How do I use my new HSBC Everyday Global Debit Card?

Activate your card prior to your first use and before you travel each time by calling us to enjoy the features and benefits of your new HSBC Everyday Global Debit Card.

HSBC Personal Banking: 1800 4722 669 or (65) 6227 2669 (from overseas)

HSBC Premier: 1800 2278 889 or (65) 6227 8889 (from overseas)

How do I get to enjoy no FX fee on my overseas purchases?

Simply fund your HSBC Everyday Global Account with the foreign currencies that you intend to spend and transact with your HSBC Everyday Global Debit Card. We will deduct the same transacted amount from your account without any FX fee.

Please note that you may be given the option to select debiting the overseas purchase in your home currency (i.e. Singapore dollar) or in foreign currency.

If home currency is selected, you will incur a Dynamic Currency Conversion (DCC) fee charged by the overseas bank with the overseas purchase, converted to the home currency and debited from your Singapore dollar currency account.

Would I also enjoy no FX fee for online purchases and cash withdrawal?

Yes, do ensure you are transacting in the supported foreign currencies by checking with the merchant before purchase and maintain sufficient balance in the respective foreign currency to enjoy no FX fee for your purchases and cash withdrawal. Please note that Renminbi (RMB) is not supported for card spends and cash withdrawal.

Please note that you may be given the option to select debiting the online purchase or cash withdrawal in your home currency (i.e. Singapore dollar) or in foreign currency.

If home currency is selected, you will incur a Dynamic Currency Conversion (DCC) fee charged by the overseas bank with the online purchase or cash withdrawal, converted to the home currency and debited from your Singapore dollar currency account.

Can I use my HSBC Everyday Global Debit Card if I am transacting out of the supported currencies?

Yes. We will convert your overseas transaction amount using a prevailing rate that the bank determines and bill you in Singapore dollar.

Can I use my HSBC Everyday Global Debit Card if I have insufficient foreign currency balance?

Yes. We will convert your overseas transaction amount using a prevailing rate that the bank determines and bill you in Singapore dollar currency. However if you do not have sufficient Singapore dollar balance, we will decline the transaction.

How do I fund my HSBC Everyday Global Account?

Convert your currencies immediately at real-time rates, or at your target rate through limit orders via HSBC QuickFX App or Personal Internet Banking and save into your HSBC Everyday Global Account. This service is available 24/7, you can convert your currencies on the go.

What are the supported foreign currencies?

These includes Australian Dollar, Canadian Dollar, Euro, Hong Kong Dollar, Japanese Yen, New Zealand Dollar, Sterling Pound, Swiss Franc and US Dollar. Please note that Renminbi (RMB) is not supported for card spends and cash withdrawal.

How do I transact on Renminbi (RMB) in my HSBC Everyday Global Account?

All withdrawals from any RMB Deposit Account, can only be done via foreign exchange conversion into non-RMB denominated currency(ies), except for transfer between a RMB Time Deposit Account and a RMB Everyday Global Account. RMB is not supported for card spend and cash withdrawal.

Can I use my HSBC Everyday Global Debit Card in China?

Yes. We will convert your transaction amount using a prevailing rate that the bank determines and bill you in Singapore dollar.

What should I do if I do not have foreign currency account in my HSBC Everyday Global Account?

You can open your desired foreign currency account using HSBC Personal Internet Banking, which will take 1 working day to set up. Once you see the foreign currency account being reflected on your Personal Internet Banking screen, you can proceed to fund your account immediately.

What option should I select on the overseas ATM screen for foreign currency cash withdrawals?

Generally, overseas ATM withdrawals will be deducted from your HSBC Everyday Global Account. However, if prompted, please select “Savings Account” to withdraw foreign currency cash overseas from your HSBC Everyday Global account. You will be able to withdraw cash directly from your foreign currency wallet on the condition that you have sufficient funds in your foreign currency wallet. Otherwise, the foreign currency cash withdrawal will be deducted from your SGD balance.

Do I have to pay for any annual card fee?

No, the HSBC Everyday Global Debit Card is extended to you for free.

Can I use my HSBC Everyday Global Debit Card locally?

Yes. You can make purchases using Visa or NETS, and make cash withdrawals. It comes with NETS FlashPay feature which acts as a transport card to pay for your public transport expenses.