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Hanging Chinese New Year red decoration; image used for HSBC Everyday Global Account offer.

Everyday Global Account

For a limited time, transfer money to friends and family anywhere in the world online for $0 fee*.
T&Cs apply.
HSBC Everyday Global Account Debit Card
Two 5-star rated outstanding value awards for transaction account, travel debit card from Canstar; a winner 5-stared awards 2020 for transaction account from Finder; and a Bank of the year award 2020 for Everyday Banking from Canstar

An award-winning, fee free everyday account, for here and overseas

Enjoy outstanding value with the all-in-one HSBC Everyday Global Account, that's ideal for:

How your Everyday Global Account can help you

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Everyday Banking

In addition to Everyday Extras1 rewards, you'll also enjoy:

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

Use online and mobile banking 24x7 to check your account balance, see your Everyday Extras1 earnings and to transfer between currencies or to other accounts.

Everyday Extras

$100 Bonus for new HSBC customers

$100 Bonus6 when you deposit $2,000 or more each month for 3 consecutive months, within 6 months of opening your Everyday Global Account.

Earn 2% cashback on tap and pay under $100

Earn up to $50 cashback7 each month on eligible purchases when you tap and pay with Visa payWave, Google PayTM or Apple Pay8 under $100.

Bonus interest on savings

Earn 0.4% p.a. bonus interest on the ongoing variable rate on your HSBC Serious Saver Account. The ongoing variable rates applies after the 4 month introductory rate.

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Foreign Currency

For a limited time you can transfer money anywhere in the world for $0 fee* online or $20 in branch.

Plus, when you open your account, in addition to Australian dollars,

In addition to Australian dollars, you have the choice to buy, transact, save and spend in the following currencies.

AUD, USD, GBP, EUR, HKD, CAD, JPY, NZD, SGD, CNY (currency restrictions apply to CNY)

Make the most of currency movements as they occur when exchanging foreign currency within HSBC accounts or making international transfers10.

USD and HKD currency note transactions are only available at selected HSBC Branches11. Please give the branch 24 hours’ notice for USD and HKD cash withdrawals, and we’ll do our best to make this available, however, it’s subject to branch availability. To find out more please call us on 1300 308 008.

Hanging Chinese New Year red decoration

The global account that meets your everyday banking needs and is also great for travel

Watch how you can:

  • Use your everyday transaction account for purchases in Australia, overseas and online without the hidden fees.
  • Enjoy the convenience and security of Visa payWave, Google PayTM and Apple Pay8.
  • Access competitive real time10 exchange rates.
  • Switch between currencies instantly 24/7 wherever you are using the mobile app.

Fees and charges

Interest rates

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

Apply for an Everyday Global Account

Important information

*$0 online International Transfer fee is valid until 26 February 2021. Applicable to: a) Debit from Foreign Currency account and transfer in Foreign Currency; b) Debit from AUD account and transfer in Foreign Currency; c) Debit from Foreign Currency account and transfer in AUD. HSBC use real time exchange rates for certain online/mobile banking currency transfers between HSBC [Australia] accounts or where you make international transfer payments within currency cut-off times, and only when the foreign exchange market is open in both Australia and the relevant FX market. HSBC don’t use real time exchange rates for any other FX transactions or where you request a transaction to be made on a future date. Fees and other rates may apply. FX transactions have risks of exchange rate movements. You should not use FX accounts for speculative purposes. 

  1. 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.
  2. Where a currency is not one of the listed currencies available with the Everyday Global Account or is in a restricted currency (such as Chinese Renminbi (CNY), the money will be deducted from the AUD account. Any ATM withdrawals will be automatically converted into the local currency at the Visa exchange rate.
  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. The $100 bonus is paid to new HSBC customers who open an HSBC Everyday Global Account from 12:00am AEDT 1 August 2019 to 11:59pm AEDT 31 March 2021 and deposit AUD 2,000 or more per month for three consecutive months within six months of opening the account. Refer to the Cash Bonus Terms and Conditions (PDF,228 KB).  
  7. 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.
  8. Terms and conditions apply to the use of Apple Pay and Google Pay.
  9. If you have an Everyday Global Account, we’ll give you 0.4% p.a. in addition to the ongoing variable rate for your Serious Saver Account. This is on the condition that you deposit at least AUD 2,000 into your Everyday Global Account before the last working day of each calendar month. Bonus interest is calculated daily, starting the working day after you deposit AUD 2,000 into your Everyday Global Account and paid on the 28th day of each calendar month. The bonus 0.4% p.a. is not paid on balances over AUD 1,000,000.
  10. The real time exchange rate is the exchange rate in the market a few seconds before the exchange rate is given to you. Real time exchange rates only apply on the currencies we offer and will vary on how you transact, for more information read the Personal Banking terms. The HSBC daily rate applies when the FX market is closed on weekends and applies on all future dated transactions. Transfer fees and correspondent bank fees may apply for transfers outside of HSBC Australia. FX transactions are subject to foreign exchange risk associated with exchange rate movements. HSBC FX accounts should not be used for speculative purposes.
  11. All in branch cash transactions are restricted to AUD, USD and HKD. USD and HKD currency note transactions are only available at selected HSBC Branches. For USD and HKD deposits, these must be notes only and in multiples of 10. Cash transactions in USD and HKD are subject to cash handling fees. Please refer to the Personal Banking Booklet for more information.  

The HSBC Everyday Global Account was awarded the Canstar 5-Star Rating for Outstanding Value – Travel Debit Card in September 2018/2019/2020 and Outstanding Value – Transaction Account April/Oct 2020, the Finder Award for 'Best Transaction Account' September 2020 and the Canstar Bank of the Year - Everyday Banking 2020 award.

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.