حساب جاري
Happiness Account

Get up to AED 2,000

Limited Period Offer!

Apply online

in a few minutes

International online transfers

Free of charge

Salaam Points worth AED 25

Per 5 online/mobile transactions monthly

Get up to AED 2,000

Enjoy a joining bonus up to AED 2,000 when you open a Happiness Account & transfer your salary. Your bonus depends on the monthly salary deposited.
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Get rewarded with Salaam Points

Every time you make 5 online or mobile transactions per month, you will be rewarded with AED 25 worth of Salaam Points which can be redeemed for travel tickets or instantly at our partner outlets and brands.
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Complimentary international money transfer

Your Happiness Account allows you the freedom of making international money transfers with no charge. This gives you flexibility worldwide.
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Happiness Account
More happiness with Happiness

Enjoy a range of benefits like Salaam points, free remittances and 2 for 1 deals on food, entertainment and shopping when you use your Mashreq VISA Debit Card.

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Make the most of your Mashreq VISA Debit Card with VISA MENA offers powered by The Entertainer
- 2 for 1 deals on food, entertainment and shopping - Discounts across 5,000 restaurants - Travel discounts Terms & Conditions apply
Get your first Visa Debit Card and Cheque Book free*. Enjoy accessing your funds easily anytime.
*chargeable for previous Cheque Book holders
Open your account instantly
It’s simple to open. All you need is your Emirates ID

You will need

A valid Emirates ID
A valid Passport
Valid visa page for expatriates
Terms & Conditions, click here.

Are you ready to apply?

Eligibility

Minimum Salary
AED 10,000
Visa
UAE residence holder/ Valid Passport with residence visa page for expatriates/Emiratis
Age
Must be 21 years old and above

Still got questions?

The eligibility criteria is a minimum salary transfer of AED 10,000 to the Happiness Account
Monthly Salary Joining Bonus for Online Applications Joining Bonus for Non Online Applications
AED 10,000 - AED 24,999 AED 500 AED 200
AED 25,000 - AED 49,999 AED 1,000 AED 500
AED 50,000 and above AED 2,000 AED 1,500

Online Applications refers to Accounts that are self- opened through www.mashreq.com/happiness Non-online Applications refers to Accounts that are opened using methods other than ‘Online Applications’.

You will receive the Joining Bonus once your first salary has been credited to the account. The Joining Bonus will be credited within 60 days of first salary transfer. However, if the salary transfer in your account stops, within 12 months of the first salary credit or if we identify that an existing salary transfer account has been closed & a New “Happiness” Account has been opened or the average monthly salary transferred to the account over the next 12 months does not meet the monthly salary eligibility as defined in the joining cash benefit table above, the value of the Joining Bonus will be debited from your account.
In order to be eligible for the monthly Salaam points benefit, you need to do an aggregate of 5 utility bill payments and international remittance transactions in a month, executed via Mashreq Online/Mashreq Mobile e.g. - 3 utility bill payments + 2 international remittance transactions or - 4 utility bill payments + 1 international remittance transaction or - 5 utility bill payment transactions We will recognize the 5 unique payments basis payments made to unique beneficiaries. Example: • Such payment could be to 3 different mobile numbers – will be considered as 3 payments since the beneficiaries are 3 different mobile phones • Such beneficiaries could be payment to 2 different car Salik payments – will be considered as 2 payments since the beneficiaries are 2 different cars
The Salaam points will be credited to your account in the first week of the month for transactions conducted in the previous month.
This monthly benefit is applicable to both New & Existing salary transfer customers only if there is a valid salary transfer to the account, minimum of AED 10,000, during the same month.

If your existing Mashreq Account was opened after April 2016 and if you start to transfer a minimum salary of AED 10,000 you will be eligible for all benefits of the Happiness Account including the joining bonus.

If your existing Mashreq Account was opened prior to April 2016 and if you start to transfer a minimum salary of AED 10,000 you will be eligible for all benefits of the Happiness Account excluding the joining bonus.
Yes, you will be eligible for all the benefits, including joining gift, if you open a new account under the Mashreq Happiness campaign and receive a continuous salary credit of AED 10,000 or more on a monthly basis in your new salary transfer account.
A salary transfer will only be recognized by Mashreq if it is credited to the account by the Customer’s employer registered in UAE using the correct channel and method recognized by the Bank. A remittance, direct transfer, cash or cheque credit transaction by the Employer will not be considered as a salary transfer transaction and will lose the eligibility of any benefits defined under this campaign. An erroneous salary transfer description could also result in the non-payment of the cash joining benefit.

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