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Multi currency bank accounts

Offshore accounts in multiple currencies

Open your first HSBC Expat account to get £200 on us*, plus reduced investment fees and better rates on forex.

*Or currency equivalent. Limited offer ends 31 March. Terms and Conditions apply (PDF)

Fluent in 19 different currencies

Our multi-currency bank accounts, foreign currency savings accounts and forex solutions make it easy for you to get the most of your money while living or working abroad.

What we offer

  • When you make a qualifying transaction over the phone or using the HSBC Expat FX app. Limited offer ends 31 March. Terms and conditions apply (PDF).
  • Manage your forex needs with our FX App and bespoke services.
  • Current account available in GBP, USD and EUR
    Keep your account in one place while you focus on expat life.
  • Saving accounts in most major currencies
    Choose between instant access and fixed-term savings accounts.

FX services

FX App

Enjoy exclusive rates, set up limit orders to automatically convert your money when it hits the desired rate, and access live market insights.

Personalised FX plan

Get rewarded for your loyalty, with personalised rates offered exclusively for customers who have exchanged over USD 325,000 or currency equivalent in the previous year. 

Limit orders

Set up a Limit Order on our FX app or over the phone, and we’ll convert your currency as soon as the exchange rate reaches the agreed level. 

Fee-free global transfers

Move up to USD 200,000 or the currency equivalent between your eligible accounts in online banking or via the FX app.

To benefit from our FX services you’ll need to become a HSBC Expat customer.

Our expat bank account stays with you, no matter where life takes you

No matter how many times you move to a different country, your account with us stays the same. And to make life a little bit easier, you can view all of your international HSBC accounts with a single log on.

  • Open your first HSBC Expat account and get £200 on us*
    When you fund £50,000 and register for digital banking within 3 months of opening your account.
    *Or currency equivalent. Limited offer ends 31 March. Terms and conditions apply (PDF)
  • Enjoy an extra 0.20% AER / Gross welcome bonus interest on GBP, USD, HKD and AED Fixed Term Deposit accounts opened within 90 days of opening your first Expat bank account. Terms and conditions apply (PDF)
  • Current accounts available in Pound sterling, United States dollar and Euro
  • Choose to open additional savings accounts in Hong Kong dollar, United Arab Emirates dirham, Australian dollar and up to 16 other currencies
  • Access to your accounts via our mobile banking app, online banking and telephone banking
  • Visa debit card available in sterling and US dollar, with contactless payments on US dollar
  • Complimentary travel security services from WorldAware®
  • Receive personal support from our offices in Jersey (Channel Islands) and Hong Kong
  • Get help setting up your local bank accounts for when you arrive in a new country
  • Enjoy all the benefits of the HSBC Premier service including a Premier Relationship Manager to help you manage your currency needs

Your Expat account provides a place for your money to grow in a convenient, central location. It connects to your home account, for financial commitments in your home country, and to your local accounts, for everyday expenses in the country you’ve moved to. Allowing you to manage all your eligible HSBC accounts from one place.


New HSBC Expat customers must be 18 years or over and meet one of these criteria:

  • hold a minimum of £50,000 (or currency equivalent) with us
  • have a sole salary of £100,000 (or currency equivalent)
  • have already qualified for HSBC Premier in another country

How to apply

Not yet an HSBC Expat customer?

You're only a few steps away from joining us online.

Things you should know

Your Expat bank account will be held in Jersey, Channel Islands, a secure offshore jurisdiction and one of the world's leading and best-regulated international finance centres as recognised by the Organisation for Economic Cooperation and Development (OECD).

We may not be able to offer accounts in every country or region1

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Get a range of offers on banking, wealth and foreign exchange.


Move money between your HSBC accounts online within minutes.


Exchange rates are constantly moving, based on supply and demand.


Find out what a limit order is and how it could be useful.

1HSBC Expat products and services are available only in jurisdictions where and when they may be lawfully offered by us. The material on these pages is not intended for use by persons located in or resident in jurisdictions which restrict the distribution of this material by us. Persons accessing these pages are required to inform themselves about any relevant restrictions and observe them. Not all products or services mentioned on this website will be available to residents of all countries/regions, due to HSBC Policy.

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