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Important information

Stay up to date with our services, changes to terms and conditions and other important updates.

Important Notices

  • HSBC is introducing new banking services as part of an industry wide launch of the new Faster Payment System in Hong Kong. The HSBC General Terms and Conditions, Integrated Account Terms and Conditions and Super Ease Account Terms and Conditions will be updated with effective from 17 September 2018. For details, please refer to the below Notice of Changes:

-Notice of Changes on the General Terms and Conditions effective from 17 September 2018

-Notice of Changes on the Integrated Account Terms and Conditions effective from 17 September 2018

-Notice of Changes on Super Ease Account Terms and Conditions effective from 17 September 2018

  • Due to the annual vehicle inspection of the Mobile Branch, the service of Mobile Branch will be suspended on 23 & 24 July 2018. Please click here for details.
  • “Cash Instalment Plan (Notice of Change on Terms And Conditions effective 30 July 2018)”
    Please click here for details
  • Important notice for customers who are using the new version of HSBC Internet Banking: With effect from 22 June 2018, registration of new payee will not be available on the old version of HSBC Internet Banking. Please complete the registration via the New Internet Banking.
  • With effect from 21 June 2018, an Appendix V, an Appendix 2 and an Appendix 3 regarding the Terms and Conditions for HSBC IPO Nominees Services and IPO loan (“these Conditions”) governing the subscription to Initial Public Offerings (“IPO”) is added into the Integrated Account Terms and Conditions, Securities Account Terms and Conditions and Terms and Conditions for Securities Margin Trading Services respectively. You should read and understand these Conditions before submitting any IPO application via HSBC channels.For details, please refer below Notice of Changes.

        -Notice of Changes on the Integrated Account Terms and Conditions

        -Notice of Changes on the Securities Account Terms and Conditions

        -Notice of Changes on the Terms and Conditions for Securities Margin Trading Services

  • Please note that our existing Jade by HSBC Premier Membership Terms will be revised with effect from 5 June 2018. Please click here for details.
  • Important notice: From mid-July 2018, we will be sending notification to you on execution of trades you conduct online or via our mobile apps. Please ensure that you have provided us with a valid mobile phone number to receive such notification via SMS, or you will not be able to trade online or via our mobile apps after mid-July. You can update your mobile phone number via Personal Internet Banking or any HSBC branches in HK.  View www.hsbc.com.hk/inv-sms/ for details.

    *Applicable to securities, unit trusts, equity linked investments, bonds, certificates of deposits, margin forex trading and Wayfoong statement gold transactions

  • Please note that our existing terms and conditions of Customer Advice for ATM and Cash Deposit Machine and terms and conditions on Cheque Deposit Machine will be revised with effect from 15 April 2018. For details, please refer to the Notice of Change.
  • Effective from 2 May 2018, please visit the designated branches if you need to deposit your share certificate(s). Please click here for details.
  • Change on HSBC Mobile Credit Card Addendum to HSBC Credit Card Cardholder Agreement and RewardCash Programme Terms and Conditions will take effect from 1 June 2018.
    Please click here to read the Notice of Change for details.
  • With effect from 21 January 2018, the Personal Internet Banking logon page design will be updated to standardize our look. This does not affect your Personal Internet Banking experience.
  • Please note that credit card repayment by cash or transfer can now be reflected instantly during specific servicing hours. You can check your up-to-date available credit limit.

 

- Available HSBC banking channels for credit card repayment:

Personal Internet Banking, Mobile Banking, Phone Banking, Automatic Teller Machines, Cash Deposit Machines, and at any branches

- Available channels to view up-to-date credit card outstanding balance and available credit limit:

Personal Internet Banking, Mobile Banking, Phone Banking, Automatic Teller Machines, and at any branches (for outstanding balance only)

- Specific servicing hours for credit card instant repayment by cash or transfer:
Mon – Sat 9am – 6pm
Sun and Public Holiday 9am – 12 midnight
Payments made outside the above stated hours will be processed at the next real-time processing period.

