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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(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 (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(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 Hong Kong Dollar savings account is HKD2,000, 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.

If the first repayment date specified by you is more than one month from the date of drawdown, daily deferred interest on the approval loan amount will be charged.

After approval, we will provide a confirmation letter to advise that the respective loan amount has been credited to the designated repayment account. You can also check the transaction history of the repayment account via Personal Internet Banking. For enquiry, please contact our customer service hotline.


Renminbi services

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

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 Transfers – Hong Kong 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 transfer to non-registered account, the maximum daily transfer limit is HKD400,000. This limit is shared by Phonebanking, Internet Banking, local ATM and overseas ATM. The maximum sub-limit for Phonebanking, local ATM and overseas ATM are HKD50,000 respectively, and HKD400,000 for HSBC Internet Banking.

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 transfer to non-registered account, the maximum daily transfer limit is HKD400,000. This limit is shared by Phonebanking, Internet Banking, local ATM and overseas ATM. The maximum sub-limit for Phonebanking, local ATM and overseas ATM are HKD50,000 respectively, and HKD400,000 for HSBC Internet Banking.

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
Waived
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 HKD100.

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.

Learn how to Set-up a Payee for Overseas Money TransfersOpens in a new Window.

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 registered account transfer limit, you can do so via 'View and Maintain Registered Transfer Accounts' under 'Maintain My Details' after logging on to Personal Internet Banking.
If you want to raise your registered account transfer limit, you can do so via 'View and Maintain Registered Transfer Accounts' after successful transaction signing with your PIN-protected Security Device; or you can 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 set up autoPay instructions no matter the recipients maintain accounts with HSBC or not.

To set up an autoPay to someone not in the pull down menu, select “Others Beneficiary, please specify…” in Category box. Then choose the bank code and enter the recipient’s bank account number and name.


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.

Banking

  1. HSBC Premier account eStatement
  2. HSBC Advance account eStatement
  3. SmartVantage account eStatement
  4. Current account eStatement
  5. SuperEase account eStatement
  6. Foreign Currency Current Account eStatement
  7. RMB Savings Account eStatement
  8. Cash Card Account eStatement
  9. University Student Account eStatement
  10. HK Dollar Statement Savings Account eStatement
  11. CombiNations Statement Savings Account eStatement
  12. Consolidated eStatement for Savings Account
  13. Revolving Credit Facility eStatement
  14. Monthly HIBOR-based Mortgage Plan Repayment eAdvice
  15. Time deposit maturity eAdvice
  16. Inward remittance eAdvice
  17. Inward interbank fund transfer eAdvice
  18. Outward interbank fund transfer eAdvice
  19. Confirmation for credit transaction eAdvice
  20. Confirmation for debit transaction eAdvice
  21. Interest rate change eAdvice
  22. Outward Remittances eAdvice
  23. Outward Remittances Charges eAdvice
  24. Cheque Purchase eAdvice
  25. Cheque for Collection - Credit eAdvice
  26. Time Deposit Interim Interest Payment eAdvice
  27. Time Deposit Placement Confirmation eAdvice
  28. Time Deposit Change of Maturity Date eAdvice
  29. Autopay Instruction Confirmation eAdvice
  30. Unauthorised Overdraft eAdvice
  31. Unauthorised Overdraft Charge eAdvice
  32. Unpaid Standing instructions Warning Letter eAdvice
  33. Super Ease Reminding eAdvice
  34. Returned Cheque eAdvice
  35. Summary listing of deposits and withdrawals eAdvice
  36. Internet Banking Registered Transfer Account eAdvice
  37. Mortgage Account Quarterly eStatement^
  38. Reminder on inactive account eAdvice
  39. Reminder on reactivation of inactive passbook savings account eAdvice
  40. Reminder on reactivation of inactive account eAdvice
  41. Handling of inactive passbook savings account eAdvice
  42. Inactive passbook savings account closure eAdvice

Investments

  1. Investment services/Securities account - composite eStatement *#
  2. Margin FX trading account eStatement
  3. Securities purchase and sales eAdvice * #
  4. Corporate Action eAdvice *#
  5. Risk Profiling Questionnaire eReport

Cards

  1. Credit card eStatement +
  2. Credit Card Activation eAdvice
  3. Credit Card Overlimit Opt-out Arrangement eAdvice
  4. Credit Card Credit Limit Increase Notification eAdvice
  5. Credit Card Standing instruction set up eAdvice
  6. Credit Card Credit Balance Transfer eAdvice

Note:
* Due to regulatory requirements, for investment related eStatements and particular eAdvices, you can view via HSBC Internet Banking and receive them in your designated email address protected by password.
# Particular purchase and sales advice, Corporate Action advices and certain investment statements (e.g. securities margin trading statements) will be delivered to you in paper.
+ For green cardholders with our internet banking profile, you can view your eStatement via HSBC Internet Banking. Otherwise, it will be sent to your designated email address protected by password.
++ "Personal Integrated Account" is also named as 'SmartVantage'; Personal Integrated Account and SmartVantage are used interchangeably in customer communications including account statement, bank forms / advices, internet banking platform etc.
^Effective from 1 Mar 2017.

More eStatements and eAdvices will be made available by phases at a later stage.

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.

The password will be a 9-digit password containing:

Part 1 -The last digit of your month of birth and last 2 digits of your year of birth
Part 2 -The first 3 alpha numeric characters of your Hong Kong Identity Card (HKID) or passport number
Part 3 -The last 3 digits of your mobile phone number provided for our record

Password example
Date of birth: 17 / 12 / 1985
HKID number: A123456(7)
Mobile phone number: 98785432

Your password for the first time log in will therefore be: 285 A12 432

For security reasons, we will request you to change this password when you first logon to the system to view your eStatement / eAdvice.

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

Please note that you can access eCorrespondence previously sent to your email address using the latest Password.

Please note that eStatement / eAdvice may not be displayed properly in certain smartphone or tablet, e.g. iPhone and iPad. We recommend viewing eStatement / eAdvice using PC or laptop.

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.

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".

Please follow the steps in the email cover to view the eStatement and eAdvice.

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 2013. The use of paper statements for Personal Banking Hong Kong Dollar Current, SuperEase, HSBC Premier, HSBC Advance, SmartVantage, University Student, Cash Card, Renmibi Savings, Hong Kong Dollar Statement Savings, CombiNations 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 in the first quarter of the following year 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 2016. 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.

The maximum daily transfer limit is HKD 400,000 . This limit is shared by all the available channels(the maximum daily transfer sub-limit for Phone banking, local ATM and overseas ATM are HKD50,000 respectively, and HKD400,000 for HSBC Internet Banking).

