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Earn between £200 & £600 cashback when you join HSBC Expat. Eligibility & T&Cs apply

Multi currency bank accounts

Offshore accounts in multiple currencies

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

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 an 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.

  • Join HSBC Expat and earn £200 when you fund between £50,000 and £249,999 or; £400 when you fund between £250,000 and £499,999 or; £600 when you fund at least £500,000 (or currency equivalents) and register for online banking within 90 days. Eligibility criteria & Terms and conditions apply. Offer ends 31 October.

  • Get 0.5% cashback on new advised investments under GBP 500,000 (or currency equivalent) taken out within 90 days of joining HSBC Expat. Terms and conditions apply. Offer ends 31 October.

  • For a limited time you can enjoy USD 1.25%, GBP/HKD/AED 1.00% AER/Gross when you open our 3 month Savings Booster 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 Crisis24

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

And you must currently reside or be situated in an eligible country or region.

If you do not qualify for an HSBC Expat account, but still need an account in another country you may be interested in HSBC International Services.

Banking in an offshore jurisdiction

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

You might be interested in


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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