  • The Personal Instalment Loan Terms and Conditions and Personal Tax Loans Terms and Conditions will be updated with effective from 28 March 2018. For details, please refer to the Notice of Change.
  • With effect from 26 November 2017, the daily maximum transfer limit for each registered transfer account will be increased from HKD1,000,000 to HKD3,000,000 which is applicable to Internet Banking and Mobile Banking. Limit of all the existing registered transfer account(s) remain unchanged. Customers can set the daily transfer limit of registered transfer account(s), add new or delete existing registered transfer account(s) through Internet Banking with security device or mobile security key if applicable.
  • Further to the Notice of Change issued on 1 November 2017 regarding the amendment made to the General Terms and Conditions clause 1.5.1, please also note that with effect from 31 December 2017, a new clause 3 is added to Part B2 of the General Terms and Conditions which is only applicable to business accounts.
  • Please note that the existing Integrated Account Terms and Conditions , Overseas Securities Account Terms and Conditions, General Terms and Conditions, Hong Kong Dollar Statement Savings Account Rules, CombiNations Statement Savings Account Rules, Account Rules for Hong Kong Dollar Statement Savings Account for Children, Renminbi Savings Account Rules and Renminbi Current Account Rules will be updated with effect from 31 December 2017. For details, please refer to the Notice of Changes.
  • Effective from 1 Dec 2017, the actual payment date of US stock payment (if any, e.g. dividend) is subject to the date of payment received from the relevant custodian which may sometimes occur beyond the date of payment as announced in the relevant market due to time zone difference and the timing of confirmation by relevant paying agent/custodian.
  • With effect from 13 November 2017, the outward telegraphic transfer services to Taiwan initiated in New Taiwan Dollar will be terminated. Outward telegraphic transfer to Taiwan initiated in other currencies will not be affected. For details, please refer to the Notice of Changes.
  • Change on Autopay Arrangements for Personal Credit Card will take effect from 4 December 2017. Please click here to read the Notice of Change for details.
  • Please note that we will no longer provide "Let us call you" service on our website and Personal Internet Banking with effect from 31 Oct 2017.
  • Important notice: Update on margin threshold of Securities Margin Trading Service
    Effective from 16 Oct 2017, once your Portfolio Margin Ratio (PMR) remains at or above 105% and below 120% for over 3 months or a period determined by the Bank from time to time, we will force sell your securities in the Securities Margin Trading Service Account. Immediate force sell trigger remains as PMR 120%.
  • From 28 Sep 2017, when you purchase at online merchants supporting Verified by Visa or Mastercard SecureCode, you will receive a verification code via SMS. Please ensure your mobile number is updated in Bank’s record. You may change your mobile number at Internet Banking with security device. Terms and Conditions apply.
  • With effect from 11 Sep 2017, the Conditions of Lease of Safe Deposit Locker (for Individual and Joint Lessees) will be revised and the amendments will be binding on you if you continue to use your Safe Deposit Locker on or after the effective date. For details, please refer to the Notice of Changes.
  • From 4 Aug 2018, we will change the indicative rollover interest rate for the following currencies in the Margin FX Trading Services:
1) Pound Sterling (GBP):
 
- Long Position:  Revised from 0.25% to 0.50%
 
- Short Position: Revised from 1.25% to 1.50%
 
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 WARNS AGAINST BOGUS COMMUNICATIONS THAT CLAIM TO BE FROM HSBC
    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.
    8. Click here to watch the TV Announcement in the Public Interest (API) jointly produced by the Hong Kong Monetary Authority and the Hong Kong Association of Banks and relevant materials to understand how to safeguard yourself from bogus calls purported from banks.
  • Please note that our existing Terms and Conditions for Stocks Monthly Investment Plan will be updated to plain language with effect from 28th July 2017. For details of the updates, please refer to the Notice of Changes.
  • Please note that Internet Banking Services for HSBC Premier Junior Pack will be discontinued from 12 Jul 2017. Please click here for details.
  • Please note that Clause 1 of the Terms and Conditions for eAlerts Service and Clause 6.1.2 of the Integrated Account Terms and Conditions on scope of eAlerts Service will be updated with effect from 28 May 2017. For details, please refer to the Notice of Changes.
  • Starting from 1 June 2017, all new, replacement and renewal HSBC Visa Gold Card and HSBC Visa Card we issue will be embedded with Visa payWave contactless payment function as a standard product feature. Please click here for details.
  • Please note that the existing Terms and Conditions for HSBC Internet Banking will be updated with effect from 8 June 2017. For details, please refer to the Notice of Changes.
  • Please note that the existing Integrated Account Terms and Conditions, Securities Account Terms and Conditions and Unit Trusts Account Terms and Conditions will be updated with effect from 8 June 2017. For details, please refer to the Notice of Changes.
  • The amendments on RewardCash Terms and Conditions will take effect from 1 April 2017.
    The amendments on Credit Card Cardholder Agreements will take effect from 1 May 2017.
    Please click here to read the Notice of Changes on on the Use of Personal Credit Cards for details.
  • Please note that our existing terms and conditions for (i) Personal Instalment Loan, (ii) Personal Tax Loan, (iii) Revolving Credit Facility, and (iv) Personal Overdraft Account will be updated with effect from 16 February 2017.

- For details of the Personal Instalment Loan and Personal Tax Loan terms and conditions updates, please refer to the Notice of Change

- For details of the Revolving Credit Facility terms and conditions updates, please refer to the Notice of Change.

- For details of the Personal Overdraft Account terms and conditions updates, please refer to the Notice of Change.

