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All Banking - Deposits and savings - Renminbi services - Transfers and payments - eStatements and eAdvice - eBill service - Security Device - ATM chip cards - 30 day service pledge - Charity donations HSBC Premier HSBC Advance Personal Integrated Account Credit cards - General credit cards FAQs - Private label cards - Mobile Payments for Android Users - Mobile Payments for iPhone Users - Rewards - Submit supporting documents - Cash Instalment Plan - Interest-free Spending Instalment Plan Loans Overdrafts Mortgages Investments Insurance MPF - Employees - Self-Employed - Employers - Personal accounts - Employees or Self-Employed – Annual Benefit Statement - Personal accounts – Annual Benefit Statement Ways to Bank - Personal Internet Banking - Mobile banking - Phone banking - Help and emailing HSBC - Request a call back

Banking

Deposits and savings

With a current account, you can manage your money and write cheques for day-to-day payments, giving you more flexibility in managing your cash flow and finances.

You should report it to us immediately. Contact any of our branches, or call us on (852) 2233 3000.

You can apply at an ATM, or by using phone banking or Personal Internet Banking.

You can make amendments on the cheque and sign in full next to the alterations. Alternatively, you can destroy the cheque and write a new one.

You will have chosen to use either a single signature or both signatures when opening your joint account.

You need to make sure there are enough funds in your current account to cover a cheque before you write it.

You may stop a cheque (provided the cheque has not already been paid) by making a stop payment request at any HSBC branch, or by calling us on (852) 2233 3000. There is a fee for stopping a cheque.

You should make a stop payment request immediately. You can do this in a branch or by calling (852) 2233 3000. There is a fee for stopping a cheque.

With a savings account, you can access your money when you need it. With a Time Deposit, you put your money away for a set period of time. In return, you'll get a higher interest rate compared with a savings account.

Yes. The minimum amount needed to open a savings account is HKD2,000 for a Hong Kong Dollar savings account, and USD1,000 or equivalent for foreign currency savings accounts.

Yes. We offer savings accounts in various currencies other than Hong Kong Dollars including:

  • Renminbi
  • Australian Dollar
  • Canadian Dollar
  • Euro
  • Sterling
  • New Zealand Dollar
  • Japanese Yen
  • Singapore Dollar
  • Swiss Franc
  • Thai Baht
  • US Dollar

A savings account allows you to earn interest on your money, while still being able to access your funds when you need to.

A current account allows you to manage your money and write cheques for day-to-day payments.

You can get your principal back on the maturity date of your Time Deposit.

You may be allowed to do so at the Bank's discretion. In these cases, the Bank reserves the right not to pay interest on the deposit and to make a charge for early withdrawal.

Yes. The minimum is HKD10,000 for a Hong Kong Dollar Time Deposit, RMB10,000 for a Renminbi Time Deposit and USD2,000 or equivalent for a foreign currency Time Deposit.

Yes. You could open a Renminbi Time Deposit, or a foreign currency Time Deposit which gives you a choice of saving in ten major foreign currencies.

It depends mainly on two things: whether you need immediate access to your money and whether you want to earn higher interest rates than those offered by a savings account.


Renminbi services

To enjoy our comprehensive renminbi services through HSBC Personal Internet Banking, you must have already opened a Renminbi Savings Account.

Personal customers can simply select the service you require from the options listed on the 'Transfers - Hong Kong' page and follow the instructions to make a transfer. Please note that renminbi exchange between Hong Kong dollars account and renminbi account is limited to the transfer between the same name accounts in the same account entity. If you wish to transfer renminbi from your Hong Kong dollars account to a third party's renminbi account, you should exchange renminbi from your Hong Kong dollar account to renminbi account, then make a transfer from your renminbi account to the third party's renminbi account.

We also offer Renminbi Switching Service for HSBC Premier, HSBC Advance and Personal Integrated Account, HK Dollar Statement Savings Account, Combinations Statement Savings Account, and Renminbi Savings Account customers. Simply specify your target renminbi exchange rate, balance and frequency criteria through HSBC Personal Internet Banking, and we will transfer the amount according to HSBC's prevailing renminbi exchange rate from your Hong Kong Dollar Savings or Current Account to your Renminbi Savings Account, or vice versa. You can also amend and cancel your instructions at any time. If you do not have a Renminbi Savings Account with us, your Renminbi Switching instruction will not be affected.

You can transfer renminbi from your renminbi savings & current account to a third party's renminbi account belonging to individual or companies (except to a renminbi account of Hong Kong Designated Business Customer).

You will only be able to convert renminbi to Hong Kong dollar, or from Hong Kong dollar to renminbi. If you wish to convert renminbi into another foreign currency, you must first convert renminbi to Hong Kong dollar and then convert Hong Kong dollar to the designated currency.

You may check the usage of your daily limit by viewing the transaction history of your renminbi savings & current account through HSBC Personal Internet Banking. The transaction history is updated until 7:30pm on Monday to Friday and until 5:00pm on Saturday.

Personal customers who are Hong Kong resident must first maintain a renminbi savings account with us in Hong Kong and have a renminbi bank account under the same name in Mainland China.

Non-Hong Kong residents may need to obtain an approval from the relevant Mainland authorities for renminbi remittance to Mainland and charges may be involved should the outward remittance be rejected by the Mainland authorities or Mainland banks for non-Hong Kong residents.

Personal customers who are Hong Kong residents can remit up to RMB80,000 each day from your renminbi savings & current account to your renminbi account under the same name in mainland China. If the remittance amount exceeds the available daily remittance limit, the transaction will be rejected on the transaction date. Your daily remittance amount may also be checked by the renminbi clearing bank.

Simply select 'Transfers - Overseas' page and follow the instructions to make an overseas transfer. To effect an renminbi remittance, please input the English name of the remitting account holder in the "Account Holder's Name" . We will automatically use your Chinese name maintained with us as the remitter and beneficiary when effecting the transfer. If you only have your English name on record with us, we will use your English name instead.

If personal customers who are Hong Kong residents need to make remittances to your renminbi account in mainland China on a regular basis, you can set up a standing instruction to save time and trouble. You can also amend and cancel your instructions at any time through HSBC Personal Internet Banking.

Non-Hong Kong residents may need to obtain approval from the relevant Mainland authorities for Renminbi remittance to Mainland and charges may be involved should the outward remittance be rejected by the Mainland authorities or Mainland banks for non-Hong Kong residents.

The renminbi remittance instruction will be processed during our business hours on Monday to Friday, from 9am to 1:30pm, (excluding Saturday, Sunday and public holidays). You can send instruction to the Bank whenever you like but the earliest processing for instructions received after these times will be at the business hours of the next working day. Moreover, the renminbi remittance is processed subject to the operation and practice adopted by the renminbi clearing bank. It will not be processed by the renminbi clearing bank during holidays in China (e.g. Labour Day, National Day).


Transfers and payments

When you make a standing instruction, you authorise the Bank to transfer funds on your behalf to another account, or to make a specific payment to a third party on a specified day at regular intervals.

With a standing instruction you don't need to make repeated individual payments yourself.

autoPay allows you to make payment regularly from an HSBC account to someone else.
It is most commonly used for bill payments/regular payments.

A standing instruction allows you to transfer funds for a fixed amount at regular intervals to other banks’ account.

Yes, as long as you know the full bank account details of the person or company you want to send money to. You can transfer funds to HSBC accounts and to accounts held with other banks, both in Hong Kong and overseas. There are some restrictions on renminbi transfers to China however - find out about Renminbi Services.

There are two fund transfer options available to you. To transfer larger amounts on a regular basis, register the destination account and use the registered transfer service. For smaller ad hoc transfers, use our non-registered service.

Yes. You can make foreign currency transfers to or from a foreign currency account. To make a transfer either in a foreign currency or to a foreign currency account in Hong Kong, simply select the service you require from the options listed on the Local and international transfer page and choose your required currency.

When transferring money to an overseas account, you can select the currency you wish to transfer funds in using the currency menu displayed on the transfer instructions page.

To change a forward-dated transfer instruction, click Modify. Delete a forward-dated instruction with the Delete button.

Transfer instructions are processed between 9am and 5.55pm, Monday to Friday, and 9am to 11.55am on Saturday, excluding Hong Kong public holidays.

You can send transfer instructions whenever you like but requests received outside the times listed above are processed on the next business day.

Applications for same day value are subject to cut-off times related to the time zone of the destination and/or the requirements of the settlement banks. This means that your account may be debited before the value day. We cannot be responsible for any interest expense or loss as a result.

We process renminbi remittance instructions from 9 am to 1.30pm, Monday to Friday (excluding Hong Kong public holidays).

You can send us transfer instructions whenever you like but requests received outside these times are processed on the next business day.

Renminbi remittance processing is subject to the schedule of the renminbi clearing bank. For example, they will not process payments during holidays in China, such as Labour Day and National Day.

A local service charge will be applied to all overseas transfers. This fee is waived for HSBC Premier customers doing transfers online to their own HSBC accounts overseas (including joint accounts).

If you request that any overseas handling charges be paid by yourself rather than by the recipient, an additional service charge will be deducted from your account. This can include charges levied by the recipient bank and any correspondent banks. Again, these charges are waived for HSBC Premier customers transferring money to certain overseas HSBC branches.

Overseas handling charges will be deducted from your account separately at a later date, once the fee has been charged back by the overseas banks. The final charge settlement will be subject to the practice adopted by the correspondent bank and/or recipient bank.
See the latest Fees & Charges

Templates allow you to save a copy of a fund transfer request. If you think you will make a similar transfer in the future, save the transaction as a template. You can save time by simply making any necessary changes to the template instead of starting again.

If you've already registered the destination account with us, the daily limit is HKD1,000,000 per account. For more information, go to My Details and select View and Maintain Registered Transfer Accounts.

For transfers to non-registered accounts, you can send money via Personal Internet Banking, Phonebanking and ATM up to the Daily Transfer Limit of HKD400,000. There are also daily sub-limits for how much you can transfer via each of these three channels. To view these limits, go to My Details and select View And Set Transaction Limits.

Note: If you submit more than one transfer request in the same day, the available transfer limit will be your daily transfer limit less the amount of the transfer that you have already requested/made.

You can lower your limit anytime through Personal Internet Banking. Simply go to My Details and select View And Set Transaction Limits.

For security reasons, you'll need to handle limit increase requests in person at an HSBC branch or by using your Security Device through Personal Internet Banking.

To keep your money secure, if you don't make any payments or transfers for a certain number of months, we'll reset your payment limits to zero. You can raise these limits by visiting a branch or by using your Security Device.

SELECT OPTION
Limits
Channel
Inactive Period
tap to change option
Payment limits for securities brokers, sports and leisure
ATM, Personal Internet Banking and phone banking
6 months (customers have not used the limits since establishment or after maintenance) OR
13 months (customers have not performed these types of transactions)
Transfer limit for non-registered accounts
Personal Internet Banking and phone banking
Transfer limit for non-registered accounts
Personal Internet Banking and phone banking
6 months (customers have not logon to Personal Internet Banking and phone banking)

You'll get this error if you enter characters that are not supported, such as '–' or '!', in the Message to Recipient/Recipient's Bank box. The message should only contain:

  • Numbers (e.g. 1,2,3)
  • Letters (e.g. A, B, a, b)
  • The following special characters: ? : . , ( )
SELECT OPTION

e-Transfer
Express Transfer
Overseas transfer
tap to change option
Payee account number
12 digits
13 digits
34 digits or characters
Payee name
20 characters
35 characters
35 characters
Payee address
Not applicable
Not applicable
3 lines with 35 characters per line
Message to payee
Not applicable
4 lines with 35 characters per line
4 lines with 35 characters per line
Message to payee bank
Not applicable
Not applicable
2 lines with 30 characters per line

Transfers within HSBC can be done instantly if you select today as the transfer date.

In general, HKD transfers to other banks will be processed between 9 am and 4.30 pm, Monday to Friday (excluding Hong Kong public holidays). For transfers in Euros, US dollars or Renminbi, the cut-off time is 5.45 pm, Monday to Friday (excluding Hong Kong public holidays).

Same day e-Transfers to other banks will be processed 9am to 12 noon, Monday to Friday, excluding Hong Kong holidays. These payments will normally be received on the transfer day or the following business day. The reference to ''business day'' means a day, other than a Saturday, Sunday or public holiday, on which banks are open for general business in Hong Kong.

Express Transfers from Personal Internet Banking, which normally arrive in the recipient's account on the transfer day, will be processed 9am- to 5.45 pm, Monday to Friday, excluding Hong Kong public holidays.

For all types of transfers, requests received after the cut-off time will be processed on the next business day or on the day you specified in your instructions.

If you've already registered the destination account with us, the daily limit is HKD1,000,000 per account. For more information, go to My Details and select View and Maintain Registered Transfer Accounts.

For transfers to non-registered accounts, you can send money via Personal Internet Banking, phone banking and ATM up to the Daily Transfer Limit of HKD400,000. There are also daily sub-limits for how much you can transfer via each of these three channels. To view these limits, please go to My Details and select View And Set Transaction Limits.

Note: If you submit more than one transfer request in the same day, the available transfer limit will be your daily transfer limit less the amount of the transfer that you have already requested/made.

These are considered transfers between your own accounts and so there are no limits. However, a transfer to one of your accounts that is not encoded on your account card (for both debit and credit cards) would be considered a transfer to a non-registered account and subject to limits.

There is no charge for local transfers within HSBC.

For HKD transfers to other banks in Hong Kong the following charges apply:

Service
Charge
e-Transfer
HKD35 per transaction
Express Transfer
HKD55 per transaction

Please note that some receiving banks may impose additional charges.

Making a foreign currency or renminbi transfer to another bank in Hong Kong will cost HKD55 or HKD115 depending on the clearing system used by the receiving bank. The amount of the charge will be confirmed on the transaction advice screen, which is displayed once you have confirmed the transfer.

Transferring money overseas costs HKD115. If you're transferring a currency other than renminbi to an HSBC branch in China, that fee is dropped to HKD85.

The receiving bank may apply additional charges. Contact them directly about their fees.

To set up a registered account, complete and sign the Internet Banking Registered Transfer Accounts - Limit Increase and Maintenance Request Form and return it to any HSBC branch in Hong Kong. We'll register the account within three business days of receiving your request.

Download the Limit Increase and Maintenance Request Form

You can also use your Security Device to register a new account. Simply follow the directions shown in Personal Internet Banking on the Verification screen.

You can view the details of your registered accounts and also add or delete accounts via Personal Internet Banking using your Security Device.

If you want to lower your limit you can do so using Personal Internet Banking. To raise the limit, you'll need to submit a completed Internet Banking Transaction Limit Increase Request Form to any HSBC branch in Hong Kong.

Download the Internet Banking Transaction Limit Increase Request Form

Start by selecting the account holder's name and account number from the pull-down menu. Then choose the required currency.

Any currency supported by both the sending and receiving accounts.

First, choose a bank from the pull-down menu. Then enter the account number and account holder's name.

By selecting the account holder's name and account number from the pull-down menu and then entering the transfer amount.

Your account name will only appear on the recipient's account details if their account is within HSBC. However, it will not appear if the recipient's account is a HKD Passbook Savings account.

In this case, the transfer will not be made. We will inform you by email that we have been unable to make the transfer.

