Everything you need to know about opening an Expat account.
Questions about your new account?
If you've applied for an account with us, you should hear back within 10 days. In the meantime, you can find answers to some common queries, here.
Frequently asked questions
I've applied for an account - what happens next?
If we have everything we need from you, you should expect to receive your welcome email in 7 to 10 days. If we need any more information we'll get in touch.
If you haven’t already provided them, we'll need the following before we can start to review your application:
A valid identification document, such as a current passport
Proof of address, such as a utility bill issued within the last 4 months
You'll receive either a text message or email from us with instructions on how to send these.
For your application to be successful, you'll also need to meet the eligibility requirements detailed during your application. If you don't meet these, your application may not be processed or you may incur charges.
Here’s a reminder of the HSBC Expat eligibility criteria...
You must meet at least one of the following conditions:
Save or invest at least £50,000 (or currency equivalent) with HSBC Expat within 3 months of opening your account
Have a salary of £100,000 (or currency equivalent)
Already be an HSBC Premier customer in another country or region
Once your account is open you'll need to place funds into it within 3 months or it may be closed.
I haven't had a confirmation email - have you received my application?
You should have seen a confirmation screen when you completed your application, that means you've submitted it. Don't worry if you don't get confirmation by email straight away, this should arrive within 2 working days.
If you still need to give us ID or proof of address, you'll get an email or text message in the next couple of days explaining how to send these.
How long will it take to get my account?
Once we've received your application form, ID and proof of address, it usually takes 7 to 10 days to open your account. If we need any further information during this time, we'll contact you. Some accounts may take longer to open but we'll let you know if this is the case.
If it's been more than 10 days since you applied, or since we last contacted you, please call us on +44 1534 616055.
I wasn't able to submit my ID - what should I do?
If you didn't manage to complete your ID verification, you'll receive a text message or email from us that will enable you to complete this step. You'll usually receive the message within 24 hours of submitting your application form. We won't start the review of your application until we've received ID and proof of address from you.
I wasn't able to upload proof of address - what should I do?
If you didn't manage to upload your proof of address, you'll receive a text message or email from us that will enable you to complete this step. You'll usually receive the message within 48 hours of submitting your application form. We won't start the review of your application until we've received ID and proof of address from you.
How do I access my account once it's open?
Once you receive your welcome email you'll be able to register for mobile and online banking - these are both quick and easy ways to access your accounts.
If you'd like to get ready, you can download the mobile app now. Just go to your app store and search for HSBC Expat.
When your account has been opened you’ll receive an email with all the information you need to get started. This will include how to register for mobile and online banking and how to transfer funds into your account.
What happens if I don't use my account?
All our accounts need money in them to stay open. If you have accounts that don't show a balance or any transactions in a 12 month period these will automatically be closed. (Please see our terms and conditions for more information).
Do I get a debit card with my account?
You won't get a debit card with an Expat Bank Account or savings account. But our Global Money Account does come with a debit card. You can apply for Global Money once you have another account with us and you're registered for mobile banking (subject to eligibility).