Move Money

How do I pay my HSBC Mastercard®?

You can pay your HSBC Credit Card from any Canadian currency Chequing or Savings account:

  • Click on the HSBC logo to return to the "My accounts" screen
  • Click the "Pay or transfer" button from your Transaction summary screen on the right.
  • Select the account you wish to make a payment from in the "From Account" field.
  • For the "To" section, Select "My payees" and enter the card name (e.g. HSBC Mastercard) or search your existing payees using the search icon.
  • Follow the instructions on the screen to complete your payment.
     

If you choose to make your payment immediately from your HSBC Chequing or Saving account, the payment won't display on your Credit Card recent transactions instantly. However, the card payment will be credited the same day for interest purposes. If you pay from HSBC chequing or saving account.

What is an INTERAC e-Transfer®?

INTERAC e-Transfer is a simple, fast, secure and convenient way to send money to anyone who has a Canadian currency account at a Canadian financial institution. You can send money via the recipient’s email address or mobile phone number in Canada, without sharing any financial information.

Note: This service is only available in Canadian dollars and for accounts at Canadian financial institutions.

Is there any service charge for using INTERAC e-Transfer?

No. It is free to send an INTERAC e-Transfer. Regular transaction fees may apply depending your account package, even if the transfer is received, cancelled, declined, expired or the recipient fails to answer the security question correctly. Refer to the Personal Service Charges / Statement of Disclosure for information on fees related to your account.

Can I send funds by INTERAC e-Transfer into a non-Canadian bank account?

No. While you can send or receive an INTERAC e-Transfer from anywhere in the world, funds sent by INTERAC e-Transfer must be in Canadian dollars and must be deposited into an account at a Canadian Financial Institution.

Are there limits on the amount I can send and receive?

Yes. Please refer to the below table.
Outgoing: Incoming:
Daily $5,000 CAD
Daily $10,000 CAD
Weekly $10,000 CAD
Weekly $70,000 CAD
Monthly $40,000 CAD
Monthly $100,000 CAD
Yes. Please refer to the below table.
Outgoing: Daily $5,000 CAD
Incoming: Daily $10,000 CAD
Outgoing: Weekly $10,000 CAD
Incoming: Weekly $70,000 CAD
Outgoing: Monthly $40,000 CAD
Incoming: Monthly $100,000 CAD

How do I send an INTERAC e-Transfer?

If this is the first time you're making a payment to this recipient, you will need to add the payee to your online banking profile:

  • Click on the HSBC logo to return to the "My accounts" screen
  • Click the "INTERAC e-Transfer" button from your Transaction summary screen on the right
  • Click on "Contacts" tab from the left hand navigation
  • Add your payee information
     

Once the INTERAC e-Transfer contact has been added, you can proceed to make a transfer to them by:

  • Click on "Send Money"
  • Select the account you want to transfer money from
  • Select your Contact from the drop down list
  • Enter the amount you want to transfer, and continue.

How do I make a wire payment?

On the "My accounts" screen, select the account that you wish to make a payment from, and then "Pay or transfer".

 

If you have made a payment to this recipient before, select the appropriate account from "My payees". If this is the first time you've made a payment to this recipient, you will need to select to create a new payee. Please ensure that you have their name, address, BIC (Bank Identifier Code) and IBAN (International Bank Account Number) ready.

 

Once the payee has been set up, enter the payment amount and then follow the on-screen instructions to select when you would like the payment to occur. A payment can be set up to go now, later or as a recurring payment/standing order.

What information do I need to provide to someone who will be wiring USD funds to my HSBC Bank Canada account?

To avoid disruption to your incoming wires, provide the following information to anyone who may send you USD wire transfers:

 

Correspondent Bank: Citibank

SWIFT (Society for Worldwide Interbank Financial Telecommunication) Code CITIUS33

 

Destination Bank: HSBC Bank Canada

SWIFT Code HKBCCATT

How do I cancel a payment?

You can cancel a future payment at any time before it is processed.

To cancel a future payment:

  • Click on the HSBC logo to return to the "My accounts" screen
  • Click the "Pay or transfer" button from your Transaction summary screen on the right.
  • Select "Future payments or transfers" within "Move money" and follow the on-screen instructions.
     