We strongly recommend that you check your Personal Internet Banking email on the actual transfer day to confirm the status of your transfer request.


autoPay

Clicking Modify allows you to change an existing or newly set up autoPay instruction. The Delete button lets you cancel an existing autoPay transaction.

Modification or deletion of existing autoPay transactions will take effect after two working days.

Simply click the Details button, then click Cancel. The transaction will then be cancelled.

Simply click the Details button, then click Cancel. The pending modification or deletion instruction will then be cancelled.

The lead-time for setting up new autoPay instructions depends on the arrangement with particular merchants or recipients. Please check the lead-time with the merchant or recipient in question.

You can only set up autoPay instructions to recipients who have HSBC accounts. HSBC account numbers start with the bank code 004.

To set up an autoPay to someone not in the pull down menu, select Others in the Recipient (Bank Account No.) box. Then enter the recipient's bank account number and check the name of the recipient shown on the screen.


eStatements and eAdvice

By signing up for this service you can manage your statements and advice messages through Personal Internet Banking or email anytime, anywhere.

This environmentally friendly service helps you cut paper clutter. You'll also get your account information faster. You still have the option to print eStatements and eAdvice for your records and can also save the files to your computer.

  • Free of charge
  • Simple to use - simple online service registration and automatic registration for newly-opened accounts
  • Secured platform - single secured platform for various account statements and advices.
  • Timely and convenient - access your eStatements any time, anywhere once they are uploaded.  You can view eStatements for the past 24 months and eAdvice for the past 3 months.
  • Thoughtful reminders - get email and/or SMS alerts when the latest eStatements are uploaded.

You can sign up for eStatements for your:

  • HSBC Premier account
  • HSBC Advance account
  • Personal Integrated Account1
  • Hong Kong Dollar current account
  • SuperEase account
  • Foreign currency current account
  • Renminbi savings account
  • Cash card account
  • University student account
  • Hong Kong dollar statement savings account
  • CombiNations statement savings account
  • Investment services/Securities account - composite eStatement 2
  • Margin FX trading account
  • Credit card3

You can get eAdvice for the following transactions:

  • Monthly HIBOR-based mortgage plan repayment
  • Time deposit maturity
  • Inward remittance
  • Inward interbank fund transfer
  • Outward interbank fund transfer
  • Confirmation for credit transaction
  • Confirmation for debit transaction
  • Interest rate change
  • Securities purchase and sales4
  • Corporate action2,4
  • Outward Remittances
  • Outward Remittances Charges
  • Cheque Purchase
  • Cheque for Collection – Credit

1 "Personal Integrated Account" is also named as 'Smart Vantage'; Personal Integrated Account and Smart Vantage are used interchangeably in customer communications including account statements, bank forms / advice, Personal Internet Banking platform etc.

2 Particular corporate action advices and certain investment statements - such as securities margin trading statements - will be delivered to you by post.

3 For green cardholders with a Personal Internet Banking profile, you can view your eStatement via Personal Internet Banking. Otherwise, it will be sent to your designated password- protected email address.

4 Due to regulatory requirements, certain investment related eStatements and eAdvices, are protected by password.

You can apply online by going to eStatement and eAdvice under My HSBC. Your registration will be effective immediately.

No. Once you've registered, the service will apply to all new accounts you open with us.

Yes, registration for an 'either-to-sign' joint account can be done by either person.

Once you've registered your joint account, the other holder will no longer get paper statements or advice slips. If they want to receive these, they will need to register for eStatements and eAdvice.

Yes. You can use the service for selected accounts only by going to Maintain Online Account then eStatement and eAdvice. For green cardholders, if you uncheck the account for online access your eStatement will be sent to your designated password- protected email address .

You should receive eStatements or eAdvice the day following the statement or advice generation date. To keep these records for future reference, you can download the files and save them to your computer.

We will send an email and/or a SMS text message when new files are ready. Keep your email address and mobile phone number up to date through Personal Internet Banking to make sure you keep receiving these reminders.

We recommend you check your email account or Personal Internet Banking profile often to read the latest eStatements and eAdvice slips and check for any necessary actions.

All eStatements and eAdvice slips are in Portable Document Format (PDF). You need to install Adobe Reader on your computer to view these files.

To save a copy, click "Save File" and specify the location where you want the document to be saved on your computer.

Since these files contain sensitive account and personal information, we recommend you keep the copy in a secure location.

Learn more about account security

You can download and install the Chinese Traditional Font pack files from the Adobe website.

Some email providers may treat the email sent from HSBC as potential spam. We recommend you add our email address to your address book to solve the problem.

Log on to Personal Internet Banking to terminate the service. Once you've cancelled the service, we'll send you statements and advice slips by post.

Log on to Personal Internet Banking to change your designated email address at any time whenever it is changed to avoid missing receiving eStatements and eAdvice.

We recommend you update your email address when you change it to make sure you receive them.

If you have not yet set up your own password, we'll protect your files with a pre-set password.

This password is 10 characters long. The first six alphanumeric characters are the first characters of your Hong Kong ID or passport number. The next four digits are two digits for the day and last two digits of your year of birth.

Example:

  • Your ID number = A1234567
  • Your date of birth = 01 Dec 1987
  • Initial password = A123450187

Please change this password immediately via Personal Internet Banking to protect your security.

You can change your password through Personal Internet Banking. Go to Change Password under eStatement and eAdvice.

Please note that previous eStatement and eAdvice files will not be accessible with this new password.

If your mailbox is full, the email will be returned to us. If we can we'll resend the email. If not, we'll send you a paper copy by post.

Some company mail servers may have security restrictions that do not support script viewing. We recommend you use a private email account - such as Yahoo, Hotmail, or Gmail - to receive your eStatements and eAdvice.

Webmail providers may activate a protection mechanism to restrict Active Scripting. To view your files, save them to your hard drive and open them from there.

Yahoo webmail has a preview function for attachments at the bottom of the email. You should click the attachment icon on the top of the email to open the attachment.

The JavaScript in your PC may be disabled or your browser may not support JavaScript. To see the Open button, enable JavaScript in your browser or computer.

To enable the JavaScript, follow the steps below:

  1. On the Internet tool bar, select "Tools" and select "Internet Options ...".
  2. Select "Security" and the icon "Internet".
  3. Select "Custom Level..." and scroll down to the section titled "Scripting".
  4. Select "Enable" under the subsection "Active scripting" and press "OK".
  5. A warning window box will be prompted. Select "Yes".

Note: Please use our "Computer Settings Checking Tool" at Computer Settings Checking Tool to check your computer settings.

The charging of Paper Statement Service Annual Fee was introduced in 2013. With effect from 1 January 2013, customers who continue to receive paper statements for their Personal Banking Hong Kong Dollar Current, SuperEase, HSBC Premier, HSBC Advance, Personal Integrated Account1, University Student, Cash Card, Renminbi Savings, Hong Kong Dollar Statement Savings, CombiNations Statement Savings or Foreign Currency Current account will be subject to charges. For integrated accounts, the fee will be debited from Hong Kong Dollar Savings account.

The fee was introduced 1 January 2-13. The use of paper statements for personal Baning Honh Kong Dollar Current, SuperEase, HSBC Premier, HSBC Advance, SmartVantage, University Student, Cared Card Renminbi Savings, Hong Kong Dollar Statement Savings, CombiNation Statement Savings or Foregn Currency Current account will be tracked every year and the charge will be imposed in the first quarter of the following year.

It is HKD20 per each relevant account (or equivalent amount for foreign currency account).

The Paper Statement Service Annual Fee of HKD20 is charged on an account basis for the accounts you hold which are subject to charging. For example, if you continue to receive paper statements for your HSBC Premier account and Hong Kong Dollar current account, you will be subject to a charge of HKD40.

We will directly debit HK$20 from your non-integrated account and integrated account in Feb and Mar of the following year respectively for the paper statements consumed every year from your relevant account. For integrated accounts, the fee will be debited from HKD Savings account.

Yes, you will be charged for using paper statements. However, you will not be charged on pro-rata basis. The full Paper Statement Annual fee of HKD20 will apply. You are recommended to sign up for receiving eStatements to enjoy the hassle-free benefits of managing eStatement and eAdvice services online for free.

The following customers are eligible for a waiver of the Paper Statement Service Annual Fee:

  • Aged below 18 or 65 and above
  • Recipients of Government's Comprehensive Social Security Allowance
  • Recipients of Government's Disability Allowance
  • The physically disabled or visually impaired

Yes, for this special case, you can request a paper statement. In a full calendar year, from 1 January to 31 December, you are entitled to two free paper statement copies for each relevant account subject to charge for Paper Statement Service Annual fee should you have signed up for 'e' services. The two free paper statement copies refer to any issued statement of the last two months.

To support widely use of paperless banking, our bank had already donated HK$2M to HK Family Welfare Society to improve computer or internet literacy in the community in 2009. For Paper Statement Service Annual Fee collected, transfers were made to Conservancy Association, Friends of the Earth (HK), Green Power, WWF Hong Kong in 2014. The bank will continue to transfer the collected fee to several well-known charity organisations.

If you choose to opt in for the eStatement service for any of your foreign currency sub-accounts, the combined statement for all sub-accounts that falls on the same statement date will be generated in eStatement. If you wish to continue receiving paper statements, you should not opt for the eStatement and eAdvice Service for any foreign currency sub-accounts that fall on the same statement date.

A CombiNations Statement Savings account opened for each customer is treated as ONE account regardless of the number of foreign currency sub-accounts opened under this account. An annual fee equivalent to HKD20 will be charged if you receive more than two paper statements for this account in a full calendar year. The closing exchange rate of previous business day (before the posting day) would be taken to calculate the foreign currency amount and it will be debited to the sub-account with the highest available balance.

Your Hong Kong Dollar Statement Savings "in-re" account will be exempted from paper statement service annual fee. The account is treated as that opened for a person aged below 18.


eBill service

EBPP is a one-stop platform for receiving, paying and managing bills via Personal Internet Banking.

You can enrol via Personal Internet Banking. After the merchant confirms your enrolment request you’ll be able to view your eBill and make a payment on the same platform.

Yes, as long as the merchant allows third party enrolment. To enrol someone else’s eBill, you’ll need to provide the bill owner’s personal information, such as date of birth (month and year) and a partial identity number. The merchant will then validate the bill owner’s information and get their consent.

No more than 60 days. You’ll get updates on the status of your enrolment request through your Personal Internet Banking email inbox.

You can log on to Personal Internet Banking and view the eBill Summary & Payment page to check for new bills. The bank will not send a notification when bills arrive.

Each eBill record will be retained for up to 24 months, or until you delete it. You can save it to your computer or print for your records.

Yes. The same bill account number is allowed a maximum of five enrolment requests, no matter whether it is within the same bank or different institutions.

Yes, but it depends on the merchant. If you can find your merchant in the pull-down list and supporting bill type, you can enrol.

For payments made via Personal Internet Banking, you’ll need to settle bills in HKD. To get the exchange rate for a bill you should contact the merchant in advance.

It's the merchant's decision whether or not to issue a payment eReceipt.

You can go to the 'Merchant list' page to check which merchants support the payment eReceipt

The payment eReceipt is generated by the merchant. If you have any query, please contact the merchant direct.

The payment eReceipt will be issued to both enroller(s) and payer. If you have received an eReceipt under "Enroller", this means someone has paid the bill and requested a payment eReceipt. As you are one of the enrollers, you will also receive the payment eReceipt.

We suggest you should contact the merchant to clarify before making any payment. All the payment details stated in the eBill are provided by the merchant. The bank has no obligation to check the payment information

Payments:
This enables you to make payments to selected service providers in Hong Kong. There are five types of online payment services, each with their own transaction limit:

SELECT OPTION
Bill payment type Maximum daily sub- limit Applicable Channel(s) tap to change option
eIPO (i.e. online payments for shares purchased as part of an Initial Public Offering) HKD5,000,000 Personal Internet Banking
Government and utilities HKD500,000 Personal Internet Banking, phone banking, and ATM
Securities brokers HKD500,000 Personal Internet Banking, phone banking, and ATM
Sports and leisure HKD500,000 Personal Internet Banking, phone banking, and ATM
Other suppliers (e.g. telecommunications, insurance companies) HKD100,000 Personal Internet Banking, phone banking, and ATM

In addition to the daily sub-limits for each category above, you can have more control over payments with a daily master limit of HKD5,000,000 per customer for payments across all automated banking channels (i.e. Personal Internet Banking, phone banking and ATM).

Fund transfers:
The online fund transfers service is a way to transfer money within your own HSBC accounts, to other HSBC accounts or to accounts with another other bank, in Hong Kong and overseas.

Types of transfers Maximum daily sub-limit
Transfers to your own accounts HKD999,999,999 per customer5
Transfer to registered accounts HKD1,000,000 per account
Transfer to non-registered accounts6 HKD400,000 for transfer via Personal Internet Banking
HKD50,000 for phone banking transfer
HKD50,000 for ATM transfer

In addition to the daily sub-limits above, there is a daily master limit of HKD400,000 per customer6 for transfers to other non-registered accounts using the three automated banking channels.

Charges may apply to certain fund transfers. Refer to the "Service Fees" section under "Frequently Asked Questions" for full details.

5 The maximum daily limit for transfers among your self-named accounts is up to the available balance in your account.

6 This new limit structure does not apply to sole proprietorships. For enquiries, please call (852) 2233 3322 for HSBC Premier customers, (852) 2748 8333 for PowerVantage customers, (852) 2233 3000 for Other Personal Banking customers.

Note: For ATM service, we consider any accounts not linked to your ATM card to be non-registered third party accounts.

The following are the maximum numbers of characters (including spaces) allowed per field:

SELECT OPTION
e-Transfer Express Transfer Overseas Transfer tap to change option
Beneficiary a/c no. 12 digits 13 digits 34 digits or characters
Beneficiary name 20 characters 35 characters 35 characters
Beneficiary address Not applicable Not applicable 3 lines with 35 characters per line
Message to beneficiary Not applicable 4 lines with 35 characters per line 4 lines with 35 characters per line
Message to beneficiary bank Not applicable Not applicable 2 lines with 30 characters per line

If you are sending money to a company in Hong Kong we recommend you check the merchant list under the 'View and Pay Bills' banking option. If the company is listed as a merchant, use the 'Pay Bill' service to submit your payment; this way the merchant will be able to readily identify who has made the payment.If you wish to send money to a company that is not listed under the merchant list, or to someone else, you should either use the online 'Transfers - Hong Kong' or 'Transfers - Overseas' banking services.

You can check your bill for lead-time information or call the merchant directly.

Yes. From the merchant list choose their category and company name. Then, simply enter your account number and select the bill type (if applicable) of the merchant.

If you pay by transferring funds from your bank account there is no cut-off time.

Payments made by HSBC credit card before 4.30pm, Monday to Friday, are processed the same day. Otherwise, it will be processed on the next business day7.

7 The reference to "business day" means a day, other than a Saturday, Sunday or public holiday, on which banks are open for general business in Hong Kong.

For payments from your bank account, click the Modify button and follow the instructions shown on the screen.

For payments from your credit card, click the Delete button and set up a new forward instruction, no Modify function is available.

Unless you selected "Pay on Today" when you set up the transaction, you can change the payment date before the payment is processed.

Payments from your bank account can be scheduled up to 45 calendar days in advance. Payments from your credit card can be scheduled up to 13 days in advance.

