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.
† Regular account and debit card 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.
** 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.
® 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.
® MONERIS is a registered trademark of Moneris Solutions Corporation.
® Allpoint is a registered trademark of ATM National, LLC.