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Automatic bank account and credit card alerts
What automatic alerts are you sending?
Bank account alerts – You’ll be getting automatic text message alerts for each of your chequing and savings accounts and lines of credit each time the available balance falls below CAD $100 (or equivalent). This includes accounts you didn’t previously set alerts for.
Credit cards alerts – You’ll be automatically enrolled to receive alerts when the available credit on your credit card falls below CAD $100 (or equivalent).
You won’t receive automatic alerts if we don't have your Canadian mobile number, or if you don’t have a mobile phone.
How can I manage or opt out of automatic alerts?
You can use the HSBC Canada App to turn alerts on and off for your bank accounts and credit cards, and to set your preferred threshold limits to alerts.
You can also text “STOP” in response to an alert message, but this will turn off all of your bank account and credit card alerts.
Why am I getting account alerts I haven’t signed up for?
The Government of Canada requires all banks in Canada to send automatic alerts. Automatic account alerts are designed to help you keep track of your money and fees, and avoid potential interruptions to the use of your accounts.
What does it mean when I get a text message alert saying “min balance threshold reached” or “available credit threshold reached”?
Account alert text message |
What it means |
Bank Accounts |
Bank Accounts with Line of Credit/Overdraft |
Credit Cards |
|---|---|---|---|---|
“min balance threshold reached” |
Your account balance has fallen below a specified amount (default is 100 CAD) |
✔ |
✔ |
Not Applicable |
“available credit threshold reached” |
Your available credit has fallen below a specified amount (default is 100 CAD) |
Not Applicable |
✔ |
✔ |
Account alert text message |
“min balance threshold reached” |
|---|---|
What it means |
Your account balance has fallen below a specified amount (default is 100 CAD) |
Bank Accounts |
✔ |
Bank Accounts with Line of Credit/Overdraft |
✔ |
Credit Cards |
Not Applicable |
Account alert text message |
“available credit threshold reached” |
What it means |
Your available credit has fallen below a specified amount (default is 100 CAD) |
Bank Accounts |
Not Applicable |
Bank Accounts with Line of Credit/Overdraft |
✔ |
Credit Cards |
✔ |
What does it mean “fees and charges may apply”?
The fees you may be charged depend on the specific account you have and terms and conditions applicable to your account. To see what fees apply to your account, please see the Personal Service Charges Statement of Disclosure.
Alerts allow you to stay on top of your account activity and make timely decisions to avoid account fees, including late payment charges or non-sufficient funds (NSF) fees.
About alerts
What is an alert?
An alert is a text message notification sent to your mobile phone letting you know when there’s been a change to your account, e.g., your bank account balance has gone above or below a pre-set amount, money has been deposited into or debited from an account, or a term deposit or GIC is about to mature.
Alerts allow you to keep track of your finances and avoid fees or interruptions to the use of your accounts.
What does an alert look like?
HSBC Canada alerts look like this:
You’ll get text message alerts on your mobile phone.
When are alerts sent?
Alert text messages are sent to your mobile phone number anytime of the day based on real-time transactions.
What number do you send alerts and other text messages from?
We send account alerts from 84722.
Alerts related to digital banking such as statement notifications, password and PIN resets, are sent from 24722.
Does it cost money to receive account alerts?
HSBC Account alerts is a free service to our customers. However, local mobile carrier charges for data usage or text messages may apply. Please contact your carrier for further details.
Are alerts safe?
Yes, account numbers are partially hidden to prevent other people from having your information.
Remember, we’ll never ask you to provide personal information over text or email.
Managing account alerts
How can I manage my alerts?
Use the HSBC Canada App to set different alert types or turn alerts on and off for your bank and credit card accounts.
You can also text back ‘STOP’ to our account alerts number - 84722, but this will turn off all of your bank account and credit card alerts.
How do I change the mobile number I use for alerts?
If you've changed your mobile phone number or the number we have on file wrong, you can update it in the app or online banking.
To update your mobile number in the mobile app:
- Log on
- Select the profile icon (top right)
- Select your name
- Select “Contact details” and update your mobile number
To update your mobile number in online banking:
- Select “My profile” > “Update personal details”.
Your HSBC Security Device will be required to make this change.
Troubleshooting alerts
My phone does not alert me when there is an incoming message.
Some phone models allow you to change the way in which you are alerted to incoming messages. Ensure that your notifications are turned on. If you have any further questions, contact your service provider.
If I deleted an account alert message in error, could you send it to me again?
No, unfortunately we’re only able to send the account alerts message once. If an alert message is deleted, it can’t be viewed again.
What should I do if my mobile phone is lost or stolen?
You must report the loss to your service provider and ask them to disable your phone. You should also log on to online banking and unsubscribe from alerts. Alternatively, you can call us at 1-877-621-8811 to unsubscribe.