If you set up a forward-dated instruction using your HSBC credit card, the credit limit on your card will be held until the transaction is processed.

Templates allow you to save a copy of a certain bill payment. If you think you will make a similar payment in the future, save the transaction as a template. When it’s time for the next payment, you can then save time by simply making any necessary changes to the template instead of entering all the data again.

The combined Daily Payment Limit is HKD5,000,000.

There are also Daily Sub-limits for certain kinds of payments:

Bill type Daily sub-limit
eIPO (online payments for shares purchased as part of an Initial Public Offering) HKD5,000,000
Government and utilities HKD500,000
Securities brokers HKD500,000
Sports and leisure HKD500,000
Other merchants (e.g. telecommunications, insurance companies) HKD100,000

For details of these bill payment limits, go to My Details and select View And Set Transaction Limits.

If you don’t make any payments or transfers for a while your payment limits will reset to zero. You can reactivate them by visiting an HSBC branch or by using your Security Device.

Please note that some merchants may impose a maximum or minimum transaction limit on certain bill payments. Please refer to your invoice or contact the merchant for details.

SELECT OPTION
Limits Channel Inactive Period tap to change option
Payment limits for securities brokers, sports and leisure ATM, Personal Internet Banking and phone banking 6 months (customers have not used the limits since establishment or after maintenance) OR
13 months (customers have not performed these types of transactions)
Transfer limit for non-registered accounts Personal Internet Banking and phone banking
Transfer limit for non-registered accounts Personal Internet Banking and phone banking 6 months (customers have not logon to Personal Internet Banking and phone banking)

You can decrease your daily transaction limits through Personal Internet Banking. Go to My Details and select View and Set Transaction Limits. To request an increase in your transaction limits, contact an HSBC branch.

This button shows you the balance of the account you have chosen to pay your bills from.

This option allows you to make payments to merchants you have not sent payments to before. Select a merchant category and merchant from the list.

If you realise you’ve made a mistake before the scheduled payment date you can correct the payment information and you won’t lose any money.

If it’s after the transaction has gone through, contact the retailer directly to resolve it.

Security Device

A Security Device is an electronic device to generate a special, one time Security Code. You must enter the Security Code to access services under the "Security Device Logon Mode", such as securities trading and transfer to non-registered accounts.

Security Device has been selected by HSBC as the technology that best meets our customers' need for flexibility and portability. We have recently introduced a new PIN-protected Security Device with enhanced security protection. Please refer to the section New Security Device - Functionality for details.

The Security Code is a special, one-time password used to access full range of Personal Internet Banking service. The 6-digit password appears on the LCD screen of the Security Device for your input into the screen of HSBC Personal Internet Banking.

Serial Number is a unique number on the back of the Security Device that is linked to your HSBC Personal Internal Banking profile personally. The number is a 10-digit serial number, identifying your individual Security Device.

As a result, you can only use this individual Security Device, to access your HSBC Personal Internet Banking services. That means if your family member or friend has another Security Device for their Personal Internet Banking services, you cannot use their device to generate a Security Code for your Personal Internet Banking service.


PIN-protected Security Device - Functionality

HSBC commits to protecting the security of our HSBC Personal Internet Banking customers. As a leader in Personal Internet Banking security, we are delighted to introduce a new PIN-protected Security Device with enhanced security. The new Security Device has a PIN lock which minimizes the chance of unauthorised use and protects you against possible online threats.

With the new Security Device, you not only enjoy the enhanced security in HSBC Personal Internet Banking but also added convenience with its new functionalities:

SELECT OPTION
Functions
1st Generation Security Device
https://www.personal.hsbc.com.hk/1/PA_esf-ca-app-content/content/hongkongpws/misc/images/device_gen1.jpg
2nd Generation Security Device
https://www.personal.hsbc.com.hk/1/PA_esf-ca-app-content/content/hongkongpws/misc/images/device_gen2.jpg
PIN-protected r
https://www.personal.hsbc.com.hk/1/PA_esf-ca-app-content/content/hongkongpws/misc/images/device_gen3.jpg
tap to change option
Transfers
Security Code
Transaction Signing
Transaction Signing
Bill Payment
(High Risk Merchants)
Security Code
Transaction Signing
Transaction Signing
Credit Card Re-authentication
- Change Virtual Card Spending Limit
- Increase Credit Limit
- Request PIN
Security Code
Security Code
Security Code
Maintain My Details
N/A
Transaction Signing
Transaction Signing

These transactions include: (as of 12 Sep 2013)

Transfers
HKD Transfer to Hong Kong dollar Account To a non-HSBC Account - e-Transfer
To a non-HSBC Account - Express Transfer
Transfer to / from Foreign Currency Account To an HSBC Account - 24-hour Currency Exchange Services
To a non-HSBC Account
Overseas Transfer and Standing Instructions Overseas Transfer
Standing Instructions

Bill Payment
White Form eIPO merchant
Finance Company
Security Broker
Sports and Leisure

Credit Card Re-authentication
Change Virtual Card Spending Limit
Increase Credit Limit
Request PIN

Maintain My Details
Register new Transfer Accounts
Other HSBC account in Hong Kong
Other local bank account in Hong Kong
Overseas bank account
Increase Daily Transfer Limit
HSBC Accounts in Hong Kong
Other Bank Accounts in Hong Kong
Overseas Bank Accounts
View and Set Transaction Limits
Self-named Accounts with HSBC in Hong Kong
Non-registered Accounts
Maximum Daily Transfer Limit

There are two types of Security Code generated by Security Devices with different format, which support different functions in HSBC Personal Internet Banking. Please refer to details below:

Security Code Format How to generate? Example of Function
123456 Customers press Green Button on the device to generate the Security Code Internet banking Log on and Step Up verification
123 456 Customers input specific information into the device and press Yellow button to generate the Security Code Third-party account transfer verification

The following instructions will be effective immediately:

  • Making transfers to non-registered account
  • Increasing transfer limit of non-registered account
  • Making bill payment to finance / securities / sports and leisure
  • Decreasing transfer limits

For the following instructions, submission before 9pm from Mon to Fri or 6pm on Sat will be effective on next working day:

  • Setting up registered transfer account and defining transfer limit
  • Increasing transfer limit of registered account

The battery in the Security Device can last for three to five years, depending on the frequency of the usage.

The BATT message will be prompted when the battery of your Security Device is running low. Please log on to HSBC Personal Internet Banking > Service Requests > Replacement of Security Device to apply for device replacement.

For more details, please refer to our trouble shooting guide at www.personal.hsbc.com.hk/securitydevice.

The squares are unique design of the device which may be used by HSBC Personal Internet Banking in other countries. For Hong Kong, there is no particular meaning or function associated with this design.

As mentioned, the '1' and '3' with a square on the new Security Device are not designed for HSBC Personal Internet Banking in Hong Kong. You are not able to generate a valid security code for instruction verification if you do so. Please press Green Button to delete wrong entries on the LCD screen of the new Security Device, then, follow the instruction to re-enter your customer specific information to generate a valid security code.


PIN-protected Security Device - Application

HSBC aims to provide the highest standard of security to our customers and enhance customer experience on an on-going basis. The new Security Device is introduced with a PIN lock which minimizes the chance of unauthorized use and protects you against possible online threats. All HSBC Personal Internet Banking customers will eventually receive their new Security Device over the next few months as the issuance exercise takes place in batches.

If you would like to experience the new Security Device, you may apply for one at the "Service Requests" section after logging on with Dual-Password or existing Security Device. The new device will be mailed to within the next 3 working days (postal lead-time is not included), and please follow the instruction to activate your new device upon receipt.

Simply log on to HSBC Personal Internet Banking > Service Requests > Replacement of Security Device to apply for a new device. The new device will be mailed to customer's local address within the next 3 working days (postal lead-time is not included), and please follow the instruction to activate your new device upon receipt.

For customers who have received the new device, they will need to activate the new device according to the instruction on the letter sent to you. Once activated, please use your new Security Device for HSBC Personal Internet Banking service and any previously activated security devices will no longer be valid and should be discarded. Customers would not be able to log on to Personal Internet Banking with the existing device if they are unable to activate their new device within 20 days from the issued date of the new device. They cannot continue to use their existing security devices since the new Security Device can further protect their security while doing HSBC Personal Internet Banking.

For other customers, they may continue to use their existing device until their device has to be replaced (i.e. out of battery, lost or damage).

Once your new Security Device has been activated, your old security device will no longer be valid for logon or any transactions on HSBC Personal Internet Banking, and it should be discarded. You may discard the deactivated Device yourself or consider returning it to any branches convenient to you. The Devices will be collected and destroyed by authorized service provider in an environmental-friendly and safely way.


PIN-protected Security Device - PIN Set up / PIN reset

The HSBC Security Device is unique and with an enhanced level of security with a PIN lock which minimizes the chance of unauthorized use and protects you against possible online threats. For added security, you will have to set a PIN during activation and this PIN will be required to unlock your device before use. You MUST set up the PIN before using the Security Device.

You can only choose a 4-6 digits PIN for the new device. For enhanced security, please enter a 6-digit PIN.

To set up the PIN for the new Security Device, please follow the steps below for the first time:

  1. Hold the bottom right green button for 2 seconds to turn on the Device
  2. Enter a 4-6 digits8 new PIN using the keypad
  3. Press the bottom left yellow button to complete the first PIN entry
  4. Confirm the new PIN by re-entering it
  5. "NEW PIN CONF" will be displayed for 2 seconds if the PIN is successfully inputted. "HSBC" will be displayed afterwards.
8 For enhanced security, please enter a 6-digit PIN.

A message 'FAIL PIN' will be shown on the device, reflecting that your confirmation PIN did not match the first PIN entered. You will need to restart the PIN setup process by pressing the green button.

https://www.personal.hsbc.com.hk/1/PA_esf-ca-app-content/content/hongkongpws/misc/images/setup_fail.jpg

This means that the new PIN that you have entered is not safe and could be guessed, i.e. repeating or sequential numbers (e.g. 111111, 123456, 543210). Please restart the PIN setup process and choose another 4-6 digits PIN.

https://www.personal.hsbc.com.hk/1/PA_esf-ca-app-content/content/hongkongpws/misc/images/setup_not_safe.jpg

To change your PIN for the Security Device:
1. After your device is turned on and unlocked (you see the Welcome screen), press and hold the button "8" for 2 seconds to activate the change PIN function.
2. Then enter a 4-6 digits9 PIN using the keypad and press the yellow button on the bottom left to complete the input.
3. Confirm the new PIN by re-entering it.
4. "New PIN CONF" will display for 2 seconds if the PIN is successfully set up. "HSBC" will be displayed afterwards.
9 For enhanced security, please enter a 6-digit PIN.

Please follow the steps below:
1. Go to the HSBC Personal Internet Banking logon page, enter your "Username" and click "Continue".
2. Click "Forgotten your Security Device PIN" link.
3. Answer the two security questions that you have set up during your HSBC Personal Internet Banking registration and follow the on-screen instructions.

Due to security reason, you can ONLY reset your PIN before logging on HSBC Personal Internet Banking by answering the two security questions correctly.

Please follow the steps below:
1. After entering invalid security answer(s), a system message 'Invalid security answer(s) entered. Please re-enter' will be shown on screen. Click "OK" to proceed.
2. Click 'here' from the message of 'To reset security questions, please click here.'.
3. Follow the on-screen instruction to complete the form.
4. Print out the on-screen form and mail it to us or return it to a nearby HSBC branch within 20 days for our processing. Your instruction will be effective 3 workings after our receipt of your form.


PIN-protected Security Device - Activation

Upon receipt of the new Security Device, you are required to set up your PIN and activate it immediately or within 20 days from the issue date of the letter enclosed with your new Security Device. Otherwise, you will not be able to log on to HSBC Personal Internet Banking.

To set up the PIN for the new Security Device, please follow the steps below for the first time:
1. Hold the bottom right green button for 2 seconds to turn on the Device
2. Enter a 4-6 digits10 new PIN using the keypad
3. Press the bottom left yellow button to complete the first PIN entry
4. Confirm the new PIN by re-entering it
"NEW PIN CONF" will be displayed for 2 seconds if the PIN is successfully inputted. "HSBC" will be displayed afterwards.
10 For enhanced security, please enter a 6-digit PIN.

After setting up the PIN for your Security Device, please follow the steps below for activation:
For first time application of Security Device:

Please follow the steps below to activate the new Security Device:

  1. Log on to HSBC Personal Internet Banking with Dual Password;
  2. You will be prompted a page which asks you to activate your Security Device;
  3. Follow the steps shown on the screen for activation.


To complete the activation process, you will need to enter the last 3 digits of your registered mobile phone number, Serial Number and Security Code from the Security Device, and the 6-digit Passcode which will be sent to your registered mobile phone.

Please make sure that your mobile device is turned on and have turned off SMS forwarding function during the activation process if you have subscribed to such service.

Other channels to activate the Security Device:

  • Phone banking: Call the respective hotline and activate your new Security Device instantly (phone banking Service PIN verification required). Please click here for phone banking and PIN set up details.
  • Paper Form: Complete the 'HSBC Personal Internet Banking Maintenance / Cancellation Request Form' and return it to us for processing. Your request will normally be processed within 3 working days (excluding Saturday, Sunday and public holiday) upon receipt of your form.


For replacement of Security Device:

Please follow the steps below to activate the new Security Device:

  1. Log on to HSBC Personal Internet Banking with your existing Security Device;
  2. You will be prompted to click on the activation link;
  3. Click the activation link and follow the steps shown on the screen.


You will need to enter the Serial Number and Security Code from your new Security Device, and the Security Code from your existing Security Device to complete the activation process.

Other channels to activate the Security Device:


  • Phone banking: Call the respective hotline and activate your new Security Device instantly (PhoneBanking PIN verification required). Please click here for phone banking Service and PIN set up details.
  • Paper Form: Complete the 'HSBC Personal Internet Banking Maintenance / Cancellation Request Form' and return it to us for processing. Your request will normally be processed within 3 working days (excluding Saturday, Sunday and public holiday) upon receipt of your form.

Please follow the following steps to turn on your new Security Device:

  1. Press the green button on the bottom right of the device, and hold for 2 seconds.
  2. When the screen prompt for a "PIN", enter your 4-6 digits self-defined pre-set PIN number using the keypad.
  3. Once the device is unlocked, "HSBC" will appear on the screen display and it is ready for use.


Transaction Signing

The new device requires customer to input information specific to the transaction (e.g. account number) into the device to generate a Security Code. With this transaction signing function, the transfer will only be made to the account specified by the customer.

