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  • Privacy and Security Selected Select to expand Select to collapse

    Privacy and Security

    Our Privacy Principles

    The Hongkong and Shanghai Banking Corporation Limited ("we", "us" "our") builds its business on trust between our customers and ourselves. To preserve the confidentiality of all personal data you provide to us, we maintain the following privacy principles:

    1. We only collect personal data that we believe to be relevant and required to understand your financial needs and to conduct our business.
    2. We use your personal data to provide you with better customer services and products.
    3. We may pass your personal data to other members of the HSBC Group or our respective agents, as permitted by law.
    4. We will not disclose your personal data to any external organisation unless we (i) have your consent or (ii) are required by law or (iii) have previously informed you.
    5. We may be required from time to time to disclose your personal data to governmental or judicial bodies or agencies or our regulators, but we will only do so under proper authority.
    6. We aim to keep your personal data on our records accurate and up-to-date.
    7. We maintain strict security systems designed to prevent unauthorised access to your personal data by anyone, including our staff.
    8. All members of the HSBC Group, all our staff and all third parties with permitted access to your personal data are specifically required to observe our confidentiality obligations.

    By maintaining our commitment to these principles, we at HSBC will ensure that we respect the inherent trust that you place in us.


    Your Privacy Matters to Us

    This section provides specific details of how we treat any personal data you provide us when you visit this website ("Site").

    Data Security

    • Security is our top priority. We will strive at all times to ensure that your personal data will be protected against unauthorised or accidental access, processing or erasure. We maintain this commitment to data security by implementing appropriate physical, electronic and managerial measures to safeguard and secure your personal data.
    • The secure area of this Site supports the use of 128-bit Transport Layer Security (TLS) encryption technology - an industry standard for encryption over the Internet to protect data. When you provide sensitive information such as credit card details, it will be automatically converted into codes before being securely dispatched over the Internet.
    • Our web servers are protected behind "firewalls" and our systems are monitored to prevent any unauthorised access.
    • We will not send personal data to you by ordinary email. As the security of ordinary email cannot be guaranteed, you should only send email to us using the secure email facility on this Site.

    We will take all practical steps to ensure that personal data will not be kept longer than necessary and that we will comply with all statutory and regulatory requirements in the Hong Kong Special Administrative Region concerning the retention of personal data.


    Security Assurance

    • Both you and us play an important role in safeguarding against online fraud.
    • We endeavour to put in place high standards of security to protect your interests.
    • You should be careful that your account details (including your username and password) are not compromised. You should ensure that you do not knowingly or accidentally share, provide or facilitate unauthorised use of such details. Do not share your username or password or allow access or use of your username or password by others.
    • You should safeguard your username and password and keep them secret and confidential. Never write them down. We will never ask you for your password given that you should be the only person who knows it.
    • When choosing your username and password, do not use easily identifiable information such as your birthday, telephone number or a recognisable part of your name.
    • If you think your username or password has been disclosed to another person, is lost or stolen or an unauthorised transaction has been conducted, you are responsible for informing us immediately.
    • If, in the unlikely event, an unauthorised transaction has been conducted through your account through no fraud, fault or negligence on your part, we will see that you are covered for your direct loss up to the full amount of the unauthorised transaction.

    Use of Cookies, Spotlight Tags and Web Beacons etc

    • We may record your visit to this Site for analysing the number of visitors to this Site, general usage patterns and your personal usage patterns and improving your experience. We may gather some of this information through the use of "cookies". Cookies are small bits of information that are automatically stored on your web browser in your computer that can be retrieved by this Site. Cookies are useful because they allow us to recognise your device and they store information about your use of this Site, thus enabling us to provide more useful features to you, to tailor the content of our website to suit your interests and, where permitted by your marketing preferences, provide you with promotional materials or direct marketing based on your usage patterns. We will be able to access the information stored on the cookies and record how you use this Site. Most browsers are initially set to accept cookies. If you prefer, you can set your browser to disable cookies or to inform you when they are set - please see our cookie policy for more details of how to do this http://www.hsbc.com/cookie-policy. By disabling cookies, you may not be able to take full advantage of this Site, including HSBC Internet Banking.
      If you accept cookies, you will be acknowledging that your information is being collected, stored, accessed and used as outlined above.
    • We may also work with third parties to research certain usage and activities on this Site for us. These third party research agencies include Doubleclick, Yahoo!, Facebook, Nielsen//NetRatings, WebTrends and Adobe. They use technologies such as cookies, spotlight monitoring and web beacons to collect information for this research. They use the information collected through such technologies (i) to find out more about users of this Site, including user demographics and behaviour and usage patterns, (ii) for more accurate reporting and (iii) to improve the effectiveness of our marketing. They aggregate the information collected and then share it with us. No personally identifiable information about you is collected or shared by Doubleclick, Yahoo!, Facebook, Nielsen//NetRatings and WebTrends with us as a result of this research. Should you wish to disable the cookies associated with such technologies, you may change the setting on your browser. However, you may not be able to enter certain parts of this Site, including HSBC Internet Banking.
    • To find out more about the use of cookies and the information-collecting practices and opt-out procedures of Doubleclick, Yahoo!, Facebook, Nielsen//NetRatings and WebTrends, please visit:

    Marketing Promotions

    • Occasionally we may collect personal data from you when you visit this Site or when you participate in a contest or promotion (whether online, over the telephone or at one of our branches). We only collect personal data from you if you voluntarily provide it to us. We may use your personal data to inform you of products, services and other marketing materials which we think may be of interest to you. We may also invite you to participate in market research and surveys and other similar activities.
    • You can choose to receive marketing and other promotional materials by email and you may opt out from receiving these materials at any time.
    • If at any time you would like us to stop sending you direct mailings, please contact our representatives by calling:
      • (852) 2233 3322 for HSBC Premier customers
      • (852) 2748 8333 for HSBC Advance customers
      • (852) 2233 3000 for other customers
      • We will then, at no cost to you, act on your request within 30 days and ensure not to include you in future direct marketing promotions.

