Important information

• Changes to Online and Mobile Banking Terms. From 26 July 2021, there will be changes to the Online and Mobile Banking Terms.

Summary of change

1. We combined the 'Terms and Conditions for HSBC Internet Banking' and 'Terms and Conditions for HSBC HK Mobile Banking app and Mobile Security Key' into one document so that you can access them in one place. The new terms have been renamed as  'Online and Mobile Banking Terms'

2. We’ve written new terms in simpler language to make them easier to understand and fairer to you

3. The new terms won’t otherwise adversely affect your rights and obligations

You can view the updated terms here. 

• From July 2021 onwards, customers will receive email confirmation for incoming Faster Payment System (FPS) transactions including credit payment advice, fund transfer credit advice, payment return advice and fund transfer refund advice.
• From 28 June 2021, you'll be able to get access to more advice on banking, mortgage related fire insurance, mortgage and investments¹ via the HSBC HK Mobile Banking app and Online Banking.
  
• Due to the annual vehicle inspection of the Mobile Branch, the service of Mobile Branch stationed respectively at Lam Tin Estate and Lei Yue Mun Estate will be suspended from 20 May to 21 May 2021.  Please click here for details.
  
• According to the update from Hongkong Post, some mail services to certain overseas destinations have been suspended/may be delayed due to country lockdown/insufficient air flight capacity. Delivery of correspondences such as banking/investment/credit card account statements and related mails (including transaction advice/notification, cheque books, returned cheques, credit/debit cards etc.) might be impacted. To access your statement and advice anytime and anywhere, please register for eStatement and eAdvice via our Personal Internet Banking (PIB). You can also submit your corporate action instruction through PIB to avoid delay in mail delivery. For any enquiries, please visit HSBC Branches or call us by phone.
• Effective 1 Apr 2021, for all personal credit cards, we will only issue card with contactless payment function. The contactless payment function cannot be removed or disabled.
  
• From 14 Mar 2021 onwards, we have sent credit card statements via email to customers who are not Personal Internet Banking users. Please click here for details.
• From 28 Jan 2021 onwards, our ‘Chat With Us’ terms of use will be revised to allow our automated chat to help you on top of our customer service officer. You can continue to chat with us if you agree to the revised terms found here.

1. Monthly HIBOR-based mortgage plan repayment advice (with company interest subsidy), mortgage related fire insurance notices (including pre-renewal arrangement notices, renewal notices, renewal reminders and renewal confirmations), advice for cheque purchase returns / correspondent bank charges, advice for cheque collection, Stocks Monthly Investment Plan advice and unit trust contract notes.
   

• With effect from 1 January 2021, the charges collected on behalf of Hong Kong Interbank Clearing Limited for issuance of circulars on loss of a cashier's order will be adjusted from HK$321 to HK$331. Our charges on loss of a cashier's order remains unchanged (i.e. HK$60). For details, please refer to the Notice of Changes.
• Due to the annual vehicle inspection of the Mobile Branch, the service of Mobile Branch will be suspended on 14 & 15 December 2020.  Please click here for details.
  
• For customers who have registered to view their account balance via our HSBC HK WeChat Official Account, we wish to inform you that as from 22 November 2020, "HSBC HK WeChat Official Account Service"will be renamed "HSBC HK WeChat Binding".  Accordingly as from the same date, the "Terms and Conditions for HSBC HK WeChat Official Account Service"will be renamed "HSBC HK WeChat Binding Terms and Conditions", and all references to "HSBC HK WeChat Official Account Service"in the said terms and conditions and other HSBC materials and publications will be replaced by or regarded as a reference to "HSBC HK WeChat Binding". The change does not affect your rights and obligations when using this service.
  
• With effect from 22 November 2020, HSBC Global View and HSBC Global Transfers services will no longer be available on the old version of Personal Internet Banking. Please go to the new Personal Internet Banking for these services.
  
• The Stock Exchange of Hong Kong launches its enhanced Pre-opening Session (which includes the introduction of a random matching period and a price limits of +/- 15%) on 19 Oct 2020. Please click here for details. Also please note that starting from 10 Oct 2020, you will not be able to place multiple day orders for At-auction limit orders.
• With effect from 1 January 2021, we will no longer accept Renminbi outward telegraphic transfer (ORTT) into mainland China with a China National Advanced Payment System (CNAPS) code. Outward telegraphic transfer application in all supported currencies into mainland China will require the input of a SWIFT Bank Identifier Code (BIC). For details, please refer to the Notice of Changes. If you have any existing standing instruction (SI) for Renminbi ORTT going into mainland China with a CNAPS code, you are required to amend the SI record with SWIFT BIC as soon as possible to avoid payment instruction rejection.
  
