International transactions

For immediate transfers in online, mobile and phone banking, we provide live exchange rates which are updated every 40 seconds between:

• the opening of the Hong Kong market on Monday morning local time
• the closure of the New York market on Friday afternoon local time

Live rates won't be available on public holidays or if we have to close unexpectedly.

Transfers made outside live rate hours will be based on the most recent exchange rates from the close of business the previous day and will include an additional premium.

If you're setting up the transfer for a later date, the exchange rate will be the rate that applies at the time of the transfer.

Our exchange rate margins are tiered, so better foreign exchange rates are available for higher transfers.

If you need to convert currency on a regular basis, you can fix your exchange rate in advance. You can also get enhanced pricing if you convert large amounts of currency each year. For further details, speak to your Relationship Manager.

Transfers to other HSBC accounts are generally processed instantly.

If you are a Premier customer, there is no charge to make transfers between HSBC accounts. For Advance customers there is a GBP 5 charge (or currency equivalent) to transfer funds to HSBC accounts, other than HSBC Expat.

There are no correspondent bank charges associated with HSBC to HSBC payments.

For further information, please refer to the tariff of charges.

AED, AUD, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HKD, HUF, JPY, NOK, NZD, PLN, SAR, SEK, SGD, THB, USD, ZAR.

The following applies to payments to accounts outside HSBC.

There is a daily limit of GBP 100,000 for international payments made through the HSBC Expat Mobile Banking app.¹ Please call us if you need to transfer more than this amount.

Payments made using the HSBC Expat Mobile Banking app (version 3.17 and newer) will be fee-free until 31 March 2023. There are no correspondent bank fees. Please note, some banks may charge to receive international payments.

Please see the tariff of charges for further details.

Our standard transfer time for payments made to non-HSBC accounts through the mobile banking app is 1 to 3 days.

AED, AUD, BHD, CAD, CHF, CNY, DKK, EUR, GBP, HKD, JPY, MXN, NOK, NZD, OMR, QAR, SEK, SGD, USD, ZAR, THB.

Explore the most frequently asked questions (FAQs) about payments using mobile banking to find the answers you might need to know.

The following applies to payments to accounts outside HSBC.

There is a daily limit of GBP 100,000 for international payments made in online banking or the HSBC Expat FX App¹. Please call us if you need to transfer more than this amount.

International payments may also be subject to correspondent bank charges up to USD 90.

Please see the tariff of charges for further details.

International payments sent through online banking or the HSBC Expat FX app generally arrive within 2 to 5 business days.

AED, AUD, CAD, CHF, CZK, CNY, DKK, EUR, GBP, HKD, HUF, ILS, JPY, NOK, NZD, PHP, PLN, SAR, SEK, SGD, THB, USD, ZAR.

The following applies to payments to accounts outside HSBC.

There are no daily limits on the amount of funds you can transfer using the telephone banking service.

International payments may also be subject to correspondent bank charges up to USD 90.

Please see the tariff of charges for further details.

International payments sent through telephone banking generally arrive within 2 to 5 business days.

AED, AUD, CAD, CHF, CZK, CNY, DKK, EUR, GBP, HKD, HUF, ILS, JPY, NOK, NZD, PHP, PLN, SAR, SEK, SGD, THB, USD, ZAR.

Log on to enter your payment or transfer details.

Log on to the app and select 'Pay and Transfer' to begin.

Call us to pay or transfer any amount. Please have your 10 digit PBN and 6 digit PIN to hand before you call.

Premier customers: +44 1534 616 313

Advance customers: +44 1534 616 212

You can make a sterling transfer from the UK to your HSBC Expat sterling current account using CHAPS. You will need to quote your:

• name
• 6 digit sort code (40-61-62)
• 8 digit account number

For sterling current accounts only, your account's 6 digit sort code (40-61-62) and 8 digit account number is displayed as the last 14 digits of your account's IBAN number.

If you are making a sterling transfer from the UK to a sterling savings account or an account which is held in any other currency than sterling, you must quote your account's IBAN number along with the associated BIC/SWIFT code MIDLGB22 when you make the transfer.

If you receive a payment or transfer to your HSBC Expat account from overseas in a different currency to your account, we convert it using the HSBC Exchange Rate at that time before crediting it to your account.

To receive a payment, you must provide the sending bank with these details:

• the amount and the currency
• your full name and address
• your IBAN - this is your international bank account number
• our correspondent bank details for the currency
• our account name - HSBC Bank plc Jersey branch
  
• our SWIFT address - MIDLJESH
   

They will need to send:

• an 'authenticated SWIFT MT103 message' to our SWIFT address with your name, address, IBAN and currency details 
• a 'SWIFT cover (MT 202) payment message' to our correspondent bank

To save you time entering the correspondent bank details, you can download our interactive form which pre-fills the relevant sections when you select the currency.

If you need to check on when you will receive the payment, you should contact the sending bank as it's dependent on their processing times.