If a payment has already taken place, then it cannot be cancelled. It will show on your recent transactions list.

How do I edit a payment?

You can edit payment at any time before it is processed.

To amend future or recurring payments:

  • Click on the HSBC logo to return to the "My accounts" screen
  • Click the "Pay or transfer" button from your Transaction summary screen on the right
  • Select "Future payments or transfers".
  • Find the payment that you wish to amend from the list of payments, then select "Edit" and follow the on-screen instructions.

If a payment has already taken place, then it cannot be edited. It will show on your recent transactions list.

How do I set up a future payment?

To make a future payment, first select the account that you wish to send the money from, and then select the appropriate "To account" from the options provided.

Once the "To account" has been selected enter the payment amount. Then for future payments, please select "Later". You will be asked to confirm when you want the payment to occur.

Then select Continue to verify the payment details.

How do I set up a recurring payment?

To make a recurring payment, first select the account that you wish to send the money from, and then select the appropriate "To account" from the options provided.

Once the "To account" has been selected enter the payment amount. Then for recurring payments, please select "Recurring". You will be asked to confirm when you want the payment to take place as well as the number of payments.

Then select Continue to verify the payment details.

Can I make a transfer to all my HSBC accounts?

Transfers cannot be made to or from certain HSBC accounts.

All accounts that can be transferred from will appear in the "From account" list during a Pay or Transfer transaction.

If you select to transfer to "My accounts", all accounts that can be transferred to will appear in the "To account" list.

The Quick Transfer feature is also available to make transfers from/to your applicable HSBC domestic accounts in the same currency.

How far back can I view my transactions?

To view your transactions, select the account you wish to view from "My accounts".

You will be presented initially with a view of your most recent 5 transactions. To view older transactions (up to 180 days), select "View more" or use the "Search" tool.

To view or download older statements, select the "Manage" button and then "View/Download statements".

Send a wire transfer

I need to send money to someone. Should I send an INTERAC e-Transfer or a wire transfer?

If you’re sending 5,000 CAD or less to someone with a Canadian bank account, you can send a free INTERAC e-Transfer.

If you're sending more than 5000 CAD to someone in Canada, or an amount to a non-Canadian bank, you can send a wire transfer through Online Banking. See step-by-step guides on Sending a wire transfer to an existing payee and Adding a new wire transfer payee.

Refer to the Personal Service Charges / Statement of Disclosure for information on wire transfer fees.

How can I send a wire transfer?

You can send a wire transfer conveniently through Online Banking, or at an HSBC Branch. Wire transfers fees are lower if you send the funds through Online Banking. See wire transfer fees in the Personal Service Charges / Statement of Disclosure.

To send a wire transfer to a new payee, you'll first add this payee to your My payees list. See the guide on Adding a new wire transfer payee.

Our Customer Service agents and branch staff are also available to help, especially for more complex transactions. Call Customer Service at 1-877-621-8811 or visit your local branch.

Sending a wire transfer using the HSBC Mobile Banking app is not possible at this time.

How do I send funds to an existing wire transfer payee?

From the top menu, select Banking > Pay or transfer > My payees. Select the relevant payee and complete the wire transfer. For more detail, see the guide on Sending a wire transfer.

 

You'll need your security device for this transaction.

If I'm sending a wire transfer to a company in Online Banking, do I select Person or Company?

Select PersonCompany is for bill payees only.

What is the currency limit for sending a wire transfer?

The Online Banking wire transfer daily limit is $50,000 (CAD equivalent).

You also can send wire transfers between $50,000 and $150,000 (CAD equivalent), but you'll need to be qualified by our Customer Service team. First, log on to your account, add your new wire transfer payee (see the guide on Adding a new wire transfer payee) and then call Customer Service at 1-877-621-8811.

What do I need to know about sending a wire transfer to China?

Wire transfers to persons in China can only be sent in non-Chinese currencies, e.g. USD, CAD, etc.

Wire transfers in Chinese Yuan (CNY) can only be sent to commercial entities for commercial purposes.

