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ATM Banking

Important changes to ATM access for personal and commercial bankcards

The sale of HSBC Bank Canada (HSBC) to Royal Bank of Canada (RBC) is expected to close by the end of March 20241. The ATMs and point-of-sale (POS) services listed below will stop early to support the transition.

For the latest updates on the migration, visit rbc.com/hsbc-canada.

HSBC Canada ATM Transactions
Transactions No longer accepted starting
THE EXCHANGE® Network transactions March 18 at 8pm ET / 5pm PT
HSBC international debit & credit card withdrawals  March 26 at 5am ET / 2am PT
HSBC customer deposits and declared night deposits   March 26 at 6pm local time
HSBC credit card cash advances (withdrawals) March 27 at 9pm ET / 6pm PT
All other non-HSBC customer transactions March 27 at 9pm ET / 6pm PT
All other HSBC Canada customer transactions March 28 at 12pm local time​
HSBC Canada ATM Transactions
Transactions THE EXCHANGE® Network transactions
No longer accepted starting March 18 at 8pm ET / 5pm PT
Transactions HSBC international debit & credit card withdrawals 
No longer accepted starting March 26 at 5am ET / 2am PT
Transactions HSBC customer deposits and declared night deposits  
No longer accepted starting March 26 at 6pm local time
Transactions HSBC credit card cash advances (withdrawals)
No longer accepted starting March 27 at 9pm ET / 6pm PT
Transactions All other non-HSBC customer transactions
No longer accepted starting March 27 at 9pm ET / 6pm PT
Transactions All other HSBC Canada customer transactions
No longer accepted starting March 28 at 12pm local time​
HSBC Canada debit cardholder access to other ATM networks
Network No longer accessible starting
THE EXCHANGE® Network ATMs March 18 at 8pm ET / 5pm PT
All ATM & POS networks
Morning of March 30
HSBC Canada debit cardholder access to other ATM networks
Network THE EXCHANGE® Network ATMs
No longer accessible starting March 18 at 8pm ET / 5pm PT
Network All ATM & POS networks
No longer accessible starting Morning of March 30

To support a smooth transition for HSBC customers, RBC® will provide you with the ability to make withdrawals from your HSBC bank account using your HSBC Bank Canada debit card from their extensive network of 4000+ ATMs across Canada. You can do this starting Sunday, March 17 at 12:01am ET without incurring the $3 surcharge*† that would typically apply. Other fees may apply depending on your account or transaction type.

Your RBC Client Card will become active the morning of March 30.

You can continue to make withdrawals with your HSBC Bank Canada debit card at:

  • HSBC Bank Canada ATMs± until Thursday, March 28 at 12pm noon local time when our branches close.
  • RBC and other ATMs, including over 2 million Cirrus ATMs worldwide, until the morning of Saturday, March 30.
  • INTERAC ATMs and Point of Sale terminals in Canada (except any that are also part of THE EXCHANGE Network).
     

Additionally, you can continue to make deposits:

  • Through HSBC Mobile Banking until Thursday, March 28 at 4am ET / 1 am PT.
  • At an HSBC branch until Thursday, March 28 at 12pm noon local time.
  • At an HSBC Bank Canada ATM until Tuesday, March 26 at 6pm local time.
     

Accessing THE EXCHANGE Network ATMs with your HSBC credit card:

  • HSBC credit card access to THE EXCHANGE ATMs remains unchanged.
  • You can continue to make cash advances using your personal and small business HSBC credit cards until the cards stop working on April 1.

Make banking more convenient

Take advantage of one of Canada’s largest ATM networks to make withdrawals and deposits, transfer funds, pay your bills and more. Wherever you are in Canada, just look for HSBC or THE EXCHANGE® Network logo to access our no charge ATM network.

Find an ATM

Download the HSBC ATM Locator app to find no convenience fee HSBC and THE EXCHANGE® ATMs in Canada and Allpoint® ATMs in the US.

Visit the Mastercard Canada ATM locator to find Cirrus® ATMs

Benefits and features

A personalized experience

Create your own ATM experience. You can choose your language, set up your fast cash withdrawal amount, and more.

Advanced, customizable features

Touch-screen displays, multiple language options including English, French, Mandarin and Cantonese, and voice guidance for the visually impaired and more.

A range of available transactions

Withdraw cash, including U.S. dollars at select locations, make deposits, pay bills and transfer funds, check your balances, and even set and change your PIN.

Access to Canadian ATM services

Access your money at thousands of no-charge HSBC and THE EXCHANGE® Network ATMs nationwide.

