Bank tariff guide for HSBC Retail Banking and Wealth Management by linzhengnd

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									                                                                                          Bank tariff guide for
                                                                                          HSBC Retail Banking and
                                                                                          Wealth Management
                                                                                          Customers
                                                                                          Tips to help switch you
                                                                                          on to best value banking.
                                                                                          Effective 1 Nov 2011




                                                                  Bank Tariffs/Nov 2011




Issued by The Hongkong and Shanghai Banking Corporation Limited
                                                Bank tariff guide for HSBC Retail Banking and
                                                Wealth Management Customers

                                                Welcome to HSBC’s easy guide to services and fees. You’ll find helpful

                                                sections with tips on how to save both time and money. With more

                                                options and more efficiency, we’re providing you better banking value

                                                and even more reasons to bank with HSBC.



1
                                                This guide is intended to give you a clear picture of the fees we charge for our
                                                most commonly used services. Please note that the sections on specific account
         To save money, time and effort,        types should be read in conjunction with the section entitled ‘General services – all
                                                accounts’.
    please log on to HSBC Internet Banking or   The charges in this guide were correct at the time of release but remain subject to
                                                change. For your own interest, please seek confirmation of the prevailing charge
            HSBC Mobile Banking at              related to the service you need. These charges are applicable only to accounts

               www.hsbc.com.hk                  maintained in the Hong Kong SAR with The Hongkong and Shanghai Banking
                                                Corporation Limited, which reserves the right to introduce charges not included in
      for internet/mobile banking services.     this guide. For charges which are not mentioned in this guide, please refer to the
                                                relevant promotional materials or ‘Commercial Tariffs for Hong Kong Commercial
                                                                                                                                           1
                                                Customers’.
                                                Please note that a 100% additional charge will be levied on non-HSBC customers on
                                                all banking services unless otherwise specified in this guide.
                                                Please note that some foreign currency/Renminbi bank charges listed in Hong Kong
                                                dollars are payable in the appropriate foreign currency/Renminbi in the equivalent
                                                amount. Payment of foreign currency/Renminbi notes is subject to availability. The
                                                charges for remittances do not include any charges that may be imposed by banks
                                                overseas.
                                                If you have any queries or disagreement about the charges and the charges relating
                                                to credit cards listed in this guide, please approach our branches, call (852) 2233 3322
                                                for HSBC Premier customers, (852) 2748 8333 for HSBC Advance customers or
                                                (852) 2233 3000 for other customers within office hours for assistance.
    Tips to save you money                                                                                                Tips to save you time and effort
    1 Interbank transfer in Hong Kong dollars                                                                             1 Become an HSBC Premier, HSBC Advance or SmartVantage customer
      The standard rate at a branch is HK$170, but if you use HSBC Internet Banking or                                      You’ll receive a consolidated monthly statement presenting a concise view of your
      HSBC Mobile Banking, your cost drops to only HK$30 (by e-Transfer, ie save HK$140)                                    financial position. All your financial arrangements like insurance, loans, investments
                                                                                                                            and mortgages, will be included in your monthly statement, showing your entire
      or HK$50 (by Express Transfer, ie save HK$120).
                                                                                                                            financial situation at a glance.
    2 Outward telegraphic transfer                                                                                        2 Consolidate accounts
      Enjoy the biggest saving by using HSBC Internet Banking or HSBC Mobile Banking any                                    You can readily consolidate various accounts from HSBC or other institutions into one.
      time of the day where the fee is only HK$110*. If your instruction is made at a branch                                You’ll find it easier and more efficient to manage all your financial affairs with a clearer
      and requires same day processing, place it before 12:00 noon on weekdays to save                                      view of your overall financial position.
      HK$40*. If you remit funds to mainland China, you will enjoy a HK$30 discount for                                   3 Trade securities/unit trusts or check indices any time
      payment to accounts held with HSBC branches† in mainland China.                                                       Trade securities/unit trusts or check indices easily and conveniently with phonebanking,
                                                                                                                            HSBC Internet Banking or HSBC Mobile Banking*.
    3 Cheque charges
                                                                                                                          4 Exclusive HSBC Premier Centres
2     Ensure your current account has sufficient funds before issuing a cheque to avoid an
                                                                                                                            Become an HSBC Premier customer and you’ll enjoy access to exclusive HSBC Premier
      insufficient funds charge, or, enjoy overdraft protection as an HSBC Premier, HSBC                                    Centres.
      Advance or SmartVantage customer.                                                                                   5 Remittance service
    4 Monthly fee                                                                                                           If you are receiving a payment from overseas, simply ask the payer to send it by
      You can avoid the HK$50 monthly fee for a Hong Kong dollar savings account if you                                     telegraphic transfer rather than a cheque drawn on an overseas account. As such,
      keep your balance at HK$5,000 or above or take up the Easy Savings service via your                                   the payment can be credited to your account directly, saving you the time and efforts
      Hong Kong dollar passbook savings account. Or if you use other services from HSBC,                                    waiting for cheque clearance at branch.
      such as HSBC Premier, HSBC Advance, SmartVantage, Super Ease, loans, unit trusts,                                   6 Credit facilities
      life insurance policies, mortgages, time deposits, Unit Trust Monthly Investment Plan,                                HSBC Premier, HSBC Advance and SmartVantage customers can enjoy credit facilities.
      etc, you will also be exempt from the monthly fee.                                                                  7 Use these self-service methods for more convenient and efficient money management.
                                                                                                                                                             HSBC             HSBC                    Phonebanking             Self-service
    5 Automatic bill payment                                                                                                                            Internet Banking   Mobile Banking                                       banking
      Pay bills instantly any time through HSBC Internet Banking or HSBC Mobile Banking,                                                                                                        Automated       Personal
      or even pre-set dates for automatic payment, and you’ll be sure to avoid overdue                                        Check balance                     ✓	                ✓	                ✓	             ✓	                ✓
      payment charges.                                                                                                        Deposit                                              	                 	              	                ✓
                                                                                                                              Withdrawal                                           	                 	              	                ✓           3
    6 HSBC Premier special privileges                                                                                         Transfer                          ✓	                ✓	                ✓	             ✓	                ✓
      HSBC Premier brings you full fee waivers or preferential offer of 50% off on                                            Pay bills                         ✓	                ✓†                ✓	              	                ✓
                                                                                                                              Trade securities                  ✓                 ✓	                ✓	             ✓	
      selected banking services. For details, please refer to Section G.                                                      Trade unit trusts                 ✓	                 	                ✓	             ✓	
                                                                                                                              Place Time Deposits               ✓	                ✓	                 	             ✓	
    7 Credit card charge                                                                                                      Place Deposit Plus                ✓	                ✓                                ✓	
      Become an HSBC Premier / HSBC Advance customer and your HSBC Premier                                                    Buy insurance                     ✓                 ✓‡                  	            ✓	               ✓‡
      MasterCard® credit card / HSBC Advance Visa Platinum Card annual fee will be waived                                     Outward telegraphic                                                         ¶
                                                                                                                              transfer                          ✓	                  	               	✓ 	          	✓**
      permanently.                                                                                                            Hong Kong dollar
                                                                                                                              interbank transfer                ✓	                 ✓
    8 Mortgage Advice Service
                                                                                                                              Foreign Currency                                                                                       ††
      Our online interactive Mortgage Planner helps you to select the best mortgage plan to                                   Exchange Services                 ✓                  ✓                  	             	               ✓
      fit your needs and minimise your interest expenses.                                                                     Passbook update                                                                       	               ✓
                                                                                                                              Personal information
    9 Paper Statement Service Annual Fee‡ (Effective 1 January 2011)                                                          update                            ✓	                  	                 	            ✓
      If you hold a Super Ease or Hong Kong Dollar Current account, you can avoid the HK$20 annual fee                        Cheque-book request               ✓	                  	                ✓	            ✓	                ✓
                                                                                                                              Check credit card
      if you choose to use our eStatement & eAdvice service. Join us now to create a greener world.                                                             ✓	                 ✓	                 	            ✓	
                                                                                                                              transactions
                                                                                                                             * Applies to securities trading only
      * Not applicable to renminbi (RMB) telegraphic transfers.                                                              † Applicable to those bills paid in HSBC Internet Banking before.
      † Excluding Hang Seng Bank Limited and subsidiaries.                                                                   ‡ Applies to single trip travel insurance only.
      ‡ The charge will apply to each eligible account if more than 2 paper statements are generated in a full calendar      ¶ Applies to remittance enquiry only.
        year.                                                                                                                ** Also applies to outward telegraphic transfer on standing instruction basis.
                                                                                                                             †† Support cash withdrawal of 4 major foreign currencies; JPY, USD, EUR, RMB at Foreign Currency Machines and RMB
                                                                                                                                cash withdrawal at designated ATMs.
    Contents                                                                                                                                                                 Contents