• From Nov 2020 onwards, you can view additional banking advice for specific accounts or transactions, e.g. overseas ATM cash withdrawals, personal loan overdue reminders and mortgage loan via the HSBC HK App and online banking. For details, please visit https://www.hsbc.com.hk/help/faq/internet-banking/#estatement
  
• With effect from 21 September 2020, we will only accept new applications for Secured Credit from HSBC Premier customers for their Premier accounts, other applications will not be accepted. If you are an existing Secured Credit Customer, you will not be affected and can continue to use the service after 21 September 2020 subject to all the applicable terms and conditions.
• According to the latest update from Hongkong Post Office, it has resumed normal services from August 24 as the epidemic situation has subsided. However, it anticipates that local and inbound mails will still be subject to a delay of about six to nine days. Delivery of correspondences such as banking/investment/credit card account statement and related mails (including transaction advice/notification, cheque books, returned cheques, credit/debit cards etc) will be impacted. To access your statement and advice anytime and anywhere, please register for eStatement and eAdvice via Personal Internet Banking. You can also submit your corporate action instruction through HSBC Personal Internet Banking to avoid delay in mail delivery. For any enquiries, please visit HSBC Branches or call us by phone. 
• HSBC Advance accounts will start transforming into HSBC One accounts in phases from 27 October 2020. For more details, please refer to the Notice of Changes.
  
• Due to the temporary suspension of postal services by Hongkong Post, delivery of physical Security Devices may be delayed. As an alternative, you may activate your Mobile Security Key on HSBC HK App by following the instructions here.
  
• With effect from 1 September 2020, we will no longer issue demand draft in any currencies drawn in United Kingdom and France.  Please use telegraphic transfer for remitting funds instead. For details, please refer to the Notice of Changes.
  
• Commencing Aug 2020, Live Chat Terms of Use will be revised. 
  
• Due to the postal services arrangement issued by Hongkong Post Office on 20 Jul 2020, mail delivery service in Hong Kong will be provided twice a week from 20 to 26 Jul 2020.  Delivery of correspondences such as banking/investment/credit card account statement and related mails (including transaction advice/notification, cheque books, returned cheques, credit/debit cards etc) will be impacted.  To access your statement and advice anytime and anywhere, please register for eStatement and eAdvice via Personal Internet Banking.  You can also submit your corporate action instruction through HSBC Personal Internet Banking to avoid delay in mail delivery.  For any enquiries, please visit HSBC Branches or call us by phone. 
  
• With effect from 4 July 2020, we will no longer support FPS ID in "Quick Transfer"in Online Banking. For transfers using FPS ID, please go to "Move Money"and select "Pay or transfer".
• Due to the annual vehicle inspection of the Mobile Branch, the service of Mobile Branch will be suspended on 20 & 21 July 2020. Please click here for details.
  
• With effect from 1 July 2020, we will no longer accept any new application for Secured Credit from HSBC One and Personal Integrated Account customers. If you are an existing Secured Credit customer, you will not be affected and can continue to use the service after 1 July 2020 subject to all the applicable terms and conditions.
  
• Please note that the existing Integrated Account Terms and Conditions and China Connect: Shanghai-Hong Kong and Shenzhen-Hong Kong Stock Connect Terms and Conditions will be updated with effective from 31 Jul 2020. For details, please refer to the Notice of Changes. 
  
• With effect from 8 June 2020, domestic transfers , 24-Hour Currency Exchange Service and domestic standing instructions to HSBC accounts will no longer be available on the old version of Personal Internet Banking. To use the service, please go to our new Personal Internet Banking now.
  
• Due to the annual vehicle inspection of the Mobile Branch, the service of Mobile Branch stationed respectively at Mei Tung Estate, Lam Tin Estate and Lei Yue Mun Estate will be suspended from 13 May to 15 May 2020.  Please click here for details.
  
• Due to limited flight services by airlines, there will be a delay of air mail service by Hongkong Post Office except for mainland China and Macau.  For details, please refer to HK Post website. Delivery of correspondences such as banking/investment/credit card account statement and related mails (including transaction advice/notification, cheque books, returned cheques, credit/debit cards etc) will be impacted.  To access your statement and advice anytime and anywhere, please register for eStatement and eAdvice via Personal Internet Banking.  You can also submit your corporate action instruction through HSBC Personal Internet Banking to avoid delay in mail delivery. For any enquiries, please visit HSBC Branches or call us by phone. 
  

