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Join HSBC Expat to benefit from our award winning banking services.

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 foreign exchange solutions make it easy for you to get the most of your money while living or working abroad.

What we offer

Global Money Account for your multi-currency needs

  • One account, multiple currencies – store up to 19 currencies
  • Fee-free international payments - no HSBC fees on payments made via Global Money
  • Send money like a local - make payments to accounts around the world, quicker and easier than ever before
  • Competitive pricing - enjoy our best fx rates aligned with the market and refreshed regularly1
  • A free physical and digital Global Money Debit Card

FX services

Mobile FX services

Manage your FX needs with your mobile banking app. Access real-time rates, set rate alerts and watch the status of your rates.

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.

  • Current accounts available in Pound sterling, United States dollar and Euro
  • Open additional savings accounts in Hong Kong dollar, United Arab Emirates dirham, Australian dollar and 16 other currencies
  • Open a Global Money account to make payments in 19 different currencies using only one account
  • Global Money transfers. Fee-free transfers made via mobile banking
  • A free physical and digital Global Money Debit Card
  • Access you accounts any time with our mobile banking app, online banking and telephone banking
  • Manage your foreign exchange needs and get exclusive rates with our FX mobile services on our mobile banking app
  • International offices based in Jersey (Channel Islands) and Hong Kong
  • Get help setting up your local bank accounts for when you arrive in a new country
  • Complimentary travel security services from Crisis24

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.

How to apply

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

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 region.3

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Your money deserves it’s own passport. Unlock a world of benefits with a Global Money Account. 


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.

1We draw on a combination of factors to provide Global Money Account users with competitive conversion rates, quoted to you at the time of making the transfer. You'll receive the HSBC Exchange Rate before you complete a transaction. This rate refreshes every 90 seconds to align to market exchange rates. The HSBC Exchange Rate includes the HSBC cost rate and a foreign currency conversion margin.

2Or currency equivalent.

3HSBC 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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