    Contents
    Item                                                                               Page   Item                                                                              Page
    A.     GEnERAl SERVICES                                                              7                   Clean bill returned unpaid for any reason
                                                                                                             Encashment of a foreign currency postal order
           A1.   General services – all accounts                                          7
                                                                                                           Outward payments
                 Cashier’s order
                                                                                                             Hong Kong dollar and foreign currency telegraphic transfer instructions
                 Coins changing/withdrawal/exchange to notes
                                                                                                                submitted via HSBC Internet Banking or Hexagon
                 Coins paid-in
                                                                                                             Hong Kong dollar and foreign currency telegraphic transfer
                 Bulk cash deposit
                                                                                                                paid in Hong Kong dollars or debited from an account with HSBC
                 Bulk cheque deposit
                                                                                                             Renminbi telegraphic transfer debited from Renminbi account with HSBC
                 Renminbi notes deposits/withdrawals
                                                                                                             Foreign currency demand drafts paid in Hong Kong dollars or
                 Foreign currency notes deposits/withdrawals in one single day
                                                                                                                debited from an account with HSBC
                 Notes exchange
                                                                                                             Telex confirmation to beneficiary banks
                 Gift cheque
                 Paper statement                                                                     C3.   Travellers’ cheques                                                     16
                 Safe deposit boxes                                                                        Encashment of travellers’ cheques
                 Special clearing arrangement (mark good)                                                  Payment of travellers’ cheques
                 Request for Banker’s report                                                               Sale of travellers’ cheques to customers
4
                 Request for document copies                                                               Travellers’ cheques sent for collection
                 Request for phonebanking confirmation advice (for non-bundled customers)            C4.   Interbank funds transfers                                               16
                 Standing instructions                                                                     Payment through Electronic Clearing (ECG)
                 Unauthorised overdraft                                                                    Payment through Real Time Gross Settlement (RTGS)
                 Special services
                 Emergency encashment services                                                D.     MORTGAGE SERVICES                                                             17
                 Transaction charges                                                                 Application fee
           A2.   General services – overseas services                                    9           Change of Mortgage Plan
                 Mortgage loan in overseas countries                                                 Change of repayment plan
                 Assisted overseas HSBC account opening                                              Change of Mortgagor / Guarantor / Mortgage Deed
                 Global Transfers                                                                    Request for each extra copy of documents
                 Other services                                                                      Lease consent letter on charged property
                                                                                                     Custody of non-discharged deeds after full loan repayment
    B.     DEPOSIT ACCOUnT/SERVICES                                                      10          Issuance of redemption statement for existing account
           Monthly fee                                                                               Late charge                                                                        5
           Stop payment order                                                                        General prepayment charge
           Returned cheque
           Passbook replacement                                                               E.     CARDS                                                                         18
           Cheque-book delivery
                                                                                                     E1.   Personal credit cards                                                   18
           Inactive account charges                                                                        Annual fee
           Account closure                                                                                 Linked Private Label Cards
           Counter transaction fee (for Easy Savings only)                                                 Card replacement fee
                                                                                                           Cash advance fee
    C.     PAyMEnT SERVICES                                                             12                 Minimum payment due
           C1.   Payment services – autoPay services                                    12                 Duplicate statement
                 Each autoPay instruction returned as a result of insufficient funds                       Finance charge
                                                                                                           Annualised Percentage Rate (APR)
           C2.   Payment services – remittances                                         12
                                                                                                           Late charge
                 Inward payments
                                                                                                           Overlimit handling fee
                    Payments of inward demand draft
                                                                                                           Over-the-counter payment handling fee
                    Payment of remittance receipt/inward demand draft
                                                                                                           Foreign cheque clearing fee
                    Request to overseas bank for inward telegraphic transfer
                                                                                                           Returned cheque/Rejected autoPay
                   Telegraphic transfer and mail transfer
                                                                                                           Sales slip retrieval
                    Payment of clean bills drawn on overseas banks
                                                                                                           Card reference letter
                    Clean bill drawn on overseas banks sent for collection
    Contents                                                                                                                                                         General services • All accounts


    Item                                                                          Page   A: General services
           E2.   ATM card/Other account cards                                      20    A1. General services – all accounts
                 Annual fee                                                               Item                                                          Charge
                 Overseas ATM cash withdrawal                                            Cashier’s order
                 Local ATM cash withdrawal                                               •	Issue/repurchase	a	cashier’s	order	                          HK$50
                 Card replacement fee                                                    •	Loss	of	a	cashier’s	order	                                   HK$60	plus	HK$300	collected	on		                   	
                                                                                                                                                        behalf of Hong Kong Interbank
                 Investigation of ATM transactions incorrectly made by customer                                                                         Clearing Limited on circulars issued
                                                                                         •	Additional	fee	for	handling	instructions	not	using	          HK$125	
    F.     BUnDlED SERVICES                                                        20      Bank’s standard form
                                                                                         •	Additional	fee	for	processing	instructions		        HK$25	
           HSBC Premier                                                                    submitted by facsimile (where accepted by the Bank)
           HSBC Advance                                                                  Coins changing/withdrawal/exchange to notes
           SmartVantage                                                                  Each bag of coins                                     HK$2
           Super Ease                                                                    Coins paid-in (per customer per day)
                                                                                         •	Below	500	coins	                                    Waived
                                                                                         •	500	coins	or	more	                                  2%	of	the	full	amount	(minimum	HK$50)
    G.     SPECIAl PRIVIlEGES FOR HSBC Premier                                     22    Bulk cash deposit – Hong Kong dollar/Renminbi notes (per customer per day)
                                                                                         •	Up	to	200	pieces	of	notes	                          Waived
                                                                                         •	Over	200	pieces	of	notes	                           0.25%	of	the	full	amount	(minimum	HK$50)
6                                                                                        Bulk cheque deposit transaction (per customer per day)
                                                                                         •	Up	to	15	transactions	                              Waived
                                                                                         •	Over	15	transactions	                               HK$1	per	additional	transaction*
                                                                                         Renminbi notes deposits/withdrawals in one single day (per account)
                                                                                         •	Renminbi	notes	deposits		                           Waived
                                                                                         •	Renminbi	notes	withdrawals	                         Waived
                                                                                         Foreign currency notes deposits/withdrawals in one single day (per account)
                                                                                         No fees up to:
                                                                                         A$1,000      NZ$1,000                                 If the single-day total deposits/withdrawals
                                                                                         Bt5,000      S$500                                    exceeds these amounts, normal charges
                                                                                         C$1,000      SFr500                                   will apply as follows:
                                                                                         500         US$1,000
                                                                                         £500         ¥75,000                                  Notes deposits: 0.25% of the total amount that day
                                                                                                                                               Notes withdrawals: 0.125% of the total amount that day
                                                                                                                                                        Other currencies (regardless of the amount):
                                                                                                                                                        commission charge based on prevailing market
                                                                                                                                                        rates
                                                                                                                                                        The Bank reserves the right to levy an extra
                                                                                                                                                        charge for the deposit of bulk currency notes.
                                                                                         Notes exchange
                                                                                         Each sale or purchase of Renminbi/foreign currency notes                                                                  7
                                                                                         by non-HSBC customers
                                                                                         •	Renminbi	notes	                                    HK$50
                                                                                         •	Foreign	currency	notes	                            HK$100
                                                                                         Gift cheque (per cheque)
                                                                                         •	Via	Gift	Cheque	Machine		                          HK$8
                                                                                         •	Via	HSBC	branches		                                HK$10
                                                                                         Paper statement   †
                                                                                         To receive paper statements                          HK$20 per account p.a.
                                                                                         Safe deposit boxes
                                                                                         Annual rental and other charges                      Please refer to the appropriate branch
                                                                                         Special clearing arrangement (mark good)
                                                                                         •	To	issue	a	special	clearing	memo	to	general		      HK$60	plus	other	bank	charges
                                                                                           customers for delivery to the cheque’s/draft’s
                                                                                           issuing bank
                                                                                         •	Direct	delivery	of	a	cheque,	draft,	etc	to	the	    Minimum	HK$200	plus	other	bank	
                                                                                           drawee bank for clearing                           charges
                                                                                         * Multiple cheques deposited into the same account with single customer advice will be counted as one transaction
                                                                                           entry. Waived if the cheques are deposited through cheque deposit machines or other non branch counter channels.
                                                                                         † Effective from 1 January 2011, this standard charge applies to Super Ease and Hong Kong Dollar Current accounts
                                                                                           if account holders receive more than 2 sets of paper statements (per account) during 2011. The following group of
                                                                                           customers will be exempt from the annual fee: aged 65 and above, recipients of Government’s Comprehensive Social
                                                                                           Security Allowance, recipients of Government’s Disability Allowance and the physically disabled or visually impaired.
    General services • All accounts                                                                                                                                                                General services • Overseas services




