Open an EGA account to receive a complimentary debit card

New to Everyday Global Account? Meet your transactional needs in up to 11 different currencies. Receive a HSBC Everyday Global Debit Card upon successful application. Find out more.

Everyday Global Debit Card

Introducing the new HSBC Everyday Global Debit Card, a multi-currency debit card that lets you stretch your dollar wherever you are:
  • $0 fee1 in 10 currencies for your retail purchase, online shopping and cash withdrawal
  • $0 fee2 on overseas cash withdrawal across all ATMs worldwide
  • Take control of your spend by converting foreign currencies at your preferred rate

Have an existing HSBC debit Card?

Now you can link6 your Current and/or Savings Account to your Everyday Global Debit Card by completing the Account Linkage section in the Account linkage request form.

Exclusive Activation Offers

Earn up to

6.88% p.a. bonus interest

on your SGD savings with Everyday Global Account.

  • Earn up to 6.88% p.a. bonus interest on your SGD savings when you save, convert and spend with Everyday Global Account. Click here for more details.
  • Activate your Debit Card and enjoy up to SGD15 rebate with your first transaction of each currency. Terms and conditions apply.
  • 5% rebate with min. SGD500 overseas spend. Terms and conditions apply.
  • Enjoy SGD10 rebate on grocery spends and food delivery with your Debit Card. Terms and conditions apply.
Group of people are skiing.

Remit, Spend & Win

Get SGD80 rebate when you spend SGD800 overseas or online in foreign currency with your Everyday Global Debit Card.

Also, be one of our 12 lucky winners to win a pair of Singapore Airlines tickets to exciting destinations.

Simply spend or remit online more to qualify for more entries to the lucky draw.                    

Here’s how it works:

Transaction Reward
Every SGD50 spend
5 chances in lucky draw entries
Every SGD5,000 remitted online in foreign currency
5 chances in lucky draw entries
1st Debit Card spend for New to Bank Customers
5 chances in lucky draw entries

Simply spend or remit online more to qualify for more entries to the lucky draw.                    

Here’s how it works:

Transaction Every SGD50 spend
Reward 5 chances in lucky draw entries
Transaction Every SGD5,000 remitted online in foreign currency
Reward 5 chances in lucky draw entries
Transaction 1st Debit Card spend for New to Bank Customers
Reward 5 chances in lucky draw entries

How does your Everyday Global Debit Card work?

Want to reduce the hassle of exchanging money in Singapore, wondering if the rates are the “best”, or wondering if you are changing enough to last your trip? With the Everyday Global Debit Card, we have made things fuss free for you. If you are buying an item for USD100, we will deduct USD100 from your HSBC Everyday Global Account. It’s that simple, with no hidden charge! And if you do not have sufficient foreign currencies in your account, we will convert and charge your transaction amount in Singapore dollar.

All these with just 3 simple steps. Easy peasy!

Step 1: Open Everyday Global Account (EGA)

Save your local & foreign currencies in your HSBC Everyday Global Account which supports 11 currencies under 1 account.

Step 2: Convert via online or mobile

Make a real-time foreign exchange transfer or do an Order Watch at your preferred rate via HSBC QuickFX app, HSBC SG app or HSBC Online Banking.

Step 3: Transact using Everyday Global Debit Card

Transact on your HSBC Everyday Global Debit Card and enjoy $0 fee for your retail purchase, online shopping and cash withdrawal.

Why choose an HSBC Everyday Global Debit Card?

The benefits of EGA debit card often outweighs other miles cards when you spend in foreign currencies.

Taking below illustration, transacting with EGA debit card gives you more benefits than other credit cards that awards miles. Assuming you spend £18,000 in a year:
Types of Card Everyday Global Debit Card
Other cards
Spend amount
£18,000
£18,000
Foreign exchange rate 1.74993 1.81884
SGD equivalent SGD31,499.08
SGD32,739.12
Benefits Savings of SGD1,240.04
65,520 miles earned (SGD1 = 2 miles)
What can this get you? 2 Economy class air tickets to Tokyo with SQ5
1 economy class air ticket to Hong Kong with SQ
Taking below illustration, transacting with EGA debit card gives you more benefits than other credit cards that awards miles. Assuming you spend £18,000 in a year:
Types of Card Spend amount
Everyday Global Debit Card
£18,000
Other cards
£18,000
Types of Card Foreign exchange rate
Everyday Global Debit Card
1.74993
Other cards
1.81884
Types of Card SGD equivalent
Everyday Global Debit Card
SGD31,499.08
Other cards
SGD32,739.12
Types of Card Benefits
Everyday Global Debit Card
Savings of SGD1,240.04
Other cards
65,520 miles earned (SGD1 = 2 miles)
Types of Card What can this get you?
Everyday Global Debit Card
2 Economy class air tickets to Tokyo with SQ5
Other cards
1 economy class air ticket to Hong Kong with SQ

Other debit card features for your global use:

  • Supports Apple Pay.
  • Withdraw cash from over 600 retail outlets. Learn more.
  • Transact at over millions of merchants globally with Visa.
  • No overseas cash withdrawal fee at all HSBC ATMs. Learn more.
  • Use your Everyday Global Debit Card as your transport card with SimplyGo or NETS Flash Pay.
  • Transact easily at local merchants and make bill payments with NETS.
  • Enjoy daily card limit of up to SGD10,000 for big ticket purchase.
  • Travel light, link your Current and/or Savings Account to your Everyday Global Debit Card.
Take control of your spending with the new HSBC Everyday Global Debit Card Whether you’re shopping online or overseas, or simply make making a cash withdrawal, our all-in-one multi-currency debit card lets you transact in 10 currencies with $0 fee. What’s more, enjoy $0 withdrawal fee across all ATMs worldwide. Find out more @ hsbc.com.sg/everydayglobal

How to convert foreign currencies on EGA?