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 (852) 2233 3322 for HSBC Premier customers, (852) 2748 8333 (852) 2748 8333 for PowerVantage customers, (852) 2233 3000 (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.

e-Cheque Services

e-Cheque is issued and presented in digital form therefore the entire process works electronically. You can manage e-Cheque by log on to HSBC Internet Banking, via HSBC public website, or through the "e-Cheque Drop Box" on the HKICL website (HK Interbank Clearing Ltd).

Upon receipt of an e-Cheque, you (as Payee) can upload (deposit) the e-Cheque file through any of the following channels:

  • log on to HSBC Internet Banking
  • via the "e-Cheque Deposit Box Service" on HSBC's website
  • via the "e-Cheque Drop Box" on the HKICL website (HK Interbank Clearing Ltd).

Please watch the demo for instruction to deposit your e-Cheque

Yes. You can continue to use paper cheques, e-Cheque will not replace paper cheques.

You can stop an e-Cheque using the stop e-Cheque function under “e-Cheque Issuance Status Summary” within HSBC Internet Banking.

If the e-Cheque has not yet given to the payee, you should delete the e-Cheque file and issue a new e-Cheque. If the e-Cheque has been given to the payee, we suggest you to stop the e-Cheque via HSBC Internet Banking immediately.

More educational materials are available at the following website (http://www.hkma.gov.hk/eng/key-functions/international-financial-centre/infrastructure/retail-payment-development.shtml)

e-Cheque Deposit

All customers who have eligible savings accounts or current accounts are eligible to use the e-Cheque Deposit Service.

e-Cheque issuance

HSBC Internet Banking customers who have eligible HKD/CNY/USD current accounts are eligible to use the e-Cheque Issuance Service.

You could find detailed tariff information on HSBC’s public website and HSBC Internet Banking FAQ section.

All e-Cheques must be issued as non-negotiable and must be sent to the account payee only.

Bank-Cert is issued by Hongkong Post. It is an electronic certificate used by customers to support digital signing, which will ensure the integrity, authenticity and non-repudiation of a signed e-Cheque.

Bank-Cert is free of charge for HSBC customers. It is valid for 1 year from the date of registration. If your Bank-Cert has not been idled for over 1 year, it will be auto-renewed.

If your deposit instruction is received by us before the cut-off time, the funds of the e-Cheque will be made available in the next working day after clearing. If the deposit instruction is received after the cut-off time, the funds will be ready for use after clearing at 2 working days after the date of your deposit.

You cannot print an e-Cheque and deposit it as a paper cheque because e-Cheque is a digitally-signed-document which cannot be verified in a hard copy.

There is no daily limit for the number of issued e-Cheques, but the amount of issued e-Cheques is subject to your daily transfer limit of non-registered accounts via Personal Internet Banking.

Yes. You can issue a post dated e-Cheque up to 90 days.

Yes, you can check the status of the issued/deposited e-Cheque via “e-Cheque Status Summary” page on HSBC Internet Banking.

Issuance:

Monday – Sunday except 00:00 to 06:00 every Sunday (HKT)

Deposit:

Deposit Table
Via HSBC Internet Banking
Operation hour Monday – Sunday except 00:00 to 06:00 every Sunday (HKT).
Cut-off Time 19:00 Monday – Sunday
Any e-Cheque deposit after the cut-off time will be processed on the next working day.

Stop:

0200 – 22:00(Monday – Sunday), except 00:00 to 06:00 every Sunday (HKT)

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

You need to use Adobe Acrobat Reader to open the e-Cheque PDF file. After open it, a message will be displayed to show the e-Cheque has a valid certificate from both the payer and the bank.

If the certificate is invalid, please download the latest Adobe Acrobat Reader and load the latest trusted certificate from Adobe server (Adobe Reader -> Edit -> Preferences -> Trust Manager).

If the problem still exists, please refer to the drawer of the e-Cheque.

The e-Cheque is under clearing process and will not accept any stop request. If you need urgent help, please call (852) 2233 3322 for HSBC Premier customers, (852) 2748 8333 for HSBC Advance customers, (852) 2233 3000 for other customers.

The wording inside the e-Cheque PDF may not be displayed properly if you download it via mobile devices. Therefore, we suggest you to use desktop /laptop computer to enjoy the e-Cheque services.

Yes, you can issue HKD/USD e-Cheque and present it to the banks in Guangdong Province and Shenzhen subject to acceptance of deposit bank. If you are a Hong Kong resident, you could also issue RMB e-Cheque and present it to the banks in Guangdong Province and Shenzhen subject to acceptance of deposit bank. Same as paper cheque, there are some constraints on RMB e-cheque presented in Guangdong Province and Shenzhen.

For Hong Kong Residents, Cheque (including e-Cheque and paper cheque) in RMB are subject to the same restriction.

Cheque presented in Guangdong Province and Shenzhen

  • Up to RMB80,000 amount for each cheque
  • RMB cheque cross border settlement to pay for the acquisition of consumer goods and/or services within Guangdong Province (including Shenzhen) is up to a daily accumulative payment limit of RMB80,000 (applies to paper cheque and e-Cheque)
  • Subject to acceptance of deposit bank

Cheque presented in Hong Kong

  • Same as HKD and USD cheque, no limit on cheque amount and daily settlement for paper cheque, but the amount of issued e-Cheque is subject to your daily transfer limit of non-registered accounts via Personal Internet Banking.

You could find the information in below link or contact the target deposit bank for clarification.

Guangzhou: https://echeque.gzebasc.cn/
Shenzhen: https://cust.szfesc.cn/

The cheque cross border settlement limit are shared amongst e-Cheque and paper cheque issued by the same customer.

No. RMB e-Cheque issued by non-Hong Kong residents are for use in Hong Kong only and are not for use in the Mainland China.

To obtain approval from the relevant Mainland authorities, we recommend the issuer to provide the payee bank account number and payment purpose on the e-Cheque. Charges may be involved should the e-Cheque be rejected by the Mainland authorities or Mainland banks.

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 Security Device
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 30 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.jpgimage_faq_securekey_not-safe-20150807.jpg image_faq_securekey_not-safe-20150807.jpgStatus: PublishedCreated: 8/7/15 3:05:00 AM GMT by CN=43884863,OU=HSBCPeople,DC=InfoDir,DC=Prod,DC=HSBCLast Modified: 8/12/15 2:45:28 AM GMTLocation: pws / personal / assets / images

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 30 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:

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 (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:

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:

Mobile Security Key


General Information about Mobile Security Key

Mobile Security Key is equivalent to the physical Security Device. Both provide extra protection for your accounts and transactions. Mobile Security Key is a feature within the HSBC HK Mobile Banking app and is used to generate a unique, one-time use security code in order to log onto Personal Internet Banking and access to full range of Personal Internet Banking services. It also makes logging on to the HSBC HK Mobile Banking app quicker and easier.

Mobile Security Key has been designed to work as part of the HSBC HK Mobile Banking app on supported operating systems and devices. It can be used as a replacement for your physical Security Device. It means you do not need to carry a physical Security Device with you, and offers a more convenient way to access our full range of online banking services. Also, the Mobile Security Key can only be used on your chosen smartphone. This provides you with an additional level of security.