    • If we do ask you to provide your personal data, we will always specify the purposes for which such personal data is collected and ensure that it is only used for the purposes specified at the time of collection.

    1Notice Relating to the Personal Data (Privacy) Ordinance (the 'Ordinance')

    This Statement is made by The Hongkong and Shanghai Banking Corporation Limited ("we", "us", "our", including our successors and assigns) in accordance with the Personal Data (Privacy) Ordinance of the Hong Kong Special Administrative Region. The Statement is intended to notify you why personal data is collected, how it will be used and to whom data access requests are to be addressed.

      Collection of Data

    1. (a) We may collect the data of customers and other individuals in connection with the purposes set out in this Notice. These customers and other individuals may include the following or any of them (collectively "you", "your"):
      • applicants for banking or financial services;
      • persons giving or proposing to give guarantees or security for obligations owed to us;
      • persons linked to a customer or an applicant that is not an individual, including the beneficial owners and officers of that customer or applicant, or in the case of a trust, including the trustees, settlors, protectors and beneficiaries of the trust; and
      • other persons who are relevant to a customer’s relationship with us.
    2. (b) If the data requested by us is not provided, we may be unable to provide (or continue to provide) products or services to you or to the relevant customer or applicant linked to you.
    3. (c) Data may be:
      1. (i) collected from you directly, from someone acting on your behalf or from another source; and
      2. (ii) combined with other data available to members of the HSBC Group ("HSBC Group" and any "member of the HSBC Group" means HSBC Holdings plc and/or its affiliates, subsidiaries, associated entities and any of their branches and offices).
    4. Use of Data

    5. (d) We will use data for the following purposes or any of them (which may vary depending on the nature of your relationship with us):
      1. (i) considering and processing applications for products and services and the daily operation of products and services (including credit facilities provided to you or the relevant customer linked to you);
      2. (ii) conducting credit checks whenever appropriate (including upon an application for consumer credit (including mortgage loans) and when we review credit which normally takes place one or more times each year);
      3. (iii) creating and maintaining our credit and risk related models;
      4. (iv) assisting other financial institutions to conduct credit checks and collect debts;
      5. (v) ensuring your ongoing credit worthiness and good standing;
      6. (vi) designing financial products and services (including insurance, credit card, securities, commodities, investment, banking and related products and services) for your use;
      7. (vii) marketing products, services and other subjects as described in paragraph (f) below;
      8. (viii) determining the amount of indebtedness owed to or by you;
      9. (ix) exercising our rights under contracts with you, including collecting amounts outstanding from you;
      10. (x) meeting our obligations, requirements or arrangements or those of any member of the HSBC Group, whether compulsory or voluntary, to comply with or in connection with:
        1. (1) any law, regulation, judgment, court order, voluntary code, sanctions regime, within or outside the Hong Kong Special Administrative Region ("Hong Kong") existing currently and in the future ("Laws") (e.g. the Inland Revenue Ordinance and its provisions including those concerning automatic exchange of financial account information);
        2. (2) any guidelines, guidance or requests given or issued by any legal, regulatory, governmental, tax, law enforcement or other authorities, or self-regulatory or industry bodies or associations of financial services providers within or outside Hong Kong existing currently and in the future (e.g. guidelines, guidance or requests given or issued by the Inland Revenue Department including those concerning automatic exchange of financial account information) and any international guidance, internal policies or procedures;
        3. (3) any present or future contractual or other commitment with local or foreign legal, regulatory, judicial, administrative, public or law enforcement body, or governmental, tax, revenue, monetary, securities or futures exchange, court, central bank or other authorities, or self-regulatory or industry bodies or associations of financial service providers or any of their agents with jurisdiction over all or any part of the HSBC Group (together the "Authorities" and each an "Authority") that is assumed by, imposed on or applicable to us or any member of the HSBC Group; or
        4. (4) any agreement or treaty between Authorities;
      11. (xi) complying with any obligations, requirements, policies, procedures, measures or arrangements for sharing data and information within the HSBC Group and/or any other use of data and information in accordance with any programmes for compliance with sanctions or prevention or detection of money laundering, terrorist financing or other unlawful activities;
      12. (xii) conducting any action to meet our obligations or those of any member of the HSBC Group to comply with Laws or international guidance or regulatory requests relating to or in connection with the detection, investigation and prevention of money laundering, terrorist financing, bribery, corruption, tax evasion, fraud, evasion of economic or trade sanctions and/or any acts or attempts to circumvent or violate any Laws relating to these matters;
      13. (xiii) meeting our obligations or those of any member of the HSBC Group to comply with any demand or request from the Authorities;
      14. (xiv) enabling actual or proposed assignee(s) of all or any part of our business and/or assets, or participant(s) or sub-participant(s) of our rights in respect of you to evaluate the transaction intended to be the subject of the assignment, participation or sub-participation and enabling the actual assignee(s) to use your data in the operation of the business or rights assigned; and
      15. (xv) any other purposes relating to the purposes listed above.
    6. Disclosure of Data

