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Legal information

HSBC Expat is a division of HSBC Bank plc, Jersey Branch.

HSBC Bank plc, is registered in England and Wales number 14259. Registered office 8 Canada Square, London, E14 5HQ.

HSBC Expat products and services are available only in jurisdictions where they may be lawfully offered by us. The material on these pages is not intended for use if you are located in or resident in jurisdictions which restrict the distribution of this material by us. You are required to inform yourself about any relevant restrictions and observe them. Not all products or services on this website may be available in all countries or regions.

Important Information

Website Terms

Before using this website (the “Site”), you should read the Terms carefully, as well as our Cookie Notice and Website Privacy Notice. By accessing this Site, you agree to be bound by the Terms.

References to 'you', 'your' and 'yours' are references to the person(s) accessing the Site.

References to 'we', 'us' and 'our' are references to HSBC Expat. References to the 'HSBC Group' are references to HSBC Holdings plc, its subsidiaries, associated and affiliated companies.

HSBC products and services are subject to their own terms & conditions. These Terms may change from time to time without notice. 

Country Guidelines

Not all products, services and investments described on this Site are available in all places. Some are available on a limited basis only, due to local regulatory and legal requirements. The material on these pages is not intended for use by you if you are located in a place which restricts the distribution of this material by us. You should inform yourself about and observe any relevant restrictions.

This Site does not constitute an invitation to buy or the solicitation of an offer to sell investments in any place to any person to whom it is unlawful to make such an offer or solicitation in such place.

Our Information

HSBC Expat is a division of HSBC Bank plc, Jersey Branch. Head Office: HSBC House, Esplanade, St Helier, Jersey JE1 1HS.

HSBC Bank plc, Jersey Branch is regulated by the Jersey Financial Services Commission for Banking, General Insurance Mediation, Investment and Fund Services Business. HSBC Bank plc, incorporated and registered in England and Wales number 14259, with limited liability. HSBC Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (UK FCA reference number: 114216). UK registered office: 8 Canada Square, London, E14 5HQ.

Our services are provided from Jersey and the laws are those of Jersey.

HSBC Bank plc, Hong Kong Branch is licensed by the Hong Kong Monetary Authority as an Authorized Institution in Hong Kong. Deposits made with our office in Jersey are not protected under the Hong Kong Deposit Protection Scheme.

Jersey deposit protection scheme

HSBC Bank plc, Jersey Branch is a participant in the Jersey Bank Depositor Compensation Scheme. The Scheme offers protection for eligible deposits of up to £50,000. The maximum amount of compensation in any 5-year period is capped at £100,000,000. Full details of the scheme and banking groups covered are available on the states of Jersey website or on request.

Using your credit card in the EU

HSBC Expat products and services are generally not covered by EU law. 

Until 31 December 2020, your HSBC credit card will still fall under the EU Payment Services Directive. This gives you the following rights when using your credit card in Europe:

  • credit card cash withdrawals in Euros outside your bank's ATM network should cost you the same in any EU member state
  • you should have access to secure electronic payments, using a combination of strong customer authentication measures (e.g. a PIN and your fingerprint)

From 1 January 2021, Britain will have exited the EU (Brexit) and EU law will no longer automatically apply. How this affects your credit card is unclear, as the terms of the future relationship have yet to be agreed. This includes rules for financial products and services. We’ll give you an update as soon as we can.

General information 

HSBC Expat is a division of HSBC Bank plc, Jersey Branch. We are a member of the HSBC Group, one of the world's largest banking and financial services organisations. We provide financial services through around 3,900 offices in 67 countries and regions in Europe, Asia-Pacific, the Americas, the Middle East and Africa. Our principal place of business is Jersey. Our parent company, HSBC Holdings plc, is incorporated in England.

HSBC Bank plc places funds with other parts of the HSBC Group. Depositors can form their own view on the financial standing of HSBC Bank plc and the group based on publicly available information.