Mobile Security Key is stored in the HSBC HK Mobile Banking app. If you have a compatible smartphone, you won’t have to carry an additional physical Security Device with you to access our full range of online banking services. If you use the HSBC HK Mobile Banking app, Mobile Security Key will make logging on to the HSBC HK Mobile Banking app quicker and easier.

Once you have downloaded the HSBC HK Mobile Banking app on your mobile device, you can log on and select "Mobile Security Key" from the settings menu. Please note that you need to have a valid and up-to-date mobile phone number and email address in our records in order to activate the Mobile Security Key.

For security reasons, your Mobile Security Key can only be registered to one device at a time. If you would like to change the mobile device which your Mobile Security Key is linked to, simply log on to the HSBC HK Mobile Banking App with your new mobile device and select “Mobile Security Key” from the settings menu. Then select “Switch to this device” and follow the on-screen instructions.

HSBC HK Mobile Banking app is supported on Apple and Android™ devices, including tablets running the latest operating systems. However, the design of the app is optimized for certain models only.

To maintain the security and integrity of your accounts, only one Security Device can be activated at a time and owned by one customer. You can choose either a physical Security Device or a Mobile Security Key.
The physical Security Device has been designed in a way that it is small enough to carry in a wallet or purse with your cards or attach to a key ring.
The Mobile Security Key is accessed through the HSBC HK Mobile Banking app so you won’t need to carry a physical Security Device with you.

Before you discard your mobile phone, you’ll need to deactivate your Mobile Security Key, which you can do via the HSBC HK Mobile Banking app Settings menu.
If you have got a new mobile phone but still have the old one, you can switch your Mobile Security Key from the old device to the new one if Mobile Security Key has not been deactivated from your old device. Download the HSBC HK Mobile Banking App on your new mobile device and select "Mobile Security Key" from the settings menu. You will be asked to generate a security code from your old device and input onto your new device for activation.
We recommend that you also reset your old device to factory settings after deactivation.
If you do not have your old phone, then you will need to call us to deactivate the Mobile Security Key on the old device for you. You will need to activate Mobile Security Key on your new mobile device by selecting “Mobile Security Key” from the settings menu in the HSBC HK Mobile Banking app.

Call us and we will immediately suspend your Personal Internet Banking to prevent anyone else from accessing your account.

Touch ID

Touch ID is an easy alternative to using your Mobile Security Key password. It allows you to log on and authorise transactions in the HSBC HK Mobile Banking app using just your fingerprint.

Face ID

Face ID offers a simple, secure and faster way to access the HSBC HK Mobile Banking app using your facial map stored on your iPhone X. It acts as an easy alternative to using Mobile Security Key password for iOS device users.

Android™ Fingerprint ID

Android™ Fingerprint ID is an easy alternative to using your Mobile Security Key password for Android™ device users. It allows you to log on and authorise transactions in the HSBC HK Mobile Banking app using just your fingerprint.


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.

While some overseas PLUS network ATMs can access your bank account through your linked credit card, others will only be able to access your Visa or MasterCard credit card information. In that case, you would end up withdrawing cash from your credit card account and incur a cash advance fee. To enable you to operate both Hong Kong dollar savings and Hong Kong dollar current accounts overseas, the UnionPay ATM chip card is linked to your integrated Hong Kong dollar savings account while the PLUS ATM chip card is linked to your integrated Hong Kong dollar 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.

Android Pay

Android Pay is one of the Mobile Payments solutions available to HSBC personal card cardholders. It provides a simple and secure way to pay using your compatible Android devices. Choose your device and add your HSBC credit card to Android Pay app to make transactions with your Android device in stores or in app.

By creating a unique virtual account number for your payment information, your name and full card details are never shown in the app and never shared with the store. Google stores your payment information on secure servers and encrypts it with industry-standard SSL (secure socket layer) technology. For added security, you will be asked to unlock your device for certain payments from time to time. If your phone is ever lost or stolen, you can easily find, lock, or erase your phone using Android Device Manager (https://www.google.com/android/devicemanager).

To protect your card, keep your device under your personal control at all times. Depending on the model of your device, you may be able to turn off the NFC function when you are not using the Mobile Credit Card. If you have lost your device along with your Mobile Credit Card, please report to the bank using the telephone numbers on the back of your HSBC Credit Card as soon as possible.

Android Pay works with most NFC capable Android? devices running Android 4.4 (KitKat?) or higher.

Any of the below personal HKD HSBC Visa and MasterCard credit cards are eligible for Android Pay: HSBC Premier MasterCard Credit Card, Visa Signature Card, HSBC Advance Platinum Card, Visa Platinum Card, green Credit Card, Visa Gold Card, Visa Card, iCan Card, Master Gold Card and Master Card.

You must have the below to use Android Pay:


1) An NFC capable Android? devices running Android 4.4 (KitKat?) or higher;

2) The Android Pay app downloaded from Google Play Store. If the phone is not compatible, you will not be able to download Android Pay;

3) An eligible HSBC credit cards as below:

HSBC Premier MasterCard Credit Card, Visa Signature Card, HSBC Advance Platinum Card, Visa Platinum Card, green Credit Card, Visa Gold Card, Visa Card, iCan Card, Master Gold Card and Master Card.


With the above, you can proceed to add a card to Android Pay app to enjoy simple and secure way to pay.

To add your card to Android Pay, just complete the simple steps for your compatible device as below:


1) Open the Android Pay app on your device.

2) Click "Add Card" and use the camera of your device to capture your card details, then enter other information manually when prompted.

3) Use the one-time verification code for authentication and your HSBC card is ready to use with Android Pay.


If you have registered your card in Google account, your device will prompt you to input the card’s security code to add that card directly from Google account.


For security purposes, we may ask you to enter a verification code to confirm your identity. If prompted, please follow on-screen instruction to receive and enter the verification code. If you fail to enter the verification code or the verification code is expired, please contact us on 2233 3000. HSBC Premier and HSBC Advance customers can call 2233 3322 and 2748 8333 respectively.

Yes, additional cardholders can apply for Android Pay using their additional cards. If your additional cardholder applies for the Android Pay successfully, both you and your additional cardholder will receive an email confirmation on the service. The use of Android Pay will be governed by a new mobile credit card addendum to credit card cardholder agreement which will need to be accepted during service application.

No, your Android Pay and your HSBC plastic card share the same card account. Your Android Pay will be cancelled together with the plastic card.

No. Android Pay can only work on device which is not rooted.

HSBC will not charge you any additional fee for using Android Pay.

You can use Android Pay in stores with Visa payWave or MasterCard contactless payment terminals. You can also make in-app purchases where Android Pay is provided as a payment option.

