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HSBC's Employee Banking Solutions

Enjoy a comprehensive suite of tailored banking solutions

Welcome to HSBC's Employee Banking Solutions

Thanks to the relationship established between HSBC and your employer, HSBC is delighted to offer you special personal offers and packages you may not normally have access to.

This includes access to preferential rates and offerings, financial education and wellbeing, global connectivity and experienced specialists who can give professional guidance and support on your life's financial decisions, however big or small.

Find out more about the benefits available to you below. Don't forget to mention you're a part of HSBC's Employee Banking Solutions when applying to enjoy all the benefits.

Be part of something bigger with Employee Banking Solutions

HSBC logo.

Employee banking benefits

HSBC Everyday Global Account

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

  • Everyday Banking – pay bills and deposit your salary with no monthly account fee, plus earn 2% cashback16 on eligible purchases under $100 when you deposit AUD 2,000 or more each calendar month as part of Everyday Extras15. T&Cs apply
  • Travel – pay in the local currency14 with no transaction or ATM fees13 charged by HSBC Australia anywhere in the world.
  • Foreign currency – buy, hold and spend in up to 10 currencies (including AUD)
HSBC Everyday Global Visa Debit Card

Key Facts Sheet (PDF, 475KB).

Offers are available to new and approved customers. 

Other fees and charges may apply. See our Personal Banking Booklet.

Discover Premier Banking

HSBC Premier customers enjoy exclusive local privileges and a range of international benefits. Here are 3 ways it can work for you: 

  1. Everyday Banking – the award winning everyday bank account that offers all customers 2% cashback16 on eligible tap and pay purchases under $100 as part of Everyday Extras. You can also choose between two award winning credit cards with rewards to best suit you.
  2. Home and Family – 50% off the annual Home Loan Package fee to access a discounted interest rate and fee waivers. You'll enjoy the support of a dedicated Relationship Manager plus you can share your Premier perks with your family.
  3. Around the world – Instant, fee-free fund transfers between your global accounts at competitive exchange rates#. Enjoy Premier status around the world and if you're moving to another country, we'll help you open an account before you arrive.
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Important information: To qualify for HSBC Premier, you will need to have:

  • A savings balance of $150,000+ (excluding funds held in an offset account), or
  • Regular money in totalling $9,000+ in deposits per month (excluding funds paid straight into a home loan, deposited in foreign currency and transferred from another HSBC Australia account).
  • Plus hold an HSBC Everyday Global Account.

Discover more

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Financial Wellbeing

Our Financial Wellbeing Program is designed to provide educational information on key financial topics.

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Take advantage of the opportunity to review and plan your finances with our experienced HSBC Relationship Manager.

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Make more of your global adventures through a range of International Banking Services.

Other Benefits

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find out more about HSBC Property Expert

HSBC has partnered with global Real Estate Services firm Jones Lang LaSalle (JLL) to provide our customers with a unique opportunity to ask property related questions from an independent professional.

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To further enhance your HSBC Rewards we are offering access to leading news, views and opinions by The Economist with a very special offer just for you.

 
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Open up a world of trading options, from shares on the ASX to Exchange-traded funds (ETFs) to mFunds. Access complimentary research and recommendations, and trade with real speed to market.

Contact Us

Send an enquiry today

Employee Banking Solutions benefits are available as long as you remain an employee of your organisation. To receive these special offers, send us an email today.

Apply by phone

Call us today
Call 1300 134 825 (8.00am-6.00pm EST, Mon to Fri) 
 

Important Information

Issued and credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 AFSL/Australian Credit Licence 232595. Employee Banking Solutions benefits are only available through HSBC Branches and HSBC Direct Banking Centre. Terms, conditions, fees, charges apply to products and services offered within this document. HSBC credit criteria applies to credit products and services. This document provides general advice only and is not personal financial product advice. It does not take into account your individual objectives, financial situation or needs. You should read and consider the relevant Product Disclosure Statement/s before making a decision about any of the financial products offered. Visit hsbc.com.au/corporatepartners or call 1300 134 825 for details and for a copy of HSBC's Terms, conditions and/or Product Disclosure Statements.

