We understand that important decisions need more time. With HSBC's 30-day Service Pledge, should you change your mind after purchasing any of our eligible products, come back to us within 30 days and we will waive or refund the related fees or charges*.
This commitment to service is reflected by our HSBC Premier Relationship Managers who are focused on understanding your financial needs to build a long term relationship. In fact, their success is determined by your satisfaction. So you can enjoy greater peace of mind when you bank with us.
Our 30-day service pledge covers the following product categories:
Refund / Waiver
Unit Trusts - Lump-sum Open-end Authorised Funds
Redeem† the funds within 30 days from the subscription date
Initial sales charge‡
Unit Trusts - Monthly Investment Plans (MIP)
Terminate the Unit Trust Monthly Investment Plan and redeem† the related funds, within 30 days from the transaction date of the first MIP
Initial sales charge for the first subscription‡
All individual life insurance policies underwritten and issued by HSBC Insurance
The above includes investment-linked insurance policies¶ (ILPs) and Jade Global Universal Life
Cancel the policy within 30 days from the policy issue date as shown on the policy schedule
Premium paid without interest after deducting medical and underwriting expenses incurred and a sum to account for market fluctuation in respect of the units as determined by HSBC Insurance (if applicable)
Personal Instalment Loans / Personal Term Credit
Cancel the loan within 30 days from the date of original loan drawdown, provided no part of the loan proceeds was utilised
Early redemption fee of S$150
Processing fee of S$88 (if applicable) charged to the loan upon original date of the loan drawdown
The refund or waiver of premiums, service charges and related fees will be made by the bank within 30 days from receipt of the request by the customer to terminate or withdraw from the eligible products.
† Redemption of Unit Trusts will be subject to the prevailing Net Asset Value (NAV) at the time of redemption, and potential redemption charges, where applicable.
‡ Refund of 'initial sales charge' for Unit Trusts will be nett of Goods and Services Tax and out-of-pocket expenses, where applicable.
¶ Market value adjustment will be made for the refund of premiums for investment-linked insurance policies.
Click here to find out more about HSBC's 30-day frequently asked question.