HSBC Singapore App FAQs

• Getting started
• Using the app
• Guides for using the app
• Protecting you from malware scams
• eStatements
• Activating credit cards
• Balance transfer
• Changing your phone
• Biometric log-on
• Pay Now
• Scan and Pay
• Money transfers and add payees
• Recurring and future-dated local transfers
• Cut-off Time
  
• Foreign Exchange
• Pay Bill
  
• HSBC Spend Instalment
  
• Mobile Chat
  
• In-app Authentication for online purchases
• Credit card block/unblock
• Credit limit increase
• Push Notification alert for account activities
• Waiting period

Please visit our YouTube channel for step-by-step video guides on using different app features. Alternatively, here's our interactive PDF guide with step-by-step instructions. 

Due to a recent increase in the number of malware scams, we have enhanced our security measures on Android devices to detect potentially high-risk apps. If you're using an Android device, you won't be able to use the HSBC Singapore app if accessibility permissions are detected. You'll receive an alert message before the app exits its launch. However, you'll be able to restore access to the app and continue using it as usual once you turn off the listed app’s accessibility permissions and/or if you uninstall the listed app.

Yes. The new safety measure to Android devices further strengthens your protection from malware that can take over your device, leading to potential fraud.

Accessibility services enhance the user interface to assist users with disabilities or who might have difficulty fully interacting with a device.

Whilst accessibility services such as screen readers or text to speech play a crucial role in promoting inclusion, these services require granting extensive permissions to apps, enabling them to read the text on screen or record characters typed using the keyboard on the device.

In the wrong hands, this could be exploited to record confidential data such as your mobile banking log on credentials, which will lead to the potential leak of your critical financial information.

Please perform ALL of the following:

a. Turn off the accessibility permissions on your device for all apps prior to the launch of the HSBC Singapore app. For example, on Samsung mobile devices with the latest One UI user interface, you can navigate to Settings > Accessibility > Installed apps*.

b. Reset your keyboard to default. For example, on Samsung mobile devices you can navigate to Settings > General management > Samsung keyboard settings.

c. In some devices, you may also need to turn off screen reading from device settings prior to the launch of the HSBC Singapore app. For example, on Samsung mobile devices you can navigate to Settings > Accessibility > Talkback > toggle off.

You don't need to delete or re-install the app.

*The steps to turn off an app’s accessibility may differ by phone model. Please refer to the possible steps of popular phone models below or check with your device manufacturer.

Our security scanning doesn't involve monitoring any activity or conduct surveillance on your device.

Your security and privacy are our top priority.

These security measures were implemented to safeguard our customers from malware and add an extra layer of protection against potential vulnerabilities. As mentioned in question 3, accessibility services can be exploited by scammers to steal your banking log on credentials.

We understand that this may cause frustration and we seek your understanding that the security feature was implemented to protect you from malware and other security threats.

The process for changing accessibility settings can vary, depending on the device manufacturer and its operating system. Here are the possible steps of some popular phone models for reference only.

• Samsung: Settings > Accessibility > Installed Apps
• Google Pixel: Settings > Apps > Installed unknown apps or Settings > Accessibility
• Honor: Settings > Accessibility features > Accessibility > Downloaded services
• Oppo A78 5G / Reno8 5G: Settings > Additional Settings > Accessibility
• Oppo Find X2 Pro / A17: Settings > System Settings > Accessibility
• Huawei P50 Pro: Settings > Accessibility features > Accessibility > Installed Services
• Huawei Nova 3i / Nova 5T: Settings > Smart Assistance > Accessibility
• Huawei Mate30 & Huawei Y9a: Settings > Accessibility features > Accessibility (Scroll down to Downloaded Services)
• Redmi Note 10 5G: Settings > Additional Settings > Accessibility > Downloaded Apps
• Poco X5 5G: Settings > Additional Settings > Accessibility > Downloaded Apps
• Vivo: Settings > Shortcuts & Accessibility > Accessibility > Downloaded Apps
• Xiaomi: Settings > Additional settings > Accessibility > Downloaded Apps

Alternatively, you can use the search function within the settings. Type ‘accessibility’ and it should direct you to the relevant section.

For further assistance, please reach out to us at +65 6-HSBC NOW (6-4722 669) or visit one of our branches to consult with a specialist.

To restore access and continue to use our app as usual, you must turn off the accessibility permission for the listed apps (Go to device settings > Accessibility) or simply uninstall them.

For the detailed guideline on how to turn off the accessibility settings, please refer to question 7.