HSBC Home Loans

Important information: 

* Excludes Loan to Value Ratio (LVR) above 70%. Variable interest rate is current as at 27 June 2022 and is subject to change. Maximum loan amount is $15,000,000. Terms, conditions, and HSBC lending criteria applies. Employee Banking Solutions benefits are available as long as you remain an employee of your organisation.

** $3,288 cashback offer: To be eligible for the $3,288 refinance cashback, you must submit your new home loan applications for full approval between 15 February 2021 and 31 August 2022 and settle by 31 October 2022 and have refinanced from a financial institution other than HSBC Bank Australia. The offer is only available once per customer within this period. Maximum cashback amount of $3,288. Limit of one $3,288 cashback payment per borrowing entity and per customer. Where a home loan has more than one applicant and one applicant receives the cashback, all applicants are deemed to have received the cashback. Minimum refinance amount of $250,000 applies. Offer excludes construction loans, bridging loans and principal increases, non-residents and non-natural persons (such as trusts and companies). Cashback will be credited into your HSBC Transaction or Home Loan account within 60 days of settlement. Tax consequences may arise from this promotion for investors and you should seek independent financial or legal advice. Offer current as at 31 May 2022 and subject to change. Credit criteria, fees and charges apply.

HSBC Credit Cards

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 AFSL/Australian Credit License 232595. Fees, charges, terms, conditions and HSBC lending criteria apply to all credit cards issued by HSBC. Visit hsbc.com.au or call 1300 308 008. Interest rates are valid at the time of publication and are subject to change. HSBC credit card account holders who have previously cancelled their card in the last 12 months may be ineligible for these promotional cashback offers. Offers available to new, approved HSBC credit cardholders. HSBC may change or end these offers at any time. Excludes HSBC Corporate Cards.

HSBC Platinum Rewards Credit Card

2 $0 annual fee in the first year. Thereafter, a $129 Annual Fee will be charged annually on the anniversary of the account opening date each year.

3 To be eligible for the introductory balance transfer rate, the balance transfer request must be made when applying for the HSBC Platinum Credit Card. Your total balance transfers must not exceed 90% of your approved credit limit. The interest rate on the balance transfer applies for 26 months and must be from non-HSBC credit cards. After this period, any balance outstanding from the balance transfer will accrue interest at the cash advance rate (currently 21.99% p.a. and subject to change). HSBC will allocate payments received from you to pay off the portion of your balance attracting the highest interest rate first and subsequently to portions of your balance attracting lower interest rates. This may mean applying any and all payments made to your Platinum Credit Card account to pay off other transactions such as purchases and cash advances before any balance transfer amount. The Balance Transfer Fee will be calculated as a percentage of the balance being transferred to your HSBC credit card account. This fee will be applied at the time the balance is transferred and forms part of your total outstanding balance.

To be eligible for the offer, you must apply for the HSBC Platinum Credit Card via the 'Apply Now' link found on HSBC's Employee Banking Solutions webpage hsbc.com.au/corporate-partners/. HSBC may change or end this offer at any time. Offer does not apply to the HSBC Platinum Qantas Credit Card. $100 cashback will be credited to your HSBC Platinum Credit Card account within 6 weeks of account opening.

5 HSBC will reimburse the value of the first 5 mobile payment transactions, up to a cumulative total of $150, to the account. Maximum reward for a customer is $150. The reimbursement will occur within 6 weeks from when customers have completed all of their eligible Mobile Payment transactions. To be eligible for a re-imbursement, the first 5 Mobile payment transactions must take place within 30 days of account opening. Mobile Payment transactions are those processed through Apple Pay or Google Pay. Offer may be withdrawn at any time. Not available on HSBC corporate credit cards. Mobile Payments, including Apple Pay and Google Pay™, can be used wherever you can make contactless in store purchases and online at participating retailers where the logo is displayed. For a list of compatible Apple Pay devices, see support.apple.com/km207105. For a list of compatible Google Pay devices, see support.google.com/pay/#topic=. In order to use Apple Pay or Google Pay you must agree to the HSBC with Apple Pay or HSBC with Google Pay Terms and Conditions available at hsbc.com.au/credit-cards/terms. Android, Google Pay, and the Google Logo are trademarks of Google LLC.