    7. (e) Data held by us or a member of the HSBC Group will be kept confidential but we or a member of the HSBC Group may provide data to the following parties or any of them (whether within or outside Hong Kong) for the purposes set out in paragraph (d) above:
      1. (i) any agents, contractors, sub-contractors or associates of the HSBC Group (including their employees, officers, agents, contractors, service providers and professional advisers);
      2. (ii) any third party service providers who provide services to us or any member of the HSBC Group in connection with the operation or maintenance of our business (including their employees and officers);
      3. (iii) any Authorities;
      4. (iv) any persons under a duty of confidentiality to us or a member of the HSBC Group which have undertaken to keep such data confidential;
      5. (v) the drawee bank providing a copy of a paid cheque (which may contain data about the payee) to the drawer;
      6. (vi) any persons acting on your behalf whose data are provided, payment recipients, beneficiaries, account nominees, intermediary, correspondent and agent banks, clearing houses, clearing or settlement systems, market counterparties, upstream withholding agents, swap or trade repositories, stock exchanges, companies in which you have an interest in securities (where such securities are held by us or any member of the HSBC Group) or any persons making any payment into a customer’s account;
      7. (vii) credit reference agencies, and, in the event of default, to debt collection agencies;
      8. (viii) any persons to whom we are or any member of the HSBC Group is under an obligation or required or expected to make disclosure for the purposes set out in, or in connection with, paragraph (d)(x), (d)(xi) or (d)(xii) above;
      9. (ix) any actual or proposed assignee(s) of ours or participant(s) or sub-participant(s) or transferee(s) of our rights in respect of you;
      10. (x) any persons giving or proposing to give a guarantee or security to guarantee or secure your obligations to us; and
      11. (xi)
        1. (1) any member of the HSBC Group;
        2. (2) third party financial institutions, insurers, credit card companies, securities and investment services providers;
        3. (3) third party reward, loyalty, co-branding and privileges programme providers;
        4. (4) co-branding partners of ours or any member of the HSBC Group (the names of such co-branding partners will be provided during the application process for the relevant products and services, as the case may be);
        5. (5) charitable or non-profit making organisations; and
        6. (6) external service providers that we or any member of the HSBC Group engage(s) for the purposes set out in paragraph (d)(vii) above.
      12. Such data may be transferred in and to a place outside Hong Kong.
    8. Provision of Data to Credit Reference Agencies (CRA) and Debt Collection Agencies

    9. A. We may provide the following data relating to you (whether in sole name or joint names with others) to a CRA:
      1. i. full name;
      2. ii. capacity in respect of each mortgage (as borrower, mortgagor or guarantor);
      3. iii. Hong Kong Identity Card Number or travel document number or certificate of incorporation number;
      4. iv. date of birth or date of incorporation;
      5. v. correspondence address;
      6. vi. mortgage account number in respect of each mortgage;
      7. vii. type of the facility in respect of each mortgage;
      8. viii. mortgage account status in respect of each mortgage (e.g. active, closed, write-off); and
      9. ix. if any, mortgage account closed date in respect of each mortgage.
      10. The CRA will use the above data for the purposes of compiling a count of the number of mortgages from time to time held by you (as borrower, mortgagor or guarantor, whether in sole name or joint names with others) for sharing in the consumer credit database of the CRA by credit providers.
    10. B. You can instruct us to make a request to the relevant CRA to delete from its database any account data relating to any credit that has been terminated by full repayment provided that there has not been, within five (5) years immediately before such termination, a default in payment under the credit for a period in excess of sixty (60) days according to our records.
    11. C. If there is any default in payment, unless the amount in default is fully repaid or written off (other than due to bankruptcy order) before the expiry of sixty (60) days from the date of default, your account repayment data may be retained by the CRA until the expiry of five (5) years from the date of final settlement of the amount in default.
    12. D. In the event of any amount being written off due to a bankruptcy order being made against you, the CRA may retain your account repayment data until the earlier of (i) the expiry of five (5) years from the date of final settlement of the amount in default, or (ii) the expiry of five (5) years from the date of your discharge from bankruptcy as notified to the CRA by you with evidence.
    13. E. For the purposes of paragraphs C and D above, account repayment data are the amount last due, amount of payment made during the last reporting period, remaining available credit or outstanding balance and default data (being amount past due and number of days past due, date of settlement of amount past due, and date of final settlement of amount in material default (that is, default in payment for a period in excess of sixty (60) days) (if any)).
    14. Use of Data in Direct Marketing

    15. (f) Where you are a customer, we intend to use your data in direct marketing and we require your consent (which includes an indication of no objection) for that purpose. Please note that:
      1. (i) your name, contact details, products and other service portfolio information, transaction pattern and behavior, financial background and demographic data held by us from time to time may be used by us in direct marketing;
      2. (ii) the following classes of products, services and subjects may be marketed:
        1. (1) financial, insurance, credit card, banking and related products and services;
        2. (2) reward, loyalty, co-branding or privileges programmes and related products and services;
        3. (3) products and services offered by our co-branding partners (the names of such co-branding partners will be provided during the application for the relevant products and services, as the case may be); and
        4. (4) donations and contributions for charitable and/or non-profit making purposes;
      3. (iii) the above products, services and subjects may be provided by or (in the case of donations and contributions) solicited by us and/or:
        1. (1) any member of the HSBC Group;
        2. (2) third party financial institutions, insurers, credit card companies, securities and investment services providers;
        3. (3) third party reward, loyalty, co-branding or privileges programme providers;
        4. (4) co-branding partners of ours or any member of the HSBC Group (the names of such co-branding partners will be provided during the application of the relevant products and services, as the case may be); and
        5. (5) charitable or non-profit making organisations;
      4. (iv) in addition to marketing the above products, services and subjects ourselves, we may provide the data described in paragraph (f)(i) above to all or any of the persons described in paragraph (f)(iii) above for use by them in marketing those products, services and subjects, and we require your written consent (which includes an indication of no objection) for that purpose; and
      5. (v) we may receive money or other property in return for providing the data to the other persons in paragraph (f)(iv) above and, when requesting your consent or no objection as described in paragraph (f)(iv) above, we will inform you if we will receive any money or other property in return for providing the data to the other persons.
    16. If you do not wish us to use or provide to other persons your data for use in direct marketing as described above, you may exercise your opt-out right by notifying us.

      Provision of Another Person’s Data

    17. (g) Where you provide to us data about another person, you should give to that person a copy of this Notice and, in particular, tell him/her how we may use his/her data.
    18. Data Access Requests

    19. (h) You have the right:
      1. (i) to check whether we hold data about you and to access such data;
      2. (ii) to require us to correct any data relating to you which is inaccurate;
      3. (iii) to ascertain our policies and practices in relation to data and to be informed of the kind of data held by us; and
      4. (iv) in relation to consumer credit, to be informed on request which items of data are routinely disclosed to credit reference agencies or debt collection agencies, and be provided with further information to enable the making of an access and correction request to the relevant credit reference agency or debt collection agency.
    20. (i) In accordance with the provisions of the Ordinance, we have the right to charge a reasonable fee for the processing of any data access request.
    21. (j) You should send requests for access to data or correction of data or for information regarding policies and practices and kinds of data held to:
      1. The Data Protection Officer
        The Hongkong and Shanghai Banking Corporation Limited
        PO Box 72677
        Kowloon Central Post Office
        Hong Kong
        E-mail: dfv.enquiry@hsbc.com.hk
    22. (k) We may have obtained a credit report on you from a credit reference agency in considering any application for credit. In the event you wish to access the credit report, we will advise the contact details of the relevant credit reference agency.
    23. (l) Nothing in this Notice shall limit your rights as a data subject under the Ordinance.

