Relationship Balance explained: HSBC Expat

Why HSBC Expat

Relationship Balance explained

Your Relationship Balance is the total average credit balance, calculated every calendar month, of all your HSBC Expat accounts and any investments you have with HSBC Fund Administration (Jersey) Limited or HSBC Funds Nominee (Jersey) Limited - as long as they're all in the same name(s).

To bank with HSBC Expat you need a minimum Relationship Balance of £25,000 - or £60,000 for our HSBC Premier service. You can have as many offshore accounts and investments as you want, as long as your Relationship Balance doesn't fall below the minimum amount.

To find out more about how we calculate your Relationship Balance, download our Personal Banking Terms of Business PDF

Our Personal Terms of Business document is in PDF format. To read it, you'll need version 5.0 or above of Adobe® Acrobat® Reader™

Our expat services

We offer two service levels - HSBC Advance and HSBC Premier.

To qualify for HSBC Advance, your minimum Relationship Balance must be £25,000. There's no monthly fee for our Advance service, but you'll be charged a £15 underfunding fee for any month when your Relationship Balance falls below £25,000.
To qualify for HSBC Premier, your minimum Relationship Balance must be £60,000. As an HSBC Premier customer you'll enjoy range of exclusive benefits. There's no monthly fee, but you'll be charged a £35 underfunding fee for any month when your Relationship Balance falls below £60,000.

Compare our offshore services

Are you already a HSBC Premier customer?

If you're already benefiting from our HSBC Premier service with another part of the HSBC Group, you automatically qualify as an HSBC Premier customer with us - and you don't have to maintain a minimum Relationship Balance of £60,000.

To apply for an HSBC Expat account, contact your local Relationship Manager or Premier Contact Centre and tell them you'd like to open an offshore account with HSBC Expat. They'll get in touch with us and we'll work together to arrange everything for you.

Currency equivalent applies to all the figures quoted on this page.

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Relationship Balance explained

Why HSBC Expat