Plan Ahead for Overseas ATM Withdrawal

HSBC HK
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Travelling Overseas
ATM withdrawal

Activate your overseas ATM withdrawal limit before travel

Before you travel overseas, please set the overseas ATM withdrawal limit for your ATM/ debit card(s) or credit card(s). You can set the limit through HSBC Mobile Banking, Phone Banking, at any HSBC Branch or through any HSBC/Hang Seng ATM in Hong Kong.

Overseas cash withdrawal with your HSBC UnionPay ATM chip card

You can use your HSBC UnionPay ATM chip card for cash withdrawal at any overseas HSBC ATM¹ except in Argentina, France, Greece, Malta, Mexico, New Zealand and Turkey.

You can also use ‘Mobile Cash Withdrawal’ on the HSBC HK Mobile Banking app to get cash from non-HSBC Group ATMs that support UnionPay QR Code Withdrawal service in mainland China². Simply scan a QR code at the ATM to get your cash.

Apart from using your UnionPay ATM chip card, you can also withdraw cash at all overseas HSBC ATMs and PLUS/Cirrus ATMs with an HSBC PLUS ATM chip card or an HSBC Visa/MasterCard credit card.

To use the PLUS/Cirrus network, you can either:

Apply for an additional PLUS ATM chip card³by downloading the 'Plus ATM Chip Card Enrolment Form' from HSBC's website or by visiting any HSBC branch in Hong Kong, or
Link your bank account(s) to your personal HKD Visa/MasterCard credit card(s)⁴.

We've listed below the ATM cash withdrawal fee per transaction at overseas ATMs⁵ via different ATM networks for your easy reference:

Cash withdrawal fee per transaction	PLUS/Cirrus ATM Network	UnionPay ATM Network
Overseas ATM cash withdrawal	HKD40	HKD50

The transaction fees for ATM cash withdrawals are subject to change from time to time.
Please refer to the latest bank tariffs at https://www.hsbc.com.hk/personal/fees-and-charges.html for details.

Smart tips for travelling:

The foreign currency transaction amount is converted into HKD using an exchange rate set by UnionPay on the transaction date without conversion charges.

You should try on another ATM machine or stay within HSBC ATM’s network (if any). Unfortunately, entering “0000” or the first 4 digits of your 6-digit PIN won’t work.

When performing ATM balance enquiry from an overseas ATM machine, you will typically be asked to select an account. Different accounts will be accessed depending on the option selected:
Option selected at overseas ATM	Account accessed
Default account	The account printed on the ATM chip card (typically HKD Savings account)
Savings account	The account printed on the ATM chip card (typically HKD Savings account)
Checking account	Any additional account linked with the card which is a “current account”
Credit account	Transaction will be rejected

When performing ATM balance enquiry from an overseas ATM machine, you will typically be asked to select an account. Different accounts will be accessed depending on the option selected:
Option selected at overseas ATM	Default account
Account accessed	The account printed on the ATM chip card (typically HKD Savings account)

Option selected at overseas ATM	Savings account
Account accessed	The account printed on the ATM chip card (typically HKD Savings account)

Option selected at overseas ATM	Checking account
Account accessed	Any additional account linked with the card which is a “current account”

Option selected at overseas ATM	Credit account
Account accessed	Transaction will be rejected

However, some overseas ATMs do not offer any option. The account printed on the UnionPay ATM chip card will be accessed, subject to any restriction imposed by the overseas ATM.

Overseas purchase and cash withdrawal with your HSBC Mastercard® Debit Card

You can use your HSBC Mastercard® Debit Card for making overseas purchases and cash withdrawals from HSBC Group ATMs anywhere in the world.

We won’t charge you handling fees for any transaction at home or abroad. You can also withdraw cash from HSBC Group ATMs anywhere in the world, with no handling fees. Your purchases and cash withdrawals in 12 major currencies can be debited directly from the corresponding foreign currency deposits in your HSBC integrated account. These currencies include HKD, USD, GBP, JPY, RMB, EUR, THB, AUD, NZD, SGD, CAD and CHF. Any purchases outside of these currencies will be settled in HKD according to the prevailing exchange rate.