• From 1 June 2020, we will send the credit card credit facility termination letter to your email address registered in HSBC.  Upon receipt of the letter, you may request the Credit Reference Agency to delete the account data of the terminated Credit Facility from its database.  If you do not maintain a valid email address in HSBC, the letter will be sent to your correspondence address by mail.

• Please note the term on Bank tariff guide will be updated from "Bank tariff guide for HSBC Retail Banking and Wealth Management Customers"to "
  Bank tariff guide for HSBC Wealth and Personal Banking Customers"in the Terms and Conditions of these products, effective on 7 May 2020: Revolving Credit Facilities and Cash Credit Plan.
• From 24 May 2020, you will be able to immediately increase the daily transfer limit for your registered payees via online banking. We recommend you to review and adjust your payment limits regularly to meet your transaction needs.
• We take cyber-security seriously. As part of our ongoing efforts for a safer online banking experience, starting from 22 March 2020, you will need your physical Security Device or Mobile Security Key to send money to HSBC account and make overseas transfer on the old version of Internet Banking.
  
• With effect from 1 May 2020, we will no longer accept personal customers using non-bank standard form for the instruction of issuance of Cashier's Order/ issuance of Demand Draft / account transfer between local HSBC accounts. Please use the Bank's standard form for submitting aforesaid payment instruction instead. For details, please refer to the Notice of Changes.'
• From early February 2020, the maximum daily limit for bill payment type 'Government and Utilities' will be increased to HKD 999,999 (amended). Maximum daily sub-limits for each merchant category are different and you can set your limits via online banking.
• To provide better banking services, we will directly conduct or commission an independent research company to conduct a customer survey via phone, email or SMS collect your valuable feedback. Information collected in the survey will be kept confidential by us and will only be used in the improvement of service quality.
  
• The service schedule of the Mobile Branch at Shatin Pass Estate will be changed from every Monday to alternate Monday (except public holidays) after the close of business on 23 March 2020. Please click here for the detailed service schedule from March to December 2020.
• With effect from 17 January 2020, request for cheque book and set overseas ATM withdrawal limit service will no longer be available on the old version of Personal Internet Banking. To use the service, please go to our new Personal Internet Banking site now.
  
• With effect from 1 January 2020, we will no longer issue demand draft in non-local currency drawn in other countries/ territories.  Please use telegraphic transfer for non-local currency remittances to respective countries/ territories instead.  For details, please refer to the Notice of Changes.
  

• Starting from 2 December 2019, "HSBC UnionPay Dual Currency Diamond Credit Card" has been renamed as "HSBC Pulse UnionPay Dual Currency Diamond Credit Card". The Credit Card Cardholder Agreement as amended from time to time shall continue to apply. The Card design will be renewed, which will be available from mid December 2019 onwards. All existing HSBC UnionPay Dual Currency Diamond Credit Card cardholders could enjoy all card benefits of the renamed card without requesting for a replacement card.
  
• Commencing 20 December 2019, all Wayfoong Statement Gold issued by HSBC will no longer be considered Eligible Asset for Secured Credit Facility. The credit-to-asset ratio of the Wayfoong Statement Gold will be readjusted to zero on the effective date.
  
• Due to the annual vehicle inspection of the Mobile Branch, the service of Mobile Branch will be suspended on 16 December 2019.  Please click here for details.
  
• Due to renovation work at the external wall of Ching Pak House in Cheung Ching Estate will be carried out for 3 months, the service of Mobile Branch at the aforesaid location will be suspended from 3 December 2019 to 25 February 2020 (every Tuesday).  Please click here for details.
  
• From 1 November 2019, we will change the indicative rollover interest rate for the following currencies in the Margin FX Trading Services:

1) United States Dollar(USD):

 - Long Position:  Revised from 1.25% to 1.00%

 - Short Position: Revised from 2.45% to 2.20%

Please remember to review your open position and margin requirement regularly.  Geopolitical and economic news and announcements may lead to increased volatility of the FX market. Please ensure there is sufficient funding in your Margin FX collateral account(s) and/or reduce the open position size accordingly.

• HSBC Jade Passport is available from 28 August 2019. To learn more, please go to HSBC Jade page. 
  
• With effect from 1 October 2019, we will no longer issue demand draft in any currencies drawn in Germany.  Please use telegraphic transfer for remitting funds to Germany instead.  For details, please refer to the Notice of Changes.
  
