HSBC Expat | Frequently Asked Questions

Our Internet Banking service is fully compatible with the following to operating systems and internet browsers, and when used together will provide the optimum experience:

• Microsoft Windows 7 with Microsoft Internet Explorer 8 or Internet Explorer 9
• Microsoft Windows Vista with Internet Explorer 7 or Internet Explorer 8 or Mozilla Firefox 7.0.1
• Microsoft XP with Internet Explorer 7 or Internet Explorer 8 or Mozilla Firefox 5.0.1
• Apple OS 10.6.8 (Snow Leopard) with Apple Safari 5.0.5 or Mozilla Firefox 7.0.1

Other internet browsers
Other internet browsers or versions may be used, however we regret at the present time we are unable to provide technical support for them and you may experience some minor issues such as misaligned text, images or text boxes.

For your security and convenience we regularly test our Internet Banking service on new internet browsers to ensure that we maintain the highest standards.

You can view a range of account details online including:

• current interest rates
• accrued credit interest
• accrued debit interest
• next payment date for standing orders and Direct Debits

• For current and savings accounts you can view account transactions for the last 12 months
• For credit cards you can view transactions from your last statement, and any transactions made since your last statement.
• For fixed deposits you can view account transactions for the last 12 months.

Yes. And you can do it in a wide range of currencies for a term of up to 12 months. Our Rates Enquiry tool will give you current interest rates and the minimum deposit for each currency.

Yes. You can view the latest value of all the investments you hold with HSBC Funds Nominee (Jersey) Limited. You can also place orders to sell and switch investments, or add funds to any of your existing investments (where the fund type allows).

If you're interested in investing in other HSBC Expat funds, take a look at the options in our Investments section. Or call us on
+44 1534 616 313 if you're an HSBC Premier customer - and on
+44 1534 616 212 if you're an HSBC Advance customer.

HSBC's offshore Mobile Banking service enables you to manage your money on the move wherever you are.¹

On a Smartphone, such as an iPhone, you can carry out the majority of day-to-day transactions in the palm of your hand.²

Yes. Simply choose Change memorable question & answer or Change Internet Banking password from the Services menu. The changes will be made as soon as you confirm them. To keep your account secure, we recommend you change your memorable answer and password regularly - at least every 90 days.

Any new accounts you open will appear automatically in your Internet Banking profile. You can choose which accounts you want to view on Internet Banking by clicking Select Accounts.

Yes. Simply choose the Stop Cheque option from the Services menu. You can only use this service to stop a cheque if:

• the cheque has been issued from your GBP offshore bank account
• the cheque has not been guaranteed by your cheque guarantee card on or before 30 June 2011
• the cheque has not already been debited from your account

If you have any questions about stopping a cheque, call us on
+44 1534 616 313 if you're an HSBC Premier customer - or on
+44 1534 616 212 if you're an HSBC Advance customer.

Yes. You can change your phone number, address and other personal details by selecting Update personal information or Update correspondence address from the Services menu. To protect yourself against identity theft, we recommend you check your personal details regularly to make sure they're up to date.

Yes. You can use the Send Message service in your Internet Banking Contact Centre to send us secure e-Messages about your account. (Please don't use this service to send us transfer requests or other urgent instructions.)

Yes. There's a Print option at the top of each page, within the grey bar.

We can confirm your Internet Banking username over the phone. Call us on +44 1534 616 313 if you're an HSBC Premier customer - or on +44 1534 616 212 if you're an HSBC Advance customer. For security reasons, we'll ask you to confirm your 10-digit Personal Banking Number and 6-digit Direct Banking PIN. So please have these details to hand when you call.

You'll find your PBN on the welcome letter (or email) we sent when you opened your offshore account with us. We also sent your Direct Banking PIN to you separately by post. If you know either your PBN or PIN, please call us on +44 1534 616 313 for Premier customers or +44 1534 616 212 if you're an HSBC Advance customer and we will be able to help you.

If you can't remember both your PBN or PIN, just send an email to expat@hsbc.com requesting that we resend these details to you.

Your IBAN can be found on your welcome letter/email, your statements and when you log on to Internet Banking.

To find your IBAN when you're logged on to Internet Banking:

• click Account Summary
• select the relevant account number
• click Account Overview.

You'll be asked for your IBAN - and the associated BIC - if you want to transfer money to one of your accounts from most countries in mainland Europe.

• The BIC for GBP accounts is MIDLGB22.
• The BIC for accounts in any other currency is MIDLJESH.

Your transfer could be delayed or refused - and you might have to pay an extra fee.

Yes. You can transfer money to more than 60 countries in a wide range of currencies. To make a transfer, you'll need the following information:

• recipient's name and account number
• recipient's bank name and address
• UK sort code (if applicable).

For foreign exchange transfers over £30,000 (or the currency equivalent), please call us on +44 1534 616 162.

The cut-off times for Internet Banking transfer requests are:

• 18.00hrs - for transfers between your HSBC Expat accounts
• 12.30hrs - for GBP (£) transfers to the UK
• 10.30hrs - for GBP (£) transfers overseas
• 13.00hrs - for non-GBP transfers overseas.