Yes, you can use Android Pay overseas in the stores with Visa payWave or MasterCard contactless payment terminals. You are advised to bring your HSBC plastic card with you for travel in case Android Pay is not accepted.

Internet access is required during setup or to refresh the information of your past transactions.

In most circumstances you do not need internet connection to transact using Android Pay. However, occasionally you may be required to connect to the internet, for example after a device restart.

Transaction limit depends on the setting of the contactless terminal. For some of the contactless terminals, there is no transaction limit and you can transact up to your available credit limit; for some others, there might be a transaction limit of HK$500 or HK$1,000. Occasionally, your device will prompt you to unlock your device for some of the transactions. Follow the on-screen instruction and hold your device close to the payment terminal. For transactions that cannot be accepted by Android Pay, please use your HSBC plastic card.

You can check all your transactions made via Android Pay in HSBC Internet Banking, HSBC Mobile Banking App or the credit card statement. Transactions via Android Pay will be marked with "ANDROID PAY" under the transaction details. Other than that, you can also see the last 10 Android Pay transactions made via your device under your card in the Android Pay app.

Android Pay transactions are treated the same as the other credit card transactions using the same RewardCash mechanism / policy and thus you can earn $1 RewardCash for every HKD250 you spend on Android Pay.

The first card you add to Android Pay app is your default card. To set your HSBC credit card as default, go to Android Pay app, select the card and tap "Set as default card" Moreover, you can also go to Settings> Google> Android Pay and select your HSBC credit card to make it the default card.

You can call us on 2233 3000 to report loss of your device. HSBC Premier and HSBC Advance customers can call 2233 3322 and 2748 8333 respectively. Alternatively, you can find, lock, or erase your device using Android Device Manager.

To enable the Android Device Manager, the bank suggest you to take these steps in advance:

1) Sign in to your Google account on your device in order to use the Android Device Manager

2) Turn on the location access under Settings > Location

3) Under Settings > Security > Android Device Manager, move the switches next to 'Remotely locate this device' and 'Allow remote lock and factory reset' to the 'On' position


*Different device might have different setting menu

Please call us on 2233 3000 immediately to report loss. HSBC Premier and HSBC Advance customers can call 2233 3322 and 2748 8333 respectively.

Once your plastic card are reported loss, you will not be able to continue to use Android Pay with this card.

If you change my device to a new model, you will need to add your card(s) to Android Pay app again. Please ensure that you remove your card(s) from any device before selling, repairing, or disposing of them. You can remove your card by selecting "Remove Card" after you tap onto the card.

You are reminded to remove all your cards in that device by selecting “Remove Card” after you tap onto the card. You might also consider removing all your data (including Android Pay’s payment information) by factory reset or suspending your cards by Android Device Manager (https://www.google.com/android/devicemanager).

Apple Pay

Apple Pay is one of the Mobile Payments solutions available to HSBC personal card cardholders. It provides a fast, easy and private way to pay in stores using your compatible iPhone or Apple Watch, and within some apps on your compatible iPhone or iPad. Simply add your HSBC Visa or MasterCard or UnionPay Dual Currency Credit Card to Apple Wallet and you can make payments using Apple Pay.

Apple Pay is a secure way to make payments. When you added your card to Apple Pay, instead of using your actual card numbers, a unique Device Account Number is assigned, encrypted, and securely stored in a dedicated chip (Secure Element) in iPhone, iPad, and Apple Watch. When you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment so your actual card numbers are never shared by Apple with merchants or transmitted with payment. And unlike credit cards, on iPhone and iPad every payment requires Touch ID or a passcode, and Apple Watch must be unlocked - so only you can make payments from your device.

To protect your card, keep your device under your personal control at all times and do not let others to unlock your device and do not store anyone else’s fingerprint or biometric credentials in your device, or else they might be able to make transactions without your authorization.

Apple Pay is currently available on the following devices, with the latest iOS or WatchOS:
In app and in store
iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, and iPhone SE;
In store
Apple Watch when paired with an iPhone 5 or later model;
In app
iPad Pro, iPad Air 2, iPad mini 4, and iPad mini 3.

Any of the below personal HKD HSBC Visa, MasterCard and UnionPay Dual Currency credit card are eligible for Apple Pay: HSBC Premier MasterCard Credit Card, Visa Signature Card, HSBC Advance Platinum Card, Visa Platinum Card, green Credit Card, Visa Gold Card, Visa Card, iCan Card, Master Gold Card, Master Card, UnionPay Dual Currency Diamond Credit Card and UnionPay Dual Currency Credit Card.

You must have the below to use Apple Pay:


1) You must have an eligible Apple device as below:

  • iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPhone SE and later
  • iPad Pro, iPad Air 2, iPad mini4, iPad mini 3, and later
  • Apple Watch paired with your iPhone

2) The latest version of iOS or watchOS

3) An eligible HSBC credit cards as below:

HSBC Premier MasterCard Credit Card, Visa Signature Card, HSBC Advance Platinum Card, Visa Platinum Card, green Credit Card, Visa Gold Card, Visa Card, iCan Card, Master Gold Card, Master Card, UnionPay Dual Currency Diamond Credit Card and UnionPay Dual Currency Credit Card.

4) Set “Hong Kong” as Region in your Apple device


With the above, you can proceed to add a card to Apple Pay to enjoy the fast, easy and private way to pay.

To use Apple Pay, you can directly add your credit card to your compatible Apple device:


For iPhone,

  • Open the Wallet app
  • Tap the plus sign in the upper right corner
  • Select "Next" and use your iSight camera to enter the card information

For Apple Watch,

  • Open the Apple Watch app on your iPhone
  • Tap "Wallet & Apple Pay" and select “Add a Credit or Debit Card”
  • Select "Next" and use your iSight camera to enter the card information

For iPad,

  • Go into Settings
  • Tap "Wallet & Apple Pay" and select "Add Credit or Debit Card"
  • Select "Next" and use your iSight camera to enter the card information

If you have registered your card in iTunes account, your device will prompt you to input the card’s security code to add that card from iTunes account.


For security purposes, we may ask you to enter a verification code to confirm your identity. If prompted, please follow on-screen instruction to receive and enter the verification code. If you fail to enter the verification code or the verification code is expired, please contact us on 2233 3000. HSBC Premier and HSBC Advance customers can call 2233 3322 and 2748 8333 respectively.

Yes, additional cardholders can apply for Apple Pay using their additional cards. If your additional cardholder applies for the Apple Pay successfully, both you and your cardholder will receive an email confirmation on the service. The use of Apple Pay will be governed by a new mobile credit card addendum to credit card cardholder agreement which will need to be accepted during service application.

No, your Apple Pay and your HSBC plastic card share the same card account. Your Apple Pay will be cancelled together with the plastic card.

No. Apple Pay can only work on device which is not “jailbroken”.

HSBC will not charge you additional for using Apple Pay.