• With effect from 26 September 2019, eStatement and eAdvice service will no longer be available on the old version of Personal Internet Banking. To use the service, please go to our new Personal Internet Banking now.
  
• With effect from 16 September 2019, the outward telegraphic transfer services to Nigeria initiated in Nigerian Naira (NGN) will be terminated.  Outward telegraphic transfer to Nigeria initiated in other currencies will not be affected.  For details, please refer to the Notice of Changes.
  

• With effect from 1 September 2019, we will no longer issue demand draft in Hong Kong Dollar (HKD), United States Dollar (USD) and Pound Sterling (GBP) drawn in Canada.  Please use telegraphic transfer for remitting the aforesaid currencies to Canada instead.  For details, please refer to the Notice of Changes.
  
• Commencing 1 September 2019, payment instructions using the old versions of Telegraphic Transfer / Interbank Fund Transfer Application Form (Form) will not be processed. Please click here for downloading the latest Form. For details, please refer to the Notice of Change.
  
• In view of the ceasing of the Octopus Rewards Conversion Scheme, relevant provisions in relation to the Scheme will be removed from the RewardCash Programme Terms and Conditions from 23 August 2019.

Please click here to read the Notice of Change for details.

• New arrangement of statement delivery

Starting from 20 July 2019, we will streamline the generation and delivery of Securities Margin Trading Services/ Investment Financing account - composite statements (daily). You will receive the statement only when there is any movement in your investment holdings, cash positions or any transactions pending for settlement, in addition to your monthly statement.

• With effect from 1 September 2019, Bill payment (including Charity Donation), eBill and eReceipt service will no longer be available on the old version of Personal Internet Banking. To use the service, please go to our new Personal Internet Banking now.
  
• Effective 1 August 2019, HSBC will no longer accept paper forms for instructions to add new payees or to change a transfer limit to a registered payee. These requests must now be submitted using Personal Internet Banking or the HSBC Mobile Banking app. If successful, you will see your new payee and/or the new transfer limit on the Move Money page of Personal Internet banking or the Transfers section of the HSBC Mobile Banking app within 2 working days. We will no longer send you a confirmation letter when the request is complete. If your request is unsuccessful, we will notify you by SMS.
  

• Commencing July 2019, Live Chat will be enhanced with chatbot introduction in some journeys to handle general enquiries. The revised Terms of Use for Live Chat is available online.
  
• Due to the annual vehicle inspection of the Mobile Branch, the service of Mobile Branch will be suspended on 22 & 23 July 2019.  Please click here for details.
  
• With effect from 2 August 2019 (the "Effective Date"), the proportion of interest and principal in each monthly repayment for Personal Instalment Loan (the "Loan") drawdown or redraw will be calculated according to the Straight-line method. For any Loan drawn down or redrawn before the Effective Date, the proportion of interest and principal in each monthly repayment will continue to be calculated according to the Rule of 78. For details, please refer to the Notice of Change.
  

• Commencing 1 July 2019, all bonds issued by HSBC and its subsidiaries will no longer be considered Eligible Asset for Secured Credit Facility. Effective limit generated from the affected bonds will be readjusted to zero on the effective date. Please click here for the list of affected bonds.
  
• Starting from 30 June 2019, we will be extending contactless payment function to all new, replacement and renewal cards of , HSBC UnionPay Dual Currency Diamond Card , HSBC UnionPay Dual Currency Credit Card, HSBC Gold MasterCard and HSBC MasterCard by phases to provide you with added convenience.
  
• With effect from 20 June, 2019, domestic interbank transfers and the standing instructions feature will no longer be available on the old version of Personal Internet Banking. To make a transfer or set up a standing instruction/recurring payment, please go to our new Personal Internet Banking now.
  
• Due to the annual vehicle inspection of the Mobile Branch, the service of Mobile Branch will be suspended on 14 May 2019.  Please click here for details.
  
• Changes to the RewardCash Programme Terms and Conditions will take effect from 1 Apr 2019. For details, please refer to the Notice of Change.
  
• Before confirming a transfer or deposit of funds to a third party in Hong Kong, please verify the account number / mobile number / email address / FPS Identifier and partially-masked name (if available) of your payee carefully. In case any funds are deposited to a wrong account by mistake, please contact us for assistance as soon as possible. We will help you contact the payee to return the funds provided that all the necessary information is received by us. If the payee refuses to do so, you may consider reporting the case to the Police or seek independent legal advice to recover the funds, if necessary. On the other hand, if you have received any funds from an unknown source, please report the matter to us immediately.
  