Customer specific information is needed to be input into the Security Device to verify your instruction. You need to input customer specific information into the Security Device when you are doing the following transactions:

  • Making Transfer to Non-Registered Account
  • Setting up Standing Instruction
  • Making Bill Payment to Finance / Securities / Sports & Leisure
  • Setting up Registered Transfer Account
  • Defining or Increasing Online Transfer Limit

You may simply follow the procedure shown on the 'Verification' screen in HSBC online banking and the verification information table below to input information into the Security Device and generate the Security Code. More examples on the information will be shown when you click on 'Details' in step 3 (see below):

Input procedure

https://www.personal.hsbc.com.hk/1/PA_esf-ca-app-content/content/hongkongpws/misc/images/what_code.jpg

Details
Make a transfer to a non-registered account
Set up a standing instruction
Set up a registered transfer account and define transfer limit
Increase the transfer limit of a registered account

SELECT OPTION
Example
Please input
tap to change option
Beneficiary Account No. with 8 or more digits
123-45678-90
34567890
Beneficiary Account No. with 4-7 digits
123456
123456
Beneficiary Account No. with 0-3 digits
123
Not eligible for verification via Online banking. Please visit our branches to perform your transactions.
Beneficiary Account No. with non-digits
(Enter last 8 numeric only)
123A4567BC89D
23456789


Increase the transfer limits of non-registered accounts

SELECT OPTION
Example
Please input
tap to change option
HKID no. (Exclude alphabet and number in bracket)
A123456(7)
123456
Passport no. (Enter last 8 numeric only)
123A4567BC89D
23456789
Other Identification Document no. (Enter last 8 numeric only)
W12345678
12345678
Passport no. / Other Identification Document no. with 0-3 digits
ABCD123EFG
Not eligible for verification via Online banking. Please perform your transactions via ATM, Phonebanking or directly visit our branches.


Make a bill payment to finance / securities / sports & leisure

SELECT OPTION
Example
Please input
tap to change option
Bill Payee Account No. with 8 or more digits
123-45678-90
34567890
Bill Payee Account No. with 4-7 digits
123456
123456
Bill Payee Account No. with 0-3 digits
123
Not eligible for verification via Online banking. Please perform your transactions via ATM, Phonebanking or directly visit our branches.
Bill Payee Account No. with non-digits
(Enter last 8 numeric only)
123A4567BC89D
23456789

If you input a wrong digit into the Security Device, simply press Green Button to delete each digit one by one.

If you hold Green Button for 2 seconds during the input of customer specific information into your Security Device, all of your input will be deleted.

You should press and hold the Yellow button or Green Button button for 2 second for the device to generate the Security Code.

As a security measure, there is limited display time for each Security Code to display on the LCD screen. If the Security code disappears, simply follow the instructions on the screen of HSBC online banking to generate the Security Code with your Security Device again.

This may happen if you have entered an invalid Security Code into the screen. Please check the Security Code displayed on your Security Device and re-enter a valid Security Code to proceed with the verification.
If the code still cannot be verified, please contact us on:

  • HSBC Premier customers : (852) 2233 3322
  • HSBC Advance customers : (852) 2748 8333
  • Other customers: (852) 2233 3000

A valid Security Code will only be generated if you input correct customer specific information into the Security Device. If you've input incorrect information, please follow the instruction (i.e. starting from Step 1 on Verification screen in HSBC online banking) again and ensure you input correct information to generate a valid Security Code.

We have a Security Device which is specially designed for the visually impaired. Customers who are visually impaired can request for the Security Device through calling our customer hotline at (852) 2233 3000. However, at the time being, we are only able to provide the previous type of security device to these customers. The new Security Device for the visually impaired will be released at later phase.

You should inform us to de-activate your lost or stolen Security Device immediately.

Hotline information:

  • HSBC Premier customers : (852) 2233 3322
  • HSBC Advance customers : (852) 2748 8333
  • Other customers: (852) 2233 3000

If the Security Device is still functional, you may apply for a new one at the "Service Requests" section after logging on online banking.

Or you may call respective hotlines to order a replacement token with your phone banking PIN.
If you don't have your phone banking PIN, you can set it up by your ATM PIN via hotline.
The replacement Security Device will be sent to your mailing address according to the Bank's records.

Hotline information:

  • HSBC Premier customers : (852) 2233 3322
  • HSBC Advance customers : (852) 2748 8333
  • Other customers : (852) 2233 3000


ATM chip cards

To give you more ATM network options when travelling abroad, apart from the current UnionPay ATM card, we have introduced an additional chip card that uses the PLUS network.

The charge for using another bank’s ATM overseas is HKD20 for your UnionPay card and HKD40 for your PLUS network card. These fees are subject to change. You can get the latest figures by reading our bank tariff guide

If you have an HSBC Integrated Account - such as HSBC Premier, HSBC Advance or our Personal Integrated Account - you can apply for a PLUS ATM chip card.

To use the PLUS ATM chip card you must have an HSBC Integrated Account.

If you apply for a Personal Integrated Account and PLUS ATM chip card together, we'll permanently waive the below balance fee - currently HKD60 per month if you have a rolling three-month average Total Relationship Balance of below HKD10,000 - for your Personal Integrated Account. Please refer to the Bank tariff guide for HSBC Retail Banking and Wealth Management Customers

For details on the benefits of our integrated accounts or to open an account, call Customer Services on (852) 2233 3000 or visit any HSBC branch in Hong Kong.

Some overseas ATMs can't access multiple accounts. They can only connect to the primary account listed on the front of your card.

To allow you to access both your Hong Kong dollar savings and Hong Kong dollar current accounts overseas, we use your Hong Kong dollar savings account as the primary account for your UnionPay ATM chip card and your Hong Kong dollar current account as the primary account for your PLUS ATM chip card.

To use the PLUS ATM chip card abroad you'll need to activate the overseas ATM withdrawal limit before your departure as the default overseas ATM withdrawal limit is zero. You will also need to maintain sufficient funds in your Hong Kong dollar current account

At any HSBC branch in Hong Kong or send a completed enrolment form to PO Box 72677, Kowloon Central Post Office, Kowloon.

Download the PLUS ATM chip card enrolment form

We'll send your ATM PIN and card collection information within 5 working days of receiving your application.

You can differentiate the two cards based on these features:

SELECT OPTION
Features
UnionPay ATM chip card
PLUS ATM chip card
tap to change option
Account number
Integrated Hong Kong dollar savings account - the last 3 digits of the account number are 833 or 888.
Integrated Hong Kong dollar current account - the last 3 digits of the account number are 001.
ATM network logo (found on the right bottom corner of the back of your card)


union Pay  
plus


Signature panel
Signature required. Your signature will be verified by merchant for purchase transactions via UnionPay network.
No signature required as no purchase transaction via Visa network is supported.

We now only issue PLUS ATM chip cards to HSBC Premier Junior Pack cardholders. Your child can continue to use their existing UnionPay ATM chip card until the card expires or you can switch to a PLUS ATM chip card now. The PLUS ATM chip card for Junior Pack has to be activated within three months upon card issue date. The existing UnionPay ATM chip card will be deactivated once you activate the new card.

To apply for the PLUS card, Junior Pack account holders can call HSBC Premier on (852) 2233 3322 or visit any HSBC branch.

The ATM cash withdrawal fees per transaction are as follows:

SELECT OPTION

PLUS card
UnionPay card
tap to change option
Overseas ATM cash withdrawal
HKD40
HKD20
Local cash withdrawal (HSBC ATM)
Free
Free
Local cash withdrawal (non-HSBC ATM)
HKD25
HKD15

There is a difference in fee due to the usage of different networks.

Transaction fees change from time to time. You can get the latest figures by reading our Bank Tariff Guide

Yes, you can continue to use your current UnionPay ATM chip card even after we've issued your PLUS ATM chip card.

Some of the overseas ATMs can only access the Visa / Master Card credit card information (but not the bank account information). To avoid withdrawing cash from the credit card account and incurring a cash advance fee, you may wish to apply for a PLUS ATM chip card to fit your needs. To enable you to operate both HKD savings and HKD current accounts overseas, the UnionPay ATM chip card is linked to your integrated HKD savings account while the PLUS ATM chip card is linked to your integrated HKD current account.

Your new UnionPay chip card can't be used on the PLUS/Cirrus network.

Your new ATM chip card can be used at:

  • All HSBC ATMs, except those in Argentina, Brazil, France, Greece, Malta, Mexico, New Zealand and Turkey
  • All Hang Seng ATMs
  • UnionPay ATM and POS network in Hong Kong, China and many other countries with exception of some UnionPay ATMs that are in the process of upgrading

If you have any questions, please contact us.

If you are travelling to a country where the UnionPay chip card is not supported, you may want to:

  • Prepare enough cash in the local currency before you travel

Apply for an HSBC PLUS ATM chip card or link your Visa or MasterCard credit card to your HSBC account so you can access PLUS and Cirrus network ATMs abroad.

You can link your HSBC issued credit card to your bank account by calling HSBC phone banking at (852) 2233 3000 or by visiting a HSBC branch in Hong Kong. If you apply by phone, the processing time of your request will be two working days. Branch applications take four working days to process.

Once processed, you'll need to activate the link by visiting an HSBC or Hang Seng ATM in Hong Kong and using your credit card to make a withdrawal, transfer or balance enquiry.

If you don't have an ATM PIN for your credit card, you can apply for a new PIN at a branch or through Personal Internet Banking. If you have a phone banking PIN you can also request an ATM PIN by phone (Quick key: 5 then 3 then 3).

As a final step, you'll need to set an overseas ATM daily withdrawal limit for your credit card. You can do this through Personal Internet Banking, mobile banking, phone banking, at a branch or at an HSBC or Hang Seng ATM in Hong Kong.

You can use a linked credit card to withdraw money from a PLUS or Cirrus network ATM overseas. In most countries, the ATM will give you the option to access these accounts:

  • credit card account
  • checking account or current account
  • savings account

If the ATM you're using doesn't show these options, then any cash withdrawal you make will come from your credit card account. It will be treated as a cash advance and subject to a fee.

Chip cards include both a magnetic stripe and an embedded microchip. The data on the microchip is much more difficult to steal and use for unauthorised transactions when compared to a magnetic stripe.

While chip cards help protect you from fraud you should still keep your card safe and protect your PIN at all times

The maximum limits11 shared for both local and overseas withdrawals are:

  • HSBC Premier Card HKD40,000
  • HSBC Advance Card HKD30,000
  • Other cards  HKD20,000

Withdrawing the maximum amount may require a few transactions, depending on the dispensing limit of the ATM.

To strengthen security controls for ATM services, the overseas ATM daily withdrawal limit (including cash advances) for all ATM and credit cards was pre-set to HKD0. If you have not yet set the ATM withdrawal limit, please do so for your credit card(s) or ATM card(s) through Personal Internet Banking, phone banking, HSBC Mobile Banking, any HSBC branch or any HSBC/Hang Seng ATM in Hong Kong.

11If you wish to withdraw the maximum amount, you may have to do so more than once, depending on the dispensing limit per transaction of the ATM used.

The daily transfer limit refers to the maximum amount you can transfer to HSBC accounts that are NOT linked to customers' ATM/credit cards or Hang Seng accounts from HSBC or Hang Seng ATMs in Hong Kong.

To find your daily transfer limit, log on to Personal Internet Banking and go to My HSBC then to Maintain My Details. You can check your ATM transfer limit under View and Set Transaction Limit.

To strengthen security controls for ATM services, the overseas ATM daily transfer limit was pre-set to HKD0. If you have not yet set the ATM transfer limit, you can activate via Personal Internet Banking and our branches in Hong Kong.

For your security, the overseas daily withdrawal limit and overseas transfer limit for all ATM and credit cards is HKD0.

You can set a new overseas withdrawal limit through:

  • Personal Internet Banking
  • Phone banking
  • Mobile Banking
  • HSBC branch in Hong Kong
  • HSBC or Hang Seng ATMs in Hong Kong

To set a new overseas transfer limit log on to Personal Internet Banking or visit a HSBC branch in Hong Kong.

The maximum ATM daily withdrawal limits shared with both local and overseas withdrawals are as follows:

HSBC Premier Junior Pack Cash Card
HKD40,000
Cash Card Beneficiary Card 
HKD20,000

Withdrawing the maximum amount may require a few transactions, depending on the dispensing limit of the ATM.

You can activate overseas withdrawals on behalf of your child or family member by visiting a HSBC branch in Hong Kong. HSBC Premier customers can also activate withdrawals by phone banking.

The family member who holds the card can also activate overseas withdrawals themselves at a HSBC or Hang Seng ATM in Hong Kong.

To activate overseas withdrawals for multiple cards, you can select All cards at HSBC or Hang Seng ATMs in Hong Kong - this takes two working days to process.

Or if you're using Personal Internet Banking or mobile banking you can select multiple cards for activation - this will be processed instantly.

If you've registered your mobile phone number with us we'll confirm the activation by SMS text message. You can also check whether your request was processed via ATM, Personal Internet Banking, mobile banking or phone banking.

Reminder note: If you wish to withdraw the maximum amount, you may have to do so more than once, depending on the dispensing limit per transaction of the ATM used.

30 day service pledge

General

All HSBC personal customers who have successfully applied to the eligible products / services under the '30-Day Service Pledge' programme are eligible for the programme.

No separate subscription is required. Customer purchase eligible banking and insurance products will be entitled for this offer automatically.

SELECT OPTION
Category
Eligible product / service
Refund / waiving of the corresponding...
tap to change option
Investment
Securities Margin Trading Service Account
Safe custody fee

Stocks Monthly Investment Plan
Brokerage fee of the purchase and sale transaction

Unit Trust - Lump-sum Open-end Funds
Initial subscription fee

Unit Trust Monthly Investment Plan
Initial subscription fee (if applicable) and termination administration fee of HKD80 per plan

Unit Trust - the 'No Subscription Fee Series'
Administration fee
Insurance
Life Insurance
Premium paid (market value adjustment will be made for investment linked plan and single payment life policies)
Personal Loans
Personal Instalment Loan
Early redemption fee of 2% of initial approved loan amount
Mortgage
HighAdvance Mortgage (owner-occupied property loan)
Full Prepayment administration fee
For more detailed information, please refer to this programme terms and conditions.

No. There is no limitation on the number of request for fee refund / waiver under the '30-Day Service Pledge' programme. However, the bank reserves the right to reject the request when there is abuse claim of fee refund / waiver or it is not legitimate.

Customers who have reached the age of 65 and above on the date of product purchase or service application ('senior customers') are eligible for the additional 30-day period, which means they can submit the refund / waiver request within 60 days of successful purchase of eligible products.

Remarks:

  • For Life insurance, customer mentioned above refers to 'Life Insured' of the policy.
  • 'Additional 30-day refund' is not applicable to Personal Instalment Loan.

The 60 day refund / waiver period will be applicable in this case. The request can be submitted via either joint account holder, except for both-to-sign joint account which would require both parties to submit the request.

These 30 or 60 days refer to 30 or 60 calendar days respectively upon the purchase of eligible banking and insurance products.

Remarks:

  • For Personal Instalment Loan, it is 30 calendar days from initial loan drawdown.
  • For Insurance, it is 30 calendar days from the policy delivery date or the delivery of a notice informing the customer about the availability of the policy and the expiry date of the Cooling-off Period, whichever is the earlier.

In general, customer may submit his / her refund / waiver request at our branch.

The refund / waiver of specified fees or premium will be made within 30 days from receipt of the refund / waiver request by HSBC or collection of the relevant fees or premium, whichever is later.


Investment

The fee refund / waiver is limited to the fees as specified in the '30-Day Service Pledge' programme. Please note the fee refund / waiver does not apply to investment losses and customers will still be responsible for any loss as a result of sale of investment or investment-linked products (including without limitation any difference in the buy and sell spread) and any other fees and charges involved.