You can use Apple Pay in stores with Visa payWave, MasterCard contactless or UnionPay QuickPass payment terminals. You can also make in-app purchases in app where Apple Pay is provided as a payment option.

Yes, you can use Apple Pay overseas in the stores with Visa payWave, MasterCard contactless or UnionPay QuickPass payment terminals. You are advised to bring your HSBC plastic card with you for travel in case Apple Pay is not accepted.

You do not need internet access to make purchases on Apple Pay. However, internet access is required during setup or to refresh the information of your past transactions.

Transaction limit depends on the setting of the contactless terminal. For some of the contactless terminals, there is no transaction limit and you can transact up to your available credit limit; for some others, there might be a transaction limit of HK$500 or HK$1,000. For transactions that cannot be accepted by Apple Pay, please use your HSBC plastic card.

You can check all your transactions made via Apple Pay in HSBC Internet Banking, HSBC Mobile Banking App or the credit card statement. Transactions via Apple Pay will be marked with “APPLE PAY” under the transaction details. Other than that, you can also see the last Apple Pay transaction made via your device under your card in Wallet. For Visa Card or MasterCard, when you tap the "i" button in the bottom right corner, you will see the last 10 transactions.

Apple Pay transactions are treated the same as the other credit card transactions and thus you can earn $1 RewardCash for every HKD250 you spend on Apple Pay.

The first card you add to Wallet is your default card. To set your HSBC credit card as default, go to Wallet, touch and hold your HSBC credit card and drag it to the front of all the cards. Moreover, you can also go to Settings> Wallet & Apple Pay. Tap “Default Card” and select your HSBC credit card to make it the default card.

If your iPhone, iPad or Apple Watch is lost or stolen, you can go to icloud.com or use the “Find My iPhone” app to suspend or permanently remove your card(s) from that device. If your device is turned off or does not connected to a mobile or Wi-Fi network, the action will be processed once it is online again. Alternatively, you can call us on 2233 3000 to report loss of your device. HSBC Premier and HSBC Advance customers can call 2233 3322 and 2748 8333 respectively.

Please call us on 2233 3000 immediately to report loss. HSBC Premier and HSBC Advance customers can call 2233 3322 and 2748 8333 respectively.
Once your plastic card are reported loss, you will not be able to continue to use Apple Pay with this card.

If you change my device to a new model, you will need to add your card(s) to Apple Wallet again. Please ensure that you remove your card(s) from any device before selling, exchanging, or disposing of them. You can remove your card by selecting “Remove Card” after tapping the “i” button in the bottom right corner or go to Settings > Wallet & Apple Pay, tap the card that you want to remove, then tap “Remove Card”.

You are reminded to suspend all your cards in that device via “Find my iPhone” or iCloud.com. You might also consider removing all your cards by selecting “Remove Card” after tapping the “i” button in the bottom right corner or go to Settings > Wallet & Apple Pay, tap the card that you want to remove, then tap “Remove Card”.

Samsung Pay

Samsung Pay is one of the Mobile Payments solutions available to HSBC personal card cardholders. Samsung Pay is a secure and easy-to-use mobile payment service which employs Magnetic Secure Transmission (MST) and Near Field Communication (NFC) technology, making it available almost anywhere accepting credit cards. Add your HSBC credit card to Samsung Pay app to make transactions with your Samsung device in stores or in app.

When you add a card to Samsung Pay, a device specific digital card is allocated by Card Network through tokenization represents your physical card. The digital card is stored and protected in Secure Environment using Samsung Knox technology. Your physical card details are not stored by Samsung Pay. To ensure each payment is authorised by you, you need to authenticate every payment with your Iris, Fingerprint or a Samsung Pay specific PIN.
To protect your card, keep your device under your personal control at all times and do not let others to unlock your device and do not store anyone else’s biometric credentials in your device, or else they might be able to make transactions without your authorization.

Samsung Pay works with Galaxy Note8, Galaxy S8+, Galaxy S8, Galaxy S7 edge, Galaxy S7, Galaxy S6 edge+, Galaxy Note5, Galaxy C9 Pro, Galaxy C7 Pro, Galaxy C5 Pro, Gear S3 and Gear Sport.
* Devices supporting Samsung Pay may update from time to time. Please visit Samsung Pay website for more details.

Any of the below personal HKD HSBC Visa and MasterCard credit cards are eligible for Samsung Pay: HSBC Premier MasterCard Credit Card, Visa Signature Card, HSBC Advance Platinum Card, Visa Platinum Card, green Credit Card, Visa Gold Card, Visa Card, iCan Card, Master Gold Card and Master Card.

You must have the below to use Samsung Pay:

1) You must have an eligible Samsung device:

Galaxy Note8, Galaxy S8+, Galaxy S8, Galaxy S7 edge, Galaxy S7, Galaxy S6 edge+, Galaxy Note5, Galaxy C9 Pro, Galaxy C7 Pro, Galaxy C5 Pro, Gear S3 and Gear Sport.

2) An eligible HSBC credit cards as below:

HSBC Premier MasterCard Credit Card, Visa Signature Card, HSBC Advance Platinum Card, Visa Platinum Card, green Credit Card, Visa Gold Card, Visa Card, iCan Card, Master Gold Card and Master Card.

With the above, you can proceed to add a card to Samsung Pay to enjoy the fast, easy and private way to pay.

* Devices supporting Samsung Pay may update from time to time. Please visit Samsung Pay website for more details.

To add your card to Samsung Pay, just complete the simple steps for your compatible device as below:

  1. Ensure your device is updated to the latest Android version and Samsung Pay app.
  2. Launch the Samsung Pay App. Log in your Samsung Account and set up your Iris, Fingerprint or Samsung Pay specific PIN.
  3. Tap the add button. Scan your HSBC credit card information, or enter the details manually.
  4. Verify your mobile card by using the one-time verification code or calling our contact center.

To add your card to Samsung Pay on your Gear, just complete the simple steps as below:

  1. Launch Samsung Gear App on your paired Android phone (Android OS4.4 and higher with over 1.5GB RAM).
  2. Connect your paired phone to Gear via Bluetooth if it is not already connected.
  3. Tap on "Open Samsung Pay" under info tab.
  4. Tap on "Add Card" shown on the screen to register your card.
    * You will need to register a new Gear PIN lock if you have not set it before.
  5. Scan your HSBC credit card information, or enter the details manually.
  6. Verify your mobile card by using the one-time verification code received via SMS or calling our contact center

Samsung Pay is customized for every region for the best customer experience. If you purchase a Samsung Galaxy mobile device from other regions, you will not able to use Samsung Pay.

For device purchase from Hong Kong and Macau, you will need to install a Hong Kong SIM card to use Samsung Pay.

