- Non-HSBC branded ATMs and HSBC Group ATMs in Argentina, France, Greece, Malta, Mexico and Turkiye may charge an ATM operator fee for withdrawals or balance enquiries at their ATMs.
- Where a currency is not one of the listed currencies available on the Everyday Global Account or in the restricted currency CNY, the funds will be deducted from the AUD account and ATM withdrawals will be automatically converted into the local currency at the Visa exchange rate.
- HSBC Everyday Extras is a feature of the HSBC Everyday Global Account. To continue to be eligible to receive Everyday Extras you will need to deposit AUD2,000 or more into your HSBC Everyday Global Account before the last day of each calendar month. Refer to the Transactions and Savings Account Terms for full T&Cs.
- Terms and conditions apply to the use of Apple Pay and Google Pay.
- You will earn 2% cashback on eligible purchases under AUD100 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 AUD50 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.
Your funds transfer to the recipient bank account may take longer depending on the currency you send, correspondent bank clearing times and regulations and controls of the receiving country or region. Incorrect or incomplete recipient details can also result in payment delays or mistaken payments, so it's important to check these details before confirming a transfer.
For international transfers via online banking, you can choose to either have the recipient pay the correspondent bank fees by deducting the fees from the transfer amount before payment to the receiving bank, or you can pay HSBC an upfront Correspondent Bank Cover Fee of AUD30 to cover these additional fees.
For Global Money Transfers through the HSBC Australia Mobile Banking app, for select countries and regions there's usually no correspondent bank fee to HSBC customers for transfers in the local or supported currency. When a correspondent bank fee applies, you will see "AUD30 fee" displayed before you complete the transfer. You will also see the estimated arrival time of the funds with the receiving bank.
Currency cut-off times do not apply to International Transfers made via mobile banking, but may apply to some International Transfers made via online banking where your payment would be processed on the next business day. Please see our Personal Banking Booklet.
Foreign exchange transactions are subject to risk associated with exchange rate movements. 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), HSBC exchange rates will include an additional weekend risk margin to cover any market volatility risk. HSBC accounts should not be used for speculative foreign exchange purposes.