Transfer requests made after these times will be handled on a best endeavours basis but may not be handled until the following working day. All times listed are GMT/BST.

We have limits for the combined amount you can transfer via Internet Banking and our automated Telephone Banking service in a 24-hour period.

These transfer limits are:

• £500,000 between your HSBC Expat accounts
• £30,000 within and outside the HSBC Group
• £30,000 (or the currency equivalent) for transfers involving foreign exchange
• £10,000 to pay UK bills.

If your transfer request exceeds any of these limits, a warning message will appear on your screen. You can ask us to process your request by calling us on +44 1534 616 313 if you're an HSBC Premier customer - or on +44 1534 616 212 if you're an HSBC Advance customer. Sometimes we'll ask you to confirm your request by fax.

Please note: These transfer limits may change. And transfer requests made via Internet Banking could be subject to extra security checks.

Yes. You can set up payments to be processed on a set date each month.

There's also a standing order/Direct Debit facility that lets you set up regular sterling transfers to the UK from an Offshore Bank Account. And you can view, change or cancel any transfers set for a future date.

To protect your account, we ask you to confirm each transfer request before we process it. When you click Confirm, you'll receive a unique Transaction Reference. This reference is proof that your request has been accepted. You can also find the Transaction Reference on the Acknowledgement page - and you should use it if you have any queries about a transaction.

We'll also send secure e-Messages to your Internet Banking Contact Centre to confirm we've received your transfer request - and to let you know when we're processing it and when it has been completed.

If you've requested an immediate transfer, you might not be able to stop it.

You can cancel any future or recurring payments up to 24 hours (business days only) before the scheduled processing date. For Standing Orders and Direct Debits from an offshore account to the UK you need to give us 3 working days notice.

To cancel or change a transaction, choose Cancel or Change from the Future Transfer menu. Or call us on +44 1534 616 313 if you're an HSBC Premier customer - and on +44 1534 616 212 if you're an HSBC Advance customer.

Yes. And you can make these transfers immediately or schedule them for a future date.

Global View enables customers to access and manage the HSBC bank accounts they hold around the world through one single logon. With Global View you can:

• View balances for all your HSBC accounts together on one screen.
• Launch the local online banking service for any account, so you can manage that account from wherever you are in the world.

You can currently link HSBC accounts from 39 different countries to Global View. Click here for a full list of countries.

Global Transfers is an enhancement to Global View that allows you to transfer money between eligible accounts held in the different participating HSBC countries that you have linked to Global View. With Global Transfers you can:

• Make real-time transfers 24 hours per day, 7 days a week.
• Schedule one-off or recurring transfers between your accounts.

You can currently transfer between 36 different countries with Global Transfers. Click here for list of countries.

You may not be able to view all your HSBC accounts through Global View or make Global Transfers between them if the account holding country doesn't currently offer the Global View and Global Transfers service. We are constantly adding to the list of countries that offer Global View and Global Transfers.

You can currently link HSBC accounts held in the following countries to Global View:

*countries without Global Transfers service

Australia
Bahrain
Bermuda
Brazil
Brunei
Canada
Cayman Islands
China
Columbia *
Egypt
France
Greece
Hong Kong
India
Indonesia
Japan *
Jordan
Lebanon
Malaysia
Malta
Mexico
New Zealand
Oman
Pakistan
Paraguay
Philippines
Qatar
Singapore
South Korea *
Sri Lanka
Taiwan
Thailand
UAE
UK
USA
Vietnam

To access these services you have to be an HSBC customer and be registered for Internet Banking.

To link your HSBC accounts into Global View:

• log on to Internet Banking
• select Go to Global View at the top of the left hand column
• follow the simple steps to link your HSBC accounts.

When your accounts are linked, you can start using Global Transfers.

So long as the account is linked to the same Global View profile and has been identified by the account owning country as being able to send or receive transfers, you will be able to use the account within Global Transfers.

You can not send money from or to an account that is either not linked through Global View or belonging to an HSBC entity that has not launched the Global Transfers service. Only accounts that belong to the same person can be linked together through Global View.

A small number of currencies can only be traded on-shore due to local regulatory restrictions, and although these currencies will still be available for you to transfer in, there may be a short delay in processing these transactions.

There is an option available within Global View called "Global Transfers". Upon selecting the Global Transfers option;

• Step 1 - Use the drop-down lists to select the country of the account you wish to debit and credit (only countries that are part of Global Transfers will appear in the lists and you can not select the same country for debit and credit)
• Step 2 - Select the actual accounts to debit and credit and specify the amount of the transfer
• Step 3 - We will confirm the information back to you, including a rate if foreign exchange is involved
• Step 4 - When you have confirmed the details, the transfer request is accepted

Once we have accepted a transfer request, it can not be cancelled unless it is a future one-off or recurring transfer. If you wish to cancel an immediate transfer, you will need to input another transfer to send the money back again. To see for yourself please take a look at the online demo of the service.

Global Transfers are free to HSBC Premier customers.

HSBC Advance customers are charged a fee for each transfer made. The fee charged will be in the currency of the account the transfer is being debited from. Please see the Global Transfer Fee Tariff below: