Select statement to retrieve xml output as below
Give this a try:

SELECT 
    t1.UserName AS "Account/UserName",
    t1.Hash AS "Account/Hash",
    t2.Phone AS "Personal/Phone",
    t2.City AS "Personal/City"
FROM table1 t1

    INNER JOIN table2 t2
        ON t1.rid = t2.rid

FOR XML PATH ('UserDetails');


I have added a second code sample in response to your comment.  I have no idea if this will work, or if it is even the best way to accomplish what you want it to.  Please let me know.

SELECT 
    t1.UserName AS "Account/UserName",
    t1.Hash AS "Account/Hash",
    (
        SELECT
            t2.Phone AS "Personal/Phone",
            t2.City AS "Personal/City"
        FROM table1 t2

            INNER JOIN table2 t3
                ON t2.rid = t3.rid

        WHERE t2.rid = t1.rid

        FOR XML PATH('Personals')
    )
FROM table1 t1

    INNER JOIN table2 t2
        ON t1.rid = t2.rid

FOR XML PATH ('UserDetails');