The world's local bank
SmartVantage
Self-Directed Financial Management Tools
HSBC Internet Banking
A convenient and simple online platform at www.hsbc.com.hk that gives you total control of your finances anytime, anywhere.
- Multitude of Online Transactional Capabilities - Leverage on a multitude of transactional capabilities such as bill payments, fund transfers, buy/sell investment facilities and more, with a few simply clicks.
- Online 24-hour Investment Tools
Online 24-hour All-round Securities Order Types - A comprehensive range of innovative order types, including 'Two-Way Limit Order', 'Target Buy Sell Order' and 'Stop Loss Limit Order' allow you to pre-set buy or sell instructions around-the-clock to help realise potential gains and minimise losses.
Online ForEx Switching Service and Renminbi Switching Service - Your buy or sell instructions and fund transfers for designated accounts will be executed automatically when your pre-set exchange rate, balance and frequency conditions are met, helping you to capture the best potential returns even in a highly fluctuating foreign exchange market.
Share Watch - You can set up 'Share Watch' to review the latest prices and performance of selected securities. - Online Asset Portfolio - Presented in concise and user-friendly charts, the portfolio allows you to instantly check your financial status and plan your investment with ease.
- Online Financial Planning Tools
My Life Planner - shows you how to plan for life's important events and goals
Risk Profiling Questionnaire - determines your risk level
Expenses Calculator - calculates your monthly expenditure including your outlays from mortgage payments to sundry expenses - Online Financial Calendar - Manage your plans in advance to pre-set, change or update forward-dated payments, transfers and time deposit instructions with ease.
- Free eAlert Service - Keep yourself well-informed on instruction status and market information, including investment order confirmation, IPO updates and other banking alerts.
- Online Appointment1 - You can arrange a free financial planning session with our financial professionals to help you design a financial plan to achieve your short-term and long-term goals.
Automated Phonebanking Service
- HSBC Personal Banking Hotline on (852)2233 3000 - You can bank anytime, anywhere with any touch-tone phone via our phonebanking services. You can easily access all your HSBC accounts, investments, credit cards, insurance and MPF, and other services with a simple phone call. You can make enquires on account balances, fund transfers between your accounts with HSBC, enquire deposit rates, exchange foreign currencies, trade gold and securities through our automated phonebanking services 24 hours a day. You can also conduct bonds trading and unit trusts subscription, redemption and switching, and enquire about your insurance policies through our customer service officers.
All-in-One Integrated Account Service
- Integrated Financial Services
One integrated account for your deposits, investments, insurance, credit facilities, mortgage services and credit card that offers you convenience and efficiency in your financial management. - One Consolidated Statement
On a monthly basis, you will receive one easy-to-read consolidated statement to give you a comprehensive overview of your financial position. - Deposit
Manage various Hong Kong dollar, Renminbi or foreign currency deposit services, including ForEx Switching Services in one account number. Enjoy a preferential time deposit interest rate calculated based on your integrated account type, Total Relationship Balance, time deposit amount and tenor. - Renminbi Services
Take advantage of our savings and time deposit services, transfers and ForEx Switching services in Renminbi (RMB). You can also exchange and remit RMB via HSBC Internet Banking or at any HSBC branch in Hong Kong. - Investment
Trade local stocks2 and unit trusts3 or purchase structured products4, bonds5 and certificates of deposit5 via HSBC Internet Banking or phonebanking anytime you want. You can also subscribe to initial public offers and our Monthly Investment Plans. - Credit
Make the best use of low interest secured credit worth up to 100% of your asset value with no additional service fee, and clean credit of up to HK$600,000 or four times your monthly salary (whichever is lower), plus overdraft protection worth up to HK$5,000.
Express Banking
On top of HSBC Internet Banking and automated phonebanking, you can also manage your finances through more than 500,000 ATMs worldwide.
Credit Card Annual Fee Waiver
Enjoy a 5-year annual fee waiver6 when you apply successfully for a new HSBC credit card with your SmartVantage account to give you more lifestyle benefits. This promotion is only applicable to application of new HSBC credit card.
International Service
Our strong global presence and network mean that your personal banking needs are always well taken care of. Whenever you need access to cross-border banking and financial services in a new country7, you can do so through a streamlined application process, and we can also transfer your credit history7 to facilitate your application.
A Bundle of Free Financial Services
You can enjoy the full scale banking services referred to above at no extra charge under your SmartVantage account if you have a Total Relationship Balance8 of HK$10,000 or above. A below balance fee9 HK$60 monthly will only be charged only if the Total Relationship Balance falls below HK$10,000.
1 Appointments can be made on any day of the week but venue may be restricted to selective Financial Management Centres on Sundays.
2 Prices of securities are subject to downward and upward adjustment and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities.
3 Unit Trusts are investment products and some of them may involve derivatives. The investment decision is yours but you should not invest in the Unit Trusts unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.
Unit Trusts are NOT equivalent to time deposits.
4 Structured Products involve derivatives. The investment decision is yours but you should not invest in structured products unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.
Structured product is NOT equivalent to a time deposit. It is NOT protected under the Hong Kong Deposit Protection Scheme and the repayment of structured product is not guaranteed by the Hong Kong SAR Government's Exchange Fund.
5 This is an investment product. The investment decision is yours but you should not invest in this product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. Bond/CD is NOT equivalent to a time deposit. Issuer's Risk - The bond/CD is subject to both the actual and perceived measures of credit worthiness of the issuer. There is no assurance of protection against a default by the issuer in respect of the repayment obligations. In the worst case scenario (e.g. upon insolvency of issuer), you might not be able to recover the principal and any coupon if the issuer defaults on the bond/CD.
6 Please contact our staff at any branch for more details of HSBC credit cards. Customers must maintain their SmartVantage after issuance of their HSBC credit card in order to enjoy this offer. The above credit card annual fee waiver cannot be used in conjunction with other prevailing offers.
7 Subject to local regulations.
8 Rolling average of the previous three months.
9 The monthly below balance fee applies to each of your Integrated Accounts.
Note: Investment involves risks. The price of investment products may move up or down. Losses may be incurred rather than profits made as a result of buying and selling investment products. Please refer to the offering documents of the respective products for details, including risk factors.