Unit Trusts subscribed through the FundMax account is not eligible under this '30-Day Service Pledge' programme because FundMax account is charged with a monthly account fee which is calculated based on the average holding balance of all funds in the account instead of individual fund holding. Also, initial charge and switching fee are waived for subscription or switching using the FundMax account.

The fee refund will be made within 30 days from receipt of the request by the Bank or collection of the relevant fees or premium, whichever is later.

Remarks:
For Securities Margin Trading Service Account, the safe custody fee is due and payable on a monthly basis by 1st of the following month. If customer closes the account and raises the claim request before a payment due date (before 12 noon of the last day of the month), that coming safe custody fee would be arranged in way of a waiver, i.e. no safe custody fee has been collected prior to the claim request, then the fee refund will be zero under this circumstance. If safe customer fee has been collected prior to the claim request, then the collected fee will be arranged in a way of a refund.

You may ask for a fee refund / waiver for your regular or 'one-off top-up contribution' for the first time upon plan setup. Any subsequent top-up contributions, either one-off or regular, are not considered as setup of new plan and hence not eligible for a fee refund / waiver.

The initial subscription fee or administration fee, whichever applicable, is stated in the contract notes issued for your subscription of unit trusts / funds. If the currency of the fee is not the same as the denomination of the settlement account as specified for receiving the refund, the fee refund amount will be converted into the denomination currency of the settlement account at the prevailing exchange rate as determined by the Bank.


Insurance

All premium paid will be refunded for non Investment-linked insurance plan and regular payment life policies. However, for Investment-linked insurance plan and single payment life policies, refund of premium paid will be subject to any adjustment as a result of any reduction in market value of the investment before policy charges. Accordingly, customers may suffer from an investment loss and receive back less than the premium paid. However, no refund can be made if a claim has already been paid.

You can cancel your insurance policy within 30 days (for life insured aged below 65 on insurance application date) or 60 days (for life insured aged 65 or above on the insurance application date) from the policy delivery date or the delivery of a notice informing customer about the availability of the policy and the expiry date of the Cooling-off Period.

Traditional life insurance products shall take no longer than 4 business days after submission of request while investment-linked products will take around 8 business days after request submission. HSBC Life (International) Limited will credit the premiums back to customer's HSBC account or HSBC credit card account. If neither account is provided, HSBC Life (International) Limited will send cheque to customers.


Personal Loans

Early redemption fee of 2% of initial loan amount will be waived, but you should pay the daily interest incurred from loan drawdown to the date when the Early Repayment Application Form is received by the Bank.

The Bank will waive the early redemption fee, but the handling fee (if any) charged to your loan upon loan drawdown would not be refunded.

No, the '30-Day Service Pledge' programme is applicable to new Personal Instalment Loan applications only. Loan redraw from existing Personal Instalment Loan is not applicable.


Mortgage

If eligible customers fully prepay the HighAdvance Mortgage (owner-occupied property loan) with our bank within 30 days from the date of drawdown, the full prepayment administration fee will be waived.
Other fees and charges will continue to be paid by customers as usual.

No.

Customers shall repay to HSBC the following as stated in the terms and conditions of the related facility letter:

  • Interest accrued for the period from the date of drawdown to full prepayment;
  • Partial prepayment administration fee (if applicable);
  • Full amount of the cash incentive or subsidy (if applicable); and
  • Other prepayment fee (if applicable)

Other fees and charges that are for account of the customers (including but without limitation to Mortgage Insurance Premium collected by HSBC and paid to The Hong Kong Mortgage Corporation Limited, or all reasonable costs and expenses such as legal fees) will not be refunded or waived by HSBC. For details, please contact any HSBC branch.


Charity donations

Charities that support the eReceipt service are marked with a special indicator on the charity donation list. Please note that in order to use the eReceipt service you can only make a donation by bank account transfer, not by credit card.

Yes, it is officially accepted proof for tax purposes. The eReceipt is retained for up to 24 months for your reference. You can save it or print for your records.

No, you must provide the donor's name if you request a donation eReceipt. The donor's name is essential if the receipt is to be used for tax purposes.

HSBC Premier

Once your application is submitted during online business hours - Mon-Fri 8.30am-7pm, Sat 8.30am-4pm - and you have registered through Personal Internet Banking, you can use your integrated account immediately.

If you applied for an Investment Services account at the same time this will also be ready to use.

If you apply after business hours or on public holidays, your application will be processed on the next working day at 8.30am and, under normal circumstances, your HSBC Premier account will be in operation before 10am on the same day.

Yes, you are welcome to register for an HSBC Premier account online for yourself if you :

  • have a personal bank account, in your name only, with HSBC (credit cards and safe deposit boxes are excluded) and
  • have a total relationship balance of HKD1,000,000 or above.

If you have a joint account, you will need to register at a branch.

Register for an HSBC Premier account

Yes, you can do this at any HSBC branch. You can't register online for HSBC Premier in joint names, as your log on is personal to you only.

Request an appointment at a branch to open a joint HSBC Premier account

No, you can only register for HSBC Premier online for yourself if you:

  • have a personal bank account with HSBC in your name only (credit cards and safe deposit boxes are excluded); and
  • have a total relationship balance of HKD1,000,000 or more.

No, there is no additional fee. Only the normal service charges apply.

Yes. Once you have registered for HSBC Premier online, the system will automatically add this to your account list online.

As long as you have an internet connection you can easily manage your finances online anytime, anywhere in the world.

No. The service you receive will be the same regardless of how you opened the account.  Please register in the way you prefer and find easiest.

You can switch your autoPay instruction through HSBC Personal Internet Banking. You should first delete the autopay instruction from your existing passbook account and then set it up again in your new HSBC Premier. Once you've logged on, select the 'Banking' tab and select 'autoPay ', which shows your existing autoPay instruction(s) in all of your accounts with HSBC. Select the 'Delete' button to delete the specific autoPay instruction from your passbook account. Next, select 'Set up' to set up the same autoPay instruction under your new HSBC Premier.

Alternatively, you can visit any branch of HSBC and the staff will handle your instructions on the spot.

Please notify the recipient (the party to whom you authorise us to make a payment) about the changes.

If you submit the account opening application within the online business hours - Mondays to Fridays, 8.30am-7.00pm, Saturdays 8.30am-4.00pm, you will be notified immediately on the status of the application in the Acknowledgement page. Therefore, no confirmation letter/email will be sent to you again.

If you submit the account opening application after online business hours, you will receive an email notification on the next working day, following your account application.

You can operate it immediately, but foreign exchange and time deposits will only be available on the next working day.

Yes. There is an annual fee of HKD20 for receiving two or more paper statements a year on your:

  • Personal Banking HK Dollar Current
  • SuperEase
  • HSBC Premier
  • HSBC Advance
  • Personal Integrated Account (SmartVantage)
  • University Student
  • Cash Card
  • Renminbi Savings
  • HK Dollar Statement Savings
  • CombiNations Statement Savings
  • Foreign Currency Current account(s)

Each year's fee will be taken from your account during the first quarter of the following year via Direct Debit.

We donate the fee to non-profit organisations to support development in the local community.

HSBC Advance

We have a range of benefits for our HSBC Advance customers

Fast access, more control
As an HSBC Advance customer, you can do your day-to-day banking any time of the day or night. Secure Internet and mobile banking keeps you in control of your money, wherever you are in the world. You'll also enjoy round-the-clock phone banking support, exclusive credit cards, ATM card and real-time international fund transfer.

Online and on your side
Whether you're trying to manage your wealth or are making big plans for the future, our online tools are there to help. These tools make it easy to plan for your investment and keep abreast the latest market information.

Individual expertise and support
No matter how good you are with money, there will be times when you want support. That's why our team of financial experts are more than happy to talk with you in person or over the phone. We'll support you in whatever ways we can to achieve your goals to different life stages.

Preferential rates and rewards
You'll get localised offers and rewards that we chose for you as well as discounted rates that we're sure you'll enjoy. So you can do more with your money to realise your financial goals.

You can enjoy the following privileges including:

  • Perpetual annual fee waiver for both primary and additional HSBC Advance Visa Platinum Cards
  • Exclusive year-round dining discounts at renowned hotels and restaurants around the world
  • Year-round discount on luxury fashion brands and accessories at leading stores
  • Best-in-class rewards programme
  • Merchant offers and exclusive discounts at local chains offered by private label cards
  • Wide range of privileges in more than 160 countries worldwide, under the home&Away programme

If you are an existing HSBC customer, you can apply online for HSBC Advance.

For new HSBC customers, you can visit any HSBC branch; or Book an appointment with us

If you are already an HSBC customer, you can join HSBC Advance online.

If you are a new customer, you will need:

  • Your Hong Kong ID Card
  • Proof of address - for example, a bank statement or utility bill

HSBC Advance is free if you maintain a Total Relationship Balance of HKD200,000 or more. This includes:

  • Deposits
  • Investments
  • Utilised credit facilities
  • Life insurance with savings or investment component
  • HSBC MPF balances
  • HSBC ORSO Defined Contribution Scheme balances administered by HSBC Life (International) Limited

If your Total Relationship Balance drops below HKD200,000, we will charge a fee of HKD120 based on your average Total Relationship Balance over the past three months.

As an HSBC Advance customer, you can arrange to open an international account at 50% less than the standard rate through our International Banking Centres (IBCs). We can also transfer your credit history from your home country to enable you to access credit facilities overseas.

Once you register, an integrated account will be available immediately for your use if your application is submitted within the online business hours -- Mondays to Fridays 8.30 am-7.00 pm, Saturdays 8.30am-4.00 pm, including the Investment Services account if you have applied for it simultaneously.

If you submit after business hours or on public holidays, your application will be processed on the next working day at 8.30 am and, under normal circumstances, your HSBC Advance will be in operation before 10.00 am on the same day.

Yes, you are welcome to register for HSBC Advance online in your sole name if :

  • you have a sole-named personal bank account with HSBC (credit cards and safe deposit boxes are excluded) and
  • you have a total relationship balance of HKD200,000 or above

You are welcome to visit any branch of HSBC if you wish to open a joint-name account. You cannot register for HSBC Advance account in joint names online as the logon represents your sole identity.

Yes. Once you have successfully registered for HSBC Advance online, the system will automatically add this to your account list with HSBC under our Personal Internet Banking system. This means you can manage your finances online with ease - any time and anywhere in the world, as long as you have an internet connection.

No. Please rest assured that service provision will be the same, regardless of the account opening channel.

You can switch your autoPay instruction through HSBC Personal Internet Banking. You should first delete the autoPay instruction from your existing passbook account and then set it up again in your new HSBC Advance. Upon logging on, select the 'Banking' tab and select ' autoPay '. Select the 'Existing instruction(s)' tab, which shows your existing autoPay instruction(s) in all of your accounts with HSBC.

Select the 'Delete' button to delete the specific autoPay instruction from your passbook account.

Next, set up the same autoPay instruction under your new HSBC Advance.

Alternatively, you can visit any branch of HSBC and the staff will handle your instructions on the spot.

Please notify the recipient (the party to whom you authorise us to make a payment) about the changes.

There is no additional service fee for your secured credit facility. Charges will only be incurred if you have used the secured credit line; interest is calculated daily based on the amount used and is applied monthly to the account.

If you submit the account opening application within the online business hours -- Mondays to Fridays, 8.30 am-7.00 pm, Saturdays 8.30am-4.00 pm, you will be notified immediately on the status of the application in the Acknowledgement page. Therefore, no confirmation letter/email will be sent to you again. If you submit the account opening application after online business hours, you will receive an email notification on the next working day following your account application.

You can operate immediately, but foreign exchange and time deposit will only be available on the next working days.

Yes, when you collect the account pack, you are required to bring along an up-to-date identification document and present this to the selected branch of HSBC for verification. The welcome pack contains an ATM card and PIN, phone banking PIN and cheque book The bank reserves the right to request a cop of your identification document if it is deemed necessary.

HSBC recommends that you collect the account pack as soon as you can, since the account pack can provide you with detailed information about the product you have registered for, and also the account tools to enable you to access the new account via multiple channels. If you cannot visit your selected branch of HSBC to collect the account pack within a reasonable period, say, four weeks, please call the branch concerned to make special arrangements.

If you submit your registration during online business hours, the account pack will be available immediately after you are notified of the account details and the address of the HSBC branch for collecting the pack in the Acknowledgement page. If your submission is after online business hours, your request will be handled on the next working day and the welcome pack will be available after you have received an email notification confirming your new account details. You can only collect your account pack during the branch's office hours. Just call the telephone number listed along with your selected branch in the Acknowledgement page to enquire about the opening hours.

Perpetual annual fee waiver

Exclusive year-round dining and shopping offers

Best-in-class rewards

Offers and exclusive discounts at local chains offered by Private Label cards

Wide range of privileges in more than 160 countries worldwide with home&Away

You’ll also be entitled to all of the privileges offered by our HSBC Visa Platinum Card


Please click "HSBC Advance Visa Platinum Card Application" at the top of the page for details.

If you opt for this function, you will be able to purchase Hong Kong Jockey Club Cash Voucher at the bank's ATM machines. However, USD VISA Gold cardholder cannot enjoy this facility.

If your application is successful, a letter will be sent to you for card collection.

Please mark down a reference number displayed on screen after you have submitted your application. You may call HSBC Advance Hotline on (852) 2748 8333 and quote the reference number to check your application status.


Personal Integrated Account

'Personal Integrated Account' is also named 'SmartVantage'. Personal Integrated Account and SmartVantage are used interchangeably in customer communications including account statements, bank forms/advices, Personal Internet Banking, etc.

HSBC Personal Integrated Account is free if you maintain a Total Relationship Balance of HKD10,000 or more. This includes:

  • Deposits
  • Investments
  • Utilised credit facilities
  • Life insurance with a savings or investment component
  • HSBC MPF balances
  • HSBC ORSO Defined Contribution Scheme balances administered by HSBC Life (International) Limited
  • If your Total Relationship Balance drops below HKD10,000, we will charge a fee of HKD60 based on your average Total Relationship Balance over the past three months.

Once you register, an integrated account will be available immediately for your use if your application is submitted within the online business hours -- Mondays to Fridays: 8.30 am to 7.00 pm; Saturdays: 8.30 am to 4.00 pm, including the Investment Services account if you have applied for it simultaneously. For submission after business hours or on public holidays, your application will be processed on the next working day at 8.30 am and, under normal circumstances, your Personal Integrated Account will be in operation before 10.00 am on the same day.

Yes, you are welcome to register for Personal Integrated Account online in your sole name if :

  • you have a sole-named personal bank account with HSBC (credit cards and safe deposit boxes are excluded) and
  • you have a total relationship balance of HKD10,000 or above.

You are welcome to visit any branch of HSBC if you wish to open a joint-name account. You cannot register for a Personal Integrated Account in joint names online as the logon represents your sole identity only.

No, there is no additional fee for registering for Personal Integrated Account online. Only the normal service charges apply.

Yes. Once you have successfully registered for a Personal Integrated Account online, the system will automatically add this to your account list with HSBC under our online banking system. This means you can manage your finances online with ease -- any time and anywhere in the world, as long as you have an internet connection.

Upon successfully completing this registration process online, you will be notified to collect an account pack at your chosen branch of HSBC. This account pack contains a User’s Guide, an ATM card with PIN, and a phone banking PIN. Simply use the phone banking PIN and follow the instructions in the User’s Guide to easily access our phone banking services.

