Express Banking

Benefits

• Manage up to three HSBC accounts on one card; transfer up to the available balance of these accounts
• Withdraw up to HKD80,000 per day. Please click here [PDF] for more information.
• To strengthen security controls for ATM services, the overseas ATM daily withdrawal limit (including cash advance) is pre-set to zero.
• Withdraw up to HKD40,000 per day on credit card (cash advance) or up to your credit limit, whichever is lower
• Up to HKD400,000 daily transfer limit¹ to non-registered accounts
• The daily limit for Payment by Phone Service (PPS) is HKD100,000 per card
• The daily limit for Purchase via EPS or UnionPay is HKD50,000 per card
• A shortcut of HKD cash withdrawal function² is available for you to withdraw the same amount of cash from the same debit account as in the most recent HKD withdrawal transaction

¹ The maximum daily transfer limit is HKD400,000. This limit is shared by all the available channels (the respective maximum sub-limit for local ATM and Personal Internet Banking is HKD400,000, and for overseas ATM and phone banking is HKD50,000. Please click here [PDF]. for more information).

² It is only applicable to local HSBC personal ATM cards and credit cards (linked with more than one personal accounts) and available at all local HSBC ATMs.

• Deposit up to 150 notes each transaction
• Daily maximum deposit HKD100,000
• Accepts denominations of HKD100, HKD500 and HKD1,000
• Real time credit to bank account
• No PIN required
• Verifies account name, number and amount before confirming transaction

These perform the same functions as an ATM and cash deposit machine (with deposit up to 100 notes each transaction) combined, with the exception of the envelope deposit service.

• Bulk deposit up to 30 cheques at once
  
• Comprehensive advice includes cheque image, cheque amount and deposit account name³
  
• Accepts local clearing HKD and USD cheques
  
• Use card or account number to deposit cheque
  
• Cheque deposit record displayed instantly⁴
  
• Cut-off time for machines operating 24/7 is 5:30pm Mondays to Fridays (except public holidays). Cut-off time for other machines located inside branches is 4:30pm on Mondays to Thursdays and 5:00pm on Fridays (except public holidays)⁵
  
• Same processing time⁶ as deposit via counter or Cheque Drop-in Box

³ Not applicable to USD cheques.

⁴ HKD cheques (except USD Cheques) deposited before cut-off time are shown in your account with ledger balance updated instantly. The funds will become available balance only when the cheque is successfully cleared.

⁵ If severe weather conditions* are in effect after 9:00am on Mondays to Fridays (except public holidays), cheque deposit machines will generally stop services within 2 hours and resume services after 5:35pm. The actual service suspension time will depend on individual circumstances.

⁶ If severe weather conditions* are in effect before 9:00am and cancelled after 12:00pm on a business day (ie Monday to Friday except public holidays), only those cheques deposited before the cut-off time on the previous business day will be processed and cleared (the funds will become available balance after 3:00pm upon successful clearance). All other cheques deposited will be processed on the next business day (if not affected by severe weather conditions*).

   If severe weather conditions* are in effect after 9:00am or cancelled before/ at 12:00pm on a business day, cheque will be processed and cleared as usual.

^* Severe weather conditions refer to the Hong Kong Observatory issuing Typhoon Signal No. 8 or above and/or Black Rainstorm Warning, or the HKSAR Government announcing an "Extreme Conditions".

Update HKD or CombiNations savings accounts passbooks.