     Item                                                                      Charge                                           Item                                                                      Charge
    Request for Banker’s report                                                                                                Unauthorised overdraft
    Account address confirmation                                               HK$100                                          •	If an account has no overdraft facility or if an overdraft               Prevailing interest rate (calculated
    Banker’s endorsement on non-HSBC group                                                                                       exceeds its authorised limit (each occurrence)                           on a daily basis on the outstanding
    documents/bank reference letter                                                                                                                                                                       debit balance and applied monthly)
                                                                                                                                                                                                          plus handling charge
    •	Each	endorsement	                                                        HK$150
                                                                                                                               •	For	HSBC	Premier Integrated	Account	                                     HK$60	handling	charge
    •	Each	bank	reference	letter	                                              HK$300
                                                                                                                               •	For	AssetLink/BusinessVantage/Home	Owner’s	Overdraft/	                   HK$120	handling	charge
    •	Each	supplementary	copy	                                                 HK$20                                             Hong Kong Dollar Statement Savings/Hong Kong dollar
    Banker’s guarantee                                                                                                           current/US dollar current/Personal Overdraft/HSBC Advance/
    To issue a standard utility guarantee on behalf of a customer              2% p.a. (minimum HK$1,000)                        SmartVantage/Super Ease accounts/Revolving Credit Facility
    Banker’s opinion report                                                                                                    Special services
    •	Each	report	provided	to	local	banks	by	mail/facsimile	                   HK$300                                          Facsimile
    •	Each	report	provided	to	overseas	banks	by	facsimile/telex	               US$50                                           •	Up	to	five	pages	within	Hong	Kong	                                       HK$60
    •	Each	supplementary	copy	                                                 HK$20                                           •	Up	to	two	pages	outside	Hong	Kong	                                       HK$120
    Certificate of balance                                                                                                     •	Each	additional	page	(any	country)		                                     HK$60
    •	To	certify	the	balance	of	each	account	                                  HK$100                                          Telex
    •	To	certify	the	deposit	interest	earned	on	each	account	                  HK$150	(minimum	HK$250)                         Each telex (any country)                                                   HK$100
8
    Personal data access request                                               Circumstantial                                  Follow-up telex/message to correspondent banks
                                                                               (maximum HK$500 per request)*                   or HSBC’s overseas offices
                                                                                                                               •	Each	follow-up	telex/message	at	the	customer’s	request	                  HK$200	plus	any	other	overseas
    Request for document copies                                                                                                                                                                           charges
    Account history report                                                                                                     Emergency encashment services                                              US$20
    •	Any	account	within	one	calendar	year†                                    HK$250                                          •	For	HSBC	Premier	customer	                                               Waived
    •	Any	account	within	two	calendar	years	                                   HK$750                                          •	For	HSBC	Advance	customer	                                               Waived
    •	Any	account	within	three	calendar	years	                                 HK$1,000                                        Transaction charges                                                        The Bank reserves the right to levy a
    •	Each	additional	calendar	year	over	three	calendar	years	                 HK$1,000                                                                                                                   charge on transactions conducted
      (up to seven calendar years)
    Copies of statement/voucher/paid cheque/historical                                                                         A2. General services – overseas services
    consolidated statement/duplicate advice slip                                                                                Item                                                                      Charge
    •	Each	copy	(not	page)	                                                    HK$50
                                                                                                                               Mortgage loan in overseas countries
    •	Large	volume	request	                                                    Negotiable
                                                                                                                               Application fee                                                            HK$1,000
    Duplicate statement/transaction summary/interim statement
    •	To	produce	duplicate	statement	monthly/quarterly/	                       HK$200	p.a.                                     Assisted overseas HSBC account opening                                     HK$1,600
      half-yearly/annually                                                                                                     •	For	HSBC	Premier	customer	                                               Waived                                  9
    •	To	produce	duplicate	statement	at	other	intervals	                       Negotiable	(minimum	HK$200	p.a.)                •	For	HSBC	Advance	customer	                                               HK$800
    •	Request	for	account	transaction	summary	or	interim	                      HK$50	per	copy
      statement                                                                                                                Global Transfers‡ (exclusive for the following customers)
                                                                                                                               •	For	HSBC	Premier	customer	                                               Waived
    Request for phonebanking confirmation advice
    (for non-bundled customers)                                                HK$100                                          •	For	HSBC	Advance	customer	                                               US$7¶ (or equivalent)

    Standing instructions                                                                                                      Other services
    •	To	set	up,	amend	or	suppress	payment(s)	                        HK$70                                                    Local and overseas courier service                                         HK$100
      upon each instruction                                                                                                    ‡ This service is available in selective countries only.
    •	Each	non-computerised	payment	or	each	special	payment			        HK$150                                                   ¶ Detailed Global Transfer Fee Tariff can be accessed through Personal Internet Banking.
      request to an account with HSBC (other than the customer’s own)
    •	Each	standing	instruction	returned	as	a	result		                HK$150
      of insufficient funds
    Special payment requests
    •	To	any	account	with	HSBC	not	using	Bank’s	standard	form	                 HK$150	per	transaction
    •	To	a	third	party	account	with	HSBC	using	Bank’s	standard		               HK$150	per	transaction
      form not submitted at branch
    * This standard concessionary charge applies to the first time and normal data access request. In other cases, the Bank
      reserves the right to charge the actual commercial cost incurred without applying a cap to the charge. In any case,
      the Bank will inform the data requestor individually the actual handling charge and will only process the request upon
      receiving the requestor’s acceptance.
    † Calendar year is a period that starts on 1 January and ends on 31 December.
                                                                                                                                                                                                                                              Deposit account/services