    Note: In case of discrepancies between the English and Chinese versions, the English version shall apply and prevail.

    IMPORTANT: By accessing this web site and any of its pages you are agreeing to the terms set out above. Thank you for choosing HSBC.

    1You may be subject to an earlier version of this Notice (known as Notice to Customers relating to the Personal Data (Privacy) Ordinance) if you have not consented to subsequent changes to the earlier notice.

  • Terms of Use Select to expand Select to collapse

    Terms of Use

    Website Terms of Use

    This section contains the terms of use of this website (this website, its gateway and pages collectively referred as "Site"). By accessing this Site, you are agreeing to these Terms. The Site is primarily intended for those who access it from within Hong Kong. Because of this we cannot guarantee that the Site or the information thereon complies with law or regulation of other countries, or is appropriate for use, in other places. You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms.

    The information provided on this Site is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation. This Site should not be considered as communicating any invitation or inducement to engage in banking or investment activity or any offer to buy or sell any securities or other instruments outside Hong Kong.

    No offer, solicitation or recommendation of financial services or products

    Making available information about products or services on this Site does not constitute an offer, solicitation or recommendation of any products or services provided by The Hongkong and Shanghai Banking Corporation Limited ("we", "us", "our") or any member of the HSBC Group. The information provided on this Site is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation. This Site shall not be considered as communicating (i) any invitation or inducement to engage in banking, investment or insurance activity or (ii) any offer or solicitation to buy or sell any securities or other instruments or to buy insurance outside any jurisdiction where we are licensed or authorised to perform such activities ("Authorised Countries").

    Not all the products and services that you may view on or through this Site may be available in all geographical locations served by HSBC Group members. You should access only the local site(s) associated with your place of residence or your location, as appropriate ("Your Local Site"). If you own products that are not discussed on Your Local Site, information about such products may be accessible on this Site or another HSBC website. Products and services that are not discussed on Your Local Site may not be available in your place of residence, your location or in the Authorised Countries and may not be suitable for you. In accessing this Site and any information available through this Site, you are responsible for informing yourself of and observing fully the applicable laws and regulations of any relevant jurisdiction. HSBC Group members may decline to provide you with products and services solely based on your place of residence or your actual location.

    Products or services you may view on or through this Site may not be registered or authorized by any central bank, governmental or regulatory authority in the Authorised Countries or in your place of residence or location. Accordingly, you may not be protected by the securities laws, banking laws, insurance laws or other relevant laws and regulations of your place of residence or jurisdictions outside the Authorised Countries with respect to products or services you may view on or through this Site.

    We do not represent that any securities, products or services you may view on or through this Site are suitable for you or any particular person. You acknowledge that:

    1. neither we nor any other member of the HSBC Group have solicited your use of this Site or any request for information you have made as a result of using this Site; and
    2. any information provided on this Site does not constitute and should not be considered as investment, financial, tax or professional advice. You should obtain your own independent investment, financial, tax and professional advice as appropriate.

    Trademarks and copyright

    We and other parties (as applicable) own the trademarks, trade names, logos and service marks ("Trademarks") that are used or displayed on this Site. You are not allowed to use any Trademark used or displayed on this Site without our or such other parties' prior written permission.

    Materials on this Site are protected by copyright. You are not allowed to modify, reproduce, store in a retrieval system, transmit, copy or distribute these materials (or any part of them), or use them for creating derivative works or in any other way for commercial or public purposes without our prior written consent.

    No warranty

    Whilst we have taken care in preparing the content and information contained on this Site, such content and information are provided "as is" without warranty of any kind, whether express or implied. In particular, no warranty about non-infringement, security, accuracy, fitness for a purpose or absence of computer viruses is given in connection with such content and information.

    Linked websites

    Neither we nor any other member of the HSBC Group are responsible for the contents available on or the set-up of any other websites linked to this Site ("external websites"). Your access to and use of an external website is at your own risk and subject to any terms and conditions applicable to such access and use. By providing hyperlinks to an external website, we shall not be deemed to (i) endorse, recommend, approve, guarantee or introduce any third party or the services or products it provides on the external website, or (ii) have any form of cooperation with such third party and the external website. We are not a party to any contractual arrangement entered into between you and the provider of any external website unless we expressly specify or agree.

    Email

    Email messages sent to us over the Internet cannot be guaranteed to be completely secure. We are not responsible for any damages you incur if you send a message to us, or if we send a message to you at your request, over the Internet. We are not responsible in any way for direct, indirect, special or consequential damages arising from or in connection with the use of this Site.

    Transmitting over the Internet

    Due to the nature of the Internet, messages and transactions may be subject to interruption, transmission blackout, delayed transmission or incorrect data transmission. We are not liable for malfunctions in communications facilities beyond our control that may affect the accuracy or timeliness of messages and transactions you send. We have a right to delay acting or refuse to act on an instruction if we are aware of or suspect a breach of security or other suspicious circumstances relating to the use of this Site.

    Downloading and other security measures

    We do not represent or confirm the following (or any of them):

    1. that the Site will be available and meet your requirements;
    2. that access to the Site will not be interrupted;
    3. that there will be no delay, failure, error or omission or loss of information in transmission;
    4. that no viruses or other contaminating or destructive or otherwise inappropriate properties will be transmitted; and
    5. that no damage will occur to your computer system.