For security purposes, we may ask you to enter a verification code to confirm your identity. If prompted, please follow on-screen instruction to receive and enter the verification code. If you fail to enter the verification code or the verification code is expired, please contact us on 2233 3000. HSBC Premier and HSBC Advance customers can call 2233 3322 and 2748 8333 respectively.

Yes, additional cardholders can apply for Samsung Pay using their additional cards. If your additional cardholder applies for the Samsung Pay successfully, both you and your cardholder will receive an email confirmation on the service. The use of Samsung Pay will be governed by a new mobile credit card addendum to credit card cardholder agreement which will need to be accepted during service application.

Yes, you can add your card to your compatible device to use Samsung Pay. If you use Android Pay on the same phone, you might need to set the default payment wallet under Settings> NFC> Tap and Pay.

No, your Samsung Pay and your HSBC plastic card share the same card account. Your Samsung Pay will be cancelled together with the plastic card.

No. Samsung Pay can only work on device which is not rooted.

HSBC will not charge you additional for using Samsung Pay.

Samsung Pay can be used at almost any merchants accepting credit card. With the Magnetic Secure Transmission (MST) technology, merchant that does not equipped with contactless card terminal can still accept Samsung Pay.

Yes, With Samsung's technology Magnetic Secure Transaction (MST), Samsung Pay can be used almost everywhere around the globe. You are advised to bring your HSBC plastic card with you for travel in case Samsung Pay is not accepted.

You do not need internet access to make purchases on Samsung Pay. However, internet access is required during setup or to refresh the information of your past transactions. It is suggested that the device should connect to the internet once per day to ensure that Samsung Pay stays up to date.

There will be no limit for transactions conducted using Magnetic Secure Transmission (MST) technology.
For transactions conducted using NFC technology, the limit depends on the setting of the contactless terminal. For some of the contactless terminals, there is no transaction limit and you can transact up to your available credit limit; for some others, there might be a transaction limit of HK$500 or HK$1,000.
For transactions that cannot be accepted by Samsung Pay, please use your HSBC plastic card.

You can check all your transactions made via Samsung Pay in HSBC Internet Banking, HSBC Mobile Banking App or the credit card statement. Transactions via Samsung Pay will be marked with “SAMSUNG PAY” under the transaction details. Other than that, you can also see the last 10 Samsung Pay transactions made via your device under your card in the Samsung Pay app.

Samsung Pay transactions are treated the same as the other credit card transactions using the same RewardCash mechanism / policy. Please refer to RewardCash related webpages for the latest information.

There is not a "default" card setting in Samsung Pay. When you open the app or swipe up, the first card displayed is either the last card you registered or the last card you viewed or used. Please swipe left or right to select your HSBC credit card for payment.

You can call us on 2233 3000 to report loss of your device. HSBC Premier and HSBC Advance customers can call 2233 3322 and 2748 8333 respectively. Alternatively, you can use Samsung’s Find My Mobile service to Lock Samsung Pay (remotely disable) or to Wipe Samsung Pay (remove all the payment cards registered onto your device). You can set up Find My Mobile service by going to Settings> Security> Find My Mobile> Remote Controls. For details please visit https://findmymobile.samsung.com

Please call us on 2233 3000 immediately to report loss. HSBC Premier and HSBC Advance customers can call 2233 3322 and 2748 8333 respectively.
Once your plastic card are reported loss, you will not be able to continue to use Samsung Pay with this card.

If you change your device to a new model, you will need to add your card(s) to Samsung Pay app again. Please ensure that you remove your card(s) from any device before selling, exchanging, or disposing of them. You can remove your card by selecting the card in the Samsung Pay app, then tap "delete card" in the menu at the top right hand corner.

You are reminded to remove all your cards in that device by tapping "delete card" in the menu at the top right hand corner. You might also consider removing all your data (including Samsung Pay’s payment information) by factory reset or using Samsung’s Find My Mobile service to Lock Samsung Pay (remotely disable). For details please visit https://findmymobile.samsung.com


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.

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.

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 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.

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 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 (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 HKD5,000 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 HKD5,000, 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 HKD5,000 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 utilised the secured credit line; interest is calculated daily based on the amount utilised 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 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 six working days. If your application is approved, we'll send out your new credit card within three working days.

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

Late charges
We'll 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, can be found in the 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.

If you choose to settle in the currency of the credit card, then the amount appearing on the transaction slip will be billed to your card account. That amount already includes all the applicable charges and no extra charge will be charged by the Bank. Note that such option is a direct arrangement offered by the overseas merchants or online stores but not the Bank. Since settling foreign currency transactions in the currency of the credit card may involve a higher cost, customers are reminded to make enquiries directly through the merchants or online stores for the foreign currency exchange rates and the percentage of handling fees to be applied before the transactions are settled.

If you choose to settle in the foreign currency, the Hong Kong dollars (for a Hong Kong dollar card) or US dollars (for a US dollar card) equivalent amount will be billed after a currency conversion 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.

Please kindly make enquiry through the online stores at which you are making purchases.

If a foreign currency is billed, then the Hong Kong dollars (for a Hong Kong dollar card) or US dollars (for a US dollar card) equivalent amount will be billed after a currency conversion 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.

If the currency of the credit card is billed, then the transaction amount will be billed to your card account. That amount already includes all the applicable charges and no extra charge will be charged by the Bank. Note that such option is a direct arrangement offered by the overseas merchants or online stores but not the Bank. Since settling foreign currency transactions in the currency of the credit card may involve a higher cost, customers are reminded to make enquiries directly through the merchants or online stores for the foreign currency exchange rates and the percentage of handling fees to be applied before the transactions are settled.

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(852) 2233 3322 for HSBC Premier customers, (852) 2748 8333(852) 2748 8333 for HSBC Advance customers, (852) 2233 3000(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 (852) 2233 3322

HSBC Advance customers
(852) 2748 8333 (852) 2748 8333

Other customers
(852) 2233 3000 (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
  • HSBC Visa Platinum Card
  • UnionPay Dual Currency Diamond Credit Card
  • With effect from 1 November 2016, RewardCash will be awarded only for the first HKD10,000 eligible online bill payments made using an eligible credit card in each monthly statement cycle. Also, online bill payment transactions under bill type of policy loan repayment to insurance companies made with any credit card will no longer be eligible for RewardCash.

Please ask the merchant to cancel the payment first and we suggest you retain any written communication with the merchant. If the merchant refused, please provide a copy of your written cancellation instruction to the merchant and other relevant supporting documents such as sales slip/invoice to us for negotiation with the merchant bank. However, the final outcome will depend on the investigation result.

We will send you an Acknowledgement Letter within 10 working days after receiving your request. We will follow up on the case and will notify you when there is any update.