There is no additional service fee for your secured credit facility. Charges will only be incurred if you have used the secured credit line; interest is calculated daily based on the amount used and is applied monthly to the account.

You can switch your autoPay instruction through HSBC online banking. You should first delete the autoPay instruction from your existing passbook account and then set it up again in your new Personal Integrated Account. Upon logging on, click on the 'Banking' tab and select 'autoPay'. Click on the 'Existing instruction(s)' tab, which shows your existing autoPay instruction(s) in all of your accounts with HSBC. Click on the 'Delete' button to delete the specific autoPay instruction from your passbook account. Next, set up the same autoPay instruction under your new Personal Integrated Account. Alternatively, you can visit any branch of HSBC and the staff will handle your instructions on the spot.
Please notify the recipient (the party to whom you authorise us to make a payment) about the changes.

If you submit the account opening application within the online business hours -- Mondays to Fridays: 8.30 am to 7.00 pm; Saturdays: 8.30 am to 4.00 pm, you will be notified immediately on the status of the application in the Acknowledgement page. Therefore, no confirmation letter/email will be sent to you again. If you submit the account opening application after online business hours, you will receive an email notification on the next working day following your account application.

You can operate immediately, but foreign exchange and time deposit will only be available on the normal next working days.

Yes, when you collect the account pack, you are required to bring along an up-to-date identification document and present this to the selected branch of HSBC for verification. The welcome pack contains an ATM card with PIN, and a phone banking PIN. The Bank reserves the right to request a copy of your identification document if it is deemed necessary.

HSBC recommends that you collect the account pack as soon as you can, since the account pack can provide you with detailed information about the product you have registered for, and also the account tools to enable you to access the new account via multiple channels. If you cannot visit your selected branch of HSBC to collect the account pack within a reasonable period, say, four weeks, please call the branch concerned to make special arrangements.

If you submit your registration during online business hours, the account pack will be available immediately after you are notified of the account details and the address of the HSBC branch for collecting the pack in the Acknowledgement page. If your submission is after online business hours, your request will be handled on the next working day and the welcome pack will be available after you have received an email notification confirming your new account details. You can only collect your account pack during the branch's office hours. Just call the telephone number listed along with your selected branch in the Acknowledgement page to enquire about the opening hours.

You can apply for your cheque book by selecting the "Cheque book reorder" link provided in the acknowledgement slip after your account application; or you can apply for your cheque book at "Request for cheque book" under "Maintain my details" at "My HSBC" page at HSBC online banking; or you can visit any HSBC branch for cheque book ordering.

Credit cards

General credit card FAQs

Once we receive your application and supporting documents, we'll process your application within seven working days. If your application is approved, we'll send out your new credit card within four working days.

Finance charges
We'll charge this fee to your card if you decide not to pay the total outstanding amount due on your card by the payment due date. Full details of how the fee is calculated can be found in the Guide to General Banking Tariffs

Late charges
Weoll charge this fee to your credit card account if we do not receive the minimum payment due on or before the payment due date. For more details of how the fee is calculated, check your Credit Card Cardholder Agreement

Card transactions which are effected in currencies other than Hong Kong dollars (for a Hong Kong dollar card) and US dollars (for a US dollar card) will be debited to the Card Account after conversion into Hong Kong or US dollars, as appropriate, at a rate of exchange determined by reference to the exchange rate adopted by Visa/MasterCard on the date of conversion. The Bank will also debit to the Card Account a fee of 0.95% of the card transaction charged by the Bank and a fee of 1% charged by Visa/MasterCard to the Bank.

For UnionPay Dual Currency Card and UnionPay Dual Currency Diamond Card, all card transactions effected in currencies other than Renminbi and Hong Kong dollars will be debited to the Hong Kong dollar sub-account after conversion into Hong Kong dollars at a rate of exchange determined by reference to the exchange rate adopted by UnionPay on the date of conversion. The Bank will also debit to the Hong Kong dollar sub-account a fee of 1% of the card transaction charged by the Bank.

There is no limit on the number of additional cards a cardholder may have.

There is no additional service fee if you apply for the HSBC Premier credit card. You will enjoy a perpetual annual fee waiver on the HSBC Premier primary credit card and all of the additional credit cards by providing the Integrated account number(HSBC Premier).

^All charges are subject to revision without notice. The latest charges are available at branches upon request.

If your application is successful, a letter will be sent to you for card collection.

Please mark down a reference number displayed on screen after you have submitted your application. You may call (852) 2233 3322 for HSBC Premier customers, (852) 2748 8333 for HSBC Advance customers, (852) 2233 3000 for Other customers and quote the reference number to check for the application status.

Call us as soon as you notice the problem and we'll investigate.

HSBC Premier customers
(852) 2233 3322

HSBC Advance customers
(852) 2748 8333

Other customers
(852) 2233 3000

Yes, you will earn $1 RewardCash for every HKD250 paid towards your bills online (except bill payment to Inland Revenue Department)using the following cards:

  • HSBC Premier Credit Card
  • HSBC Advance Visa Platinum Card
  • HSBC Visa Signature Card
  • Platinum cards
  • UnionPay Dual Currency Diamond Credit Card
  • Online bill payments (except charity donations) made by Gold Card will not be issued RewardCash

Call us as soon as you notice the card is gone.

HSBC Premier customers
(852) 2233 3322

HSBC Advance customers
(852) 2748 8333

Other customers
(852) 2233 3000

You can:

  • Transfer funds using Personal Internet Banking
  • Pay through an ATM (Automated Teller Machine)
  • Use PPS
  • Use Phonebanking
  • Set up an autoPay
  • Send a cheque
  • Use a cash deposit machine (CDM)
  • Pay over the counter at any HSBC branch subject to a fee.

For details, please refer to Bank Tariff Guide for Retail Banking and Wealth Management Customers

We offer Verified by Visa and MasterCard® SecureCode™. These services give you a password to protect online payments you make with your HSBC credit cards, meaning only you can use your cards online.

We offer these services for all personal HSBC Visa and MasterCard®.

  1. Register your cards by creating your password and personal message after logging on to Personal Internet Banking with your Security Device
  2. Shop online at participating merchants and pay with the cards you have registered.
  3. When the Verified by Visa or MasterCard® SecureCode screen appears, check that the personal message is the one you created when you registered.
  4. Enter your password and complete your purchase.

These services give you added peace of mind by preventing unauthorised use of your HSBC credit cards online.

Yes, you'll need to register again if you want to use these services with your replacement card which has a different card number to your lost card

Your new card will have the same card number as your expired card, so there's no need to register again.

  1. Log on to Personal Internet Banking or visit our Card Services page
  2. Create your password and personal message. The password identifies you as the authorised cardholder, and the personal message allows you to check that the Verified by Visa or MasterCard® SecureCode™ screen you see while paying is genuine. You'll be asked to enter the Card Verification Value (CVV2) of your Visa card, or Card Verification Code (CVC2) of your MasterCard® and the card's expiry date. The CCV2 or CVC2 is the last 3 digits on the signature strip of your card. The expiry date is printed on the front of the card.
  3. After you submit your registration information, you'll see the Terms & Conditions for the services. Read and accept these to complete the process.

Yes. You'll see the verification screen the next time you shop at a participating retailer with your registered card.

The services work with most recent versions of Internet Explorer, Firefox, Chrome and Safari.

Please check your browser to make sure you have updated to the latest version to get the most from these services.

The personal greeting (PAM) is a unique message you set up when you register for Verified by Visa or MasterCard® SecureCode™. When you pay online look for your message to make sure the Verified by Visa or MasterCard® SecureCode™ verification screen is genuine.

When you register for Verified by Visa or MasterCard® SecureCode™, you will create a password or SecureCode™ respectively. You'll be asked to enter this when you shop online with participating merchants. For security, please don't use your name, birthday or your ATM (Automated Teller Machine), phone banking or Personal Internet Banking PIN. Memorise your password or SecureCode™. Never write it down or reveal it to anyone.

No. It's important to register as soon as possible, as your payments will be declined if you use your card at participating merchants before registering, and we'll need to verify your personal information before we can process the payment. However, so as not to cause you any inconvenience for purchases you may make before registration, HSBC will process your payment through a secure conditional authentication upon verification of your personal information.

Participating stores display the Verified by Visa or MasterCard® SecureCode™ symbols on their websites. There are also lists of participating stores on the Visa website and the MasterCard® website.

You can reset your password access using Personal Internet Banking with Security Device.

Select 'Update registration info' in the secure online payment section.

Yes, you can change your password at any time after logging on to Personal Internet Banking with Security Device. Passwords should contain 6 to 8 characters with no spaces or symbols in between and must be different from your username and any previous passwords. Remember, passwords are case sensitive.

Call HSBC on immediately.

Call us as soon as you notice the card is gone. You can get in touch using one of the hotlines below.

HSBC Premier customers
(852) 2233 3322

HSBC Advance customers
(852) 2748 8333

Other customers
(852) 2233 3000

You can see your eStatements via Personal Internet Banking

Log on to Personal Internet Banking to tell us your new email address and any other updated personal information. You can also update us at any HSBC branch, or call us on the numbers below:

HSBC Premier customers
(852) 2233 3322

HSBC Advance customers
(852) 2748 8333

Other customers
(852) 2233 3000

Your new password will only work for eStatements issued after you changed your password. You'll need to use your old password to access previous eStatements.

Yes. To apply, go to Credit cards in Personal Internet Banking.

You can do the following using Personal Internet Banking:

  • Request a statement
  • Enquire about your card application status
  • Change your personal information and address
  • Set up/change payment instructions
  • Request a Personal Identification Number (PIN)
  • Increase your credit limit
  • Change your virtual card spending limit
  • Arrange an over-the-limit facility

To give other instructions on credit cards:

  • HSBC Premier customers call (852) 2233 3322
  • HSBC Advance customers call (852) 2748 8333
  • Other customers call (852) 2233 3000

No. We will re-link your existing octopus card to the replacement card for the Automatic Add-Value Service(AAVS). Each cardholder can register one Octopus card belonging to him/ her for AAVS with HSBC credit card only.


Private label cards

With a private label card, you can enjoy exclusive year-round discounts, birthday offers and exclusive promotions from the specific merchant associated with your card.

HSBC Premier cardholders, HSBC Advance Visa Platinum cardholders, HSBC Visa Signature Card and HSBC Visa Platinum cardholders can apply for up to 4 Private Label Cards.

Other cardholders can apply for up to 2 private label cards except city'super card and HARVEY NICHOLS card.

Cardholder must settle the payment of their purchase with the private label card whereas these purchases are eligible for the exclusive year-round discounts, birthday offers or promotional offers.

No. The card is designed to be used with a specific merchant rather than for general use.

No. Like other credit cards, it's linked to your credit card account and you'll need to provide a signature when you use it to make a purchase.


Mobile Payments for Android Users

see Mobile Payments for iPhone users

Yes. You need to be an HSBC customer, and be the primary cardholder of an HSBC MasterCard® issued in Hong Kong.

If you are an HSBC Premier customer and you do not have a MasterCard®, you can apply for an HSBC Premier MasterCard® credit card by calling the HSBC Premier hotline on (852) 2233 3322.

Mobile Payments will be available to other customers at a later date.

No. You have to be the primary cardholder of an HSBC MasterCard® credit card to apply for Mobile Payments.

No. The applicable fee(s) for Mobile Payments will be waived until further notice. Some mobile network operators may charge for issuing an NFC SIM card. Please contact your mobile network operator for more information.

No. You can choose to use Mobile Payments on either your Android device or your iPhone, but not on both.

No. The two mobile devices use different operating systems. You will need to cancel the mobile card on your old mobile device and replace it with a new mobile card for your new mobile device.

Remember to use the RewardCash you have on your old card before replacing it.

To cancel your mobile card in your old mobile device, please contact:

  • HSBC Premier customers call (852) 2233 3322
  • HSBC Advance customers call (852) 2748 8333
  • Other customers call (852) 2233 3000

No. If you cancel your corresponding HSBC plastic credit card, your Mobile Payments service will also be cancelled.

We strongly advise you not to use HSBC Mobile Payments or the HSBC Mobile Banking app on non-secure devices - as they're not guaranteed to be secure, trustworthy and virus-protected.

To solve this issue, please download the latest HSBC Mobile Banking App. When you select Mobile Payments function, a pop-up message will ask you to confirm your choice to set HSBC Mobile Payments as the default App for tap and pay function. Once you have set HSBC as default App, you can continue to use HSBC Mobile Payments. You can later change your default App in the settings page of your device.


Application / Activation / Service

You can apply for Mobile Payments via the HSBC Mobile Banking app. Youoll be guided through the application process.

To use Mobile Payments you need to:

  1. be the primary cardholder of an HSBC MasterCard®
  2. be an Personal Internet Banking customer with a Security Device
  3. download the latest HSBC Mobile Banking app
  4. have an eligible mobile device
  5. use the mobile service by a designated mobile network operator and get an NFC SIM card from them

Just follow these steps:

  1. Register for Personal Internet Banking
  2. Once you are registered, ask for a Security Device in the Service Requests area – you will need to be logged on
  3. The Security Device will be mailed to your correspondence address within 3 working days. Follow the instructions included to activate it.

Mobile Payments are only available for selected Android devices and designated mobile network operators. See Mobile Payments

Mobile Payments may not work if your device has accessories, such as a battery, which are not produced by the original equipment manufacturer (OEM).

Simply contact your mobile network operator. Some mobile network operators may charge for an NFC SIM card.

Your card will only appear if you are eligible to apply for HSBC Mobile Payments with that MasterCard®. You will not be able to apply for Mobile Payments if :

  • you already have a mobile card for iPhone (the NFC-enabled phone sleeve)
  • or you already have two mobile cards with your Android device

Mobile Payments are only available to the primary cardholder of an HSBC MasterCard®. If you are a primary cardholder, please log on to Personal Internet Banking to check if your card is linked to your Personal Internet Banking account. If not, please connect your card to your account by going to My HSBC > Maintain My Details > Maintain Online Account List/ eStatement and eAdvice.

Once your application has been approved and your mobile card is ready to be activated, you will receive an SMS message with an activation code to proceed with the activation process. This takes around two working days. If you have recently changed your mobile number, the SMS message might only be delivered around a week.

Yes. Once your application is approved, youoll receive an activation code via SMS message. Youoll then need to go to Mobile Payments on your HSBC Mobile Banking app where youoll find instructions for completing the activation process. Please have the following ready before you start:

  • The latest HSBC Mobile Banking App
  • Your Security Device for HSBC Personal Internet Banking
  • The activation code you received via SMS message
  • The NFC SIM card you used during the application

The activation code and/ or the SMS message will be sent to the mobile number we have in your records. If you have recently changed your mobile number, the SMS message might only be delivered around a week. Currently, activation code can only be sent via SMS message. Please check and update your personal information, including your mobile number, through Personal Internet Banking, any HSBC branch or our hotline:

  • HSBC Premier customers call (852) 2233 3322
  • HSBC Advance customers call (852) 2748 8333
  • Other customers call (852) 2233 3000

Yes. Your activation code will expire 48 hours after SMS delivery. If your activation code is expired, please follow the on-screen instruction to generate a new activation code. The new activation code will be sent to the mobile number we have in your records.

Yes. Make sure you have an internet connection and turn on the NFC feature in your mobile device during activation. Activation will take between 5 and 15 minutes, depending on your network speed.