View our latest report and accounts

No offer

Nothing on this Site constitutes a solicitation or offer, or is intended to form the basis of any investment decision. Nothing on this Site constitutes investment advice or a recommendation to buy or sell investments by HSBC Expat.

Tax 

Tax rules differ from country to country. Your tax situation depends on your personal circumstances and we recommend you get independent tax advice. Any tax information on this website is based on our understanding of current and proposed legislation and practice and may change. It is your responsibility to disclose your income to relevant tax authorities.

No warranties 

The following clauses exclude or limit our legal liability for the Site. You should read them carefully. They all apply only as far as the law permits, and in particular we do not exclude or restrict our duties and liabilities to you. No representation or warranty is made, or implied, as to the accuracy or completeness of any information on the Site or on which the Site, or any information on it, is based. While we have taken reasonable steps to ensure the accuracy, currency, availability, correctness and completeness of the information contained on the Site, information is provided on an ‘as is’, ‘as available’ basis and we do not give or make any warranty or representation of any kind, whether express or implied. The use of the Site is at your sole risk. We shall not be liable for any loss or damage whatsoever and howsoever arising as a result of your use of or reliance on the information contained on the Site to the maximum extent permitted by law.

We do not represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Site.

Third party sites and endorsements 

Where we provide hypertext links to other locations on the Internet, we do so for information purposes only. We are not responsible for the content of any other websites or pages linked to or linking to this Site. We have not verified the content of any such websites. Following links to any other websites or pages is at your own risk and we shall not be responsible or liable for any resulting damages. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software. When you access or link to any other website, please read their terms and privacy notices to determine the policies that apply to information or data maintained by that website.

No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on our Site.

Email 

Email may not be secure and is subject to interception, loss or alteration. We are not responsible or liable to you or anyone else for any damages or otherwise in connection with any email or message sent by you to us or any message sent by us to you.

We maintain security standards and procedures to prevent unauthorised access to information about you. HSBC will never contact you by email or otherwise to ask you to validate personal information such as your user ID, password, or account numbers. If you receive such a request, please let us know by calling
+ 44 (0) 1534 616 313.

Social media

HSBC Expat operates channels, pages and accounts on some social media sites to inform, assist and engage with customers. We monitor and record comments and posts made on these channels about HSBC Expat so that we can improve our services.

HSBC Expat is not responsible for any information posted on those sites other than information we have posted ourselves. We do not endorse the social media sites themselves, or any information posted on them by third parties or other users.

HSBC Expat doesn't give any investment, tax or other advice via social media channels. 

When you engage with HSBC Expat via social media your personal data may be stored on that social media site's servers. These are outside the control of HSBC Expat and may be in the US or elsewhere outside Jersey or the UK. Any information posted to such sites may be accessed and read by the general public. It is not an appropriate forum to discuss customers' products or financial arrangements. HSBC Expat will not ask you to share personal, account or security information via social media sites, and you should not post such information on those channels.

HSBC Expat regularly updates and monitors our social media accounts and welcomes feedback and ideas submitted via these channels. HSBC Expat endeavours to join the conversation whenever possible, however cannot guarantee to read or reply to all messages sent to official HSBC Expat social media accounts.

Emerging themes and helpful suggestions are passed to the relevant people within HSBC Expat for consideration but no guarantee is made that any proposals will be acted on.

HSBC Expat operates the following Social Media streams:

Trademarks and copyright 

Copyright in the information, material and design on this Site is owned by or licensed to HSBC Expat unless otherwise noted. You may print, copy, download or temporarily store extracts from our Site for your personal information or when you use our products and services. You must not alter anything. Any other use is prohibited unless you get our prior written permission. In particular, no one may use a part of our Site on any other website, or link any other website to our Site, without our prior written permission.

Governing law 

Your contract with HSBC Expat is governed by the laws of Jersey, as are our dealings with you up until the contract is concluded. We will communicate with you in English.

Your privacy 

Your privacy is important to us. To find out more, please see the HSBC Expat Privacy Notice.

 

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