The official app stores include:

• Samsung Galaxy Store
• Amazon App Store
• Huawei App Gallery
• Xiaomi Mi Get Apps
• OPPO App Market
• OnePlus App Gallery
• HONOR App Gallery
• Google Play Store

To avoid malicious software attacks, please be cautious and refrain from opening any suspicious links or downloading apps from untrusted or unverified channels.

Never grant full control of your device to any third party or share your screen unless you’re absolutely certain of the source’s trustworthiness. These links or apps may contain malware that can be harmful.

We strongly suggest that you turn off the affecting accessibility permissions from your device settings, and/or uninstall all unnecessary apps. We encourage you to download apps from official app stores only.

To better protect you, we suggest that you turn off affecting accessibility permissions from your device settings and/or uninstall unnecessary apps. We encourage you to download apps from official app stores only.

Please close the HSBC Singapore app and relaunch it. You'll be able to restore access and continue using our app as usual if the listed apps' accessibility permissions have been turned off and/or if the listed apps have been uninstalled.

We detected apps on your device that are from sources other than the major phone manufacturers’ app stores.

Whilst we are introducing extra safety measure to further strengthen our efforts to protect Android device users from potential fraud incidents resulting from malware, we encourage you to download apps from official app stores only.

We would also suggest that you turn off the affected app accessibility permissions from your device settings, and/or uninstall the apps if not needed, to prevent malware from harming your phone.

iOS device users are not affected because the iOS ecosystem does not officially support untrusted apps. In contrast, Android's open ecosystem allows installation from unknown sources.

Your access to the HSBC Singapore App will not be suspended because of this measure if you’re an iPhone user or if you’re an Android user and have only downloaded apps from official app stores.

Access to the HSBC Singapore app might be suspended on your device if developer mode has been turned on. Please turn off developer mode and/or any affecting accessibility permissions from your device settings.

You'll be able to restore access and continue using our app as usual afterwards.

If you see the alert page, it doesn't mean your bank account is at risk. The new measure helps protect your account by making it harder for fraudsters to put malware on your Android device and compromise your account.

No, it does not.

You can select the relevant credit card from the Account Summary screen. Tap on 'View More', followed by 'Activate Cards' from the Credit Card details screen. You can activate your primary and supplementary cards using the HSBC Singapore app.

Balance transfers let you convert your available credit limit into cash. You can use the cash to help pay off your dues with other banks or use it as needed. The funds can be credited to your HSBC Current / Savings Account, non-HSBC Current / Savings Account, or to a non-HSBC credit card account.

Log on to the HSBC Singapore app now, to check out our latest promotional interest rates.

The minimum balance transfer amount is SGD1,000.

The maximum amount is 95% of your approved credit limit after we’ve subtracted any outstanding balance at the time we process your application.

Please note that the approved balance transfer amount may be less than the amount you applied for. We may determine the amount at our own discretion.

You can apply for a balance transfer if you're the primary cardholder of an HSBC Singapore credit card.

Please note that all US dollar cards and corporate cards are not eligible for balance transfers.

You can apply for a balance transfer via the HSBC Singapore app. Go to the credit card details screen, then select 'Balance transfer'. Balance transfers are subject to approval, terms and conditions apply.

Once you've been approved, we'll subtract the approved balance transfer amount from the available credit limit on your HSBC credit card. Your preferential interest rate will be valid from the date of your balance transfer. After that, our prevailing cash advance interest rate charges will apply.

Yes, we'll notify you if your application has been approved. We'll send it to you via SMS on your registered mobile number.

No, you won't earn any Reward points for the balance transfer amount or any fees incurred from it, such as the processing fee.

You can make repayments via:

• Standing instructions
• Interbank GIRO
• HSBC Singapore app, online banking or at a branch
• Transfers from non-HSBC accounts
• HSBC cash deposit machines or ATMs
• AXS, SAM or SingPost offices 

The minimum payment amount is SGD50, unless one of the following sums is greater:

• 100% of the monthly instalment amount for each cash instalment or spend instalment plan you have
• 100% of any interest, late fees, annual credit card fees and overlimit fees charged to your account
• 1% of your remaining outstanding balance (your total outstanding balance minus the amounts from the previous two points) 
• The excess amount above your credit limit if your account is overlimit

But if your total outstanding balance is less than SGD50, your minimum payment amount shall be your total outstanding balance.

The payment received will be allocated in this order:

1. Instalments for each of your cash instalment plans and spend instalment plans, if any
2. Interest charges
3. Late fees
4. Annual credit card fees
5. Overlimit fees
6. Service charges (eg cash advance fees)
7. Transactions charged to your account

After your minimum payment amount is cleared, we'll also apply payment to your balance categories. We'll start from the one with the highest interest rate to the one with lowest interest rate. If the interest rate is the same across all categories, we'll apply payment to the oldest amounts first.