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

HSBC Premier customers
(852) 2233 3322 (852) 2233 3322

HSBC Advance customers
(852) 2748 8333 (852) 2748 8333

Other customers
(852) 2233 3000 (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.
  • The card limit will be adjusted on the next working day1 after your repayment, except for cheque payment which will take up to 4 working days (1Saturday, Sunday and Public Holiday will not be counted as working day)

Yes, so if you have setup an autoPay instruction but at the same time repay your credit card statement balance using other means, you can contact us at least 1 working day (for HSBC payment account) or 2 working days (for non HSBC payment account) for further arrangement

HSBC Premier customers
(852) 2233 3322 (852) 2233 3322

HSBC Advance customers
(852) 2748 8333 (852) 2748 8333

Other customers
(852) 2233 3000 (852) 2233 3000

Visa payWave and MasterCard contactless payment function is a free credit card feature which provides swift and convenient payment for HSBC Premier MasterCard? Credit Card, HSBC Advance Visa Platinum Card, HSBC Visa Signature Card and HSBC Visa Platinum Card. Visa payWave/ MasterCard contactless payment function is a chip-based technology which allows you to pay for your purchases by tapping your card without the need to sign on the sales slip for payment of not more than HKD1,000* per transaction (*subject to the limits set by the Bank, Visa or MasterCard Worldwide or the merchant).

You will notice a contactless sign(Ybutton)on your card if your card has either Visa payWave or MasterCard contactless payment function. Please refer to the below card images for the location of the contactless sign on your card.

Visa payWave/ MasterCard contactless payment is easy and convenient to use. Simply spend at a merchant which allows Visa payWave/ MasterCard contactless payment and tap on the contactless payment terminal with your card with Visa payWave/ MasterCard contactless payment function. A green light will appear on the terminal when the contactless payment transaction is completed. No signature is required for contactless payment transaction of HKD1,000* or below.(*Set by the Bank, Visa or MasterCard Worldwide or the merchant from time to time).

Visa payWave/ MasterCard contactless payment transaction limit is set by the merchant. Depending on the merchant setup, you may use Visa payWave or MasterCard contactless payment function for Visa payWave or MasterCard contactless payment transaction of up to HK$1,000*.(*Set by the Bank, Visa or MasterCard Worldwide or the merchant from time to time).

Visa payWave/ MasterCard contactless payment function is a free standard feature for HSBC Premier MasterCard? Credit Card, HSBC Advance Visa Platinum Card, HSBC Visa Signature Card and HSBC Visa Platinum Card . If your card comes with Visa payWave or MasterCard contactless payment function, you only need to agree to the credit card terms and conditions and activate your card so as to use Visa payWave/ MasterCard contactless payment function.

Visa payWave/ MasterCard contactless payment function is a free standard feature for HSBC Premier MasterCard? Credit Card, HSBC Advance Visa Platinum Card, HSBC Visa Signature Card and HSBC Visa Platinum Card. However if you do not wish to have this feature, we can arrange a card without Visa payWave/ MasterCard contactless payment function for you at no cost. You may download the Visa payWave/ MasterCard contactless payment function amendment form from www.hsbc.com.hk, complete and send it to us, contact our Customer Service Centre at (852) 2233 3000 or visit one of our branches. For HSBC Premier customers or Advance customers, you are also welcome to call the respective HSBC Premier Hotline on (852) 2233 3322 or HSBC Advance Hotline on (852) 2748 8333 for further enquiries.

Visa payWave/ MasterCard contactless payment function is developed based on secure EMV chip technology, which provides both data protection and transaction security via the use of keys and the latest encryption technology. Visa payWave/ MasterCard contactless payment transactions are processed through the same reliable payment network as EMV chip transactions.

There are over 6000 outlets in Hong Kong which currently support Visa payWave or MasterCard contactless payment function, including major supermarkets, convenience stores and eateries. If you see the contactless logo(Ybutton), at merchants then you will know you can use your Visa payWave or MasterCard contactless payment function on your card.

Also, you may refer to Visa/ MasterCard webpage for an up-to-date list of Visa payWave/ MasterCard contactless payment merchants.

Visa:http://www.visa.com.hk/en_HK/personal/features/visapaywave.shtml
MasterCard:http://www.mastercard.com/hk/consumer/paypass-locator.html

Visa payWave/ MasterCard contactless payment function is developed based on secure EMV chip technology, which provides both data protection and transaction security via the use of keys and the latest encryption technology. Visa payWave/ MasterCard contactless payment transactions are processed through the same reliable payment network as EMV chip transactions.

No signature is required for Visa payWave/ MasterCard contactless payment transactions for transactions of up to HK$1,000* , subject to the merchant setup. (*Set by the Bank, Visa or MasterCard Worldwide or the merchant from time to time).

We can arrange a replacement card with Visa payWave / MasterCard contactless payment function for you. Please note while processing the replacement card, your card will be temporarily suspended for merchant transactions (Autopay and Direct Debit Authorization will not be affected). It may take up to 7 working days for replacement card arrangement. Also, please also note Visa payWave / MasterCard contactless payment function is only available after 1 May 2016.

Visa payWave/ MasterCard contactless payment function is a free standard feature for HSBC Premier MasterCard? Credit Card, HSBC Advance Visa Platinum Card, HSBC Visa Signature Card and HSBC Visa Platinum Card which provides swift and convenient payment with your HSBC credit cards. However if you do not wish to have this feature, we can arrange a card without Visa payWave/ MasterCard contactless payment function to you at no cost. You may download the Visa payWave/ MasterCard contactless payment function amendment form from www.hsbc.com.hk, complete and send it to us, contact our Customer Service Centre at (852) 2233 3000 or visit one of our branches. For HSBC Premier customers or Advance customers, you are also welcome to call the respective HSBC Premier Hotline on (852) 2233 3322 or HSBC Advance Hotline on (852) 2748 8333 for further enquiries.

You will receive your card with Visa payWave/ MasterCard contactless payment function upon card replacement and renewal on or after 1 May 2016.

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.

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

The Verification Code for Online Transaction is a security feature provided by HSBC. When you make an online transaction with your HSBC Visa or MasterCard Credit Card at an online merchant participating in Verified by Visa or Mastercard SecureCode, you will receive a verification code through an SMS to your registered mobile phone number. Simply enter the verification code to authenticate your transaction.

No registration is required for the service. And there is no service charge imposed by HSBC for this service. The verification code will be sent to your mobile phone number in the form of SMS. Please ensure your registered mobile phone number with us is valid and updated.

The Verification Code for Online Transaction Service is free if you receive a One-Time-Password (OTP) via SMS in Hong Kong. If you are overseas or using overseas telecommunication service providers, your service provider may levy charges. Please consult your telecommunication service provider for details.

Verification Code for Online Transaction Service provides extra security protection against online fraud. When you make an online transaction with your HSBC Credit Card at a participating Verified by Visa and Mastercard SecureCode merchant, a verification code is required to authenticate the transaction. With the implementation of verification code, should your credit card information be pilfered for any reason, unauthorised parties will not be able to use your credit card for online transactions without the verification code sent to your registered mobile phone number.

