Keep your money safe
With high security levels, payment and transfer limits protect your money from scammers. Daily payment and transfer limits include registered / non-registered payees, self-named / third-party HSBC accounts[@transfer-and-payment-payeelimit-thirdpartyhsbc] and bill payments, etc. made through digital and self-service channels, including HSBC HK App, HSBC Online Banking, phone banking and ATM services.
How payment and transfer limits protect you
Global payment / transfer limits
'Daily cross-border transfer master limit' (with effect from 30 June 2024) is a daily master limit of up to HKD3,000,000 or equivalent covering all global payments / transfers[@transfer-and-payment-payeelimit-gbawmc] via HSBC HK App and Online Banking. It will be set at HKD0 by default as a precaution to protect your account.
Your maximum daily transfer amount to registered / non-registered global payees, and self-named / third-party global HSBC accounts, will be subjected to this new 'daily cross-border transfer master limit' and the existing respective cross-border transfer limits, whichever is lower. Global payment/ transfer sub-limits[@transfer-and-payment-payeelimit-limitcurrency] are as follows.
- Up to HKD3,000,000 daily limit to each registered global payee account
- Up to HKD400,000 daily limit[@transfer-and-payment-payeelimit-dailymasterlimit] to all non-registered payee accounts[@transfer-and-payment-payeelimit-atmservices],[@transfer-and-payment-payeelimit-sharedlimit]
- Up to HKD10,000 daily small-value payment limit for all online payments (including FPS x PromptPay QR payment via 'Scan to pay' under 'FPS transfer' on HSBC HK App)[@transfer-and-payment-payeelimit-smallvaluepayment]
- USD200,000 daily limit for all HSBC Global Transfers[@transfer-and-payment-payeelimit-globaltransfer1] to self-named global HSBC accounts
- USD50,000 daily limit for all HSBC Global Transfers to third-party global HSBC account
Payment types | HSBC HK App / HSBC Online Banking |
Phone banking |
Overseas ATM |
---|---|---|---|
(With effect from 30 June 2024) Global payments / transfers to registered and non-registered accounts, and self-named HSBC accounts (per customer as payer) | Master limit up to HKD3,000,000[@transfer-and-payment-payeelimit-svp] | N/A | N/A |
Global payments / transfers to registered accounts (per payee account) | Channel limit up to HKD3,000,000 | Channel sub-limit up to HKD1,000,000 | N/A |
Global payments / transfers to non-registered accounts (per customer as payer) |
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HSBC Global Transfers to self-named global HSBC account | Channel limit of USD200,000 | N/A | N/A |
HSBC Global Transfers to third-party global HSBC account | Channel limit of USD50,000 | N/A | N/A |
Payment types | (With effect from 30 June 2024) Global payments / transfers to registered and non-registered accounts, and self-named HSBC accounts (per customer as payer) |
---|---|
HSBC HK App / HSBC Online Banking |
Master limit up to HKD3,000,000[@transfer-and-payment-payeelimit-svp] |
Phone banking |
N/A |
Overseas ATM | N/A |
Payment types | Global payments / transfers to registered accounts (per payee account) |
HSBC HK App / HSBC Online Banking |
Channel limit up to HKD3,000,000 |
Phone banking |
Channel sub-limit up to HKD1,000,000 |
Overseas ATM | N/A |
Payment types | Global payments / transfers to non-registered accounts (per customer as payer) |
HSBC HK App / HSBC Online Banking |
|
Phone banking |
|
Overseas ATM |
|
Payment types | HSBC Global Transfers to self-named global HSBC account |
HSBC HK App / HSBC Online Banking |
Channel limit of USD200,000 |
Phone banking |
N/A |
Overseas ATM | N/A |
Payment types | HSBC Global Transfers to third-party global HSBC account |
HSBC HK App / HSBC Online Banking |
Channel limit of USD50,000 |
Phone banking |
N/A |
Overseas ATM | N/A |
Examples of quota usage under the new 'daily cross-border transfer master limit' (with effect from 30 June 2024)
Local payment / transfer limits
Limits[@transfer-and-payment-payeelimit-limitcurrency] at a glance:
- Up to HKD3,000,000 daily limit to each registered local payee account
