Branch Closures
With the growing popularity of digital banking, many of our customers are enjoying the flexibility to bank whenever and wherever they want. As a result, we’ve made the difficult decision to close some of our branches. Find out more about this decision as well as other ways to bank with us.
Terms and Conditions Documents
We’d like to let you know that we’ll be making changes to the terms and conditions and certain documents that apply to HSBC’s products and services. The changes will be effective for all customers from 28 February 2025*. Please see below for further details.
For existing customers, please click on the product or service tabs below that apply to you. Within each tab are Notices of Change outlining how the relevant Terms and Conditions and documents have been changed. In addition, the current and new Terms and Conditions and documents have been provided.
Please note: The Personal Banking Booklet applies to all HSBC products and services and should be viewed by all customers irrespective of what products or services you hold. Furthermore, if you acquired multiple products and/or services, please make sure you review the Notice of Change documents that apply to the products and services relevant to you.
- Personal Banking Booklet
- Home Loans
- Credit cards
- Personal Loans
- Transaction & Savings Accounts
- Digital Banking
Notice of Change
If you opened a product or service prior to 28 February 2025, please refer to the below Notice of Change which summarises the changes effective from 28 February 2025.
Current terms |
New terms effective 28 February 2025 |
Current terms |
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|---|---|
New terms effective 28 February 2025 |
Notice of Change
If you opened a home loan product or service prior to 28 February 2025, please refer to the below Notice of Change which summarises the changes effective from 28 February 2025.
Current terms |
New terms effective 28 February 2025 |
| Home Loan Fees and Charges (PDF) | Home Loan Fees and Charges (PDF) |
Current terms |
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|---|---|
New terms effective 28 February 2025 |
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Current terms |
Home Loan Fees and Charges (PDF) |
New terms effective 28 February 2025 |
Home Loan Fees and Charges (PDF) |
Notice of Change
If you opened a credit card product or service prior to 28 February 2025, please refer to the below Notice of Change which summarises the changes effective from 28 February 2025.
Notice of Change – Credit Card terms (PDF)
Notice of Change – Balance Transfer Terms and Conditions (PDF)
Notice of Change – HSBC Instalment Plan Term and Conditions (PDF)
Current terms |
New terms effective 28 February 2025 |
| Balance Transfer Terms and Conditions (PDF) | Balance Transfer Terms and Conditions (PDF) |
| HSBC Instalment Plan Term and Conditions (PDF) | HSBC Instalment Plan Term and Conditions (PDF) |
Current terms |
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|---|---|
New terms effective 28 February 2025 |
|
Current terms |
Balance Transfer Terms and Conditions (PDF) |
New terms effective 28 February 2025 |
Balance Transfer Terms and Conditions (PDF) |
Current terms |
HSBC Instalment Plan Term and Conditions (PDF) |
New terms effective 28 February 2025 |
HSBC Instalment Plan Term and Conditions (PDF) |
Please refer to the below Notice of Change which summarises the changes effective from 26 March 2025
Current terms |
New terms effective 26 March 2025 |
Personal Cards Complimentary Insurance
|
Personal Cards Complimentary Insurance (including Star Alliance) (PDF) |
Current terms |
Personal Cards Complimentary Insurance
|
|---|---|
New terms effective 26 March 2025 |
Personal Cards Complimentary Insurance (including Star Alliance) (PDF) |
Notice of Change
If you opened a personal loan product or service prior to 28 February 2025, please refer to the below Notice of Change which summarises the changes effective from 28 February 2025.
Current terms |
New terms effective 28 February 2025 |
Current terms |
|
|---|---|
New terms effective 28 February 2025 |
Notice of Change
If you opened a transaction and savings account product or service prior to 28 February 2025, please refer to the below Notice of Change which summarises the changes effective from 28 February 2025.
Notice of Change – Transaction & Saving Accounts Terms (PDF)
Current terms |
New terms effective 28 February 2025 |
Current terms |
|
|---|---|
New terms effective 28 February 2025 |
Please refer to the below Notice of Change which summarises the changes effective from 26 March 2025
Current terms |
New terms effective 26 March 2025 |
Current terms |
|
|---|---|
New terms effective 26 March 2025 |
Notice of Change
If you opened a digital banking service prior to 28 February 2025, please refer to the below Notice of Change which summarises the changes effective from 28 February 2025.
