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ATM Banking

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.

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

  • 200+ 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 

  • 3,100+ 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*
  • ATM or Payment Network Margins** applicable
    The foreign currency amount withdrawn is first converted to HKD using an exchange rate set by HSBC Hong Kong, and a 1% margin is applied by HSBC Hong Kong. Then, that amount in Hong Kong Dollars is converted to CAD using an exchange rate set by HSBC Hong Kong. Please note that in some countries, Foreign Currency Transactions that are carried out using HSBC International ATMs may be routed through the Cirrus® network. In those circumstances, the Payment Network Margins described below under Cirrus® will apply, instead of the Payment Network Margins described here.
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.

Find an ATM

Download the HSBC ATM Locator app to find HSBC, THE EXCHANGE® and Allpoint® ATMs

Visit the Mastercard Canada ATM locator to find Cirrus® ATMs

Find an HSBC ATM or branch

Find an Accel® ATM

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

^ 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.

* An ATM convenience fee, sometimes referred to as an ATM surcharge, 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.

± HSBC International ATM network participating countries/regions include Armenia, Australia, Bahrain, Bangladesh, Bermuda, Brunei, Canada, China, Egypt, United Kingdom, USA, Hong Kong, Cayman, India, Indonesia, Iraq, Japan, Jordan, Korea, Lebanon, Macau, Malaysia, Maldives, Mauritius, Oman, Pakistan, Philippines, Qatar, Ramallah, Saudi Arabia, Singapore, Sri Lanka, Taiwan, Thailand, United Arab Emirates and Vietnam.  HSBC ATMs in other countries/regions may be routed through the Cirrus network.

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

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

® Trade-mark of Interac Corp. Used under license.

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

® MONERIS is a registered trademark of Moneris Solutions Corporation.

® Allpoint is a registered trademark of Cardtronics, Inc.

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