- Up to HKD400,000 daily limit[@transfer-and-payment-payeelimit-dailymasterlimit] to all non-registered payee accounts[@transfer-and-payment-payeelimit-atmservices],[@transfer-and-payment-payeelimit-sharedlimit]
- Up to HKD10,000 daily small-value payment limit for all online payments/ transfers[@transfer-and-payment-payeelimit-smallvaluepayment]
Payment types | HSBC HK App / HSBC Online Banking |
Phone banking |
Local ATM |
---|---|---|---|
Local payments / transfers to registered accounts (per payee account) | Channel limit up to HKD3,000,000 | Channel sub-limit up to HKD1,000,000 | N/A |
Local payments / transfers to non-registered accounts (per customer as payer) |
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Transfers from linked same-name accounts at other local banks using Top up HSBC accounts via eDDA (Electronic Direct Debit Authorisation) |
|
N/A | N/A |
Payment types | Local payments / transfers to registered accounts (per payee account) |
---|---|
HSBC HK App / HSBC Online Banking |
Channel limit up to HKD3,000,000 |
Phone banking |
Channel sub-limit up to HKD1,000,000 |
Local ATM | N/A |
Payment types | Local payments / transfers to non-registered accounts (per customer as payer) |
HSBC HK App / HSBC Online Banking |
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Phone banking |
|
Local ATM |
|
Payment types | Transfers from linked same-name accounts at other local banks using Top up HSBC accounts via eDDA (Electronic Direct Debit Authorisation) |
HSBC HK App / HSBC Online Banking |
|
Phone banking |
N/A |
Local ATM | N/A |
Bill payment limits
Master limit and sub-limits[@transfer-and-payment-payeelimit-limitcurrency] at a glance:
- Up to HKD5,000,000 daily master limit for all payments to merchants[@transfer-and-payment-payeelimit-eipo]
- Up to HKD5,000,000 daily limit for eIPO[@transfer-and-payment-payeelimit-eipo]
- Up to HKD999,999 daily limit for Government / Utilities[@transfer-and-payment-payeelimit-govtutilities]
- Up to HKD500,000 daily limit for Securities Brokers[@transfer-and-payment-payeelimit-svp]
- Up to HKD500,000 daily limit for Sports and Leisure[@transfer-and-payment-payeelimit-svp],[@transfer-and-payment-payeelimit-sportsandleisure]
- Up to HKD250,000 daily limit for Other Merchants[@transfer-and-payment-payeelimit-othermerchants]
Payment types | Payment limits |
---|---|
eIPO |
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Government / Utilities | HSBC HK App / HSBC Online Banking, Phone banking and Local / overseas ATM:
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Securities Brokers | HSBC HK App / HSBC Online Banking, Phone banking and Local / overseas ATM:
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Sports and Leisure | HSBC HK App / HSBC Online Banking, Phone banking and Local / overseas ATM:
|
Other merchants | HSBC HK App / HSBC Online Banking, Phone banking and Local / overseas ATM:
|
Payment types | eIPO |
---|---|
Payment limits |
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Payment types | Government / Utilities |
Payment limits |
HSBC HK App / HSBC Online Banking, Phone banking and Local / overseas ATM:
|
Payment types | Securities Brokers |
Payment limits |
HSBC HK App / HSBC Online Banking, Phone banking and Local / overseas ATM:
|
Payment types | Sports and Leisure |
Payment limits |
HSBC HK App / HSBC Online Banking, Phone banking and Local / overseas ATM:
|
Payment types | Other merchants |
Payment limits |
HSBC HK App / HSBC Online Banking, Phone banking and Local / overseas ATM:
|
How to change your daily payment and transfer limit
We will launch the limit setting feature on HSBC HK App and Online Banking on 30 June 2024. This feature will allow you to set / adjust the 'daily cross-border transfer master limit' immediately per your needs.
Please ensure that you've activated your Mobile Security Key (or hold a physical security device) and maintained a valid email address and mobile number in your bank record before setting your 'daily cross-border transfer master limit' via:
Contact us
If you need further help, you can connect via 'Chat with us' on the HSBC HK App or HSBC Online Banking or call the following customer service hotlines.
HSBC Global Private Banking customers
HSBC Premier Elite customers
HSBC Premier customers
Other personal banking customers