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
Get rewarded with Salaam Points
Complimentary international money transfer
Earn more Happiness
Get rewarded with up to 2,000 Salaam Points which can be redeemed instantly in any of our 2,200 partner outlets.
Get your first Visa Debit Card and Cheque Book free*. Enjoy accessing your funds easily anytime.
Open your account instantly
You will need
Are you ready to apply?
Eligibility
Minimum Salary
Visa
Age
Still got questions?
- The minimum monthly salary requirement is AED 10,000.
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 750 for Emiratis AED 50,000 and above AED 2,000 AED 1,500 / AED 2,500* for Emiratis *Will be done as 2 separate credits of AED 1,500 (joining bonus) & AED 1,000 (additional bonus). The additional bonus of AED 1,000 will be credited upon 3 successful salary credits with first credit being within 3 months of onboarding.
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 Gift once your first salary has been credited to the account. The Joining Benefit 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 Gift will be debited from your account.
- In order to be eligible for the monthly Salaam points benefits, you need to do an aggregate of 5 utility bill payment and remittance transactions in a month, executed via Mashreq Online/Mashreq Mobile e.g. - 3 utility bill payment + 2 remittance transactions or - 4 utility bill payment + 1 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. The fee benefits from this campaign will be in the form of reversals. If you qualify for the benefits, i.e. have your salary transferred to the account, the same would be reversed by the end of the month.
The correspondent bank charges will not be reversed (if applicable) in the case of the international remittance transactions. The remittance fee waiver is applicable on international remittance transactions conducted via Mashreq Online/Mashreq Mobile only.- Yes, you will be eligible for all the benefits except the joining gift if you receive continuous salary credit of AED 10,000 or more on a monthly basis in your salary transfer account.
- 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.
You may also be interested in
Current Account
This account combines convenience and flexibility with financial and non-financial benefits, plus access to cash in 200+ countries.
Instant Visa Debit Card & Cheque Book
Quick and easy processing
Cash withdrawal in 1.8 Million ATMs worldwide
Sweep Current Account
A Current Account that offers interest on unused funds and does not restrict access to your money for fixed time periods.
Interest on balances over AED 50,000
No penalties when you access your money
Easy access in 200 countries & 1.8 Million ATMS