    You are solely responsible for the following:

    1. adequate protection and back up of data and equipment;
    2. undertaking reasonable and appropriate precautions to scan for computer viruses and other contaminating or destructive or otherwise inappropriate properties; and
    3. keeping your personal information, which we use to identify you for conducting certain transactions available in this Site, secured from unauthorized use.

    We do not represent or confirm the accuracy, functionality and performance of any third party software that may be used in connection with this Site.

  • Hyperlink Policy Select to expand Select to collapse

    Hyperlink Policy

    IMPORTANT: By accessing this website (this website, its gateway and pages collectively referred to as "Site"), you are agreeing to the terms set out below.

    Hyperlinks from this Site to websites outside the HSBC Group

    The Hongkong and Shanghai Banking Corporation Limited ("we", "us", "our") may provide hyperlinks on this Site to other websites on the Internet. These hyperlinks lead to websites published or operated by third parties who are not in any way related to us ("external websites"). These hyperlinks are provided to enhance your user experience and for your information and convenience only. We endeavour to select reputable websites and sources of information for your reference.

    Unless we specify otherwise, by providing hyperlinks to an external website, we shall not be deemed to (i) endorse, recommend, approve, guarantee or introduce any third party or the services or products it provides on the external website, or (ii) have any form of cooperation with such third party and the external website.

    We are not responsible for the content of any external website. You use any hyperlink on this Site at your own risk. We are not responsible for any damages or losses incurred or suffered by you arising out of or in connection with your use of any hyperlink on this Site. We are not a party to any contractual arrangement entered into between you and the provider of any external website unless we expressly specify or agree.

    Any hyperlink to an external website that contains downloadable software is provided for your convenience only. We are not responsible for any difficulties you may encounter in downloading the software or for any consequences from your doing so.

    Please remember that:

    1. the use of any software downloaded from the Internet may be governed by a licence agreement; and
    2. your failure to observe the terms of such licence agreement may result in an infringement of intellectual property rights of the relevant software provider. We are not responsible for such infringement.

    Please note that when you click on a hyperlink and enter an external website, you will be subject to the terms of use and privacy policies of the external website.

    Hyperlinks from this Site to HSBC Group websites

    We may also provide hyperlinks on this Site to websites published or operated by other members of the HSBC Group ("HSBC Group websites") for your convenience. The products and services offered on HSBC Group websites may be restricted to persons located or residing in a specified jurisdiction. In addition, the content on a HSBC Group website is not intended for persons located or residing in any jurisdiction that restricts the distribution of such content. The terms and conditions governing the use of each HSBC Group website may differ. You should consult and carefully read the applicable terms and conditions before using a HSBC Group website.

    Hyperlinks from external websites to HSBC websites

    You must always obtain our prior written approval before creating a hyperlink in any form from an external website to this Site or any HSBC Group website. We may or may not give such approval at our discretion. In normal circumstances, we may only approve a hyperlink which displays plainly our name or website address. Any use or display of our logos, trade names and trademarks as a hyperlink will not be approved unless in very exceptional circumstances and may be subject to a fee as we may determine at our discretion.

    We are not responsible for the setup of any hyperlink from an external website to this Site or any HSBC Group website. Any hyperlink so set up does not constitute any form of cooperation with us or endorsement by us of such external website. Any hyperlink to this Site or any HSBC Group website should (i) always be an active and direct link to this Site or the relevant HSBC Group website and (ii) be made directly to the home page of this Site or the relevant HSBC Group website only. No "framing" or "deep-linking" of this Site or any HSBC Group website or their respective contents is allowed.

    Neither we nor any other member of the HSBC Group are liable for any loss or damage incurred or suffered by you or any third party arising out of or in connection with any hyperlink to this Site or any HSBC Group website.

    We have the right at our discretion and at any time to:

    1. rescind any approval granted to create a hyperlink to this Site or any HSBC Group website; and
    2. require the removal of any hyperlink to this Site or any HSBC Group website.

    Trademarks and copyright

    We and other parties (as appropriate) own the content and information contained on this Site or delivered to you in connection with your use of this Site. The trademarks, trade names, logos and service marks ("Trademarks") that are used or displayed on this Site may include our and such other parties' registered and unregistered Trademarks. Nothing on this Site should be construed as granting any licence or right to use any Trademark used or displayed on this Site. We retain all proprietary rights on this Site. You are not allowed to use any Trademark used or displayed on this Site without our or such other parties' written permission.

    The materials on this Site are protected by copyright. You are not allowed to modify, reproduce, store in a retrieval system, transmit, copy or distribute these materials (or any part of them), or use them for creating derivative works or in any other way for commercial or public purposes without our prior written consent.

    No warranty

    While we have taken care in preparing the content and information contained on this Site, such content and information are provided "as is" without warranty of any kind, whether express or implied. In particular, no warranty about non-infringement, security, accuracy, fitness for a particular purpose or absence of computer virus is given in connection with such content and information.

  • Accessibility Select to expand Select to collapse

    Accessibility

    HSBC aims to ensure our banking services are accessible to customers with different needs, including the elderly and people with disabilities.

    Wheelchair access

    The accessibility information in the Branch and Express Banking Locator section of our company website can be found.

    ATMs

    The Bank's Easy ATM service enables elderly customers to choose larger fonts, more graphics and simpler work processes when using our ATMs.

    In addition, large-screen displays and special keys (e.g. on the digit "5", 'Clear', 'Cancel' and 'Enter' keys) were introduced to help the elderly and visually impaired customers.

    Personal Internet Banking

    To help visually impaired customers log on to Personal Internet Banking, HSBC provides a Security Device that features a larger display screen and audio capability.

    HSBC follows the requirement of Web Content Accessibility Guidelines (WCAG) in developing its Personal Internet Banking websites. WCAG are part of a series of web accessibility guidelines published by the World Wide Web Consortium's (W3C) Web Accessibility Initiative with an aim to enable the contents accessible primarily for disabled users. By simply using the "Ctrl" and "+" keys the size of both the text and images in HSBC homepage and Personal Internet Banking page can be enlarged to suit the wider needs of the community.