6 Reward Program terms, conditions and points capping limit of 10,000 points per statement period apply. Eligible purchases exclude interest free promotions, balance transfers, cash transfer, business expenses, cash advances, fees or charges, any disputed transactions, BPAY® and any government fee or charge. Visit hsbc.com.au/credit-cards-terms for full details. 

7 Insurance policies are issued by AGA Assistance Australia Pty Ltd ABN 52 097 227 177(AFSL No. 245631) trading as Allianz Global Assistance (under a binder from Allianz Australia Insurance Limited ABN 15 000 122 850 (AFSL No. 124708)) and HSBC Bank Australia Limited (ABN 48 006 434 162) (AFSL 232595). Terms and conditions, limits and exclusions available at www.hsbc.com.au. An excess may apply. HSBC does not issue these insurances and does not receive commissions on these policies or guarantee any benefits under this cover. HSBC has entered into master policies for the benefit of cardholders. The cover provided is at no additional cost to cardholders. This document provides general information only and does not take into account what you currently have, want or need for your financial future. You should consider these matters and read the Information Booklet available at hsbc.com.au or by calling 1800 648 093.

HSBC Platinum Qantas Credit Card

8 To be eligible for the bonus Qantas Points offer, you must apply and be approved for a new HSBC Platinum Qantas Card. Receive 20,000 bonus Qantas Points if you spend $3,000 on eligible purchases within 90 days of card approval. Eligible purchases exclude interest free and other promotions, balance transfers, cash transfers, business expenses, cash advances, fees and charges, BPAY®, any disputed transactions and government fees and charges. The 20,000 bonus Qantas Points will be credited to your Qantas Frequent Flyer Account within 90 days of meeting the spend criteria, provided that your account is active and not in arrears and you have provided HSBC with a valid Qantas Frequent Flyer membership number. Offer is limited to new applicants only. Existing HSBC customers transferring from another HSBC credit card or customers who have held a HSBC Platinum Qantas Credit Card within the last 12 months are ineligible for this offer.

9 Qantas Points accrue in accordance with and are subject to the HSBC Qantas Rewards Terms and Conditions. No points are earned on interest free and other promotions, balance transfers, business expenses, cash advances, fees and charges, any disputed transactions, BPAY® and any government fee or charge. You must be a member of the Qantas Frequent Flyer program and provide your valid membership number to HSBC in order to earn and redeem points. A joining fee usually applies, however HSBC has arranged for this to be waived for HSBC credit card customers opting in to HSBC Qantas Rewards who are not already Qantas Frequent Flyer members - join by visiting qantas.com/hsbcjoin. Membership and the earning and redemption of points is subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms. Earn 1 Qantas Point per $1 spent up to $1000 per statement period on eligible purchases made in Australia and overseas. Every $1 spent thereafter will earn 0.5 Qantas Points up to a total of 7,500 Qantas Points per statement period.

10 To be eligible for the introductory balance transfer rate, the balance transfer request must be made at the time of applying for the new HSBC credit card. The interest rate on the balance transfer applies for 22 months for the HSBC Platinum Credit Card and 12 months for the HSBC Platinum Qantas Credit Card. The balance transfer must be from non-HSBC credit cards. After this period, any balance outstanding from the balance transfer will accrue interest at the cash advance rate (currently 21.99% p.a. as at 14 January 2019 and subject to change). HSBC will allocate payments we receive from you to pay off the portion of your balance which attracts the highest interest rate first and subsequently to portions of your balance attracting lower interest rates. This may mean applying any and all payments made to your HSBC credit card account to pay off other transactions such as purchases and cash advances before any balance transfer amount. 

