In addition to Australian dollars, you can spend in the local currency and transfer in real time in the following 9 currencies (instant transfer):
USD, GBP, EUR, HKD, CAD, JPY, NZD, SGD, and CNY (currency restrictions apply to CNY)
* Other banking services fees and charges may apply. Please refer to the Personal Banking Booklet (PDF, 1.50 MB). Non-HSBC branded ATMs and some HSBC Group ATMs may charge an ATM operator fee for withdrawals or balance enquiries at their ATMs.
** 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 foreign exchange market is closed on weekends (from the US market closing time on Friday to the Asia market opening time on Monday), the HSBC Real Time Exchange Rate will include an additional weekend risk margin to cover any market volatility risk.
The HSBC Real Time Exchange Rate will not apply on currency holidays, on New South Wales holidays, or US public holidays.
For online banking, the HSBC Real Time Exchange Rate will not apply to transfers in currencies not listed above, or to transfers outside of HSBC Australia, entered after currency cut-off times. Instead, the HSBC Daily Exchange Rate, which is set and refreshed regularly from 07:00 to 19:00 (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 exchange rate will apply and currency cut-off times of the receiving country may also apply. For future dated or recurring transactions using Global Transfers, the exchange rate applicable on the day the transfer is processed will apply.
Foreign exchange transactions are subject to risk associated with exchange rate movements. HSBC accounts should not be used for speculative foreign exchange purposes.
# Visa Zero Liability applicable only to transactions processed through the Visa network and subject to investigation of the unauthorised transaction.
The HSBC Everyday Global Account in 2023 was awarded the WeMoney’s Travel Money Card of the Year, Travel Debit Card of the Year, Best for Quality Travel Money & Travel Debit Card and Best for Value Travel Money & Travel Debit Card.
HSBC also achieved Canstar’s Award for Outstanding Value – Travel Account 2018 – 2024 and Finder’s Travel Debit Card Award 2023 - 2024.