  • Important Notices Select to expand Select to collapse

    Important Notices

    • With effect from 13 November 2017, the outward telegraphic transfer services to Taiwan initiated in New Taiwan Dollar will be terminated. Outward telegraphic transfer to Taiwan initiated in other currencies will not be affected. For details, please refer to the Notice of Changes.
    • Change on Autopay Arrangements for Personal Credit Card will take effect from 4 December 2017. Please click here to read the Notice of Change for details.
    • Please note that we will no longer provide "Let us call you" service on our website and Personal Internet Banking with effect from 31 Oct 2017.
    • Important notice: Update on margin threshold of Securities Margin Trading Service
      Effective from 16 Oct 2017, once your Portfolio Margin Ratio (PMR) remains at or above 105% and below 120% for over 3 months or a period determined by the Bank from time to time, we will force sell your securities in the Securities Margin Trading Service Account. Immediate force sell trigger remains as PMR 120%.
    • From 28 Sep 2017, when you purchase at online merchants supporting Verified by Visa or Mastercard SecureCode, you will receive a verification code via SMS. Please ensure your mobile number is updated in Bank’s record. You may change your mobile number at Internet Banking with security device. Terms and conditions apply.
    • With effect from 11 Sep 2017, the Conditions of Lease of Safe Deposit Locker (for Individual and Joint Lessees) will be revised and the amendments will be binding on you if you continue to use your Safe Deposit Locker on or after the effective date. For details, please refer to the Notice of Changes.
    • From 22 Sep 2017, we will change the indicative rollover interest rate for the following currencies in the Margin FX Trading Services:
      1) Hong Kong Dollar (HKD):
      - Short Position: Revised from 0.55% to 0.80%
      Please remember to review your open position and margin requirement regularly. Geopolitical and economic news and announcements may lead to increased volatility of the FX market. Please ensure there is sufficient funding in your Margin FX collateral account(s) and/or reduce the open position size accordingly.
    • From 7 Sep 2017, we will change the indicative rollover interest rate for the following currencies in the Margin FX Trading Services:
      1) Canadian Dollar (CAD):
      - Long Position: Revised from 0.10% to 0.35%
      - Short Position: Revised from 1.25% to 1.50%
      Please remember to review your open position and margin requirement regularly. Geopolitical and economic news and announcements may lead to increased volatility of the FX market. Please ensure there is sufficient funding in your Margin FX collateral account(s) and/or reduce the open position size accordingly.
    • From 14 Jul 2017, we will change the indicative rollover interest rate for the following currencies in the Margin FX Trading Services:
      1) Canadian Dollar (CAD):
      - Long Position: Revised from 0.00% to 0.10%
      - Short Position: Revised from 1.00% to 1.25%
      Please remember to review your open position and margin requirement regularly. Geopolitical and economic news and announcements may lead to increased volatility of the FX market. Please ensure there is sufficient funding in your Margin FX collateral account(s) and/or reduce the open position size accordingly.
    • From 16 Jun 2017, we will change the indicative rollover interest rate for the following currencies in the Margin FX Trading Services:
      1) US Dollar (USD):
      - Long Position: Revised from 0.25% to 0.50%
      - Short Position: Revised from 1.45% to 1.70%
      Please remember to review your open position and margin requirement regularly. Geopolitical and economic news and announcements may lead to increased volatility of the FX market. Please ensure there is sufficient funding in your Margin FX collateral account(s) and/or reduce the open position size accordingly.
    • HSBC WARNS AGAINST BOGUS COMMUNICATIONS THAT CLAIM TO BE FROM HSBC
      1. The Hongkong and Shanghai Banking Corporation Limited would like to alert its customers on bogus communications that claim to be from HSBC. (eg fraudulent telephone calls, voice messages, emails, SMS and communications in other formats)
      2. Customers are reminded not to provide any personal information to unsolicited callers. If customers are concerned they may have disclosed their personal details to any suspicious third parties, or want to identify whether the communication is from our bank they should call the HSBC Personal Banking Hotline at 2233 3000 or report to the Police.
      3. Techniques such as voice message phone calls or fraudulent SMS messages are being used to trick bank customers into calling bogus bank hotline numbers. We would like to inform customers that the Bank has no connection with these bogus communications.
      4. Suspicious voice message phone calls made from Interactive Voice Response system claiming to be from HSBC, disclosed that there are irregularities detected from the customers banking account or credit card, and requested customer to input personal information or contact operator for account authentication. Customers can know more on tips from our website of how to identify a fraudulent call and what you can do.
      5. Fraudulent SMS messages purportedly to be sent from a bank claimed that there were credit card transactions conducted using a customer’s credit card, and request the customer to call a bogus hotline number mentioned in the messages to check the credit card transactions. If customers find the service hotline number is suspicious, customer should verify the hotline numbers with the Bank before calling rather than just following the information provided in SMS messages.
      6. HSBC has not authorised or appointed any intermediaries to conduct telesales marketing activities for promotion of unsecured personal loans such as personal loan, tax loan and credit card. If the caller claims to be from HSBC or other financial institutions inviting applications for personal loan/tax loan/credit card, this is a suspected unauthorized telesales calls.
      7. If you prefer not to receive marketing information via telephone calls from HSBC, please inform us by calling 2233 3000 or mailing your request to The Hongkong and Shanghai Banking Corporation Limited, PO BOX 72677, Kowloon Central Post Office, Kowloon, Hong Kong or visiting any one of our branches. Please specify you would like to stop receiving telemarketing calls when making such request. We will arrange to have your contact phone details excluded from our marketing list without charge in 7 calendar days.
      8. Click here to watch the TV Announcement in the Public Interest (API) jointly produced by the Hong Kong Monetary Authority and the Hong Kong Association of Banks and relevant materials to understand how to safeguard yourself from bogus calls purported from banks.
    • Please note that the existing “Notice relating to the Personal Data (Privacy) Ordinance” will be updated in plain language Document starting June 2017. For details, please click here.