11 Insurance policies are issued by AGA Assistance Australia Pty Ltd ABN 52 097 227 177(AFSL No. 245631) trading as Allianz Global Assistance (under a binder from Allianz Australia Insurance Limited ABN 15 000 122 850 (AFSL No. 124708)) and HSBC Bank Australia Limited (ABN 48 006 434 162) (AFSL 232595). Terms and conditions, limits and exclusions available at www.hsbc.com.au. An excess may apply. HSBC does not issue these insurances and does not receive commissions on these policies or guarantee any benefits under this cover. HSBC has entered into master policies for the benefit of cardholders. The cover provided is at no additional cost to cardholders. This document provides general information only and does not take into account what you currently have, want or need for your financial future. You should consider these matters and read the Information Booklet available at hsbc.com.au or by calling 1800 648 093.

12 Mobile Payment transactions are those processed through Apple Pay or Google Pay. Offer may be withdrawn at any time. Not available on HSBC corporate credit cards. Mobile Payments, including Apple Pay and Google Pay™, can be used wherever you can make contactless in store purchases and online at participating retailers where the logo is displayed. For a list of compatible Apple Pay devices, see support.apple.com/km207105. For a list of compatible Google Pay devices, see support.google.com/pay/#topic=. In order to use Apple Pay or Google Pay you must agree to the HSBC with Apple Pay or HSBC with Google Pay Terms and Conditions available at hsbc.com.au/credit-cards-terms. Android, Google Pay, and the Google Logo are trademarks of Google LLC. 

Request for a repayment deferral

Tell us about your change in circumstances by calling in on 1300 361 867 or +61 2 8661 1900, weekdays, 8.00am to 5.00pm AEST

HSBC Everyday Global Account

13 Non-HSBC branded ATMs may charge an ATM operator fee for withdrawals or balance enquiries at their ATMs.

14 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.

15 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 business day of each calendar month. For more information refer to the Transaction and Savings Accounts Terms.

16 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.

Terms and conditions apply to the use of Apple Pay and Google Pay™. Excludes HSBC Corporate Cards.

The $150 bonus was paid to new HSBC customers who opened an HSBC Everyday Global Account from 12:00am AEDT 1 August 2019 to 11:59pm AEDT 30 April 2022 and deposited AUD 2,000 or more per month for three consecutive calendar months within six months of opening the account. Employee Banking Solutions benefits are available as long as you remain an employee of your organisation. Refer to the Employee Banking Solutions Cash Bonus Terms and Conditions (PDF,228 KB).

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 and Financial Services Guide before acquiring this product, available by calling 1300 308 008, at your local branch or www.hsbc.com.au.

HSBC Personal Loans

Credit Provided by HSBC Bank Australia Limited. ABN 48 006 434 162 AFSL/Australian Credit Licence 232595.

17 Rates are applicable to new applications and are subject to change. HSBC may change or end this offer at any time. Terms, conditions, fees, and charges apply. $150 establishment fee will apply when the loan is approved. All applications will remain subject to HSBC's normal credit criteria. Applicants must be 18 years or older. Employee Banking Solutions benefits are available as long as you remain an employee of your organisation.

 

HSBC Premier 

18 HSBC Premier Australia eligibility criteria and Terms and Conditions apply. Please refer to the Premier Service Guide for the latest HSBC Premier benefits, features and general eligibility criteria.

 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.

HSBC Personal Banking 

Facility and provider fees and charges may apply. ATM transactions fees may apply for use of non-HSBC ATMs.

19 Real time foreign exchange (FX) transactions are available 24/7 between linked HSBC Australia accounts for selected currencies using Online and Mobile Banking. Make the most of real time FX rates when the FX market is open (excluding currency holidays, NSW and US public holidays). When the market is closed set FX rates will apply to real time FX transactions, and the exchange rate will not fluctuate. If making a payment to a third party outside of HSBC Australia during currency holidays, NSW and US public holidays, the HSBC Daily Exchange Rate will apply. The HSBC Daily Exchange Rate will apply for all future-dated transactions on the future date of those transaction. The foreign exchange market is subject to risks associated with exchange rate movements. HSBC foreign currency accounts should not be used for speculative purposes. Real time FX transactions are not available to Trusts, SMSFs and non-trading accounts between 12.00am Saturday and 8.00am Monday.

This advertisement provides general advice only and doesn't take into account your objectives, financial situation or needs. Consider the Product Disclosure Statement (PDS) 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.