Everyday Global Account

The Everyday Global Account is suited to:

• Anyone looking for a flexible, low cost everyday transaction account
• Online shoppers, including in other currencies
• Overseas travel planners wanting to take advantage of no overseas ATM and transaction fees⁷
• Those who have international banking needs wanting to send and receive money in another currency  such as overseas rent or mortgage repayment
• The budget savvy who like to be in control of how they save, budget and track their spending in multiple currencies
• Investors and those wanting to diversify in other currencies
• Travellers wanting the flexibility and choice – to either pre-load a currency or automatically exchange at time of a transaction

1. Log into using Online Banking or Mobile Banking
2. select “Products and Services” from the top menu
3. select “Transaction Accounts”
4. select “Apply Now” 
5. select “Everyday Global Account”
6. Select “Apply online in 2 easy steps”
7. Tick to select the currency/currencies you would like to open and complete the form
8. Review the form and accept the T&Cs before submitting – you don’t need to deposit any funds to open a new currency
9. Once you see the confirmation screen, you can start using this additional currency immediately

• Easy 24/7 access to transfer between currencies with immediate access to transferred funds using your Everyday Global Account
• You have the choice to exchange currencies at any time before you transact to lock in a competitive real time exchange rate for the 10 available currencies, with immediate access to the funds.
• If pre-loading is not your thing, you can leave your funds in AUD and convert when you transact (which is how currencies outside the 10 (plus CNY) work eg. THB, KRW, MYR etc).
• No ATM or transaction fees to access the local currency in Australia or anywhere in the world - some ATM providers and merchants may charge a separate fee.
• Withdraw your money in the local currency via thousands of HSBC ATMS globally.
• Money is automatically withdrawn from and deposits paid into the correct currency (where available), such as for international payments and receipts.

Yes. The amount will be deducted from your Australian Dollars balance and converted into the local currency at the VISA exchange rate. No overseas transaction or ATM fees will apply (some ATM operators and merchants may charge a separate fee).

Australian Dollars is the control currency for the Everyday Global Account. It may also be referred to as the 'main currency' or the 'default currency'. If you are transacting in a currency you don't hold or if there are insufficient funds in that currency, the funds will “by default” come from your Australian Dollars balance. If you deposit into your account and don't hold that currency, the funds will “by default” be converted and deposited as Australian dollars.

For flexibility and control. Where you hold other currencies in your account you can:

• Control when you transfer between currencies – at any time⁴ before you make a purchase or withdrawal, or choose to automatically convert when you complete a transaction.
• Get unlimited real time currency exchange quotes online at any time when currency markets are open and move money between currencies 24x7 within your account4. Real time exchange rates are generally better than the daily rate that is automatically applied at the time of a purchase or withdrawal
  
• Have the flexibility to choose whether to accept an exchange rate quote or wait for a better rate.
• Immediately access converted funds³.
• Save in other currencies, helping you to keep better track of your budget when you are travelling