In addition to Australian dollars, you can spend and transfer in real time in the following 9 currencies (instant transfer):
USD, GBP, EUR, HKD, CAD, JPY, NZD, SGD, and CNY (currency restrictions apply to CNY)
* Other banking services fees and charges may apply. Please refer to the Personal Banking Booklet (PDF, 1.50 MB). Non-HSBC branded ATMs and HSBC Group ATMs in Argentina, France, Greece, Malta, Mexico and Turkey may charge an ATM operator fee for withdrawals or balance enquiries at their ATMs.
** HSBC real-time exchange rates will apply for transfers between HSBC Australia accounts when using HSBC Online and Mobile Banking. For Online Banking, HSBC real-time exchange rates will apply for AUD, USD, EUR, GBP, CNY, HKD, CAD, NZD, JPY, CHF, SGD, AED, DKK, MXN, NOK, SAR, SEK, THB and ZAR for international transfers within currency cut-off times.
The HSBC Everyday Global Account in 2023 & 2024 was awarded the WeMoney’s Travel Money Card of the Year, Travel Debit Card of the Year, Best for Quality Travel Money & Travel Debit Card and Best for Value Travel Money & Travel Debit Card.
HSBC also achieved Canstar’s Award for Outstanding Value – Travel Debit Card 2018 - 2023 and Finder’s Travel Debit Card Award 2023 & 2024.
For Mobile Banking, HSBC real-time exchange rates will apply for all international transfers.
HSBC real-time exchange rates will apply when the foreign exchange (FX) market is open. When the FX market is closed on weekends (that is from the US market closing time on Friday to the Asia market opening time on Monday), the HSBC real-time exchange rate will include additional weekend risk margin for the bank to cover risk of any market volatilities. The HSBC real-time exchange rate will not apply on currency holidays, on NSW and US public holidays.
For Online Banking, the HSBC real-time exchange rate will not apply to transfers in currencies not listed above and to transfers outside of HSBC Australia entered after currency cut-off times. Instead, the HSBC daily exchange rate, which is set and refreshed every 30 minutes daily from 7:00 AM to 7:00 PM (excluding weekends and NSW public holidays), will apply.
For future dated or recurring transactions via HSBC Online or Mobile Banking, the HSBC daily exchange rate on the future date of the transaction will apply. Future dated or recurring international transfers are not available on HSBC Mobile Banking.
FX transactions are subject to foreign exchange risk associated with exchange rate movements. HSBC accounts should not be used for speculative FX purposesVisa Zero Liability applicable only to transactions processed through the Visa network and subject to investigation of the unauthorised transaction.
# Visa Zero Liability applicable only to transactions processed through the Visa network and subject to investigation of the unauthorised transaction.