Yes, you can apply for up to two mobile cards if you are the primary cardholder of more than one MasterCard®. On the application screen, choose the credit card you want to link your mobile card.

Yes. If you are the primary cardholder for more than one MasterCard®, you can apply Mobile Payments with two different mobile network operators. You can either apply one mobile card with each of the NFC SIM cards or apply two mobile cards with one NFC SIM card.

Please note that the mobile card can only be downloaded to the NFC SIM card that you used to process the application. Each customer may have no more than two mobile cards.


Making Payments

Yes, if the retailer accepts MasterCard® PayPass.

No. You do however need an internet connection during setup and updates.

The transaction limit depends on the setting of the payment terminal. For some applicable payment terminals, you can make payments up to credit limit upon successful verification of your Mobile Payments PIN. For other payment terminals, each contactless transaction is limited to HK$500 or HK$1,000, depending on the version of the iPhone sleeve. For transactions that cannot be accepted by Mobile Payments, please use your HSBC plastic card.

  • HSBC Personal Internet Banking
  • HSBC Mobile Banking app
  • Your credit card statement
  • "Recent Activities" available in the pull down menu of HSBC Mobile Payments after clicking the tile will show the last 20 transactions available

No. Mobile Payments uses Near Field Communication (NFC) technology, so you need an NFC SIM card for your transactions.

A 30-second timer appears when your mobile device is ready to make a payment. You need to complete your payment within 30 seconds. The timer also minimises battery consumption.

Yes. Your transaction instruction is valid for 30 seconds even when your mobile device locks or goes into sleep mode.

Yes. If the transaction hasn't been completed, press 'Cancel Payment' to stop the payment within 30 seconds.


Mobile Payments PIN

The Mobile Payments PIN is a 6-digit number that the HSBC Mobile Banking app asks you to create during the initial setup process. You need the PIN to see your credit card information.

You can also choose a 'PIN ON' option, so that Mobile Payments will ask for your PIN each time you make a transaction with your mobile device.

For your Mobile Payments security, we strongly recommend that you:

  • always use your PIN for payment
  • be cautious when entering your PIN in a public place

Don't choose obvious numbers for your PIN. Avoid:

  • your ID card number
  • your date of birth
  • personal telephone numbers
  • your phone unlock passcode
  • other easily accessible personal numbers.

If you have disclosed your PIN to anyone else, you should immediately notify the bank in person or by calling our hotline on:

  • HSBC Premier customers call (852) 2233 3322
  • HSBC Advance customers call (852) 2748 8333
  • Other customers call (852) 2233 3000

You can reset your PIN in the settings screen of HSBC Mobile Payments. Follow the instructions to log on to Personal Internet Banking with the Security Device to reset your PIN.

From time to time we will ask you to input your Mobile Payments PIN, even if you have selected 'PIN OFF'. This is for your security and to protect the payments you make.


Loss / Replacement / Security Handling

Please notify HSBC immediately on:

  • HSBC Premier customers call (852) 2233 3322
  • HSBC Advance customers call (852) 2748 8333
  • Other customers call (852) 2233 3000

Call your mobile network operator or check your mobile device manufacturer's website- they can advise you about remotely locking or wiping your mobile device.

If you are switching to another eligible Android device and are using the same NFC SIM card, you can put it in your new phone. HSBC Mobile Payments will ask you to enter your PIN. Once verified your PIN, your new mobile device is ready for Mobile Payments.

If you are switching to an iPhone, you need to set up Mobile Payments on your new mobile device.

If you are switching to a mobile device that doesn't support Mobile Payments, please make sure you cancel your card before you change it.

We recommend that you delete the HSBC Mobile Banking app from your old mobile device.

To apply for a mobile card for iPhone or cancel your existing mobile card, please contact:

  • HSBC Premier customers call (852) 2233 3322
  • HSBC Advance customers call (852) 2748 8333
  • Other customers call (852) 2233 3000

You need to set up Mobile Payments using your new NFC SIM card. For some operators, your RewardCash will be cancelled. Please remember to use your RewardCash on your mobile card before changing your NFC SIM card.

As long as you are using the same NFC SIM card, you can reactivate your card through the Mobile Payments app. You will need to log on to Personal Internet Banking with your Security Device to verify your identity. Follow the instructions to complete the reactivation.

As long as you are using the same NFC SIM card and an eligible plan from a designated mobile network operator, you can carry on using Mobile Payments.

Mobile Payments will be cancelled together with your mobile service. Please remember to use your RewardCash on your mobile card before you terminate your service. For extra security, we recommend that you destroy your NFC SIM card once you have terminated your mobile service.

If you switch your mobile service to another mobile network operator, your Mobile Payments will be cancelled together with your old mobile service.

Please remember to use your RewardCash on your mobile card before you switch to your new mobile network operator.

You will have to apply for Mobile Payments again with a new NFC SIM card after your new mobile service commences.

For security, we recommend that you destroy your old NFC SIM card once you have terminated your old mobile service.

This procedure will be the same whether you keep your existing mobile phone number or change to a new mobile phone number.

No one can make transactions as long as you take your NFC SIM card out of your phone and keep it with you. We recommend that you delete the HSBC Mobile Banking app from your mobile device before you trade in or send it for repair or servicing.

No. You can reinstall the HSBC Mobile Banking app and start making Mobile Payments, as long as you have the NFC SIM card.


Mobile Payments for iPhone Users

see Mobile Payments for Android users

Yes. To use HSBC Mobile Payments you need to be an HSBC Bank customer with an HSBC Visa credit card issued in Hong Kong.

If you’re not yet an HSBC credit card holder, it’s easy to apply online. Just visit here for more details.

No. The applicable fee(s) for Mobile Payments will be waived until further notice.

No. You can choose to use Mobile Payments on either your Android device or your iPhone, but not on both.

No. The two mobile devices use different operating systems. You will need to cancel the mobile card on your old mobile device and replace it with a new mobile card for your new mobile device.

Remember to use the RewardCash you have on your old card before replacing it.

To cancel your mobile card in your old mobile device, please contact:

  • HSBC Premier customers call (852) 2233 3322
  • HSBC Advance customers call (852) 2748 8333
  • Other customers call (852) 2233 3000

No. If you cancel your corresponding HSBC plastic credit card, your Mobile Payments service will also be cancelled.

We strongly advise you not to use HSBC Mobile Payments or the HSBC Mobile Banking app on non-secure devices - as they're not guaranteed to be secure, trustworthy and virus-protected.


Application / Activation / Service

You can apply for Mobile Payments via the HSBC Mobile Banking app, through HSBC Personal Internet Banking or by downloading an application form from the HSBC website. You’ll be guided through the application process.

To use Mobile Payments you need to:

  1. hold an HSBC Visa credit card
  2. download the latest HSBC Mobile Banking app
  3. have an eligible mobile device

HSBC Mobile Payments uses Near Field Communication (NFC) technology so you will need an NFC-enabled phone sleeve for your iPhone to make payments.

When your application for HSBC Mobile Payments has been approved, the phone sleeve will be sent to your correspondence address (Hong Kong region only) by Post Office courier.

If you have an overseas statement address your application for HSBC Mobile Payments won’t be processed.

Usually around 9 working days (but may take longer subject to stock availability) after your application has been approved.

Yes, you need to activate your phone sleeve by calling the hotline on (852) 3163 0688.

To set up Mobile Payments, download the HSBC Mobile Banking app and follow the setup instructions.

This is a problem with charging iPhone 5 and iPhone 5S via the phone sleeve’s Micro USB connector. The problem is resolved by upgrading your iPhone to iOS version 7.0 or above.

You cannot sync with iTunes when the phone sleeve’s Micro USB cable is connected. Apple suggests that you set up Wifi Sync to synchronise with iTunes.


Making Payments

Yes, if the retailer accepts Visa payWave.

However, there are a small number of merchants in the US where their Visa payWave terminal is magnetic stripe based and is incompatible with HSBC Mobile Payments. You are advised to bring your HSBC plastic card with you for travel in case your mobile card is not accepted.

No. You do however need an internet connection during setup and updates.

The transaction limit depends on the setting of the payment terminal. For some applicable payment terminals, you can make payments up to credit limit upon successful verification of your Mobile Payments PIN. For other payment terminals, each contactless transaction is limited to HK$500 or HK$1,000, depending on the version of the iPhone sleeve. For transactions that cannot be accepted by Mobile Payments, please use your HSBC plastic card.

Please follow the on-screen instructions to enter your Mobile Payments PIN and tap the payment terminal again.

  • HSBC Personal Internet Banking
  • HSBC Mobile Banking app
  • Your credit card statement
  • Payment screen of HSBC Mobile Payments will show the last transaction made via Mobile Payments

No. Mobile Payments uses Near Field Communication (NFC) technology, so you need an NFC-enabled phone sleeve for your transactions.

A 30-second timer appears when your mobile device is ready to make a payment. You need to complete your payment within 30 seconds. The timer also minimises battery consumption.

Yes. If the transaction hasn't been completed, press 'Home' to stop the payment within 30 seconds.


Mobile Payments PIN

The Mobile Payments PIN is a 6-digit number that the HSBC Mobile Banking app asks you to create during the initial setup process. You need the PIN to see your credit card information.

You can also choose a 'PIN ON' option, so that Mobile Payments will ask for your PIN each time you make a transaction with your mobile device.

For your Mobile Payments security, we strongly recommend that you:

  • always use your PIN for payment
  • be cautious when entering your PIN in a public place

Don't choose obvious numbers for your PIN. Avoid:

  • your ID card number
  • your date of birth
  • personal telephone numbers
  • your phone unlock passcode
  • other easily accessible personal numbers.

If you have disclosed your PIN to anyone else, you should immediately notify the bank in person or by calling our hotline on:

  • HSBC Premier customers call (852) 2233 3322
  • HSBC Advance customers call (852) 2748 8333
  • Other customers call (852) 2233 3000

If you have forgotten your PIN, you can reset your PIN by calling our hotline on:

  • HSBC Premier customers call (852) 2233 3322
  • HSBC Advance customers call (852) 2748 8333
  • Other customers call (852) 2233 3000

From time to time we will ask you to input your Mobile Payments PIN, even if you have selected 'PIN OFF'. This is for your security and to protect the payments you make.


Loss / Replacement / Security Handling

Please notify HSBC immediately on:

  • HSBC Premier customers call (852) 2233 3322
  • HSBC Advance customers call (852) 2748 8333
  • Other customers call (852) 2233 3000

Call your mobile network operator or check your mobile device manufacturer's website- they can advise you about remotely locking or wiping your mobile device.

iPhone 4 and iPhone 4S use the same model of phone sleeve while iPhone 5 and iPhone 5S use the same model of phone sleeve. If your phone sleeve is compatible with your new iPhone. You can connect your phone sleeve to your new iPhone.

After entering your PIN to verify yourself, your new iPhone is ready for payment. Your phone sleeve will remain inactive until you have successfully entered your PIN.

If you are switching to an eligible Android device and using the mobile service provided by a designated mobile network operator, you can apply Mobile Payments using your new mobile device after you have cancelled your existing mobile card with your iPhone.

Anyhow, we recommend you to delete HSBC Mobile Banking app from the old mobile device.

If you need a different model of phone sleeve or cancel your existing mobile card, please contact:

  • HSBC Premier customers call (852) 2233 3322
  • HSBC Advance customers call (852) 2748 8333
  • Other customers call (852) 2233 3000

No one can make transactions as long as you keep your phone sleeve with you. We recommend that you delete the HSBC Mobile Banking app from your mobile device before you trade in or send it for repair or servicing.

No. You can reinstall the HSBC Mobile Banking app and start making Mobile Payments, as long as you have the phone sleeve and your PIN. Once you have successfully entered your PIN, your new phone is ready for payment.

You can at your discretion return your inoperable or used phone sleeve to the Bank for secure disposal. Please send the phone sleeve to GPO Box.73056. Kowloon Central Post Office.


Rewards

HSBC personal credit cards cardholders are eligible to participate in the RewardCash Programmes. Standalone private label card and iCAN cardholders are not eligible for the programme.

You can earn $1 RewardCash for every HKD250 you spend on a credit card.

For US dollar or Dual Currency Credit Card Renminbi sub-accounts, you'll need to spend US$30 or RMB250 respectively to earn
$1 RewardCash.

Yes, you will earn $1 RewardCash for every HKD250 paid towards your bills online (except bill payment to Inland Revenue Department) using the following cards:

  • HSBC Premier Credit Card
  • HSBC Advance Visa Platinum Card
  • HSBC Visa Signature Card
  • HSBC Platinum Card
  • UnionPay Dual Currency Diamond Credit Card
  • Online bill payments (except charity donations) made by Gold Card will not be issued RewardCash

Yes. To redeem RewardCash, go to Personal Internet Banking.

There are a variety of RewardCash programmes through which you can redeem your rewards. For example, you can redeem exclusive rewards gift items or offset your spending to enjoy instant savings at a range of merchants.

See all the RewardCash programmes

Your monthly credit card statement will tell you when your RewardCash is due to expire. HSBC Premier cardholders and HSBC Advance Visa Platinum cardholders can use their RewardCash up to three years after earning it. For all other cardholders, RewardCash is valid for up to two years.

For more information about the validity of RewardCash, you can refer to the RewardCash Programme Terms & Conditions



Submit supporting documents

If you are an existing HSBC customer with payroll account in HSBC and hold a HK Permanent ID Card, NO supporting document is required. If you would like to set up payroll account before applying for a credit card, please complete "Instruction Form for Setting Up/ Transfer of Salary Autopay".

Other customers, please provide:

  1. Copy of HKID Card. If you are not holder of HK Permanent ID Card, please also provide copy of passport and employment contract with a contract period of at least 12 months from the date of submitting the application.
  2. Latest HK residential address proof within latest 3 months i.e. utility bill/ electricity bill/ bank statement. If you have a permanent residential address, please also provide the permanent residential address proof. (waived for existing HSBC customers)
  3. Income/Asset proof:

a) Regular Income Earner: latest 1 month bank book/statement/eStatement/online transaction history (showing applicant's name, account number and monthly income), or latest 1 month salary slip.

b) Irregular Income Earner/Part-timer: latest 3 months bank book/statement/ eStatement/online transaction history (showing applicant's name, account number and monthly income), or latest 3 months salary slip.

c) Self-Employed: latest tax demand note, or latest 3 months' bank book/statement/eStatement/online transaction history (showing company name, account number and transaction history) and current Business Registration Certificate and proof of ownership of business and previous 2 years Tax Return.

d) Others: latest 3 months bank deposit/ bank book/ statement/ eStatement/ online transaction history in Hong Kong (showing applicant's name, account number and transaction history) or regular monthly rental income credited to applicant's bank account and the signed tenancy agreement.

This allows you to upload supporting documents online. Transfers are confidential and automatically protected using SSL data encryption.

The service helps make applications easier by allowing you to submit your supporting documents 24 hours a day, 7 days a week through the website or Personal Internet Banking.

  • A computer with Internet connection
  • This site is best viewed with Microsoft Internet Explorer 6.0 SP2 or above
  • Optimised for Screen Resolution of 1024 x 768

HSBC employs the latest internet security measure with the adoption of the EV SSL Certificate (Extended Validation SSL Certificate) which will instantly let you know that you're on a genuine HSBC website.