  • Effective from 14 Jan 2017, we will terminate the support for any existing Forex/RMB Switching instruction with expiry option specified as "until further notice". Please specify an expiry date for your Forex/RMB Switching instruction. Otherwise, for instruction without an expiry date, it will be cancelled automatically with effect from the Effective Date.
  • Please note that Credit Card Cardholder Agreement will be updated with effect from 23 February 2017. For details, please refer to the Notice of Change.
  • From 1st Nov 2016, personal customers submitting payment instructions using non-bank’s standard forms or old version bank forms will no longer be accepted by the Bank. Please click here for details.
  • The amendment on RewardCash Terms and Conditions relating to Online Bill Payment will take effect from 1 November 2016. Please click here to read the Notice of Changes on RewardCash Programme Terms and Conditions for details.
  • Please note that the existing Wayfoong Statement Gold Account Agreement (applicable to non Integrated Account holders) will be updated to Plain Language Document with effect from 1 October 2016. For details of the updates, please refer to the Notice of Change.
  • If you would like to make ATM cash withdrawal in the Olympic game cities in Brazil using your HSBC UnionPay ATM card or UnionPay credit card, please click here to find the UnionPay ATM locations.
  • Plan ahead for overseas ATM withdrawal
  • Please note that Clause 17 of the Terms and Conditions for HSBC Internet Banking and the Terms and Conditions for eAlerts Service will be updated with effect from 8 August 2016. For details, please refer to the Notice of Changes.
  • Please note that the sale of HSBC Brazil Brasil S/A - Banco Multiplo, HSBC Servicose Participacoes Ltda. and controlled subsidiaries was approved on 8 June 2016. For the details of the update, please refer to the Notice of Sale of HSBC Brazil Business.
  • To keep you posted on your banking activities, with effect from 4 July 2016, HSBC will offer a series of Personal Banking Service Messaging Notification via SMS free-of-charge. For more details, please log on to Personal Internet Banking or click here.
  • Effective 30 April 2017, for cardholders who have set up autopay for credit card repayment, HSBC will enable auto-adjustment of autopay debit amount. After reducing credit transactions posted to credit card from last statement date, the adjusted amount will be debited on the due date.
  • Starting from 8 January 2017, the maximum Non-registered Accounts Daily Transfer Sub-limit at local HSBC or Hang Seng ATMs has been increased to HKD400,000. The maximum Daily Cash Withdrawal Limit for ATM cards has also been increased to HKD80,000. Please click here for details.
  • Please note that our existing Integrated Account Terms and Conditions will be amended with effect from 1 Oct 2016, and will be binding on you if you continue to use or retain the relevant account(s) on or after that date. For details, please refer to the Notice of Change.
  • With effect from 1st Aug 2016, a charge of HK$30 will be applied to personal customers who setup or amend each autoPay instruction through paper form. Please click here for details.
  • This summer, Apple Pay will be available to both primary and additional card cardholders. Your additional cardholders may directly apply for Apple Pay using their additional credit cards. The use of Apple Pay will be governed by a new Mobile Credit Card Addendum to Credit Card Cardholder Agreement which will need to be accepted during service application. Please stay tuned for more information.
  • With effect from 28 August 2016, as part of our continued efforts to strengthen card security for credit card transactions, Personal Credit Card cardholders will receive notification via SMS or email for every successful Card-Not-Present (pCNPq) transaction made (except for recurring payments). CNP transactions include payments via the internet, telephone, physical mail and fax, without physical presentation of credit card. Cardholders can request not to receive notification for CNP transactions of HK$5,000 or less by logging on to HSBC Personal Internet Banking with Security Device / Mobile Security Key from 28 August 2016. Please be reminded that transactions will not be processed if no valid mobile number or email address is registered with HSBC. Please log on to HSBC Personal Internet Banking, call our customer service hotlines or visit our branches to update your mobile phone number or email address.
  • As part of our continued efforts to strengthen card security for credit card transactions, Personal Credit Card Cardholders will receive new HSBC credit cards with the latest chip format by phases starting from July 2016. Early renewal credit cards to replace existing chip-enabled credit cards will be delivered according to default method. Please refer to Notice of Replacement of HSBC Chip-Enabled Credit Cards for details.
  • Please note that our existing terms and conditions including the General Terms and Conditions, Terms and Conditions/Account Rules of Deposit Accounts, Safe Deposit Locker, ATM Card and Forex/RMB Switching Service, Super Ease Account and University Student Account will be amended with effect from 1 July 2016 (ATM Card Terms and Conditions effective 1 August 2016), and will be binding on you if you continue to use or retain the relevant account(s), product(s) or service(s) on or after that date. For details, please refer to the Notice of Changes.
  • Please note that our existing Terms and Conditions for Margin FX Trading Services will be updated to plain language with effect from 24th June 2016. For details of the updates, please refer to the Notice of Changes.