Notice of Change – Online Banking Terms and Conditions (PDF)
Notice of Change – Personal Banking Booklet (PDF)*
* Please see the changes relating to the Apple Pay Terms and Google Pay Terms. The Apple Pay Terms and Google Pay Terms have now moved to the Personal Banking Booklet
Current terms |
New terms effective 28 February 2025 |
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|
The Apple Pay Terms and Google Pay Terms are now annexed to the Personal Banking Booklet - Personal Banking Booklet (PDF) |
Current terms |
|
|---|---|
New terms effective 28 February 2025 |
|
Current terms |
|
New terms effective 28 February 2025 |
The Apple Pay Terms and Google Pay Terms are now annexed to the Personal Banking Booklet - Personal Banking Booklet (PDF) |
Personal Banking Booklet
Notice of Change
If you opened a product or service prior to 28 February 2025, please refer to the below Notice of Change which summarises the changes effective from 28 February 2025.
Current terms |
New terms effective 28 February 2025 |
Current terms |
|
|---|---|
New terms effective 28 February 2025 |
Home Loans
Notice of Change
If you opened a home loan product or service prior to 28 February 2025, please refer to the below Notice of Change which summarises the changes effective from 28 February 2025.
Current terms |
New terms effective 28 February 2025 |
| Home Loan Fees and Charges (PDF) | Home Loan Fees and Charges (PDF) |
Current terms |
|
|---|---|
New terms effective 28 February 2025 |
|
Current terms |
Home Loan Fees and Charges (PDF) |
New terms effective 28 February 2025 |
Home Loan Fees and Charges (PDF) |
Credit cards
Notice of Change
If you opened a credit card product or service prior to 28 February 2025, please refer to the below Notice of Change which summarises the changes effective from 28 February 2025.
Notice of Change – Credit Card terms (PDF)
Notice of Change – Balance Transfer Terms and Conditions (PDF)
Notice of Change – HSBC Instalment Plan Term and Conditions (PDF)
Current terms |
New terms effective 28 February 2025 |
| Balance Transfer Terms and Conditions (PDF) | Balance Transfer Terms and Conditions (PDF) |
| HSBC Instalment Plan Term and Conditions (PDF) | HSBC Instalment Plan Term and Conditions (PDF) |
Current terms |
|
|---|---|
New terms effective 28 February 2025 |
|
Current terms |
Balance Transfer Terms and Conditions (PDF) |
New terms effective 28 February 2025 |
Balance Transfer Terms and Conditions (PDF) |
Current terms |
HSBC Instalment Plan Term and Conditions (PDF) |
New terms effective 28 February 2025 |
HSBC Instalment Plan Term and Conditions (PDF) |
Please refer to the below Notice of Change which summarises the changes effective from 26 March 2025
Current terms |
New terms effective 26 March 2025 |
Personal Cards Complimentary Insurance
|
Personal Cards Complimentary Insurance (including Star Alliance) (PDF) |
Current terms |
Personal Cards Complimentary Insurance
|
|---|---|
New terms effective 26 March 2025 |
Personal Cards Complimentary Insurance (including Star Alliance) (PDF) |
Personal Loans
Notice of Change
If you opened a personal loan product or service prior to 28 February 2025, please refer to the below Notice of Change which summarises the changes effective from 28 February 2025.
Current terms |
New terms effective 28 February 2025 |
Current terms |
|
|---|---|
New terms effective 28 February 2025 |
Transaction & Savings Accounts
Notice of Change
If you opened a transaction and savings account product or service prior to 28 February 2025, please refer to the below Notice of Change which summarises the changes effective from 28 February 2025.
Notice of Change – Transaction & Saving Accounts Terms (PDF)
Current terms |
New terms effective 28 February 2025 |
Current terms |
|
|---|---|
New terms effective 28 February 2025 |
Please refer to the below Notice of Change which summarises the changes effective from 26 March 2025
Current terms |
New terms effective 26 March 2025 |
Current terms |
|
|---|---|
New terms effective 26 March 2025 |
Digital Banking
Notice of Change
If you opened a digital banking service prior to 28 February 2025, please refer to the below Notice of Change which summarises the changes effective from 28 February 2025.
Notice of Change – Online Banking Terms and Conditions (PDF)
Notice of Change – Personal Banking Booklet (PDF)*
* Please see the changes relating to the Apple Pay Terms and Google Pay Terms. The Apple Pay Terms and Google Pay Terms have now moved to the Personal Banking Booklet
Current terms |
New terms effective 28 February 2025 |
|
|
The Apple Pay Terms and Google Pay Terms are now annexed to the Personal Banking Booklet - Personal Banking Booklet (PDF) |
Current terms |
|
|---|---|
New terms effective 28 February 2025 |
|
Current terms |
|
New terms effective 28 February 2025 |
The Apple Pay Terms and Google Pay Terms are now annexed to the Personal Banking Booklet - Personal Banking Booklet (PDF) |
*Effective date for changes to Personal Cards and Star Alliance Credit Card Complimentary Insurance 26 March 2025