• Transfer between your HSBC accounts locally / globally or to your HSBC credit cards
• Transfer to another bank's account or credit card within Singapore 
• Pay via PayNow
• Pay bills to your saved payees
• Transfer internationally faster and fee-free via Global Money Transfers to over 50 countries/territories

1. Go to 'Pay and transfer', tap on 'Add a new payee'
2. Tap 'Continue adding a new payee', then tap 'Continue' on 'Important information'
3. Enter a nickname for your payee, then tap 'Continue'
4. Select the 'Country or territory of payee's account' and select your 'Payee's account type', then tap 'Continue'
5. Select your 'Payee's bank', enter 'Account number' and 'Payee's name'
   Note: Depending on the payee account type selected, you'll need the payee's name, account number/credit card number and payee's bank details.
6. Confirm your payee's details and tap 'Confirm'

You can also add new accounts to your saved payees.

1. Go to 'Pay and transfer', tap 'See all payees'
2. Select the saved payee, then tap '+ Send to a new account'
3. Tap 'Continue' on 'Important information'
4. Follow the same steps (4-6) above

Alternatively, you can also add a new payee via:

1. Go to 'Pay and transfer', then tap 'Transfer in Singapore'
2. Select 'From account'
3. Tap 'Send to a new payee'

Note: Depending on the payee account type selected, you'll need the payee's name, account number/credit card number and payee's bank details.

Yes, you may do that under 'Transfer in Singapore'.

Please note only credit cards of the following banks are supported:

1. Bank Of China
2. DBS Bank/POSB
3. Industrial and Commercial bank of China Limited
4. OCBC Bank
5. Standard Chartered Bank(Singapore)Limited
6. United Overseas Bank

There are 2 options to add a new international payee for Global Money Transfers.

Option 1:

Tap 'Transfer internationally', enter the transfer details and then tap 'Add international payee'.

Option 2:

1. Go to 'Pay and transfer', tap on 'Add a new payee'
2. Tap 'Continue adding a new payee', then tap 'Continue' on 'Important information'
3. Enter a nickname for your payee, then tap 'Continue'
4. Select the 'Country or territory of payee's account' and select your 'Payee's account type', then tap 'Continue'
   Note: Depending on the payee account type selected, you'll need the payee's name, account number/credit card number and payee's bank details.
5. Enter your payee details as prompted on the screen, then tap 'Continue'
6. Confirm your payee's details and tap 'Confirm'

• Go to ‘Pay and transfer’ tab, select the payment type that you are making, select ‘From account’ and select a saved payee from the list and enter the details of your payment/transfer; 
• Alternatively, go to ‘Pay and transfer’ tab, under ‘Recent payees’ select a payee, select ‘From account’ and enter the details of your payment/transfer.

Yes, you can schedule a future-dated transfer up to 365 days in advance. You can also set up a recurring transfer, with a minimum of 2 times, up to a maximum of 999 transfers.

Only local transfers via FAST, GIRO and MEPS or transfers between HSBC bank accounts are currently available.

The following transfer types are not supported:

• to HSBC credit cards
• PayNow
• pay bills

1. Log on to the HSBC Singapore app.
2. Tap on 'Pay and Transfer' tab > select either 'Transfer between your HSBC accounts' or 'Transfer in Singapore' and follow the steps on the screen.
3. On the transfer details page, tap on the calendar icon 'Transfer date' and follow the steps to complete your future-dated transfer.

1. Log on to HSBC Singapore app.
2. Tap on 'Pay and Transfer' tab > select either 'Transfer between your HSBC accounts' or 'Transfer in Singapore' and follow the steps on the screen.
3. On the transfer details page, tap on the toggle 'Set a recurring transfer' and follow the steps to complete your recurring transfer.

1. Log on to the HSBC Singapore app.
2. Under 'Home' screen, select 'From account' for your future-dated or recurring transfer.
3. Tap on 'Scheduled transfers', then select the transfer.  
4. Tap on 'Delete transfer' then 'Yes, delete' to delete the scheduled transfer.

If you have opted for transaction alert then you'll receive the transaction notification via SMS or email. You can also check if your transfer is successfully deducted from your account under transaction history. 

Your default daily third party transfer limit is SGD5,000 and the maximum daily third party transfer limit is SGD250,000. To update your daily limits, log on to HSBC Online Banking, select > 'Pay and transfer' > 'Online banking limits' > 'Manage your daily limits' > 'Edit'. Then enter your new limits and select 'Continue'.