     B: Deposit account/services
      Item                                                                                    Hong Kong dollar                             Renminbi                                    US dollar                      Other foreign currencies                Wayfoong
                                                                                           Current        Savings                   Current         Savings                  Current               Savings            Current           Savings             Passbook Gold
     Monthly fee
     Accounts with monthly balance less than HK$5,000*                                       N/A                HK$50                 N/A                 N/A                  N/A                  N/A                 N/A                  N/A                   N/A
     Accounts with monthly balance less than RMB5,000*                                       N/A                 N/A                  N/A               RMB50                  N/A                  N/A                 N/A                  N/A                   N/A

     Stop payment order
     To stop payment on each or a series of cheque(s)/dividend                             HK$100                N/A                HK$100                N/A               HK$100                  N/A                 N/A                  N/A                   N/A
     warrant(s) in sequential order issued by the account holder or to
     cancel each stop payment order

     Returned cheque
     Each cheque returned due to insufficient funds                                        HK$150                N/A               RMB200†                N/A               HK$150                  N/A                 N/A                  N/A                   N/A
     Each cheque returned for other reasons                                                HK$50                 N/A                RMB50                 N/A                HK$50                  N/A                 N/A                  N/A                   N/A

     Passbook replacement
     Due to damage to passbook or loss of chop                                               N/A               HK$100                 N/A                 N/A                  N/A                 HK$100               N/A               HK$100                 HK$100
10
     Cheque-book delivery (per cheque-book)
     By ordinary mail                                                                         Nil                N/A                   Nil                N/A                  Nil                  N/A                 N/A                  N/A                   N/A
     By registered mail                                                                     HK$25                N/A                 HK$25                N/A                HK$25                  N/A                 N/A                  N/A                   N/A

     Inactive account charges (per currency for every six months)
     For those accounts inactive for more than two years and with
     a balance lower than:
     A$350                   NZ$350                                                        HK$100              HK$100               RMB100              RMB100               US$20                 US$20               A$20                 A$20                   N/A
     Bt10,000                RMB1,000                                                                                                                                                                                 Bt1,000              Bt1,000
     C$350                   S$350                                                                                                                                                                                     C$20                 C$20
     200                    SFr350                                                                                                                                                                                     20                  20
     £200                    US$250                                                                                                                                                                                     £20                  £20
     HK$2,000                ¥50,000                                                                                                                                                                                  NZ$20                NZ$20
                                                                                                                                                                                                                       S$20                 S$20
                                                                                                                                                                                                                       SFr20                SFr20
                                                                                                                                                                                                                      US$20                US$20
                                                                                                                                                                                                                      ¥2,000               ¥2,000                                  11

     Account closure
     Lost passbook                                                                           N/A                HK$50                 N/A                 N/A                  N/A                 HK$50                N/A                HK$50                 HK$50
     Within	three	months	of	the	date	of	its	opening	                                       HK$200	              HK$50	              RMB200	             RMB50	              HK$200	                HK$50	             HK$200	              HK$50	                HK$50
     Improperly conducted account closed by the Bank                                       HK$300                N/A                RMB300                N/A               HK$300                  N/A                 N/A                  N/A                   N/A
     Counter transaction fee (for Easy Savings only)
     Transfer/cash withdrawal (per transaction)                                              N/A                HK$20                 N/A                 N/A                  N/A                  N/A                 N/A                  N/A                   N/A
     * Rolling average for the previous three months. Exemptions apply to senior citizens aged 65 and above or customers who hold any one of the following products/services: HSBC Premier, HSBC Advance, SmartVantage, Super Ease, overdrafts, loans, mortgages, unit
       trusts, Unit Trust Monthly Investment Plan, life insurance policies and time deposits. For Hong Kong dollar savings account holders, in addition to the aforementioned product/service type eligible for exemptions, the following group of customers will be exempt from
       the monthly fee: Recipients of government disability allowances, recipients of Comprehensive Social Security Assistance by reason of disability.
     † This charge is made for the returned cheque due to insufficient fund for cheque settlement and payment of cheque handling fee for insufficient fund, or the amount of a single cheque exceed RMB80,000.
                                                                                                                                                                                                           Payment services • AutoPay services/Remittances


     C: Payment services
     C1. Payment services – autoPay services
      Item                                                                                                                                          Charge
     Each autoPay instruction returned as a result of insufficient funds                                                                             HK$150

     C2. Payment services – remittances
     Inward payments
      Item                                                                                                           Demand draft/Remittance receipt                                             Telegraphic transfer^/Mail transfer
                                                                                                                               drawn on                                                                     for credit to
                                                                                                              HSBC in Hong Kong          other local banks                     HSBC in Hong Kong         other local banks           another overseas bank
     Payments of inward demand draft
     •		Proceeds	credited	to	an	account	with	HSBC	                                                                      Nil	                            N/A	                             N/A	                                N/A	                              N/A
     •		Proceeds	paid	in	Hong	Kong	dollar	cash	or	by	Hong	Kong	dollar	cashier’s	order	to		                            HK$150	                           N/A	                             N/A	                                N/A	                              N/A
        customers without an account with HSBC in Hong Kong¶ (except HSBC Premier customers)
     •		Proceeds	paid	in	cash	of	the	same	currency	(non-Hong	Kong	dollar)	as	the	remittance	received		         0.3%	of	the	full	amount	                 N/A	                             N/A	                                N/A	                              N/A
     	 (subject	to	availability	of	the	currency	note)	                                                            (minimum	HK$80)	                       	                                	                                   	
     Payment of remittance receipt/inward demand draft
     •		Each	remittance	receipt/demand	draft	to	the	credit	of	an	account	with	HSBC		                                    N/A	                             Nil	                            N/A	                                N/A	                              N/A	              	
        with exchange rate quoted from the local drawee bank over the telephone
     •	Each	remittance	receipt/demand	draft	to	the	credit	of	an	account	with	HSBC	of	the	same	currency		                N/A	                          HK$120	                            N/A	                                N/A	                              N/A
     •		Each	remittance	receipt/demand	draft	to	the	credit	of	an	account	with	HSBC	forwarded				                        N/A	                          HK$200	                            N/A	                                N/A	                              N/A
        to the local drawee bank by messenger for exchange rate quotation
12   •	Each	US	dollar	receipt/draft	to	the	credit	of	an	account	with	HSBC	using	settlement	via			                        Nil	                            Nil	                            N/A	                                N/A	                              N/A
        local US dollar clearing system
     Request to overseas bank for inward telegraphic transfer^
     •	Each	request	sent	on	behalf	of	the	customer	for	a	telegraphic	transfer^ from an overseas account                 N/A                             N/A                            HK$250                                N/A                               N/A
     Telegraphic transfer^ and mail transfer
     To	the	credit	of	an	account	with	HSBC	                                                                             N/A	                            N/A	                           HK$60	                                N/A	                              N/A
     To the credit of a beneficiary account with another bank in Hong Kong
     •	Paid	through	RTGS	                                                                                               N/A	                            N/A	                             N/A	                              HK$230	                             N/A
     •	Paid	by	a	cashier’s	order		                                                                                      N/A	                            N/A	                             N/A	                              HK$200	                             N/A
     To	the	credit	of	a	beneficiary	account	with	another	bank		                                                         N/A	                            N/A	                             N/A	                         HK$60	plus	normal	                HK$60	plus	normal		
     using an outward telegraphic transfer^ or a demand draft                                                                                                                                                     outward remittance charges        outward remittance charges
     Proceeds paid in Hong Kong dollar cash or by cashier’s order to customers without an account                       N/A                             N/A                            HK$250                                N/A                               N/A
     with HSBC in Hong Kong (except HSBC Premier customers)
     Proceeds	paid	in	cash	of	the	same	currency	(non-Hong	Kong	dollar)	as	the	remittance	received			                    N/A	                            N/A	                  HK$60	plus	commission	                         N/A	                              N/A	
     (subject to availability of the currency note)                                                                                                                          of 0.25% of the full amount
                                                                                                                                                                                 (minimum HK$100)
     Proceeds	redirected	to	other	destinations	at	the	request	of	the	beneficiary,	by	means	of		                         N/A	                            N/A	                             N/A	                     HK$60	plus	commission	       HK$60	plus	commission
     outward telegraphic transfer^, RTGS, demand draft or mail transfer                                                                                                                                         of 0.25% of the full amount  of 0.25% of the full amount
                                                                                                                                                                                                              (minimum HK$300) plus normal (minimum HK$300) plus normal
                                                                                                                                                                                                                outward remittance charges   outward remittance charges

