSBC card and conveniently repay in monthly instalments • Credit Card application – Apply for a credit card in just few minutes • ‘Wealth Solutions’ - Access up to 25 markets and 77 exchanges, diversify with equities, ETFs, bonds and funds, and stay ahead with real-time data and insights • Mobile Chat and Contact Us – fast and secure way to get help with your banking needs 24/7 Download the HSBC UAE app to enjoy banking on the go! Already a customer? Log on with your existing banking details. If you are not yet registered, please visit hsbc.ae/register *Important note: This App is provided by HSBC Bank Middle East Limited ('HSBC UAE') and designed for use in the United Arab Emirates. The products and services represented within this App are intended for UAE customers*. HSBC UAE is authorised and regulated in United Arab Emirates by the Central Bank of the U.A.E and lead regulated by the Dubai Financial Services Authority. If you are outside of UAE, we may not be authorised to offer or provide you with the products and services available through this App in the country or region you are located or resident in. This App is not intended for distribution, download or use by any person in any jurisdiction, country or region where the distribution, download or use of this material is restricted and would not be permitted by law or regulation. Additional assistance through our branches and Call Centre are available for People of Determination. Our mobile app is compatible with a number of accessible technologies to support customers with different needs to access our services. For any assistance, please visit hsbc.ae/help/contact © Copyright HSBC Bank Middle East Limited (UAE) 2026 ALL RIGHTS RESERVED. No part of this publication may be reproduced, stored in a retrieval system, or transmitted, on any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of HSBC Bank Middle East Limited. HSBC Bank Middle East Limited, UAE Branch, registered address at Level 4, Gate Precinct Building 2, DIFC, P.O. Box 30444, Dubai, UAE, acting through its Dubai branch at HSBC Tower, Downtown, P.O. Box 66, Dubai, UAE (HBME) regulated by the Central Bank of the UAE for the purpose of this promotion and lead regulated by the Dubai Financial Services Authority. In respect of certain financial services and activities offered by HBME, it is regulated by the Securities and Commodities Authority in the UAE under license number 602004. By downloading this app, you agree to and accept the HSBC Personal Banking General Terms and Conditions (UAE) and the HSBC Online Banking Terms and conditions, each available through hsbc.ae/terms.

SpendWise is the simple way to see where your money goes and to share costs with the people you live, travel and eat with. LOG IN SECONDS • Type it the way you'd say it: "uber 25 yesterday" becomes an entry with the amount, place and date filled in. • Log Apple Pay purchases automatically with a one-minute Shortcuts setup. • Import months of history from a card or bank statement (CSV). • SpendWise learns your merchants and fills in categories for you. SPLIT WITH FRIENDS • Create groups for roommates, trips and dinners. • Add a shared bill, choose who paid and how to divide it. • See who owes whom at a glance, and settle up in a tap. • Your share of every bill shows up in your own spending. STAY ON TOP OF YOUR MONTH • See this month's spending at a glance, compared fairly with last month. • Set a monthly budget and know what's safe to spend today. • Track recurring bills and get reminded before they're due. • Save toward goals and watch your progress. • SpendWise points out what's worth knowing, like a friend who still owes you. BUILT TO BE RELIABLE • Changes made offline are saved on your phone and sync when you're back. • Everything stays in step across your devices. • Home-screen widgets show your month and upcoming bills. • Multiple currencies, with totals in your home currency. PRIVATE BY DESIGN • No ads. We never sell your data. • Lock the app with Face ID. • Delete your account and data any time from Settings.