Smart tips for travelling:

It will depend on the transaction currencies.

Supported currencies (including USD, GBP, JPY, RMB, EUR, THB, AUD, NZD, SGD, CAD and CHF):

Transactions will be deducted from the respective foreign currency account (no FX rate will apply). Unless there is insufficient foreign currency account balance, the full amount of the transaction will be converted to HKD using HSBC rate. Preferential rate for segments (HSBC Premier Elite, Premier and One) will apply automatically.

Unsupported currencies eg KRW, TWD:

FX rate adopted by Mastercard on the posting date will be used for the foreign currency transaction clearing.

This is caused due to:

Abnormal status of foreign currency account.
Dynamic Currency Exchange (DCC) arrangement by merchants. This is a direct arrangement offered by the merchant or the ATM operator, but not by us.

You should try on another ATM machine or stay within HSBC ATM’s network (if any).

Unfortunately, entering “0000” or the first 4 digits of your 6-digit PIN won’t work.

When performing ATM balance enquiry from an overseas ATM machine, you will typically be asked to select an account:

Default account, Savings account, Checking account, and Credit account.

Regardless of the choice, the available balance of the HKD Savings account will be shown converted into the currency of the ATM location.

Alternatively, you may find the balance through HSBC HK App or HSBC Online Banking.

The PIN of HSBC Mastercard® Debit Card is for ATM transactions only. You should not enter any PIN for purchase.

Please inform merchant that your card does not require a PIN for purchase.

Remarks:

To locate our ATMs in different countries/regions, please visit the UnionPay International website www.unionpayintl.com and select "ATM Query" for more information on the alternative networks which support UnionPay ATM cards.
Please visit the UnionPay International website to see which banks support withdrawals through the UnionPay QR Code Withdrawal service.
Please note that the new PLUS ATM chip card will be linked to the HKD current account of any HSBC integrated account. If you wish to use overseas ATM services with this PLUS ATM chip card, please maintain sufficient funds in your HKD current account before departure.
After linking your bank account(s) to Visa/MasterCard credit cards, you may access your bank account(s) through the PLUS/Cirrus ATM network. In the event that any particular ATM does not show account selections (this will vary from bank to bank and account selection service may not be available), a cash advance fee will be charged for a cash withdrawal from your credit card account.
Overseas local bank surcharge may be levied (if applicable).

If there is any discrepancy between the English and Chinese versions, the English version shall prevail.

November 2022

Issued by The Hongkong and Shanghai Banking Corporation Limited

Emergency encashment service

If you want to know more about an overseas ATM withdrawal or if you need emergency cash assistance overseas, please visit our website www.hsbc.com.hk or call our customer service hotlines as follows:

HSBC Premier customers: (852) 2233 3322
All other customers: (852) 2233 3000

Plan ahead for overseas ATM withdrawal

Activate your overseas ATM withdrawal limit before travel

Overseas cash withdrawal with your HSBC UnionPay ATM chip card

Smart tips for travelling:

What FX rates will apply for my HSBC UnionPay ATM chip card for foreign currency cash withdrawal transactions?

The overseas ATM machine asks me for a 4-digit PIN while my ATM chip card has a 6-digit PIN. What should I do?

When I perform ATM balance enquiry from an overseas ATM machine, what balance will be shown?

Overseas purchase and cash withdrawal with your HSBC Mastercard® Debit Card

Smart tips for travelling:

What FX rate will apply for foreign currency transaction on my HSBC Mastercard® Debit Card?

I have sufficient foreign currency in my account. Why is HKD deducted?

The overseas ATM machine asks me for a 4-digit PIN while my Debit Card has a 6-digit PIN. What should I do?

When I perform ATM balance enquiry from an overseas ATM machine, what balance will be shown?

What should I do when the overseas merchant asks me to input a PIN for purchase? I don’t usually need it for purchase in HK.

Emergency encashment service