Spot Transactions | Overview | Foreign Exchange Currency

Spot Transaction

A Spot Transaction lets you exchange one currency for another at the current exchange rate - and the transfer takes place within two business days. (For some currencies the transfer can take place the next day - or even on the same day.)

How it works

To make a foreign exchange transfer, you have to be an HSBC Expat customer.

You can use Internet Banking to transfer up to GBP 30,000 (or the currency equivalent) to the UK or a bank in a different country.

You can also use our Global View and Global Transfers service to transfer up to USD 200,000 (or the currency equivalent) between your HSBC accounts, as long as each account is eligible and in a participating country.

You'll need to call us if you want to transfer more than GBP 30,000 (or the currency equivalent) to another bank or beneficiary. You'll also need your 10 digit PBN and 6 digit PIN when you call.

What it's good for?

  • When you need to make a one-off transfer straight away
  • Buying things online in a different currency
  • Buying foreign currency for a holiday abroad

You should be aware of the potential risk of foreign exchange rates changing. So when you convert your money back to the original currency, you may incur a loss as a result of movements in the markets.

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Call us to find out more about our foreign exchange services.

Already an HSBC Expat customer call:

+44 1534 616 162.

Please have your 10 digit PBN and six digit PIN to hand before you call.

New to HSBC Expat call:
+44 1534 616 055.


Already an HSBC Expat customer call:

+44 1534 616 162

Please have your 10 digit PBN and six digit PIN to hand before you call.

New to HSBC Expat call:

+44 1534 616 055

Calls may be monitored and/or recorded for security and service improvement purposes.

Featured product

Dual Currency Investments

Offers the potential to receive an enhanced yield, based on your view of future exchange rates.

Find out more

Talk to a specialist

Have over £60,000 (or currency equivalent) to transfer? Talk to our foreign exchange specialists, between 7.30am and 5pm (UK time), Monday to Friday.

Find out how