HSBC UAE vs AABill

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.

AaBill is a shared expense tracker and bill-splitting tool for roommates, friends, couples, and travel groups. From rent and utilities to trips and dining out, keep payments, expense splits, confirmations, and settlement records in one shared ledger. 【Shared Ledgers, Collaborative Confirmation】 Create a group and invite others to join. Each bill shows who paid, who participated, each person’s share, and confirmation progress. Invited guests can view and confirm bills without registering first, then link their guest records to an account after signing up. 【Scan Receipts, Review Before Saving】 Take a photo or choose a receipt image. AI helps extract the merchant, amounts, and line items. Review and edit the results before saving—you decide what goes into the final bill. 【Split Costs Your Way】 Split expenses equally, by percentage, by fixed amount, by shares, or by item. Multiple currencies and exchange rate handling are supported. Keep a clear record of who paid upfront, who participated, and how much each person owes. 【Document Settlements, Track Changes】 Generate a simplified transfer plan from your group’s accounts, attach proof of transfer, confirm receipt, and discuss balance adjustments. Resolve disputed bills together and review bill revisions and settlement records when needed. AaBill does not transfer funds on your behalf. Actual transfers must be completed through your chosen payment service. 【Understand Spending, Manage Your Data】 Track shared expenses with category breakdowns, payer rankings, debt summaries across groups, and exportable statements. You can also clear data by accounting period, submit feedback, and delete your account. 【Made for Shared Expenses】 Rent and utilities with roommates, meals with friends, everyday spending as a couple, group trips, and team activity expenses. 【Free and Pro】 The free plan lets you create up to 3 groups and includes 200 MiB of storage for supporting documents and 10 AI uses per month. Pro Lifetime is a one-time purchase that includes unlimited group creation, 500 MiB of storage for supporting documents, and 100 AI uses per month. Pro Monthly includes unlimited group creation, 500 MiB of storage for supporting documents, and unlimited AI uses. Prices and available plans are shown in the App Store and within the app. Monthly subscriptions are charged to your Apple Account and renew automatically unless canceled at least 24 hours before the end of the current subscription period. You can manage your subscription in your device’s subscription settings. The lifetime plan is a one-time purchase and does not renew automatically. Privacy Policy: https://join.aabill.cera.hk/privacy/ Terms of Use: https://join.aabill.cera.hk/terms/