    • Please note that our existing Terms and Conditions for Stocks Monthly Investment Plan will be updated to plain language with effect from 28th July 2017. For details of the updates, please refer to the Notice of Changes .
    • Please note that Internet Banking Services for HSBC Premier Junior Pack will be discontinued from 12 Jul 2017. Please click herefor details.
    • Please note that the existing Overseas Securities Service Terms and Conditions and Terms & Conditions for Securities Margin Trading Service will be updated with effect from 8 June 2017. For details, please refer to the Notice of Changes.
    • Please note that Clause 1 of the Terms and Conditions for eAlerts Service and Clause 6.1.2 of the Integrated Account Terms and Conditions on scope of eAlerts Service will be updated with effect from 28 May 2017. For details, please refer to the Notice of Changes.
    • Starting from 1 June 2017, all new, replacement and renewal HSBC Visa Gold Card and HSBC Visa Card we issue will be embedded with Visa payWavecontactless payment function as a standard product feature. Please click here for details.
    • Please note that the existing Terms and Conditions for HSBC Internet Banking will be updated with effect from 8 June 2017. For details, please refer to the Notice of Changes.
    • Please note that the existing Integrated Account Terms and Conditions, Securities Account Terms and Conditions and Unit Trusts Account Terms and Conditions will be updated with effect from 8 June 2017. For details, please refer to the Notice of Changes.
    • The amendments on RewardCash Terms and Conditions will take effect from 1 April 2017.
      The amendments on Credit Card Cardholder Agreements will take effect from 1 May 2017.
      Please click here to read the Notice of Changes on on the Use of Personal Credit Cards for details.
    • Please note that our existing terms and conditions for (i) Personal Instalment Loan, (ii) Personal Tax Loan, (iii) Revolving Credit Facility, and (iv) Personal Overdraft Account will be updated with effect from 16 February 2017.
      - For details of the Personal Instalment Loan and Personal Tax Loan terms and conditions updates,   please refer to the Notice of Change - For details of the Revolving Credit Facility terms and conditions updates, please refer to the Notice   of Change - For details of the Personal Overdraft Account terms and conditions updates, please refer to the   Notice of Change
    • Effective from 14 Jan 2017, we will terminate the support for any existing Forex/RMB Switching instruction with expiry option specified as "until further notice". Please specify an expiry date for your Forex/RMB Switching instruction. Otherwise, for instruction without an expiry date, it will be cancelled automatically with effect from the Effective Date.
    • Please note that Credit Card Cardholder Agreement will be updated with effect from 23 February 2017. For details, please refer to the Notice of Change
    • From 1st Nov 2016, personal customers submitting payment instructions using non-bank’s standard forms or old version bank forms will no longer be accepted by the Bank. Please click here for details.
    • The amendment on RewardCash Terms and Conditions relating to Online Bill Payment will take effect from 1 November 2016. Please click here to read the Notice of Changes on RewardCash Programme Terms and Conditions for details.
    • Please note that the existing Wayfoong Statement Gold Account Agreement (applicable to non Integrated Account holders) will be updated to Plain Language Document with effect from 1 October 2016. For details of the updates, please refer to the Notice of Change .
    • If you would like to make ATM cash withdrawal in the Olympic game cities in Brazil using your HSBC UnionPay ATM card or UnionPay credit card, please click here to find the UnionPay ATM locations.
    • Plan ahead for overseas ATM withdrawal
    • Please note that Clause 17 of the Terms and Conditions for HSBC Internet Banking and the Terms and Conditions for eAlerts Service will be updated with effect from 8 August 2016. For details, please refer to the Notice of Change .
    • Please note that the sale of HSBC Brazil Brasil S/A - Banco M?ltiplo, HSBC Servicose Participacoes Ltda. and controlled subsidiaries was approved on 8 June 2016. For the details of the update, please refer to the Notice of Sale of HSBC Brazil business.
    • To keep you posted on your banking activities, with effect from 4 July 2016, HSBC will offer a series of Personal Banking Service Messaging Notification via SMS free-of-charge. For more details, please log on to Personal Internet Banking or click here.
    • Effective 30 April 2017, for cardholders who have set up autopay for credit card repayment, HSBC will enable auto-adjustment of autopay debit amount. After reducing credit transactions posted to credit card from last statement date, the adjusted amount will be debited on the due date.
    • Starting from 8 January 2017, the maximum Non-registered Accounts Daily Transfer Sub-limit at local HSBC or Hang Seng ATMs has been increased to HKD400,000. The maximum Daily Cash Withdrawal Limit for ATM cards has also been increased to HKD80,000. Please click here for details.
    • Please note that our existing Integrated Account Terms and Conditions will be amended with effect from 1 Oct 2016, and will be binding on you if you continue to use or retain the relevant account(s) on or after that date. For details, please refer to the Notice of Change .
    • With effect from 1st Aug 2016, a charge of HK$30 will be applied to personal customers who setup or amend each autoPay instruction through paper form. Please click herefor details.
    • This summer, Apple Pay will be available to both primary and additional card cardholders. Your additional cardholders may directly apply for Apple Pay using their additional credit cards. The use of Apple Pay will be governed by a new Mobile Credit Card Addendum to Credit Card Cardholder Agreement which will need to be accepted during service application. Please stay tuned for more information.
    • With effect from 28 August 2016, as part of our continued efforts to strengthen card security for credit card transactions, Personal Credit Card cardholders will receive notification via SMS or email for every successful Card-Not-Present (pCNPq) transaction made (except for recurring payments). CNP transactions include payments via the internet, telephone, physical mail and fax, without physical presentation of credit card. Cardholders can request not to receive notification for CNP transactions of HK$5,000 or less by logging on to HSBC Personal Internet Banking with Security Device / Mobile Security Key from 28 August 2016. Please be reminded that transactions will not be processed if no valid mobile number or email address is registered with HSBC. Please log on to HSBC Personal Internet Banking, call our customer service hotlines or visit our branches to update your mobile phone number or email address.
