As well as Australian dollars, you can buy, hold, and spend in up to 9 currencies from one account:
USD, GBP, EUR, HKD, CAD, JPY, NZD, SGD, and CNY (currency restrictions apply to CNY).
You can also make fast and secure international transfers in other currencies at competitive HSBC exchange rates – anywhere, anytime.
*Other banking services fees and charges may apply, including correspondent bank fees for international transfers. Please refer to the Personal Banking Booklet (PDF).
**See competition terms and conditions (PDF) for more information. Authorised under NSW authority no. TP/03950, ACT permit no. TP 25/00907, SA permit no. T25/680.
***Non-HSBC branded ATMs and some HSBC Group ATMs may charge an ATM operator fee for withdrawals or balance enquiries at their ATMs.
^Your funds transfer to the recipient bank account may take longer depending on the currency you send, correspondent bank clearing times and regulations and controls of the receiving country or region. Incorrect or incomplete recipient details can also result in payment delays or mistaken payments, so it's important to check these details before confirming a transfer.
For international transfers via online banking, you can choose to either have the recipient pay the correspondent bank fees by deducting the fees from the transfer amount before payment to the receiving bank, or you can pay HSBC an upfront Correspondent Bank Cover Fee of AUD30 to cover these additional fees.
For Global Money Transfers through the HSBC Australia Mobile Banking app, for select countries and regions there's usually no correspondent bank fee to HSBC customers for transfers in the local or supported currency. When a correspondent bank fee applies, you will see "AUD30 fee" displayed before you complete the transfer. You will also see the estimated arrival time of the funds with the receiving bank.
Currency cut-off times do not apply to international transfers made via mobile banking, but may apply to some international transfers made via online banking where your payment would be processed on the next business day. Please see our Personal Banking Booklet (PDF).
Foreign exchange transactions are subject to risk associated with exchange rate movements. When the foreign exchange market is closed on weekends (from the US market closing time on Friday to the Asia market opening time on Monday), HSBC exchange rates will include an additional weekend risk margin to cover any market volatility risk. HSBC accounts should not be used for speculative foreign exchange purposes.
# Visa Zero Liability applicable only to transactions processed through the Visa network and subject to investigation of the unauthorised transaction.
HSBC has achieved Canstar’s Bank of the Year for Everyday Banking 2020 to 2024, Outstanding Value – Travel Account 2018 to 2024 & Outstanding Value Transaction Account 2021 to 2025.
HSBC also won Finder’s Travel Debit Card Award 2023 to 2024.