HSBC logo

HSBC ATMs

  • Around 170 ATMs
  • No ATM convenience fee applicable
  • Supported transactions include withdrawals (some ATMs support USD^), deposits, bill payments, transfers, balances, recent transactions, set and change PIN, fast cash, language and receipt preferences
THE EXCHANGE logo

THE EXCHANGE® Network ATMs 

  • Around 3,000 ATMs
  • No ATM convenience fee applicable 
  • Supported transactions include withdrawals, deposits, transfers, balances, PIN changes
INTERAC logo

INTERAC® ATMs 

  • 59,000+ ATMs 
  • ATM convenience fee* is typically $3+ 
  • Supported transaction is withdrawals only
    (Note: Foreign currency withdrawals are subject to conversion rates including any margins applied by the ATM provider, which are shown onscreen at the time of the transaction.)
CIRRUS logo

Cirrus® ATMs 

  • 65,000 ATMs (many include INTERAC®) 
  • ATM convenience fee* is typically $3+ 
  • Supported transactions include withdrawals, balance inquiries (at some ATMs)
    (Note: Foreign currency withdrawals are subject to conversion rates including any margins applied by the ATM provider, which are shown onscreen at the time of the transaction.)

Access to international ATM services

Conveniently access your money through various ATM networks worldwide including HSBC.  Additionally, enjoy no ATM convenience fee at 40,000+ Allpoint® ATMs in top retail stores located virtually everywhere in the United States.

When you withdraw foreign currency from an ATM outside Canada, your transaction may involve one or more currency conversions by one or more entities (ATM or Payment Network Providers). These entities operate ATMs and/or participate in the electronic payment networks that process transactions involving a currency different from the currency of your account (Foreign Currency Transactions). The term ATM or Payment Network Providers includes third parties and affiliates of HSBC Bank Canada, but it excludes HSBC Bank Canada and its subsidiaries. These ATM or Payment Network Providers may set their own exchange rates and may each include their own fees, commissions, surcharges, margins or rate spreads (ATM or Payment Network Margins) when you withdraw foreign currency from an ATM outside Canada. These ATM or Payment Network Providers may apply ATM or Payment Network Margins as shown below:

Worldwide

HSBC logo

HSBC International ATMs±

  • 18,000 ATMs in 34 countries
  • Some HSBC countries may charge an ATM convenience fee*
  • HSBC international ATM transactions route through Cirrus and therefore the Cirrus Payment Network Margins** are applicable
  • The foreign currency amount withdrawn is first converted to USD and then from USD to CAD. Both conversions are made by Cirrus® using the daily Mastercard currency conversion rate. A 2.5% margin is applied to the CAD amount by Moneris®, a third-party ATM or Payment Network Provider that HSBC Bank Canada uses to give customers access to the Cirrus® network.
CIRRUS logo

Cirrus® ATMs 

  • 2 million+ ATMs
  • ATM convenience fee* will vary depending on ATM operator
  • ATM or Payment Network Margins** applicable
    The foreign currency amount withdrawn is first converted to USD and then from USD to CAD. Both conversions are made by Cirrus® using the daily Mastercard currency conversion rate. A 2.5% margin is applied to the CAD amount by Moneris®, a third-party ATM or Payment Network Provider that HSBC Bank Canada uses to give customers access to the Cirrus® network.

Within the US

accel logo

Accel® ATMs

  • 500,000+ ATMs
  • ATM convenience fee* is typically applicable, but some ATM operators may not charge a fee.
  • ATM or Payment Network Margins** applicable
    The USD amount withdrawn is converted to CAD using the Wall Street Journal’s posted exchange rate plus a 2.55% margin.
Allpoint logo

Allpoint® ATMs

  • 40,000+ ATMs
  • No ATM convenience fee applicable
  • ATM or Payment Network Margins** applicable
    The transaction is routed to the Cirrus® network, and the USD amount withdrawn is converted to CAD by Cirrus® using the daily Mastercard currency conversion rate. Moneris® applies a 2.5% margin to the CAD amount.

 


1
The sale of HSBC Bank Canada to Royal Bank of Canada is expected to close by the end of March 2024 and is subject to the satisfaction of customary closing conditions.

®RBC is a registered trademark of Royal Bank of Canada. Used under licence.

® THE EXCHANGE and Accel logos are registered trademarks of Fiserv, Inc., licensed for use in Canada by FICANEX Services Limited Partnership.

* An ATM surcharge, sometimes referred to as an ATM convenience fee, is a fee charged by another ATM operator for the use of their ATM.

Regular account and debit card transaction fees may apply per ATM withdrawal depending on your account package..

± All HSBC branches will have an ATM available.

® INTERAC and the INTERAC logo are trademarks of Interac Corp. Used under licence.

® Cirrus is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to license.

‡ The foreign currency amount withdrawn is first converted to USD and then from USD to CAD. Both conversions are made by Cirrus® using the daily Mastercard currency conversion rate. A 2.5% margin is applied to the CAD amount by Moneris®, a third-party ATM or Payment Network Provider that HSBC Bank Canada uses to give customers access to the Cirrus® network.

^ Available at select HSBC branch ATMs. Transaction fees may apply. Available only from Canadian dollar accounts linked to your HSBC Bank Canada debit card. You can withdraw up to your daily Canadian and US dollar debit card limits, provided you have the funds available.

** Third-party ATM or Payment Network Providers may change their Payment Network Margins without notice.

® MONERIS is a registered trademark of Moneris Solutions Corporation.

® Allpoint is a registered trademark of ATM National, LLC.

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