    • As part of our continued efforts to strengthen card security for credit card transactions, Personal Credit Card Cardholders will receive new HSBC credit cards with the latest chip format by phases starting from July 2016. Early renewal credit cards to replace existing chip-enabled credit cards will be delivered according to default method. Please refer to Notice of Replacement of HSBC Chip-Enabled Credit Cardsfor details.
    • Please note that our existing terms and conditions including the General Terms and Conditions, Terms and Conditions/Account Rules of Deposit Accounts, Safe Deposit Locker, ATM Card and Forex/RMB Switching Service, Super Ease Account and University Student Account will be amended with effect from 1 July 2016 (ATM Card Terms and Conditions effective 1 August 2016), and will be binding on you if you continue to use or retain the relevant account(s), product(s) or service(s) on or after that date. For details, please refer to the Notice of Changes
    • Please note that our existing Terms and Conditions for Margin FX Trading Services will be updated to plain language with effect from 24th June 2016. For details of the updates, please refer to the Notice of Changes .
    • Starting from 1 May 2016, all new, replacement and renewal HSBC Premier MasterCard? Credit Card, HSBC Advance Visa Platinum Card, HSBC Visa Signature Card and HSBC Visa Platinum Card we issue will be embedded with Visa payWave/ MasterCard contactless payment function as a standard product feature. Please click here for details.
    • Please note that our existing Margin FX Trial Account Terms and Conditions will be updated to plain language with effect from 17th March 2016. For details of the updates, please refer to the Notice of Changes
    • Please note that our existing Wayfoong Passbook Gold Account Agreement will be updated to Plain Language Document with effect from 11th April 2016. For details of the updates, please refer to the Notice of Changes
    • Important message for customers travelling to the UK. Effective from 30 March 2016, part of the existing UnionPay ATM network in the UK no longer supports UnionPay ATM cards and credit cards. However, around 60% of the UnionPay ATM network covering over 40,000 ATMs still accept these cards. UnionPay is also working to expand their network coverage. Please click here for details.
    • With effect from 1 March 2016, our existing terms and conditions applicable to the use of ATM Card (For Personal Account) will be revised and will be binding on you if you continue to use or retain your ATM Card on or after that date. For details, please refer to the Notice of Changes
    • HSBC will complete USD telegraphic transfer standardisation in Feb 2016. Overseas bank charges may change. Please click here for details.
    • HSBC introduces e-Cheque services in December 2015 as part of an industry wide launch of the new e-Cheque payment method in Hong Kong. A new tariff for these services comes into effect from 7 December 2015.
      Please click here for details.
    • With effect from 7th December 2015, Integrated Account Terms & Conditions, General Terms & Conditions (For Personal Sole Account, Joint Account and Business Account Holders) and Super Ease Account Terms & Conditions will be updated to cover e-Cheque Service. For details, please refer below Notice of Changes.
    • Amendment applicable to credit cardholder agreements and ancillary documents, and RewardCash Terms and Conditions with effect from 1 January 2016.The amendment relating to Mileage programme with effect from 4 January 2016.
      Please click here to read the Notice of Changes on the use of Personal Credit Cards for details.
    • Please note that our existing terms and conditions for (i) Personal Instalment Loan, (ii) Revolving Credit Facility, (iii) Personal Tax Loan, (iv) Personal Instalment Loan Balance Consolidation Program, and (v) Personal Overdraft Account will be amended to plain language with effect from 22 December 2015, and will be binding on you if you apply or continue to maintain the product on or after that date. For details of the updates, please refer to the Notice of Changes .
    • Please note that our existing terms and conditions for Interest-free Spending Instalment Plan applicable to Personal Credit Card Cardholders will be updated and amended with effect from 1 January 2016, and will be binding on you if you apply or continue to maintain the product on or after that date. For details of the updates, please refer to the Notice of Changes .
    • Effective on 27 August 2015, the merchants and entities who may participate in the Electronic Bill Presentment and Payment Service have been extended to cover departments of the Government of the Hong Kong Special Administrative Region and the related terms and conditions for such service have been amended. Please click here to read the Notice of Changes on the Terms and Conditions for Bill Payment and eBill Service for details.
    • Important Announcement on Greece
      Follow this link for details
    • In response to the recent changes in market condition, finance charge applicable to personal credit cards will be calculated at an interest rate of 2.625% per month, which is equivalent to an annualized percentage rate (APR) of up to 36.43% on purchase and 37.75% on cash advance inclusive of the cash advance fee and handling fee with effect from 1st Jul 2015 and will be binding on you if you continue to use or retain your card(s) after that date. For details of the amendments, please refer to the Notice of Changes on Personal Credit Card Interest Rates and Finance Charges.
    • To improve RMB service, from 18 December 2015, RMB cash withdrawal service will be extended to selected ATMs of Hang Seng Bank in Hong Kong.
    • Please note that the following existing documents will be updated to plain language with effect from 1st June 2015:
        • Terms and Conditions for HSBC'S eAlerts Service
        • Terms and Conditions for HSBC's eStatement and eAdvice Service
        • Terms and Conditions for Stock Alerts Services
        • Notes for Push Notification (if applicable) and Security
        • Important Notes (Applicable to HSBC Mobile App only)

      For details of the updates, please refer to the Notice of Changes.

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

    Maintenance Schedule

    To improve our service, we regularly provide service updates and maintenance to our banking services. During these periods, selected banking services may be unavailable. We apologise for any inconvenience.

    Check the tables below for more details of our maintenance schedule.

    Non-regular schedule

    SELECT OPTION
    #specific ATM services (3rd Party Transfer / Bill Payment / HKJC Telebet Deposit / MPF Account Inquiry etc.)
    1Self-service banking machines (include ATM / Cash Deposit Machines / Multi-function Machines / Cheque Deposit Machines / Passbook Update Machines / Foreign Currencies Machines / Gift Cheque Machines)

    Regular schedule

    SELECT OPTION

    2 except public holidays

    3 At HKT 13:00 for Renminbi(RMB) transfers

    4 except those days after public holidays