                                                                                                                                                                                                                                                                                     13
       Item                                                                                                                                 Clean bills purchased                                                                   Clean bills sent for collection
                                                                                                Demand draft                                    Clean cheque                      Travellers’ cheques
                                                                                                  issued by                                       issued by                         purchased from                                  Demand draft/        Travellers’ cheques
                                                                                     HSBC banks*/           non-HSBC bank                       companies or             HSBC banks*/           non-HSBC bank                       clean cheque
                                                                                       branches                                                personal entities           branches
     Payment of clean bills drawn on overseas banks†                            0.25% of the full amount     0.375% of the full amount      0.375% of the full amount 0.25% of the full amount 0.375% of the full amount                 N/A                     N/A
     To the credit of an account with HSBC‡                                        (minimum HK$100)             (minimum HK$100)               (minimum HK$100)          (minimum HK$100)         (minimum HK$100)
     Clean bill drawn on overseas banks sent for collection
     •	Each	cheque‡                                                                        N/A                         N/A                            N/A                       N/A                         N/A             HK$250 including postage           N/A
                                                                                                                                                                                                                              (payable in advance)
     •	Each	batch	(up	to	a	maximum	of	20	cheques)	to	a		                                   N/A	                        N/A	                           N/A	                      N/A	                        N/A	                      N/A	           HK$250	including	postage
       single destination‡                                                                                                                                                                                                                             (payable in advance)
     •	Each	additional	cheque	thereafter	                                                  N/A	                        N/A	                           N/A	                      N/A	                        N/A	                      N/A	                    HK$5
     Clean bill returned unpaid for any reason
     Each cheque‡                                                                        HK$150                      HK$150                         HK$150                    HK$150                       HK$150                      HK$150                   HK$150
     Encashment of a foreign currency postal order                                                     As for payment of foreign currency cheque                               N/A                          N/A                         N/A                      N/A
     * Excluding Hang Seng Bank Limited and subsidiaries.
     † For Hong Kong dollar cheques drawn on banks in Guangdong Province including Shenzhen, a flat fee of HK$50 per cheque will be charged. For US dollar cheques drawn on banks in Shenzhen, a flat fee of HK$100 per cheque will be charged.
     ‡ Plus correspondent bank charges (if applicable).
     ¶ Excluding Renminbi demand draft.
     ^ Includes inward payments from overseas bank accounts irrespective of routing arrangement.
                                                                                                                                                                                                                                  Payment services • Remittances


     Outward payments
       Item                                                                                                                              Demand draft                                                               Telegraphic transfer^
                                                                                                                   drawn on                                    drawn on                                  sent to                              sent to
                                                                                                              HSBC banks*/branches                           non-HSBC bank                         HSBC banks*/branches                   non-HSBC bank
     Hong Kong dollar and foreign currency telegraphic transfer^ instructions submitted
     via HSBC Internet Banking
     •	To	mainland	China	                                                                                                 N/A	                                      N/A	                                   HK$80†‡                                    HK$110†‡
     •	To	other	countries	                                                                                                N/A	                                      N/A	                                   HK$110†‡                                   HK$110†‡
     Hong Kong dollar and foreign currency telegraphic transfer^ paid in Hong Kong dollars or
     debited from an account with HSBC
     Each telegraphic transfer^ issued
     •	Telegraphic	transfer^ instructions submitted via HSBC branches
       - To mainland China                                                                                                N/A                                       N/A                                    HK$170†‡                                  HK$200†‡
       - To other countries                                                                                               N/A                                       N/A                                    HK$200†‡                                  HK$200†‡
     •	Additional	fee	for	handling	instructions	not	using	Bank’s	standard	form	                                           N/A	                                      N/A	                                    HK$125	                                   HK$125	 	               	
     •	Additional	fee	for	processing	instructions	submitted	by	facsimile	(where	accepted	by	the	Bank)		                   N/A	                                      N/A	                                    HK$25	                                    HK$25	 	                	
     •	Additional	fee	for	payment	details	exceeding	140	characters	requiring	the	use	of			                                N/A	                                      N/A	                                    HK$120	                                   HK$120	
       an additional telex (each telex)
     •	Each	telegraphic	transfer^ amendment/enquiry/cancellation/returned                                                 N/A                                       N/A                            HK$250 plus any additional                HK$250 plus any additional
                                                                                                                                                                                                       charges levied by                         charges levied by
                                                                                                                                                                                                      the overseas bank                         the overseas bank
14   •	Each	telegraphic	transfer^ instruction returned as a result of insufficient funds                                  N/A                                       N/A                                     HK$150                                    HK$150
     Renminbi telegraphic transfer^ debited from Renminbi account with HSBC
     Each telegraphic transfer^ issued
     •		Telegraphic	transfer^ instructions submitted via HSBC branches
                                                                                                                                                                                                                     ¶                                         ¶
        - To mainland China                                                                                               N/A                                       N/A                                     HK$150                                    HK$200
                                                                                                                                                                                                                   ¶                                         ¶
        - To other countries                                                                                              N/A                                       N/A                                     HK$200                                    HK$200
     •		Telegraphic	transfer^ instructions submitted via HSBC Internet Banking
                                                                                                                                                                                                                     ¶                                         ¶
        - To mainland China                                                                                               N/A                                       N/A                                     HK$150                                    HK$200
     •	Additional	fee	for	handling	instructions	not	using	Bank’s	standard	form	                                           N/A	                                      N/A	                                    HK$125	                                   HK$125
     •	Each	telegraphic	transfer^ instruction returned as a result of insufficient funds                                  N/A                                       N/A                                     HK$150                                    HK$150
     Foreign currency demand drafts paid in Hong Kong dollars or debited from an account with HSBC
     •	Each	demand	draft	issued	                                                                                       HK$100†                                    HK$100†                                     N/A                                       N/A
     •	Each	demand	draft	repurchased	                                                                                   HK$100	                                   HK$100	                                     N/A	                                      N/A	       	
     •	To	report	the	loss	of	a	demand	draft		                                                                 HK$300	plus	any	additional	               HK$300	plus	any	additional	                           N/A	                                      N/A	
                                                                                                             fee levied by the drawee bank             fee levied by the drawee bank
     •	Additional	fee	for	handling	instructions	not	using	Bank’s	standard	form	                                         HK$125	                                   HK$125	                                     N/A	                                      N/A	       	
     •	Additional	fee	for	processing	instructions	submitted	by	facsimile	(where	accepted	by	the	Bank)	                  HK$25	                                     HK$25	                                     N/A	                                      N/A	       	
     Telex confirmation to beneficiary banks                                                                                                                                                                                                                                      15
     Each confirmation                                                                                                    N/A                                       N/A                                     HK$200                                     HK$200

