Manage your money and budget with our HSBC HK App

Meet 'Budget', your new mobile personal financial management tool

‘Budget’ is a personal financial management (PFM) tool that runs on the HSBC HK app to help you master your cash flow, find ways to save, and bank smarter with quests and exclusive offers.

You can easily track your cash flow and spending, and receive data-driven personalised insights on how to manage your money, directly from the app.

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Here's what you can do

Net cash flow made simple

You can instantly see your income minus spending based on activities on your current and savings accounts.

Net cash flow shows the difference between the money coming in and going out of your current and savings accounts each month.
A positive cash flow means you're saving more than you spend, while a negative cash flow means you're spending more than you earn.
Credit card transactions are only added to ‘money out’ when you pay your bills.

Keep track of your spending

'Budget' automatically tracks your expenses so you can see your total spending across all HSBC bank accounts and credit cards.

Access detailed transaction breakdowns to understand your spending pattern and where you spend the most
Make your own expense tracker
- Personalise your tracking to see expenses from all your accounts or just a select few
- Recategorise transactions among 18 categories, or exclude certain transactions entirely
We exclude transfers to self-named accounts and personal investments to make your tracker more insightful^*
Gain personalised insights on how you can maximise your money with minimal effort
Free for all HSBC customers with no set-up required

*Applicable to transfers between HSBC products / services only.

You can set your own cycle start date – like your payday – to get a clearer picture of what you can save or invest after your spending. This makes cash flow insights more relevant to your habits. It also helps you spot trends, adjust your budget, and plan to save or invest more for your goals.

Plan your budget

Use the expense tracker to closely monitor your spending run rate and take control of your finances.

Step 1: Scroll to the bottom of the ‘Expense’ page and select ‘Personalise your view’

Step 2: Select ‘Monthly budget’ to set a monthly expense budget

Tailored for you

‘Budget’ is powered by big data and artificial intelligence. We also bring you relevant promotions through quests and offers.

Quests are actions and ideas you can adopt to improve how you manage your money.
Offers are exclusive promotions that are curated especially for you.

Stay tuned for more features!

Note: The screen displays and the images of the website are for reference and illustration purpose only

Note: The screen displays and the images of the website are for reference and illustration purpose only

One touch and you're in

FAQ

1. How do I access ‘Budget’ in HSBC HK App?

Stay on the homepage. Select the menu icon, then the ‘Budget’ icon.
Scroll down on the homepage to tap the ‘net cash flow’ section.

2. Do I need to pay to use this feature?

No. This is a free service on the HSBC HK App. All you'll need to do is register for Personal Internet Banking if you haven't already.

3. Will I be able to see transactions on Budget in real time?

It may take up to 3 working days for your individual transactions to be reflected.

4. How many months is Budget able to track?

Budget will track and reflect transactions for 12 months including the current month.

5. Can I link other accounts from other banks to this service?

No. This service is only applicable to a customer's joint or sole-named account, or his/her credit card account.

6. Can I have a statement of my cash flow and expense breakdown?

There will not be any statements issued based on your cash flow and expense breakdown. You can view your net cash flow, expense and trend analysis from the past 12 months directly on the app.

1. What is the net cash flow?

Net cash flow shows the difference between the money coming in and going out of your current and savings account each month. A positive cash flow means you're saving more than you spend, while a negative cash flow means you're spending more than you earn. Credit card transactions are only added to ‘money out’ when you pay your bills.

2. What counts as money in and out?

Money in includes, but is not limited to, salary, deposits, transfers, and investment income. Money out includes, but is not limited to, bill payments, outgoing transfers, investments, and withdrawals.

3. Are foreign currency transactions included?

Yes, foreign currency transactions are converted and calculated in HKD equivalent.

4. Why is my cash flow negative after I invest from savings?

When you use savings to invest, it counts as money out, which may lead to negative cash flow for that month – even if you’re growing your wealth for the future.

5. Does negative cash flow always mean something wrong?

Not always. Negative cash flow may be due to investments or major purchases – so it’s important to review the details.

Note: If needed, please meet with one of our investment advisors, who'll be able to guide you on personal financial planning and help you select investment products aligned with your life goals.

6. How can I benefit from tracking my net cash flow?

Monitoring your cash flow helps you spot trends, adjust your budget, and plan to save or invest more for your goals.

7. Can I edit start date of my cash flow cycle?

Yes. You can find ‘edit cash flow setting’ under Cash Flow Tab to edit your cycle start date. After successfully editing your start date, a pop-up message will show up to confirm.

8. How does the start date affect your cash flow analysis?

The custom start date applies to your net cash flow information. It doesn’t affect the cash flow over time data and monthly chart.

9. How can I benefit from customising cycle start date?

Set your own cycle start date – like your payday – to get a clearer picture of what you can save or invest after your spending. This makes cash flow insights more relevant to your habits, helping you manage your money your way.

1. Will I get alerts if I overspend?

Yes. You can check your spending status under ‘Expense’ page.

2. Can I manually edit or recategorise transactions?

Yes. You can manually recategorise transactions and edit transaction amount by tapping a particular transaction detail in the ‘Expense’ page.

3. How do I exclude certain transactions from my expense tracker?

To exclude certain transactions, you can edit through transaction details in ‘Expense’ page.

4. Can a primary cardholder view the spending analysis of a supplementary cardholder?

Yes, primary cardholders are able to view the expense analysis for both their own card and the supplementary card.

However, supplementary cardholders can only view their own expense analysis but not that of the primary cardholder.

5. Will transactions from PayMe be included in Budget?

No. However, your PayMe top up expenses from your HSBC account and/or credit card will be reflected (under eWallet top up).

Budget - digital money tool

Meet 'Budget', your new mobile personal financial management tool

Download HSBC HK App

Here's what you can do

Net cash flow made simple

Keep track of your spending

How to personalise your tracker

Plan your budget

How to set up your budget tracker

Tailored for you

One touch and you're in

FAQ

General

Cash Flow

Budget