حساب جاري
Happiness Account

Welcome to Happiness Account

Your salary grows with us

Upto

AED 2,000

Joining Bonus

International online transfers

Free of charge

Salaam Points worth AED 25

Per 5 online/mobile transactions monthly

Up to AED 2,000 bonus

Enjoy an introductory bonus of up to AED 2,000 when you open up your Mashreq Happiness Account and transfer your salary. Your bonus depends on your monthly salary remittance.
emirati-music

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.
travel

Complimentary international money transfer

Your Happiness Account allows you the freedom of making international money transfers with no charge. This gives you flexibility worldwide.
card
Happiness Account
Earn more Happiness
Your Happiness account offers a guaranteed joining bonus of up to AED 2,000 on your first salary transfer and a free international Debit Card and Cheque Book. You can also earn AED 25 worth of Salaam Points for 5 online/mobile transactions monthly.
redeem
Get rewarded with up to 2,000 Salaam Points which can be redeemed instantly in any of our 2,200 partner outlets.
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 to do is fill out an application with Mashreq and transfer your salary.

You will need

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

Are you ready to apply?

Let's do it

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 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 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 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
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
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

Download Mashreq Mobile App