     * Excluding Hang Seng Bank Limited and subsidiaries.
     † An extra charge of HK$200 is made for remote currencies eg Korean won, New Taiwan dollar.
     ‡ An extra charge of HK$150 is made for telegraphic transfers containing up to a maximum of 24 Chinese characters.
       An extra charge of HK$40 is made for instructions via HSBC branches received after 12:00 noon on weekdays, or for instructions received on Saturday, requesting same day processing.
       For telegraphic transfer sending direct to or routing through Australia, Bangladesh, Brunei, Canada, Mainland China, Guam, India, Indonesia, Japan, Korea (South), the Macau SAR, Malaysia, Mauritius, New Zealand, Pakistan, the Philippines, Singapore, Sri Lanka,
       Taiwan, Thailand, the UK, the USA and Vietnam, an optional flat fee of HK$150 can be made to cover the overseas HSBC banks*/branches payment charges. If telegraphic transfer is made through HSBC Internet Banking, the overseas handling charge is HK$50.
       Additional charges may be levied by other banks where incorrect, incomplete or unclear information is provided by customers in the instructions. These charges may be deducted from the payment amount or from the remitter’s account regardless of the charges
       option.
     ¶ The extra charge of HK$150 is waived for Renminbi telegraphic transfers containing up to a maximum of 24 Chinese characters.
     ^ Includes outward payments to overseas bank accounts irrespective of routing arrangement.
     Payment services • Travellers’ cheques/Interbank funds transfer                                                                                                                                                      Mortgage services


     C3: Travellers’ cheques                                                                                                D. Mortgage services
      Item                                                                 Charge                                            Item                                                                         Charge
     Encashment of travellers’ cheques*                                                                                     Application fee (chargeable upon acceptance of loan offer)
     Each encashment in the same foreign currency or                       Nil                                              Each application                                                              0.15% of the loan amount
     in Hong Kong dollars of travellers’ cheques purchased
     from HSBC bank†/branches                                                                                               Change of Mortgage Plan                                                       HK$1,500 per request
     Each encashment in the same foreign currency                                                                           Change of repayment plan
     or in Hong Kong dollars of travellers’ cheques
     •	Purchased	from	other	banks	                                         0.375%	of	the	full	amount	                       General change, eg instalment amount, loan tenure,                            HK$1,000
     	                                                                     (minimum	HK$60‡)                                 repayment option/frequency
     Payment of travellers’ cheques                                                                                         For Hong Kong Housing Authority interest-free loan refinancing                HK$500
     •	For	credit	to	purchaser’s	account	with	HSBC	                        As	for	encashment	of	travellers’	cheques         Change of repayment scheme from straight-line repayment to                    HK$2,000
                                                                                                                            reducing balance repayment or vice versa
     •	For	credit	to	other	party’s	account		                               As	for	payment	of	clean	bills
                                                                                                                            Change of Mortgagor / Guarantor / Mortgage Deed                               HK$1,000 per request
     Sale of travellers’ cheques to customers
     Payment in Hong Kong dollars                                          1% of the full amount                            Request for each extra copy of documents
                                                                                            ¶
                                                                           (minimum HK$50 )                                 Statement/confirmation letter                                                 HK$100
     Payment in the same foreign currency                                  1.25% of the full amount                         Repayment schedule/rate change advice/facility letter                         HK$100
16   as the travellers’ cheques issued                                     (minimum HK$100)
                                                                                                                            Certified copies of mortgage/Deed of Assignment/Sale and                      HK$200 per set
     Travellers’ cheques sent for collection                                                                                Purchase Agreement/Deed of Mutual Covenant
     Each batch (up to a maximum of 20 cheques)                            As for clean bills sent for collection           Confirmation of ownership/particulars of mortgage/                            HK$150
     to a single destination                                                                                                outstanding balance
     Each additional cheque thereafter                                     As for clean bills sent for collection           Annual interest statement                                                     HK$100
                                                                                                                            Lease consent letter on charged property                                      HK$1,000 per letter
     C4: Interbank funds transfers                                                                                          Custody of non-discharged deeds after full loan repayment                     HK$4,000 per year
      Item                                                                 Charge                                           Issuance of redemption statement for existing account                         HK$200 per copy
     Payment through Electronic Clearing (ECG)**                                                                            Late   charge‡‡                                                               HK$400
     Each Hong Kong dollar outward payment to the credit                   HK$30
                                                                                                                            General prepayment charge
     of an account held with other local banks via
     HSBC Internet Banking/HSBC Mobile Banking                                                                              Full prepayment charge
                                                                                                                            •	If	within	1st	year	of	drawdown	                                             3%	of	the	original	loan	amount
     Payment through Real Time Gross Settlement (RTGS)**
                                                                                                                            •	If	within	2nd	year	of	drawdown	                                             2%	of	the	original	loan	amount
     Each real time outward RTGS payment to the credit of an account held with other local banks
                                                                                                                            •	If	within	3rd	year	of	drawdown	                                             1%	of	the	original	loan	amount
     •	Via	HSBC	Internet	Banking	                                          HK$50††                                                                                                                                                                 17
                                                                                                                            Partial prepayment charge
     •	Via	HSBC	Mobile	Banking			                                          HK$50††                                          •	Within	first	2	years	from	drawdown	                                         2	months’	interest	on	partial	
     •	Via	HSBC	branches
                            1
                                                                           HK$170                                                                                                                         prepaid amount
     Additional fee for handling instructions not using                    HK$125                                                                                                                         (minimum HK$50,000)
     Bank’s standard form                                                                                                   ‡‡ Applicable where there is a default in making any monthly/fortnightly repayment in full when due (including where
                                                                                                                               there are insufficient funds in the repayment account); a late charge shall be levied for each default.
     Additional fee for processing instructions submitted by               HK$25
     facsimile (where accepted by the Bank)
     Each real time outward RTGS payment returned as                       HK$150
     a result of insufficient funds
     Each inward payment to the credit of                                  HK$15
     an account with HSBC

     * For encashment of a large amount of travellers’ cheques, the Bank reserves the right to levy a higher charge.
     † Excluding Hang Seng Bank Limited and subsidiaries.
     ‡ For non-HSBC customers, the minimum charge is HK$120.
     ¶ For non-HSBC customers, the minimum charge is HK$100.
     ** The funds transferred through ECG will be credited to the recipient’s account by the end of the day or the next
        business day, subject to the recipient bank’s arrangement.
        The funds transferred through RTGS will normally be credited to the recipient’s account on the transfer date. The
        reference to “business day” means a day, other than a Saturday, Sunday or public holiday, on which banks are open
        for general business in Hong Kong.
     †† For payments to a beneficiary bank which the Bank cannot effect as RTGS payment, we will transfer via telegraphic
        transfer and the corresponding tariff will apply. For HSBC Mobile Banking, the payment through RTGS should be
        done via HSBC Internet Banking before.
     1 An extra charge of HK$150 is made for telegraphic transfers containing up to a maximum of 24 Chinese characters.
                                                                                                                                                                                                                                              Cards • Personal credit cards


