HSBC Real Time Exchange Rate
Take advantage of HSBC’s competitive real time exchange rates1 when exchanging foreign currency.
Foreign Currency Accounts
Buy, transact, save, and invest in up to 10 different currencies with our range of foreign currency accounts.
Make fast international transfers at competitive exchange rates and one low flat-rate fee.
Terms & Conditions
Other fees and charges may apply. See our Personal Banking Booklet (PDF, 1.50 MB). 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.
- HSBC Real Time Exchange Rates will apply for transfers between HSBC Australia accounts when using HSBC Mobile and Online Banking.
For Mobile Banking, HSBC Real Time Exchange Rates will apply for all international transfers.
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.
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.
Future dated or recurring international transfers are not available on HSBC Mobile Banking.
For other future dated or recurring transactions via HSBC Mobile and Online 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.
FX transactions are subject to foreign exchange risk associated with exchange rate movements. HSBC accounts should not be used for speculative FX purposes.