Make use of your Everyday Global Account now by converting currencies at real-time or at your preferred rate. HSBC offers various options for you to do a currency conversion.

FX Order Watch

Set your own target FX rate to convert funds automatically. Plus, get alerts when your designated FX rate is reached.

FX GetRate

GetRate offers you real-time foreign exchange rates before you make a transfer.

You may make do so at your convenience through HSBC Online Banking, HSBC QuickFX app or HSBC SG app.

The HSBC Singapore QuickFX app and HSBC SG app are available on Google play and Apple app store in selected countries.

Fees and charges

  • SGD2 if the average daily balance falls below minimum balance of SGD2,000 or its equivalent
  • For HSBC Offshore Banking (applicable to non-residents), in addition to the respective service charges applicable to each of the accounts, a minimum balance fee of SGD50 per month applies if Total Relationship Balance falls below SGD200,000 (Total Relationship Balance includes deposits, investments and/or insurance)
  • SGD5 per transaction at branches (waived for internet banking)
  • No annual card fee applies

Apply online for Everyday Global Debit Card

Existing EGA holder

Have an existing Everyday Global account (previously known as Multi-Currency Savings Account) but no debit card? Simply submit your details through the link below and your debit card will be issued to you.

New to EGA

For existing HSBC customers without Everyday Global Account, you can apply for the Everyday Global Account and Debit Card with your internet banking access. Simply login with your security token through the link below and access the account opening page directly.

New to HSBC

You will need an HSBC account to apply for a Everyday Global account. If you do not have any HSBC account, please visit any HSBC branches islandwide to open your HSBC Everyday Global Account and Debit Card.

Things to note

Do remember to activate your new Debit Card prior to your first use, by calling 1800-HSBC-NOW (4722 669) and selecting 1 for Card Activation.

  • In some situation, the merchant may process your transaction and bill you in another currency other than the original transaction currency.
    Please review the currency and billing amount in the merchant's check out section or invoice prior to accepting the transaction. 
  • If you do not have sufficient foreign currencies to complete the transactions, we will convert at prevailing rate as determined by the bank and bill you in Singapore dollar. Assuming you have charged GBP18,000 to your debit card on 23 Nov 2018 without sufficient balance in your GBP Everyday Global Account, you will be billed indicatively SGD32,455.80 in your SGD Everyday Global Account. This is based on prevailing HSBC Board Exchange Rate of SGD-GBP 1.8031 on 23 Nov 2018.
  • There may be a gain or loss when you convert foreign currency. Eligible Customers are advised to make independent judgment with respect to any matter contained herein. The Bank shall not be liable for any delay in effecting such conversion, instruction or transactions.
  • Renminbi (RMB) is not available for debit card payment and cash withdrawal. Withdrawals from any RMB Account shall be by way of foreign exchange conversion into non-RMB denominated currency(ies) only.

Frequently asked questions

Useful Links

Forms

Terms and Conditions

More Information

Disclaimer

1Applies to successful retail purchase, online shopping and cash withdrawal made via the 10 supported currencies. If you do not have sufficient foreign currencies to complete the transactions, we will convert the transaction at a prevailing rate as determined by the bank and bill you in Singapore dollar.

2HSBC Jade and Premier Everyday Global Debit Card Cardholders enjoy $0 HSBC ATM fees for overseas cash withdrawals across all ATMs worldwide from now until 31 Dec 2019.

HSBC Advance Everyday Global Debit Card Cardholders enjoy $0 HSBC ATM fees for overseas cash withdrawal at all HSBC ATMs except in Argentina, France, Brazil, Greece, Malta, Mexico, New Zealand and Turkey.

HSBC Fees apply for cash withdrawals at non HSBC ATMs. Please note that for all customers, fees may be applied by the 3rd party banks for cash withdrawals at non-HSBC ATMs worldwide.

3This is the indicative foreign exchange rate HSBC uses to convert SGD into GBP via HSBC QuickFX App, as of 4 June 2019.

4Average exchange rate from relevant card scheme associations, with 2.5% administration fee applied.

5Based on prices retrieved from Singapore Airlines website, June 2019.

6For selected customers who have received SMS communication from the bank on account linkage to your Everyday Global Debit Card, up to 2 accounts can be linked in secondary position. The priority of account linkage is as follows: Premier Account, Advance Account, Statement Savings Account, Flexi Account, Current Account and/or eFlexi Account.

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to SGD75,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.