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.
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 |
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 |
Network | No longer accessible starting |
---|---|
THE EXCHANGE® Network ATMs | March 18 at 8pm ET / 5pm PT |
All ATM & POS networks |
Morning of March 30 |
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
Find an HSBC ATM or branch
Find an Accel® ATM
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.
THE EXCHANGE® Network ATMs
- Around 3,000 ATMs
- No ATM convenience fee† applicable
- Supported transactions include withdrawals, deposits, transfers, balances, PIN changes
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® 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 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® 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
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.
® 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.