     E: Cards
     E1. Personal credit cards
      Item                                                                                                                                                      Charge
                                                       HSBC Premier          HSBC Advance            Platinum Card             Visa Gold,           Visa,                 JCB Gold              iCAN Card               RMB                   RMB                     US dollar
                                                     MasterCard® Credit Card Visa Platinum Card   (incl. green credit card) Gold MasterCard       MasterCard                                                          Gold Card           Classic Card                Visa Gold
     Annual fee
     Primary card                                    waived permanently waived permanently             HK$1,500               HK$550                 HK$250                 HK$320                 HK$300              RMB550               RMB250                      US$70
     Additional card (separate billing)                     N/A                 N/A                      N/A                  HK$550                 HK$250                 HK$320                  N/A                 N/A                  N/A                        US$70
     Additional	card	(combined	billing)	             waived	permanently	 waived	permanently	            HK$750	               HK$275	                HK$125	                HK$160	                 N/A	               RMB275	              RMB125	                     US$35
     Linked Private Label Cards
     Joining fee                                                                                                                waived                                                                                                                    N/A
     Replacement fee                                                                                                            HK$30                                                                                                                     N/A
     Card replacement fee
     Card replacement before renewal                        waived               HK$100                HK$100                  HK$100                HK$100                 HK$100                 HK$100              RMB100               RMB100                      US$13
     Emergency card replacement                             waived               waived                waived                  waived                HK$195                 waived                 HK$195               N/A                  N/A                         N/A
     Virtual card account                                    N/A                  N/A                   N/A                     N/A                   N/A                    N/A                   HK$100               N/A                  N/A                         N/A
     Cash advance fee
     From ATM (per transaction)                                                                            Cash advance fee of 2% plus handling fee of 3%                                                                Cash advance fee of 2%                  Cash advance fee of 2%
                                                                                                           on the amount of advance (minimum HK$55)*                                                                     plus handling fee of 3%                 plus handling fee of 3%
                                                                                                                                                                                                                           on advance amount                       on advance amount
18                                                                                                                                                                                                                         (minimum RMB55)                          (minimum US$7)*
     Over-the-counter advances (per transaction)                                                           Cash advance fee of 2% plus handling fee of 3%                                                                                                        Cash advance fee of 2%
     	 	    	 	                                                                                             on	the	amount	of	advance	(minimum	HK$80)*                                                                               N/A                          plus handling fee of 3%
                                                                                                                                                                                                                                                                   on advance amount
                                                                                                                                                                                                                                                                   (minimum US$10)*
     Minimum payment due                                                                                                                                                                                                 3% of statement balance
                                                                                                                                                                                                                            (excluding overdue)                           N/A
                                                                                   3% of statement balance (excluding overdue) or credit limit whichever is lower (minimum HK$50)                                    or credit limit whichever is lower
                                                                                                        plus the overdue or overlimit due whichever is higher                                                             (minimum RMB50) plus
                                                                                                                                                                                                                       the overdue or overlimit due
                                                                                                                                                                                                                            whichever is higher
     Duplicate statement
     Each statement                                                                                                             HK$30                                                                                   RMB30               RMB30                        US$4
     Finance charge                                                         No finance charge will be payable if the total outstanding balance is paid into the credit card account by the payment due date. If the cardholder fails to pay the Bank the whole
                                                                              of the statement balance by the payment due date, a finance charge will be applied (a) to each card transaction (excluding cash advance) making up the statement balance,
                                                                               as well as each new card transaction (excluding cash advance) entered into by the cardholder since the last statement date, from the transaction date and (b) to any other
                                                                             amounts making up the statement balance from the last statement date, until the statement balance is fully paid. The finance charge will accrue daily and be calculated at an
                                                                                                                                  interest rate of 2.33% per month (equivalent to the APRs listed below)
     Annualised Percentage Rate (APR) †
     On	purchase	                                              	                     	                     	                  	 31.86%
                                                                                                                                                                                                                                                                                           19
     On cash advance (inclusive of the handling                                                                                 33.07%
     and cash advance fees)
     Late charge                                                                                                                                                                                                           5% of minimum                            5% of minimum
                                                                                                                      5% of minimum amount due
                                                                                                                                                                                                                        amount due (minimum                      amount due (minimum
                                                                                                                 (minimum	HK$180,	maximum	HK$250)
     	 	    	 	                                                                                                                   	                                                                                   RMB180,	maximum	RMB250)	                  US$24,	maximum	US$33)
     Overlimit handling fee
     (applicable	if	the	current	balance	exceeds			          HK$90	                HK$180		             HK$180	                HK$180	                HK$180	                HK$180	                HK$180	             RMB180	              RMB180	                     US$24
     the credit limit for the time being
     assigned to the card account)
     Over-the-counter payment handling fee
     Per transaction                                                                                                           HK$20
     Foreign cheque clearing fee                                                                                               HK$100                                                                                     N/A                 N/A                       US$13
     Returned cheque/Rejected autoPay
     (if drawn on banks other than HSBC)                                                                                       HK$100                                                                                     N/A                 N/A                       US$13
     Sales slip retrieval
     Each photocopy                                                                                                             HK$30                                                                                   RMB30               RMB30                        US$4
     Card reference letter                                                                                                     HK$150                                                                                  RMB150               RMB150                      US$20

     * This charge also applies to non-HSBC customers.
     † This APR is calculated based on a set of assumptions as set out in the relevant guidelines as referred to in the Code of Banking Practice and the actual APR applied may be different. US dollar Visa Gold Cards require full payment and the APR (calculated by assuming
       only 3% of the current balance is settled each month) is just for reference.
     Note: 1. The other above-mentioned charges are also applicable to standalone Private Label Card.
           2. Card transactions (except for RMB credit cards) which are effected in currencies other than Hong Kong dollars (for a Hong Kong dollar card) and US dollars (for a US dollar card) will be debited to the Card Account after conversion into Hong Kong or US dollars,
              as appropriate, at a rate of exchange determined reference to the exchange rate adopted by Visa/MasterCard/JCB on the date of conversion plus 0.95% imposed by the Bank and a fee of 1% charged by Visa/MasterCard/JCB to the Bank.
           3. For RMB credit cards, all card transactions effected in currencies other than Renminbi shall be debited to the Card Account after conversion into renminbi at the prevailing rate of exchange determined by the Bank on the date of conversion.
                                                                                                                                                                                                       Cards • ATM card/Other account cards / Bundled Services


     E2. ATM card/Other account cards
      Item                                                                                                                                                                                      Charge
                                                                                                                            ATM card                                                                      Other account cards
     Annual fee                                                                                                              waived                                                                    Cash Card account: waived
     Overseas ATM cash withdrawal *
     From the HSBC Group’s ATM network outside of HK                                                                                                                            HK$15 – HK$20 per transaction
     From overseas networks/sites (ExpressNet or Megalink in the Philippines,                                                                                                       HK$20 per transaction
     Industrial	and	Commercial	Bank	of	China	in	Guangzhou,	Wells	Fargo	Bank	in	USA)	                                                                                                           	
     From Visa/Plus network                                                                                          HK$25 per transaction                                     HK$25 per transaction (for secondary account(s) using a Visa card)
     From MasterCard/Cirrus network                                                                                  HK$25 per transaction                                    HK$25 per transaction (for secondary account(s) using a MasterCard)
     From UnionPay network                                                                                                                                                          HK$15 per transaction
     Local ATM cash withdrawal
     From HSBC Group’s ATM network in HK                                                                                                                                         No charge
     From non-HSBC Group’s ATM network in HK (Visa/Plus or MasterCard/Cirrus network)                                HK$25 per transaction                    HK$25 per transaction (for secondary account(s) using a Visa or MasterCard card)
     From non-HSBC Group’s ATM network in HK (UnionPay network)                                                                                                             HK$15 per transaction
     Card replacement fee                                                                                                                                                          HK$50
     (excluding credit cards)                                                                                         (for replacement of a lost or damaged card that has been held by the customer for more than three months but less than two years)
     Investigation of ATM transactions incorrectly made by customer                                                                                                          HK$120 per request
20   * For transactions effected via the MasterCard/Cirrus ATM network, the money withdrawn is first converted to US dollars, and then to Hong Kong dollars, at the daily exchange rates set by MasterCard and HSBC respectively, plus a conversion charge. For transactions
        effected via the Visa/Plus ATM network, the money withdrawn is converted directly into Hong Kong dollars at the daily exchange rates set by Visa plus a conversion charge. For transactions effected via other networks (including HSBC overseas ATMs), the money
        withdrawn is converted directly into Hong Kong dollars at the daily exchange rate set by HSBC plus a conversion charge. For transactions effected via the UnionPay network, the money debited is converted directly into Hong Kong dollars at the daily exchange rate
        set by China UnionPay.