All wire transfers to and from China require a Reason for transaction code (sometimes called a Purpose of Payment code). In the wire transfer page in Online Banking, select CNY as currency. A Reason for transaction menu will appear. Select the relevant code:

  • /BUSINESS/GOODS TRADE – for cross-border goods trade
  • /BUSINESS/SERVICE TRADE – for cross-border service trade
  • /BUSINESS/CAPITAL TRF – for cross-border capital transfer
  • /BUSINESS/CAPITAL ACC TXN – for a current account transaction
  • /BUSINESS/CHARITY DONATION – for a charitable donation

How long does it take for my payee to receive my wire transfer?

It can take approximately 2-5 business days for the wire transfer payee to receive the funds. However, there may be delays if additional information is required to process the transaction.

What can delay my wire transfer?

In some cases, HSBC Bank Canada, the intermediary bank and/or the receiving bank may require additional information including the reason for the wire transfer. A wire transfer may be delayed beyond HSBC’s control.

What can cause my wire transfer to be rejected?

Wire transfers can be rejected by the recipient bank due to incomplete information. Common reasons include:

  • incorrect address for the payee
  • for wire transfers to Canadian banks, not providing a transit number
  • for wire transfers to Europe, not providing an IBAN (this is the payee’s bank account number)
  • for wire transfers to non-Canadian banks, not providing a SWIFT code
  • for wire transfers in Chinese Yuan (CNY), not providing a Reason for transaction
  • for wire transfers to Mexico, not providing the 18-digit CLABE (Clave Bancaria Estandarizada) in the Account number field

How much does it cost to send a wire transfer?

Service charges for wire transfers depend on your account type and the amount of the wire transfer. See wire transfer fees in the Personal Service Charges / Statement of Disclosure brochure.

What exchange rate will I get for my wire transfer through Online Banking?

For wire transfers under $50,000 (CAD equivalent), you'll get the rate shown on-screen during the transaction.

For wire transfers between $50,000 and $150,000 (CAD equivalent), your wire transfer transaction details will be received through Online Banking, but the payment will be processed manually. The exchange rate you see online is indicative only; the exchange rate you get may be different at the time your transaction is processed.

Who can help me with a wire transfer?

For help, call Customer Service at 1-877-621-8811 or visit your local branch.

Receive a wire transfer

Can I receive a wire transfer in USD or other currencies?

As an HSBC Bank Canada customer, you can receive wire transfers in USD and a number of other foreign currencies. See the full list of currencies and routing information.

Where can I find information on the intermediate / correspondent banks used by HSBC Bank Canada?

This is information on intermediary/correspondent banks.

Which types of HSBC accounts can I receive money into?

You can receive wire transfer funds directly into your chequing or savings accounts in Canadian dollars, US dollars, Euros, British pounds, Hong Kong dollars or Chinese yuan.

To minimize the impact of exchange rates, you can open a foreign currency savings account to receive your wire transfer: find out more about Foreign Currency Savings Accounts. To open a foreign currency savings account right away, log on Online Banking, scroll to the bottom of the page and select Open a savings account now.

How can I find out the status of my incoming wire transfer?

You can ask the sender to inquire with their bank on the status of the transfer.

Are there service charges/fees applied to my incoming wire transfer?

HSBC charges specific fees for wire transfers – see the Personal Service Charges / Statement of Disclosure. Other banks which may be involved in processing the transfer may charge additional fees.

My account

I don't recognize a transaction on my account?

If you have a joint account or an authorised user on your account, please check with the joint party or the authorised user that the transaction hasn't been made by them.

If you still don't recognize the transaction, you can click on the "need help" link on a given transaction, where you can report a transaction problem.

You can also Contact HSBC. Whatever your question or concern, we're here to help. Our HSBC Canada customer service representatives are available to speak with you in English, French, Mandarin, or Cantonese.

How do I check my balance?

To check it, select the account that you wish to view from "My accounts". Your balance and available balance will appear above a list of your most recent transactions.

How can I change my statement delivery preferences?

To change your statement delivery preferences, hover over "Banking" from the white navigation bar at the top of the page. From there, select "Communication preferences" under "My profile" and follow the on-screen instructions to change your preferences.

Take care to ensure that you change the preferences on the appropriate account.

How can I request a paper copy of a statement?