No. Verification Code is only required for online merchants that support Verified by Visa or Mastercard SecureCode.

The verification code expires in 100 seconds after it is issued. If you are unable to enter the verification code to complete your online transaction before the verification code expires, you can click the “Resend Code” button on the transaction webpage in order to receive another valid verification code on your registered mobile phone number. You can re-submit the new verification code to complete the transaction. Please note that the “Resend Code” function can only be used 2 times for each transaction. If you use the “Resend Code” function 2 times in a row without entering the correct verification code, you will be unable to complete the transaction. You will be re-directed back to the merchant’s website and be able to re-start the transaction again.

You will be unable to complete the transaction. You will be redirected to the merchant’s website. You may require to re-enter your credit card information and get another verification code to proceed with the transaction.

If you are overseas and using overseas mobile service providers, the service provider may not support receipt of international SMS. Please be reminded to turn on your mobile phone and activate your roaming service to ensure you can receive the verification code to complete the online transaction when you travel to Mainland China / overseas. Please consult your telecommunication service provider for details.

You should report the loss to your mobile service provider immediately and request the service provider to suspend your mobile telecommunication service. This is to ensure that in case your credit card information is pilfered illegally, any unauthorised parties will not be able to receive your OTP to use your credit card for any transactions.

No. When you make an online transaction with your HSBC Visa / MasterCard Credit Card at an online merchant participating in Verified by Visa or Mastercard SecureCode, you will receive a 6- digit verification code through SMS to your registered mobile phone number. You are required to enter the verification code to authenticate your transaction.

No. The Verified by Visa or Mastercard SecureCode service using password or personal information to authenticate will discontinue after the Verification Code for Online Transaction Service is launched. You are required to enter a verification code to complete your online transactions on designated websites.
Hence, please register or update your mobile phone number immediately by downloading
(For Personal credit cards)
- the “Change of Address/ Telephone Number/ Fax Number/ Email Address Instruction Form” at Forms and Document Download section at hsbc.com.hk, and then mail the completed form to “The Hongkong and Shanghai Banking Corporation Limited, P O Box 72677, Kowloon Central Post Office, Kowloon, Hong Kong”.
(For Commercial credit cards)
- the “Program Amendment Request Form” at Form download centre at www.business.hsbc.com.hk, and then mail the completed form to “Card Centre, 8/F HSBC Centre, Tower 2 & 3, No. 1 Sham Mong Road, Kowloon, Hong Kong”

The processing time is around 3 working days upon the receipt of your request. You can use the Verification Code for Online Transaction Service once your mobile phone number record is updated.

The verification code is a 6- digit numeric password and it will be sent to your registered mobile phone number.

A valid mobile phone number for receiving SMS with Verification Code includes local, Mainland China or overseas numbers. Please provide relevant country/region code if your mobile phone number is a Mainland China/overseas number. And this service is not applicable to mobile numbers with call forwarding service. Please also refer to Questions “Are there any service charges for using the Verification Code for Online Transaction Service” and “Can I receive a verification code when I am overseas” if you are using a Mainland China or overseas number.

If you do not have a valid mobile phone number in our record, you would not be able to make online transactions with your HSBC Credit Card at online merchants participating in Verified by Visa or Mastercard SecureCode program. Hence, we suggest you to update or register your mobile phone number with us immediately.
You can register or update your mobile phone number via any of the channels below (Note: please provide relevant country/region code if your mobile phone number is a Mainland China/overseas number):
(For Personal credit cards)
- Log on HSBC Personal Internet Banking (required a Security Device)
- Access to “Forms and Document Download” section on hsbc.com.hk, download “Change of Address/ Telephone Number/ Fax Number/ Email Address Instruction Form” and then return the completed form to “The Hongkong and Shanghai Banking Corporation Limited, P O Box 72677, Kowloon Central Post Office, Kowloon, Hong Kong”
- Visit any HSBC Branch
(For Commercial credit cards)
- Access to “Form download centre” section at www.business.hsbc.com.hk, download “Program Amendment Request Form” and then return the completed form to “Card Centre, 8/F HSBC Centre, Tower 2 & 3, No. 1 Sham Mong Road, Kowloon, Hong Kong”

You can register or update your mobile phone number via any of the channels below (Note: please provide relevant country/region code if your mobile phone number is a Mainland China/overseas number):
(For Personal credit cards)
- Log on HSBC Personal Internet Banking (required a Security Device)
- Access to “Forms and Document Download” section on hsbc.com.hk, download” Change of Address/ Telephone Number/ Fax Number/ Email Address Instruction Form” and then return the completed form to “The Hongkong and Shanghai Banking Corporation Limited, P O Box 72677, Kowloon Central Post Office, Kowloon, Hong Kong”
- Visit any HSBC branch
(For Commercial credit cards)
- Access to “Form download centre” section at www.business.hsbc.com.hk, download “Program Amendment Request Form” and then return the completed form to “Card Centre, 8/F HSBC Centre, Tower 2 & 3, No. 1 Sham Mong Road, Kowloon, Hong Kong”

- Passcodes for mobile phones: Set a passcode for your mobile phone that is difficult to guess. Activate the auto-lock function.
- Secure systems and software: Use the latest versions of operating system, Internet banking App and web browser. Do not jailbreak or root your mobile phone or tablet.
- Beware of computer viruses: Your mobile phone is an important device to receive transaction notification or Verification Code from the bank during online banking or online purchase with your cards. Do not enter personal information (e.g. ID card/passport number) and credit card information together in mobile Apps unless you are absolutely sure this is verified in an alternate channel. This could be a phishing attack. You should install and update your security software promptly, download and upgrade your Apps from official App stores or reliable sources only. Do not browse suspicious websites or click on the hyperlinks and attachments in suspicious emails or SMS messages or instant messaging systems.
- Network functions: Disable any wireless network functions (e.g. Wi-Fi, Bluetooth, NFC, etc) and Virtual Private Network when not in use. Choose encrypted networks when using Wi-Fi and remove any unnecessary Wi-Fi connection settings.
- Regarding the tips of “Online Security” and “Banking Safety”:

- For Personal credit card holders, please refer to “Online Security” under “Help and Support” and “View safety tips” in “Banking safety tips” under “Help and Support” in HSBC Personal website www.hsbc.com.hk

- For Commercial credit card holders, please refer to “Security Tips” in HSBC Business website www.business.hsbc.com.hk

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 (852) 2233 3322

HSBC Advance customers
(852) 2748 8333 (852) 2748 8333

Other customers
(852) 2233 3000 (852) 2233 3000

If you are HSBC Internet Banking users, you can view the eStatement via online. Otherwise, your eStatement will be sent to your designated email address protected by password.

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 (852) 2233 3322

HSBC Advance customers
(852) 2748 8333 (852) 2748 8333

Other customers
(852) 2233 3000 (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:

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.