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Current Accounts

Hong Kong Dollar Current Account 

Straightforward, streamlined day-to-day banking, designed to make your life easier.
  • Simple, convenient bank account
  • Write paper cheques/ e-Cheques for day-to-day payments

How to Apply

Renminbi Current Account1

Straightforward day-to-day banking in renminbi.
  • Manage your money and issue paper paper cheques/ e-Cheques
  • Issue paper cheques/ e-Cheques in renminbi
  • No maximum balance
  • Access your account 24 hours a day via HSBC Personal Internet Banking or phone banking

How to Apply

United States Dollar Current Account 

Manage money and issue paper cheques/ e-Cheques for day-to-day payments.
  • Simple, convenient bank account
  • Issue paper cheques/ e-Cheques in US dollars
  • Access your account 24 hours a day via HSBC Personal Internet Banking or phone banking

How to Apply

Notes:

1 Renminbi Current Account for Hong Kong residents is i) to issue cheques in Hong Kong with any amount and ii) to retailers across Guangdong Province (including Shenzhen) for consumer spending with up to RMB80,000 amount for each cheque and maximum amount of RMB80,000 in total for settlement per day. In the event that the total amount of all the cheques issued by the same customer in Guangdong Province (including Shenzhen) presented on a particular clearing day exceed RMB80,000, one or more of the cheques will be returned in order to keep the total settlement amount of the relevant cheques for the day to be within the limit of RMB80,000. A Return Cheque Fee will be levied. Renminbi cheques can be issued to individuals and companies in Hong Kong with a valid renminbi account which can accept renminbi cheque deposits. Please check that the individual or company is willing to accept renminbi cheques as a means of payment. Renminbi denominated cheques issued by non-Hong Kong residents are for use in Hong Kong only and are not for use in the Mainland.

 

Risk Disclosure

Currency conversion risk - the value of your foreign currency and renminbi deposit will be subject to the risk of exchange rate fluctuation. If you choose to convert your renminbi deposit to other currencies at an exchange rate that is less favorable than the exchange rate in which you made your original conversion to renminbi, you may suffer loss in principal. 

Investment involves risks. Past performance of investment products are no guide to future performance. For details of the investment products and the investment-linked insurance plan, their related fees and charges and risk factors, please refer to the individual product materials/ offering documents.