To request a paper copy of a statement, please go to the "View/Download Statements" page and select "Request for previous statements". You can also send us a secure message via Online banking, or give us a call.

Remember - you can always download a PDF of a historical statement online. Just select the account, then click the "Manage" button, and "View/Download Statements".

We'll keep a history of your e-statements online for up to 12 months for your Mastercard.

A minimum of 18 months will be available for your bank statements. As of January 2017 a minimum of 24 months of your bank statements will be available online.

How can I download a statement?

To download a statement, first select the account that the statement is linked to. From there, select the "Manage" button and then "View/Download Statements". You will then be presented with a list of your available statements.

Select the correct statement date, then scroll to the button of the page and "Download".

How can I opt for paperless correspondence?

You can choose to receive paperless correspondence by changing your communication preferences:

  • Click on your name from the grey navigation bar at the top of the Online banking page
  • From the dropdown menu options, select "Communication preferences".
  • Make your preferred communication preference selection from the options provided on screen.
  • Read and accept the term the conditions by selecting the check box "I accept"
  • Click save.

Navigation

How do I get back to My accounts?

Click on the HSBC logo, located in the top left of the Online banking screen, to return to the "My accounts" page.

 

Or, hover over Banking at the top of the page and select "My accounts".

How do I send a secure message?

To send a secure message, select the envelope icon at the top of your Online banking screen. You will be presented with any unread or old messages.

Select the "Send us a message" button to create a new message.

How do I inform HSBC that my card is lost or stolen?

The quickest way to inform HSBC that your card is lost or stolen is to Contact HSBC. Our HSBC Canada customer service representatives are available to speak with you in English, French, Mandarin, or Cantonese.

How do I inform HSBC that my Security Device is lost or stolen?

The quickest way to inform HSBC that your Security Device is lost or stolen is to Contact HSBC.

I've lost or forgotten my HSBC Mastercard PIN. How do I get a new PIN?

To request for a new Mastercard PIN, select the "Manage" button and then "Request a new Mastercard PIN" from your account.

 

Follow the on-screen instructions to complete the request. A new PIN will be mailed to you.

HSBC InvestDirect

How do I access HSBC InvestDirect's new website?

We have made it easy for you to access our new site, which includes enhanced trading capabilities, investing tools, and a refreshed look and feel. Take a tour of our demo.

You will now be able to use the same sign on credentials that you use for Online Banking for a more integrated client experience.

There will be two ways to access the new site:

1) Online Banking Journey

a) Sign in through the HSBC Online Banking Site

b) Access the Banking tab and click on HSBC InvestDirect under "My Investment Accounts"

c) You will now have access to your HSBC InvestDirect trading account!

2) You may also access the new site directly through www.investdirecttrading.hsbc.ca using your Online Banking credentials

Until you are activated to use our new and improved service, continue using the trading platform as you always have.

If you have yet to migrate to the new Online Banking service, you can do so using the following steps listed below when signing into Online Banking. Once completed you may access the new InvestDirect trading site using the steps above in the Online Banking Journey.

a) Log on as always

b) Enter your password

c) Create your username

Are you an HSBC InvestDirect only client?

If you don`t have HSBC Online Banking, you will be required to call one of the below numbers to obtain your EBN and registration code to set up your new password.

You may reach us at 1-800-760-1180 or local 1-416-868-3898 (Option 4). If you are calling from outside of Canada, please use our Universal Toll Free Line 800-230-3809-8. Our office is open 24 hours a day from Sunday 6PM (ET) to Friday 8PM (ET).

 

 

Global View not available in all countries.

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

® Mastercard is a registered trademark of Mastercard International Incorporated. Used pursuant to license.

HSBC InvestDirect is a division of HSBC Securities (Canada) Inc., a wholly owned subsidiary of, but separate entity from, HSBC Bank Canada. HSBC Securities (Canada) Inc. is a Member of the Canadian Investor Protection Fund and the Investment Industry Regulatory Organization of Canada (IIROC). HSBC InvestDirect does not provide investment advice or recommendations regarding any investment decisions or securities transactions.

Investment products do not guarantee profits and contain varying levels of risk and complexity. Investors should understand the nature and risks of each product and carefully consider each investment in the context of their individual risk tolerance and return objectives before investing.