     F: Bundled services
      Item                                                                                                            Below balance fee† (based on average Total Relationship Balance over the last three months)
     HSBC Premier
     For customer with a Total Relationship Balance of
     •	HK$1,000,000	and	above	                                                                                        Nil
     •	Below	HK$1,000,000		                                                                                           HK$380
     HSBC Advance
     For customer with a Total Relationship Balance of
     •	HK$200,000	and	above	                                                                                          Nil
     •	Below	HK$200,000		                                                                                             HK$120
     SmartVantage
     For customer with a Total Relationship Balance of
     •	HK$10,000	and	above	                                                                                           Nil                                                                                                                                                                   21
     •	Below	HK$10,000		                                                                                              HK$60
     Super Ease
     For customer with a Total Relationship Balance of
     •	HK$3,000	and	above	                                                                                            HK$15
     •	Below	HK$3,000		                                                                                               HK$35

     † The monthly below balance fee applies to each Integrated Account held by the customer.
     The above fee structures are based on your Total Relationship Balance (TRB)1 which includes:
     •		Hong	Kong	dollar/renminbi/foreign	currency	deposits	
     •		Market	value	of	the	following	investments:	local	and	overseas	securities,	unit	trusts,	bonds,	certificates	of	deposit,	equity	linked	investments,	structured	notes,	Monthly	Investment	Plan	(Stocks/Unit	Trusts)	and	Wayfoong	Statement	Gold	
     •		Deposit	amounts	of	Deposit	Plus	and	structured	investment	deposits	(including	Capital	Protected	Investment	Deposits)	
     •		Utilised	lending	facilities	(excluding	mortgages	and	amounts	outstanding	on	credit	cards)	
     •		Savings	and	investment	portions	of	life	insurance	policies,	HSBC	MPF	balances	and	HSBC	ORSO	Defined	Contribution	Scheme	balances	which	are	administered	by	HSBC	Life	(International)	Limited.
     Should your TRB remain below HK$1 million for 12 months, your HSBC Premier service tier may be withdrawn.
     To determine your overall TRB in sole capacity, the applicable TRB of all your personal sole account(s)2 and all your joint account(s)3 will be included in the calculation.
     To determine your overall TRB in joint capacity, the applicable TRB of all your joint account(s)2 held with the same joint account holders will be included in the calculation. All life insurance, MPF and ORSO Defined Contribution Scheme policies are held under personal
     sole account only, the account balances shall not be included in the TRB calculation in joint capacity.
     Note:
     1. There may be a time lag before the value of certain investment transactions (eg Initial Public Offering (IPO) subscriptions for securities, bonds, open-end funds and certificates of deposit) and life insurance policies will be included in the TRB due to the processing time
        required and therefore may affect the TRB in the Bank’s record.
     2. All these accounts must be held or registered under the same name(s) and identity number(s).
     3. Your name and identity number held or registered under these joint accounts must be the same as that held or registered under your sole account.
     Special privileges for HSBC Premier                                                                                                                                                Special privileges for HSBC Premier


     G: Special privileges for HSBC Premier
     HSBC Premier brings you full fee waivers or preferential offer of 50% off on selected banking services.

     Item                                                      Special privileges                              Item                                                                Special privileges
     G1. General services – all accounts                                                                       G4. Credit card
     Cashier’s order                                                                                           HSBC Premier credit card
     •	Issue/	repurchase	at	HSBC	banks/	branches	              HK$25                                           •	Primary	card	annual	fee	                                          Waived
     •	Issue/	repurchase	via	standing	instructions	            Waived                                          •	Additional	cards	annual	fee	                                      Waived
     Coins changing/withdrawal/exchange to notes                                                               •	Overlimit	handling	fee	                                           HK$90
     (Each bag of coins)                                       HK$1                                            •	Joining	fee	for	Linked	Private	Label	Cards	                       Waived
     Coins paid-in (per customer per day)                                                                      Lost card – replacement fee
     •	Below	500	coins	                                        Waived                                          •	HSBC	Premier credit	card	                                         Waived
     •	500	coins	or	more	                                      1%	of	the	full	amount	(minimum	HK$25)           •	HSBC	Premier	ATM	card/Junior	Pack	Cash	Card	                      HK$50	per	card
     Foreign currency note deposits/withdrawals in             No fees up to:                                  G5. Transaction fee for ATMs
     one single day (per account)                              A$1,000        £1,000      US$5,000
                                                               Bt10,000       NZ$1,000    ¥150,000             Cash	withdrawal	made	through	the	HSBC		                             Waived††
                                                               C$1,000        S$1,000                          Group’s ATM network using HSBC Premier
                                                               1,000         SFr1,000                         ATM Card/Junior Pack Cash Card/HSBC Premier
                                                                                                               credit card
     Gift cheque (per cheque)
     •	Via	Gift	Cheque	Machine			                              HK$4                                            * Applicable to the HSBC Premier Integrated Account only. Other Integrated Accounts/normal accounts (including those
                                                                                                                  held by an HSBC Premier customer) are not applicable.
22   •	Via	HSBC	branches		                                     HK$5                                            † Applicable to telegraphic transfers to self-named HSBC accounts (including joint accounts). Not applicable to
                                                                                                                  telegraphic transfers set up via standing instructions. An extra charge of HK$200 is made for remote currencies, e.g.
     Payment through Real Time Gross Settlement                                                                   Korean won, New Taiwan dollar.
     •	Each	inward	payment	from	local	banks			                 HK$7.5                                          ‡ It refers to the flat fee of HK$150 covering the overseas HSBC banks/branches payment charges. If telegraphic
     Standing instructions*                                                                                       transfer is made through HSBC Internet Banking, the overseas handling charge is HK$50.
                                                                                                               ¶ Other additional overseas charges (if applicable) will be borne by customers. For details, please refer to Section C2
     •	To	set	up,	amend	or	suppress	payment(s)		               Waived                                             Payment Services - Remittances - Outward Payments.
       upon each instruction                                                                                   ** This service is available in selective countries only.
     Unauthorised overdraft handling charge*	                  HK$60                                           †† Please refer to section E2 for other applicable ATM withdrawal charges.
     Overseas Banking Services
     •	Assisted	overseas	HSBC	account	opening	                 Waived
     Emergency encashment services 	                           Waived
     G2. Deposit account/services
     Cheque-book delivery by registered mail*	                 Waived
     G3. Payment services – remittances
     Inward telegraphic transfer
     •	Local	handling	charge		                                 Waived
     Outward telegraphic transfer                                                                                                                                                                                                         23
     •	Local handling charge for telegraphic transfer          Waived
       to your self-named HSBC accounts in different
       countries, submitted via HSBC Internet Banking†
     •	Handling	charge‡	to	remitter	raised	by	the	overseas	    Waived
       entities of the HSBC Group/overseas HSBC branches¶
     Global Transfers**
     •	Global	Transfer	fee	                                    Waived
     Travellers’ cheques
     Each encashment in the same foreign currency or
     in Hong Kong dollars of travellers’ cheques
     •	Purchased	from	other	banks	                             0.1875%	of	the	full	amount	
                                                               (minimum HK$30)
     Sale of travellers’ cheques
     •	Payment	in	Hong	Kong	dollars	                           0.5%	of	the	full	amount	(minimum	HK$25)
     •	Payment	in	the	same	foreign	currency		                  0.625%	of	the	full	amount	(minimum	HK$50)
       as the travellers’ cheques issued

								
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