You will see a change to the URL address bar area at the top of your browser when you visit the secure sessions in the HSBC website (indicated by "https://" at the beginning of the URL). The name of the certificate owner (The Hongkong and Shanghai Banking Corporation Limited) will be displayed either on the URL address bar or near the top of the browser. This indicates the successful verification of the site's identity.

The changes will look slightly different depending on the browser you use:

  • Internet Explorer: The URL address bar will turn green with the company and certificate issuer names displayed.
  • Firefox: The name of the company will be highlighted in green inside the URL address bar.
  • Safari: The name of the company will be shown in green near the top right corner of browser.
  • Google Chrome: The URL address bar will turn yellow and display the name of the company.

PDF, JPEG, GIF or TIFF files are accepted. The file size must not exceed 2 MB (a maximum of 10MB for 5 files). The image resolution of supporting document(s) should be 200dpi or above.
The file name should not:

  1. contain any spaces
  2. contain non-English characters
  3. contain special characters (except _.@-+!#[]()~)
  4. exceed 50 characters (including file extension).

You can upload maximum five files each time. The file size must not exceed 2MB for each file.

Yes, you can use this service to submit the supporting document(s) even if you have applied for a credit card or personal loan through an HSBC branch or call centre.

An application reference number will be displayed after you have submitted your application online. You can leave the field blank if you cannot find the application reference number.

It will not affect the application process if you mistyped the application reference number. If you mistyped the HKID or passport number, please resubmit the document once again with the correct HKID and passport number.

No, you cannot cancel the document upload while it is in progress.

You will see a confirmation page listing the uploaded file name(s) of the document(s) if the upload has been successful

Yes, please upload all the documents again as HSBC will not receive the documents if there is any problem with the internet connection during the upload process.


Cash Instalment plan

No. You can withdraw money from your HSBC credit card account to your designated HSBC personal bank account with no supporting documents.

You can request a minimum of HKD2,000 and a maximum equal to 100% of your unused credit limit on your designated HSBC credit card account.

No interest is charged for a Cash Instalment Plan if cardholder makes full repayment of the credit card's statement balance on or before the payment due date of each month; otherwise, interest which is calculated based on the prevailing interest rate applicable to the credit card account will be levied on all the outstanding balances.  Despite no interest being charged, there is personalised monthly handling fee for Cash Instalment Plan and customer can call the application hotline or log on to Personal Internet Banking to enquire your monthly handling fee.


Interest-free Spending Instalment plan

  • Only posted purchase transactions effected with an Eligible Credit Card during the Promotional Period qualify as Eligible Transactions for the Interest-free Spending Instalment Plan. Ineligible transactions include but are not limited to:  Cash advances,
  • Instalment plans,
  • Octopus AAVS,
  • Fees and charges,
  • Withdrawal amount under the Cash Instalment Plan and
  • Casino transactions

You should apply at least 5 working days before the payment due date of the relevant eligible transaction.


Loans

There are many possible reasons to take out a loan, from covering unexpected short-term expenses to spreading the cost of a large purchase over time. For example, you could use a loan for:

  • buying a car
  • paying your tax bill
  • covering temporary costs while moving home
  • going on holiday
  • getting married
  • covering emergency costs
  • buying expensive household items such as appliances


If you decide to take out a loan, it's important to choose the right kind for your needs and to make sure you can afford the repayments.

Most loans ask you to repay a set amount each month, which makes it easy to plan your budget and predict your spending. But if fixed monthly payments don't suit your circumstances, you may choose a loan with flexible repayment options, such as a revolving loan or an overdraft facility.

There are two main things to consider: how much you need to borrow, and how much you can afford to repay.

It is best to borrow only what you actually need and to resist the temptation to add extra borrowing. Remember that your loan does not have to be for a round figure, so you can usually borrow exactly the amount of any large purchase.

When working out your repayments, look at all your other spending. It is unwise to spend more than 30% of your gross monthly income on all your loan repayments put together - with the possible exception of mortgage repayments, which may be up to 50% of your income.

Make sure that you can afford the extra cost of loan repayments without leaving you unable to meet other financial commitments.

A good general rule is not to borrow for longer than the life of the thing you are paying for. For example, if you have an annual expense such as a tax bill then a loan of 12 months or less would be the best choice - otherwise you will still be paying off your first loan when the next year's tax demand arrives.

With careful budgeting, you can balance the amount you borrow with the period of the loan and the amount you can afford to repay each month.

A Personal Instalment Loan allows you to repay the whole loan amount in a regular monthly amount within a fixed repayment period, enabling you to better manage their finances.

A Revolving Credit Facility provides you with a standby revolving credit limit. You can withdraw the loan from the standby credit limit anytime you wish; there is no fixed monthly repayment amount or repayment period.  Interest will only be charged on the withdrawal amount.

Generally the bank needs the following to process a loan application:

  • Hong Kong Identity Card (HKID) (Not required for existing HSBC customers) ; OR working visa / employment contract / employment letter with details on employment period (for applicants who are not holders of HK Permanent ID Card).
  • Either one of the following proof of income documents:
  1. Bank account statements/passbook explicitly showing the credit of monthly salary in the past one month (or three months for irregular income earners1); OR
  2. Bank account statements/passbook showing monthly deposits for the past one month (three months for irregular income earners1) plus recent salary payroll advice dated within three months of application or valid employment letter confirming job title / income details dated within three months of application or valid Tax Demand Note issued by Inland Revenue Department for the last tax year.


HSBC payroll customers with at least one month payroll record (three months for irregular income earners1) immediately prior to the loan application are not required to submit income proof. The Bank, however, reserves the right to request for the same at any time.

1Irregular income earners include customers working on a part-time, commission or profit-sharing basis.

If you find you are unable to keep up the repayments on your loan - for example, if you lose your job or have unexpected new financial commitments - the first step should always be to talk to your bank. There may be a way to make your monthly repayments more manageable, for example, by extending the term of your loan.

A monthly flat rate is one of the methods used to calculate the monthly repayment amount for a loan. Most banks and financial institutions adopt this method to provide a fixed monthly repayment.

The annualised percentage rate is an index of borrowing cost and is calculated on the basis of 365 days or 366 days a year, including interest and all related fees/charges, in accordance with the relevant guidelines of the Code of Banking Practice. APR is used as a way for customers to compare interest rates

The main reason is that different loans carry different amounts of risk for the lender. For example, a loan granted without any security carries a higher risk of the lender losing its money if you are unable to meet the repayments and so will usually carry a higher rate of interest than a secured loan.

Another factor is the amount you borrow. A lender's administrative costs are lower for a single large loan than for several small loans to different borrowers, so a large loan may have a lower interest rate than a small one. Remember to check the amount that you'll pay over the course of the whole loan.

The cost of a loan is calculated by means of an annualised percentage rate (APR), which takes into account the interest rate plus any extra fees or charges to be paid.

Common extra costs include:

  • Service fee
    This is a fee (usually annual) charged by a bank for handling the loan.
    Unauthorised overdraft
    Exceeding your overdraft limit costs you money and the bank will charge you directly.
  • Special administration fee
    For some loans, if you need the money urgently, the bank will make it available within a short period and will charge the relevant fee for doing so.
  • Interest on overdue repayments
    If you fall behind on your loan repayments, you will be charged interest on the amount overdue, either at a fixed rate or at the prevailing rate. This is charged on a daily basis, so it is wise to keep up the repayments.
  • Application fees
    Some loans require a fee for the application, which is a one-time payment at the beginning of the repayment period.
  • Early repayment fees
    In some cases, if you wish to repay a fixed loan earlier than the agreed term, you will have to pay an extra fee to compensate for the interest lost by the bank.

The APR should not be your only consideration when choosing a bank for your loan. Other things to consider include:

  • the reputation of the bank
  • convenience - are you able to manage your loan in a branch, online, or on the phone? What are the bank's opening hours?
  • other services available to customers

You can apply online for the following HSBC loans:

  • Mortgage
  • Personal Instalment Loan
  • Personal Instalment Loan Redraw
  • Revolving Credit Facility
  • Personal Tax Loan (only available during the tax loan promotional period)

Overdrafts must be applied for in a branch. For loans where you can apply online, online applications will be processed in the same way as those received at a branch.

You can check your balance online for these loans:

  • Mortgage
  • Personal Instalment Loan
  • Revolving Credit Facility
  • Personal Tax Loan


Overdrafts

An overdraft is a ready credit facility that offers you extra cash whenever you need it, and for whatever purpose. Overdrafts provide you with the flexibility of funds when you need it most. There are several types of overdraft facility, see all overdrafts from HSBC

Generally the bank needs the following for processing a clean credit application:

  • Hong Kong Identity Card (HKID) (Not required for existing HSBC customers); OR working visa / employment contract / employment letter with details on employment period (for applicants who are not holders of HK Permanent ID Card).
  • Either one of the following income proof documents:
    1. Bank account statements/passbook explicitly showing the credit of month’s payroll record (three months’ for irregular income earners1); OR
    2. Bank account statements/passbook showing monthly deposits for the past one month (three months for irregular income earners1) plus recent salary payroll advice dated within three months of application or valid employment letter confirming job title / income details dated within three months of application or valid Tax Demand Note issued by Inland Revenue Department for the last tax year.


HSBC payroll customers with at least one month payroll record (three months for irregular income earners1) immediately prior to the overdraft application are not required to submit income proof. The Bank, however, reserves the right to request for the same at any time.
1 Irregular income earners include customers working on a part-time, commission or profit-sharing basis.

For secured credit application, there is no required document given the credit limit is secured against your assets

For clean credit application, if you are an existing HSBC customer with a payroll account at HSBC and hold a HK Permanent ID Card, no supporting document is required. The Bank, however, reserves the right to request these at any time.


Mortgages

You will normally need to provide the following documents when you submit your mortgage application.

For application under individual name(s)

  • Hong Kong ID Cards or passports of all borrowers (and guarantors, if any)
  • For a newly purchased property:
    • Provisional or Formal Sale & Purchase Agreement
  • For refinancing an existing mortgage against a property you already own:
    • repayment records from your existing mortgagee bank showing the last three month's payments, AND;
    • the repayment schedule for your existing mortgage, AND
    • address proof for self-occupancy, if applicable
  • Bank statements showing your salary deposits for the last three months
  • Proof of your employment, which could be:
    • your latest tax demand note, OR;
    • your latest employer's tax return note, OR;
    • other income proof documents issued by your employer.

For an application under the name of a shell company

  • Hong Kong ID Cards or passports of all guarantors
  • For a newly purchased property:
    • Provisional or Formal Sale & Purchase Agreement
  • For refinancing an existing mortgage against a property you already own:
    • repayment records from your existing mortgage lender showing the last three months' payments,  AND;
    • the repayment schedule for your existing mortgage, AND
    • address proof for self-occupancy, if applicable
  • Bank statements showing each guarantor's salary deposits for the last three months
  • Proof of each guarantor's employment, which could be:
    • the latest tax demand note, OR;
    • the latest employer's tax return note, OR;
    • other income proof documents issued by the guarantor's employer.
  • Business Registration Certificate or Certificate of Incorporation of the shell company
  • Minutes of meeting approving the mortgage application and indicating mortgagee bank, property address and loan amount

There is an application fee of 0.15% of the loan amount, which is paid when you accept our offer of a loan. This fee will be refunded to your mortgage loan repayment account after you draw down the loan.

You may use the Mortgage Calculator to understand how much you will be able to borrow. This calculation is for illustration and your reference only.

Yes, you can choose a solicitors' firm to advise you on the mortgage.

However, if you would like the same firm of solicitors to act for both you and the Bank, the firm you have chosen must be agreed by the Bank, otherwise they will not be able to act for the Bank as well, and we will need to appoint another firm of solicitors to act for the Bank.

Please also note that you need to bear the legal cost for the mortgage transaction. If there are two different firms of solicitors acting for you and for the Bank, you will need to bear the legal costs of both firms of solicitors and accordingly, the legal cost for such arrangement may be higher than using just one firm of solicitors agreed by the Bank to represent both parties.

Yes, it is your responsibility to arrange fire insurance against fire risk and allied perils. There may be a master policy already in place for your property, please check with your estate's management company to find out more.

Yes, you can choose your own fire insurance provider agreed by us.

Mortgage repayment options include:

  • monthly or fortnightly repayment frequency
  • fixed instalment amount or fixed loan tenure
  • straight-line or step-up repayments


Contact HSBC branch for details of the options available for your mortgage.

To change the amount or frequency of your mortgage repayments, please contact HSBC branch. There may be a charge for making this change: see the prevailing Bank tariff guide for HSBC Retail Banking and Wealth Management Customers for details.

To change your mortgage plan, contact HSBC branch to check your eligibility for other mortgage plans. There may be a charge for making this change: see the prevailing Bank tariff guide for HSBC Retail Banking and Wealth Management Customers for details.

To arrange early repayment of your mortgage, contact HSBC branch. There may be a charge for early repayment: see the latest Bank tariff guide for HSBC Retail Banking and Wealth Management Customers and your mortgage facility letter for details.

If the charges in the Bank tariff guide are different from the mortgage facility letter, the mortgage facility letter will prevail.

Consider it if …

  • you are not residing in Hong Kong while you purchase a Hong Kong property
  • you have reserved extra fund for higher downpayment as the Loan-to-Value ratio may be lowered if your income is mainly derived from outside Hong Kong
  • you are aware of and have prepared sufficient fund for additional government tax (including stamp duty) payment and/or other taxation arrangement (if applicable) which applies to non-resident buying a Hong Kong property
  • you understand the potential risk of buying a Hong Kong property while you are not residing in Hong Kong, such as change of taxation and housing policy

Not consider it if …

  • you have not prepared extra fund for downpayment when the Loan-to-Value ratio may be lowered due to your income mainly derived from outside Hong Kong
  • you have not arranged fund for additional government tax (including stamp duty) payment and/or other taxation arrangement (if applicable) which applies to non-resident buying a Hong Kong property
  • you are not willing to take the potential risk of buying a Hong Kong property while you are not residing in Hong Kong, such as change of taxation and housing policy

Highlights for your best interest

  • You should be aware of the potential risk if you apply a non-resident mortgage for a property locating in Hong Kong. For example, fluctuation of property price, government tax and housing policy for non-Hong Kong residents from time to time, and the lowering of Loan-to-Value ratio for mortgage loan
  • We will assess your application by making reference to credit report from a credit reference agency "TransUnion Limited", your income proof, other information submitted where applicable as well as the guideline of the Hong Kong Monetary Authority
  • To ensure your understanding on your obligation and commitment during the mortgage period, please note and agree all terms and conditions stated in the mortgage loan facility letter including but not limited to the mortgage interest rates, frequency of payment, repayment amount, number of installment and full/partial prepayment term
  • Whenever you face financial difficulty in mortgage repayment, an overdue/default interest, on top of normal interest, will be levied. If your payment cannot be resumed to normal, we reserve the right to repossess your property to settle the outstanding mortgage loan amount
  • To protect your property from depreciation caused by structural damage resulting from disaster during the mortgage loan period, you are required to arrange fire insurance with an insurance company acceptable by us to provide coverage for replacement cost to reduce the potential loss
  • To minimize any unfortunate events affecting your home contents and your ability to repay the mortgage, you could contact us to understand more on related protection

MPF