• Commencing May 2019, if you are receiving paper statements, we will send both Integrated Account Statement and the linked Investment Services - Composite Statement (account number ending in -380 only) in a single envelope if the recipient name(s), Hong Kong correspondence address and statement issue date are the same.
  
• Please note that the existing Integrated Account Terms and Conditions, Securities Account Terms and Conditions, Unit Trusts Account Terms and Conditions, Overseas Securities Service Terms and Conditions, Terms and Conditions for Securities Margin Trading Services and Terms and Conditions for HSBC Internet Banking will be updated with effect from 6 April 2019. For details, please refer to the Notice of Changes.
  
• The fee for stop payment order for paper cheque and e-Cheque (via branches) will be revised from HK$100 to HK$150 with effect from 1 May 2019.
  
• Please note the following term on staff's remuneration will be added to the Terms and Conditions of these products, effective on 22 Feb 2019: Personal Instalment Loan, Personal Instalment Loan Balance Consolidation Program, Revolving Credit Facilities, Cash Instalment Plan, and Cash Credit Plan.
  "Staff's remuneration
  The remuneration for our sales staff is determined based on the staff's overall performance with reference to a wide range of factors, and is not determined solely on his financial performance. Sales staff's remuneration is subject to review from time to time, for the purpose of encouraging the building of deep, long-lasting and mutually valuable relationships with customers."
  If you are using our Revolving Credit Facility, you will be bound by the amendment unless you cancel the facility or terminate the related account before the date on which the amendment takes effect.  If you are using the other respective products, you will be bound by the amendment unless you fully repay your loan before the date on which the amendment takes effect.
  
• Please note the following term on staff's remuneration will be added to the Terms and Conditions of these products, effective on 1 Feb 2019: Spending Instalment Plan, and Personal Overdraft.
  "Staff's remuneration
  The remuneration for our sales staff is determined based on the staff's overall performance with reference to a wide range of factors, and is not determined solely on his financial performance. Sales staff's remuneration is subject to review from time to time, for the purpose of encouraging the building of deep, long-lasting and mutually valuable relationships with customers."
  If you are using our Personal Overdraft, you will be bound by the amendment unless you cancel the facility or terminate the related account before the date on which the amendment takes effect.  If you are using the other respective products, you will be bound by the amendment unless you fully repay your loan before the date on which the amendment takes effect.

1. The Hongkong and Shanghai Banking Corporation Limited would like to alert its customers on bogus communications that claim to be from HSBC. (eg fraudulent telephone calls, voice messages, emails, SMS and communications in other formats)
2. Customers are reminded not to provide any personal information to unsolicited callers. If customers are concerned they may have disclosed their personal details to any suspicious third parties, or want to identify whether the communication is from our bank they should call the HSBC Personal Banking Hotline at 2233 3000 or report to the Police.
3. Techniques such as voice message phone calls or fraudulent SMS messages are being used to trick bank customers into calling bogus bank hotline numbers. We would like to inform customers that the Bank has no connection with these bogus communications.
4. Suspicious voice message phone calls made from Interactive Voice Response system claiming to be from HSBC, disclosed that there are irregularities detected from the customers banking account or credit card, and requested customer to input personal information or contact operator for account authentication. Customers can know more on tips from our website of how to identify a fraudulent call and what you can do.
5. Fraudulent SMS messages purportedly to be sent from a bank claimed that there were credit card transactions conducted using a customer’s credit card, and request the customer to call a bogus hotline number mentioned in the messages to check the credit card transactions. If customers find the service hotline number is suspicious, customer should verify the hotline numbers with the Bank before calling rather than just following the information provided in SMS messages.
6. HSBC has not authorised or appointed any intermediaries to conduct telesales marketing activities for promotion of unsecured personal loans such as personal loan, tax loan and credit card. If the caller claims to be from HSBC or other financial institutions inviting applications for personal loan/tax loan/credit card, this is a suspected unauthorized telesales calls.
7. If you prefer not to receive marketing information via telephone calls from HSBC, please inform us by calling 2233 3000 or mailing your request to The Hongkong and Shanghai Banking Corporation Limited, PO BOX 72677, Kowloon Central Post Office, Kowloon, Hong Kong or visiting any one of our branches. Please specify you would like to stop receiving telemarketing calls when making such request. We will arrange to have your contact phone details excluded from our marketing list without charge in 7 calendar days.