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HSBC Real Time Exchange Rates

Make the most of currency movements as they occur with HSBC Real Time Exchange Rates

HSBC Real Time Exchange Rates1

Exchange foreign currencies online at competitive rates wherever you are, whenever currency markets are open.

  • Make the most of foreign currency movements
    Exchange currencies seamlessly between your accounts at competitive HSBC Real Time Exchange Rates anywhere anytime
  • Global banking for your global needs
    Buy, hold and transact in up to 10 currencies at HSBC Real Time Exchange Rates with the award winning HSBC Everyday Global Account.
  • Send money overseas
    Make smart and secure international transfers to over 230 countries and territories with HSBC Australia Mobile Banking.

Make the most of currency movements as they occur when exchanging foreign currency within HSBC accounts or making international transfers

How it works

  1. Log on to online or mobile banking
  2. Select 'Make a Transfer' under 'Move Money'
  3. Enter your transaction details
  4. Happy with the exchange rate? Tap 'Confirm' to accept it and make your transfer. Hoping for a better rate? Tap 'Refresh rate' for a new quote.

Make them smile – send money home this Diwali

Make their Diwali even brighter this year. Send Rupees with no HSBC transfer fee6 and a special AUD to INR exchange rate7. Use Global Money Transfers on the HSBC AU app until 3 November 2024.

Foreign currency made easy with the HSBC Everyday Global Account

Enjoy outstanding value with the all-in-one multicurrency HSBC Everyday Global Account. Great for exchanging, holding and transacting in foreign currencies.

  • $0 monthly account fee2 for everyday banking
  • $0 HSBC ATM fees3 anywhere in the world
  • $0 transaction fees for purchases in Australia, overseas or online
  • Buy, hold and transact in up to 10 currencies at competitive HSBC Real Time Exchange Rates - AUD, USD, GBP, EUR, HKD, CAD, JPY, NZD, SGD, CNY (currency restrictions apply to CNY)
  • Use HSBC Mobile Banking to switch between currencies instantly anywhere and at any time
  • Enjoy the convenience and security of Visa payWave, Google PayTM and Apple Pay4
Apply online in 5 easy steps This link will open in a new window

You can also apply for a joint account.

Exchange Foreign Currency in branch

USD and HKD currency note transactions are only available at selected HSBC Branches5. Please give the branch 24 hours' notice for USD and HKD cash withdrawals, and we'll do our best to make this available, however, it's subject to branch availability. To find out more please call us on 1300 308 008.

Exchange Foreign Currency online

Customers with Online Banking

Manage your foreign currency accounts and check HSBC real time exchange rates

If you need additional support with your application, please call us on 1300 131 605 (Monday to Friday, 8:00am to 8:00pm AEST) or visit your local branch.

Speak to us 

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Make fast international transfers at competitive exchange rates and one low flat-rate fee.

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Make the call to connect yourself to exclusive foreign exchange and investment opportunities.

Terms & Conditions 

Other fees and charges may apply. See our Personal Banking Booklet (PDF) 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) and Financial Services Guide (PDF) 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.

† Point-to-point comparison – In situations where we reference currency pair movements, the observation is a point-to-point comparison for the period stated (eg day, week or month) based on the indicative wholesale daily exchange rates from 4pm the previous day, as published at rba.gov.au. The currency pair quoted may have traded outside that range during the period between and after the comparison points.

  1. 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.
  2. Other banking services fees and charges may apply.
  3. Non HSBC branded ATMs and some HSBC Group ATMs may charge an ATM operator fee for withdrawals or balance enquiries at their ATMs.
  4. Terms and conditions apply to the use of Apple Pay and Google Pay.
  5. USD and HKD cash transactions are available at selected HSBC branches. For USD and HKD deposits, these must be notes only and in multiples of 10. Cash transactions in USD and HKD are subject to cash handling fees. Please refer to the Personal Banking Booklet for more information.
    The HSBC Everyday Global Account was awarded the Canstar Bank of the Year – Everyday Banking 2020 & 2021 award and the 5-Star Rating for Outstanding Value – Transaction Account 2020 & 2021, Mozo's Exceptional Everyday Account Award in February 2021 and the Finder Award for Best Transaction Account September 2020.
  6. Other banking service fees and charges may apply, including correspondent bank fees for international transfers. AUD20 HSBC International Transfers fee applies for in branch transfers.
  7.  A discount on the HSBC foreign exchange rate will apply for each currency exchange when making international transfers before 4:00pm on 3 November 2024 (Sydney Time) when exchanging using Global Transfers or Global Money Transfers on the HSBC Australia Mobile Banking app.