  • Starting from 1 May 2016, all new, replacement and renewal HSBC Premier MasterCard Credit Card, HSBC Advance Visa Platinum Card, HSBC Visa Signature Card and HSBC Visa Platinum Card we issue will be embedded with Visa payWave/ MasterCard contactless payment function as a standard product feature. Please click here for details.
  • Please note that our existing Margin FX Trial Account Terms and Conditions will be updated to plain language with effect from 17th March 2016. For details of the updates, please refer to the Notice of Changes.
  • Please note that our existing Wayfoong Passbook Gold Account Agreement will be updated to Plain Language Document with effect from 11th April 2016. For details of the updates, please refer to the Notice of Changes.
  • Important message for customers travelling to the UK. Effective from 30 March 2016, part of the existing UnionPay ATM network in the UK no longer supports UnionPay ATM cards and credit cards. However, around 60% of the UnionPay ATM network covering over 40,000 ATMs still accept these cards. UnionPay is also working to expand their network coverage. Please click here for details.
  • With effect from 1 March 2016, our existing terms and conditions applicable to the use of ATM Card (For Personal Account) will be revised and will be binding on you if you continue to use or retain your ATM Card on or after that date. For details, please refer to the Notice of Changes.
  • HSBC will complete USD telegraphic transfer standardisation in Feb 2016. Overseas bank charges may change. Please click here for details.
  • HSBC introduces e-Cheque services in December 2015 as part of an industry wide launch of the new e-Cheque payment method in Hong Kong. A new tariff for these services comes into effect from 7 December 2015. Please click here for details.
  • With effect from 7th December 2015, Integrated Account Terms & Conditions, General Terms & Conditions (For Personal Sole Account, Joint Account and Business Account Holders) and Super Ease Account Terms & Conditions will be updated to cover e-Cheque Service. For details, please refer below Notice of Changes.
  • Please note that our existing terms and conditions for (i) Personal Instalment Loan, (ii) Revolving Credit Facility, (iii) Personal Tax Loan, (iv) Personal Instalment Loan Balance Consolidation Program, and (v) Personal Overdraft Account will be amended to plain language with effect from 22 December 2015, and will be binding on you if you apply or continue to maintain the product on or after that date. For details of the updates, please refer to the Notice of Changes.
  • Please note that our existing terms and conditions for Interest-free Spending Instalment Plan applicable to Personal Credit Card Cardholders will be updated and amended with effect from 1 January 2016, and will be binding on you if you apply or continue to maintain the product on or after that date. For details of the updates, please refer to the Notice of Changes.
  • Effective on 27 August 2015, the merchants and entities who may participate in the Electronic Bill Presentment and Payment Service have been extended to cover departments of the Government of the Hong Kong Special Administrative Region and the related terms and conditions for such service have been amended. Please click here to read the Notice of Changes on the Terms and Conditions for Bill Payment and eBill Service for details.
  • Important Announcement on Greece. Follow this link for details.
  • In response to the recent changes in market condition, finance charge applicable to personal credit cards will be calculated at an interest rate of 2.625% per month, which is equivalent to an annualized percentage rate (APR) of up to 36.43% on purchase and 37.75% on cash advance inclusive of the cash advance fee and handling fee with effect from 1st Jul 2015 and will be binding on you if you continue to use or retain your card(s) after that date. For details of the amendments, please refer to the Notice of Changes on Personal Credit Card Interest Rates and Finance Charges.
  • To improve RMB service, from 18 December 2015, RMB cash withdrawal service will be extended to selected ATMs of Hang Seng Bank in Hong Kong.
  • Please note that the following existing documents will be updated to plain language with effect from 1st June 2015:
    • Terms and Conditions for HSBC'S eAlerts Service
    • Terms and Conditions for HSBC's eStatement and eAdvice Service
    • Terms and Conditions for Stock Alerts Services
    • Notes for Push Notification (if applicable) and Security
    • Important Notes (Applicable to HSBC Mobile App only)
  • For details of the updates, please refer to the Notice of Changes.

  • Please note that our existing Disclaimer and Internet Privacy Statement, Privacy and Security and Hyperlink Policy will be updated to plain language with effect from 1st May 2015. For details of the updates, please refer to the Notice of Changes.
  • Please note that our existing HSBC Internet Banking terms and conditions and terms of use will be updated to plain language with effect from 1st April 2015. For details of the updates, please refer to the Notice of Changes.
  • Please note that our existing credit card agreements, terms and conditions and ancillary documents has been amended to plain language with effect from 1st April 2015, and will be binding on you if you continue to use or retain your card(s) after that date. For details of the amendments, please refer to the Notice of Changes on the Credit Card Cardholder Agreement on our website