What are the benefits of HSBC Advance?
We have a range of benefits for our HSBC Advance customers:
Accessible banking on your terms
Multi-channel banking solutions enable you to bank your way, anytime, anywhere.
You may manage your finance easily via our online and mobile banking, phone banking, Express Banking and extensive branch network.
Financial management at your fingertips
Look after your financial needs through our mobile apps and enjoy the convenient and secure banking service of our leading digital solutions.
With HSBC Mobile Banking app, easily pay bills, transfer money, check your account balance, enquire about rates, place time deposits, trade stocks and foreign currencies, and buy travel insurance.
Expect the unexpected
No matter what your life goals are, our broad range of wealth and insurance products can help make them a reality.
We provide local and international market information and market outlook. You can also have access to eAlerts, online 24-hour investment tools and financial planning tools.
When spending is rewarding
HSBC credit card provides dining, shopping and lifestyle offers all over Hong Kong.
As an HSBC credit cardholder, you can use the HSBC Reward+ app to manage your credit card account, anytime and anywhere.
HSBC Advance exclusive
Priority counter services1 at branches keep you one step ahead.
Dedicated 24/7 HSBC Advance hotline at (852) 2748 8333 makes account management easy.
Service fee waiver for emergency encashment service.
Global View and Global Transfers2 enable you to conveniently view, manage and make transfers to your self-named HSBC accounts held in different countries and territories by simply logging on to online banking.
FX Order Watch Trading Services3 provide round-the-clock alert service. You can set your own target rate and a transaction will be executed automatically when the rate is reached.
Preferential rates and service charges.
How do I apply for HSBC Advance?
If you are an existing HSBC customer, you can apply online for HSBC Advance.
For new HSBC customers, you can visit any HSBC branch; or book an appointment with us.
What documents do I need to open an HSBC Advance Account?
If you are already an HSBC customer, you can join HSBC Advance online.
If you are a new customer, you will need to provide the original documents and information to us in person by visiting any branch.
- If you are a Hong Kong permanent resident, please provide Hong Kong identity card
- If you are a Hong Kong non-permanent resident, please provide Hong Kong identity card and nationality proof or a valid travel document with name, date of birth, nationality and travel document number
- If you are a Non-HK resident and physically present in Hong Kong, please provide a valid travel document with name, date of birth, nationality and travel document number
A residential address proof (for example, a bank statement or utility bill) is also needed for investment account application.
What do I need to be eligible for HSBC Advance?
Simply maintain your Total Relationship Balance at HKD200,000 or above to enjoy HSBC Advance. This includes:
- Deposits
- Investments
- Utilised credit facilities
- Life insurance with savings or investment component
- HSBC MPF balances
- HSBC ORSO Defined Contribution Scheme balances administered by HSBC Life (International) Limited (Effective 1 Nov 2018, HSBC ORSO Defined Contribution Scheme balances will be administered by The Hongkong and Shanghai Banking Corporation Limited)
We will review your account from time to time and in case your Total Relationship Balance is below HKD200,000, we may notify you in advance to convert your HSBC Advance account to Personal Integrated Account.
How long does it take to register for HSBC Advance through Personal Internet Banking?
Once you register, an integrated account will be available immediately for your use if your application is submitted within the online business hours -- Mondays to Fridays 8.30 am-7.00 pm, Saturdays 8.30am-4.00 pm.
If you submit after business hours or on public holidays, your application will be processed on the next working day at 8.30 am and, under normal circumstances, your HSBC Advance will be in operation before 10.00 am on the same day.
I'm an existing HSBC customer. Am I eligible therefore to register for HSBC Advance through Personal Internet Banking?
Yes, you are welcome to register for HSBC Advance online in your sole name if:
- you have a sole-named personal bank account with HSBC (credit cards and safe deposit boxes are excluded) and
- you have a total relationship balance of HKD200,000 or above
Can I register for HSBC Advance in joint names through Personal Internet Banking?
You are welcome to visit any branch of HSBC if you wish to open a joint-name account. You cannot register for HSBC Advance account in joint names online as the logon represents your sole identity.
Is there any additional fee for registering for HSBC Advance through Personal Internet Banking?
No, there is no additional fee for registering for HSBC Advance online. Only the normal service charges apply.
Can I access my HSBC Advance when I am overseas?
