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A Hiker with backpack squatting on top of a mountain and enjoying the view; image used for HSBC Everyday Global Account.

Everyday Global Account

One account with up to 10 foreign currencies

T&Cs apply.

A fee free everyday account, for here and overseas

  • One account with up to 10 foreign currencies
  • Banking designed for your international needs
  • Transfer money online, anywhere in the world for only $81
  • Earn 2% cashback2 on eligible tap and pay transactions under $100
  • No monthly account3, transaction or ATM fees4

How your Everyday Global Account can help you

Everyday banking

  • $0 monthly account fee3
  • $0 transaction fees
  • $0 ATM fees4 charged by HSBC Australia
  • Fraud protection covered by Visa Zero Liability5

Everyday Extras6

  • Earn up to $50 cashback each month when you tap and pay on eligible transactions under $100
  • Track your cashback earning from the HSBC Mobile Banking App. Log on, select your account and select Everyday Extras

Foreign currency

  • Buy, hold and spend in AUD, USD, GBP, EUR, HKD, CAD, JPY, NZD, SGD, CNY (currency restrictions apply to CNY)
  • Transfer money online, anywhere in the world for only $81
  • Make the most of currency movements as they occur when exchanging foreign currency within HSBC accounts or making international transfers7

Global travel

  • Make purchases in Australia, overseas and online without hidden fees 
  • Enjoy the convenience of Visa payWave, Google PayTM and Apple Pay8
  • Access competitive real time7 exchange rates
  • Switch between currencies instantly when you use the HSBC Australia Mobile Banking app

Fees and charges

Interest rates

The HSBC Everyday Global Account currently pays no interest in any currency.

Apply for an Everyday Global Account

Have you heard about HSBC Premier9

Experience a premium banking service with your own Relationship Manager and no monthly fees.

Important information

  1. Applicable to: 1) Debit from Foreign Currency account and transfer in Foreign Currency; 2) Debit from AUD account and transfer in Foreign Currency; 3) Debit from Foreign Currency account and transfer in AUD. 
  2. You will earn 2% cashback on eligible purchases under $100 when you tap and pay with Visa payWave, Apple Pay or Google Pay™. This will be paid into your Everyday Global Account with the maximum cashback you can earn being $50 per calendar month. Eligible purchases must be made in Australian Dollars and where the merchant or its financial institution/ payment processor is registered in Australia. Purchases which are excluded for cashback include business, gambling and government transactions (including public transport). For the full exclusion list, refer to the Transaction and Savings Account Terms.
  3. Other banking services fees and charges may apply.
  4. Non-HSBC branded ATMs may also charge an ATM operator fee for withdrawals or balance enquiries at their ATMs.
  5. Visa Zero Liability applicable only to transactions processed through the Visa network and subject to investigation of the unauthorised transaction. 
  6. HSBC Everyday Extras is a feature of the HSBC Everyday Global Account. You will be eligible for Everyday Extras if you deposit at least AUD2,000 into your HSBC Everyday Global Account before the last working day of each calendar month. For more information refer to the Transaction and Savings Accounts Terms.
  7. 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 when using HSBC Online or Mobile Banking for transfer between HSBC Australia accounts and international transfers within currency cut-off times.

    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 is priced off the exchange rate applying at the time the US market closed plus an additional weekend margin.

    The HSBC Real Time Exchange Rate will not apply on currency holidays, on NSW and US public holidays, 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 transactions via HSBC Online or Mobile Banking, the HSBC Daily Exchange Rate on the future date of the transaction will apply.

    HSBC Real Time Exchange Rates will apply for Global Transfers between your HSBC Accounts. For transfers in unsupported currencies using Global Transfers, the receiving country's daily exchange rate will apply and currency cut-off times of the receiving country may also apply. For future dated transactions using Global Transfers, the HSBC Real Time Exchange Rate on the future date of the transaction will apply when the FX market is open.

    Transfer and correspondent banking fees may apply for transfers outside of HSBC Australia.

    FX transactions are subject to foreign exchange risk associated with exchange rate movements. HSBC accounts should not be used for speculative FX purposes.
  8. Terms and conditions apply to the use of Apple Pay and Google Pay.
  9. Eligibility criteria for HSBC Premier applies and is set out in the HSBC Premier Service Guide.

The HSBC Everyday Global Account has achieved the Canstar Bank of the Year – Everyday Banking Award for 2020 & 2021 and the Outstanding Value – Transaction Account Award for 2021 & 2022, Mozo's Exceptional Everyday Account Award 2021 & 2022 and the Finder Award for Best Transaction Account 2020 & 2021.

This advertisement provides general advice only and doesn't take into account your objectives, financial situation or needs. Consider the Transaction and Savings Accounts Terms (PDF, 1.10 MB) and Financial Services Guide (PDF, 906 KB) before acquiring this product, available by calling 1300 308 008, at your local branch or www.hsbc.com.au. Issued by HSBC Bank Australia Limited ABN 48 006 434 162. AFSL 232595.