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Money worries?

Get the right support to help overcome your financial dificulties

Let us help you find a solution

At HSBC, we’re committed to helping you overcome any financial difficulties that you may be experiencing, whether it’s reduced income, an illness, a death in the family or any other personal reasons. Our dedicated Debt Workout Unit specialists will work directly with you, to provide personalised advice and design a tailored repayment plan to meet your needs. Through this approach, we've helped thousands of customers to repay their debts more comfortably.


How can we help?

If you think you might not be able to make your monthly credit card, loan or overdraft repayments, or have already missed a payment, contact us as soon as possible.  We are here to discuss your options with you to find the best solution given your particular financial circumstances. 


How to get help?

You can contact us through the following channels:

  • Phone: +852 3663 9572 during 9.00 a.m – 5.30 p.m., Monday – Friday
  • Email:
  • Mail:    HSBC Debt Workout Unit

                2/F, Tower 1, HSBC Centre

                1 Sham Mong Road, Kowloon

                Hong Kong

Just briefly let us know the reason(s) of your current financial difficulties, the amount of debt you have and your current income and expenditure by using the Application Form and Statement of Affairs Form below and fill in as much as possible to help us understand your current financial situation.

Please also provide the following documents for our verification purposes:

  • Hong Kong Identity Card Copy
  • Valid income proof (Salary slip, MPF Receipt/Statement, employment contract etc.)
  • Copy of Savings Passbook and/or Bank Statements for the past 3 months
  • Statements and/or loan agreements of your non-HSBC debts
  • Tax Demand Note of last year
  • Recent public utility bill showing your current correspondence address 

For your convenience
documents can be submitted to any HSBC branch and marked “FAO: HSBC DWU / 2/F Tower 1 HSBC Centre” or by mail or email using the contact details above.


How long will the process take?

We know that you will be under stress so our staff will endeavour to provide you with the right solution as soon as possible. It could be a week or a month if we need to contact other financial institutions on your behalf or if all the required documents are not available. Regardless of how long it takes we will keep you updated of progress and stop any other debt recovery action whilst you work with our Debt Workout specialist.

The earlier you contact us the sooner we can start helping you.


Will it cost me anything?

No, there will be no administration fees for any service provided by our Debt Workout Unit. They are there to help you to comfortably repay your debts.


Important information

Registration with Credit Reference Agency

It is an industry requirement for details of any form of debt restructuring to be registered with the Credit Reference Agency, TransUnion Limited. This may adversely impact your ability to obtain credit both from ourselves and from other credit providers in Hong Kong.

If your account becomes overdue by more than 60 days at any time during the repayment period of the restructured loan, records of your default history will be retained there for a period of 5 years after final settlement. However if payments are kept up to date it may be possible to remove the record shortly after full and final settlement of the restructured loan.


Closure of all existing HSBC unsecured credit facility accounts

If debt restructuring is the agreed option, all your HSBC accounts with credit facilities such as credit cards, overdrafts and loans will be closed. Any auto-payment services (e.g. Insurance, utility bill, Octopus & Payment by Phone Service etc.) paid through these accounts will need to be stopped and alternative arrangements made. Any unredeemed Credit Card RewardCash will be forfeited upon the closing of your credit card accounts. Once we have a better understanding of your financial circumstances, we can provide more information on this process.

Any existing current or savings account may remain open as a repayment account. Other products and services such as MPF and Insurance will not be affected. 


Debt Relief Plan
For more information about the Debt Relief Plan and how it can help you to manage your finances, please read the consumer guide.


Contact us


+852 3663 9572
9.00 a.m – 5.30 p.m


HSBC Debt Workout Unit
2/F, Tower 1,
HSBC Centre
1 Sham Mong Road,
Kowloon, Hong Kong