Yes. Once you have successfully registered for HSBC Advance online, the system will automatically add this to your account list with HSBC under our Personal Internet Banking system. This means you can manage your finances online with ease - any time and anywhere in the world, as long as you have an internet connection.
Is there any difference in service if I register for HSBC Advance at a branch or through Personal Internet Banking?
No. Please rest assured that service provision will be the same, regardless of the account opening channel.
Do I need to pay any fee or charge if I apply for the secured credit facility but do not use this service?
There is no additional service fee for your secured credit facility. Charges will only be incurred if you have used the secured credit line; interest is calculated daily based on the amount used and is applied monthly to the account.
Can I switch the autoPay instructions from my passbook account to this new HSBC Advance?
You can switch your autoPay instruction through HSBC Personal Internet Banking. You should first delete the autoPay instruction from your existing passbook account and then set it up again in your new HSBC Advance. Upon logging on, select the 'Banking' tab and select ' autoPay '. Select the 'Existing instruction(s)' tab, which shows your existing autoPay instruction(s) in all of your accounts with HSBC.
Select the 'Delete' button to delete the specific autoPay instruction from your passbook account.
Next, set up the same autoPay instruction under your new HSBC Advance.
Alternatively, you can visit any branch of HSBC and the staff will handle your instructions on the spot.
Please notify the recipient (the party to whom you authorise us to make a payment) about the changes.
Will I receive a confirmation letter/email when my registration for HSBC Advance is successful?
If you submit the account opening application within the online business hours -- Mondays to Fridays, 8.30 am-7.00 pm, Saturdays 8.30am-4.00 pm, you will be notified immediately on the status of the application in the Acknowledgement page. Therefore, no confirmation letter/email will be sent to you again. If you submit the account opening application after online business hours, you will receive an email notification on the next working day following your account application.
When can I operate my HSBC Advance account after it is opened online?
You can operate immediately, but foreign exchange and time deposit will only be available on the next working days.
Do I need to bring along any documents to collect the account pack?
Yes, when you collect the account pack, you are required to bring along an up-to-date identification document and present this to the selected branch of HSBC for verification. The welcome pack contains an ATM card and PIN, phone banking PIN and cheque book The bank reserves the right to request a cop of your identification document if it is deemed necessary.
If I am temporarily not able to collect the HSBC Advance account pack (including the User's Guide, cheque book, ATM card and PIN, as well as phone banking PIN) from my selected branch of HSBC, how long will the bank keep the account pack at the branch?
HSBC recommends that you collect the account pack as soon as you can, since the account pack can provide you with detailed information about the product you have registered for, and also the account tools to enable you to access the new account via multiple channels. If you cannot visit your selected branch of HSBC to collect the account pack within a reasonable period, say, four weeks, please call the branch concerned to make special arrangements.
How can I check the status of my credit card application?
Please mark down a reference number displayed on screen after you have submitted your application. You may call HSBC Advance Hotline on (852) 2748 8333 and quote the reference number to check your application status.
Useful links
Remarks:
1Priority counter service is not available in the following branches: Bonham Road, Cheung Chau, Discovery Bay, Peng Chau, Silvermine Bay, the University of Hong Kong, Yung Shue Wan, Cathay Bay City and Sky Plaza. Priority counter service will be updated from time to time. Please visit the HSBC website for branch and Express Banking locations.
2This service is available in designated countries and territories and will be extended to more countries and territories in the future. There is a service fee for HSBC Advance customers on using Global Transfer service. For details, please refer to the Bank tariff guide for HSBC Retail Banking and Wealth Management Customers or check with branch staff.
3FX Order Watch Trading Services are exclusively provided to HSBC Jade, HSBC Premier and HSBC Advance customers only. The services are only applicable to integrated accounts, HKD/FCY Statement Savings Accounts and HKD Current Accounts, except Multiple Currencies Savings Accounts or HK Dollar Passbook Savings Accounts. Customers can trade via FX Order Watch Trading Services from Monday 5am Hong Kong Time to Saturday 4am Hong Kong Time during summer time (U.S. daylight saving), and Monday 5am Hong Kong Time to Saturday 5am Hong Kong Time during winter time (non-U.S. daylight saving). Currency conversion risk - the value of your foreign currency and RMB deposit will be subject to the risk of exchange rate fluctuation. If you choose to convert your foreign currency and RMB deposit to other currencies at an exchange rate that is less favourable than the exchange rate in which you made your original conversion to that foreign currency and RMB, you may suffer loss in principal.