The cut-off time is before 3pm, Mondays to Saturdays. If you submit a GIRO transfer before the cut-off time, the money will be debited from your account at the end of the day.

Online instructions received after the cut-off time will be processed on the next working day.

Note: Please ensure that there are sufficient funds in the selected debiting account.

The cut-off time is before 4pm, Mondays to Saturdays.  Online instructions received after the cut-off time will be processed on the next working day.

There is no payment cut-off time for FAST and PayNow.

This depends on the nature and timing of the transaction.  For transfers to any accounts within HSBC Singapore, this will be effected immediately if it is received before the cut-off time for that day.  For payments to HSBC Credit Cards, this will be effected the next working day.

Yes, the instruction will still be carried out. However, it will only be processed on the next working day.

Exchange rate is only available for selected cross-currency transfers. The following currencies are supported: AUD, CAD, CHF, DKK, EUR, GBP, HKD, JPY, NOK, NZD, SEK, SGD, THB, ZAR, USD.

Both payment currency and debit account currency must be one of the supported currencies.

Exchange rate availability is subject to the type of transfer performed and the cut-off time.

For transfers between my accounts and transfers to other HSBC account or other HSBC credit card account, exchange rate is available around-the-clock providing real time foreign exchange rates 24 hours/5.5 days including local public holidays; preferential rates for weekends as well as international public holidays (between 5am Singapore Time on 25^th December and 9am Singapore Time on 26^th December as well as between 5am Singapore Time on 1^st January and 9am Singapore Time on 2^nd January).

The exchange rate will expire in 12 seconds. Please re-try.

Yes, you may request for another foreign exchange rate after the exchange rate expires.  At the input page, click confirm to continue.

You will need an Everyday Global Account (EGA) to start currency conversions which can be opened via HSBC Internet Banking if you are an existing HSBC customer or at any HSBC branch if you are a new customer. You will receive an Everyday Global Debit Card upon opening your EGA which provides you with access to up to 11 different currencies* and make currency conversions using:

1. "Domestic Transfer" at real-time competitive rates
2. "Set your rate" at your own preferred rates

*Australian Dollar, Canadian Dollar, Euro, Japanese Yen, New Zealand Dollar, Pound Sterling, Swiss Franc, US Dollar, Hong Kong Dollar, Chinese renminbi (Offshore) and Singapore Dollar.

After you have performed a currency conversion within your EGA via the HSBC Singapore app, you can make retail purchases, online shopping and cash withdrawal with no FX fee* using the HSBC Everyday Global Debit card.  If you are spending USD100 on your EGA debit card, we will just deduct USD100 from your EGA. It's that simple, with no hidden charge. Please note that EGA Debit Card does not support Renminbi transactions.

*Applies to successful retail purchase, online shopping and cash withdrawal made via the 9 supported foreign currencies.

You can refer here for more information on Everyday Global Account Debit Card.

With HSBC Singapore app, you are free to add new bill payees and make payments conveniently and securely, anytime and anywhere. For future/recurring bill payment or to set up or delete payees, please access the full version of HSBC Online Banking via your computer.

Yes, you can. Online instructions received after the cut-off time will be processed on the next working day.

The Programme 'Balance Conversion' is being renamed to 'Spend Instalment'. This is with effect from 18 September 2019. Other changes to the Programme include:

• The promotional processing fee waiver for HSBC Advance and Revolution credit cardholders will cease.
  
• Up to a maximum of 6 instalment plans to be placed at any one time (previously was capped at 5 instalment plans).
  
• For application through the HSBC Singapore App: You can combine up to 10 transactions in an instalment plan, with each transaction of at least S$200. The aggregated instalment plan amount remains at least S$500.
  
• For application through the other channels: A minimum amount of S$500 in a single transaction is required to be placed on the Programme, and you won't be able to combine transactions into one instalment plan.
  

Spend Instalment helps to split your retail purchases (including shopping, travel, education, etc.) into interest-free instalments at a low one-time processing fee.

It can be applied for transactions charged locally or overseas, across a wide variety of category (e.g. shopping, travel, education, etc.) Transactions need to be reflected in your latest HSBC credit card statement or posted by merchant but unbilled.

• Download the HSBC Singapore app and log in to apply.
  
• Call our hotline at 1800-HSBC NOW (4722 669).
  
• Download the application form available at www.hsbc.com.sg/spendinstalment.
  
• Send an SMS to 74722 with the following format and an HSBC customer service officer will contact you within 3 working days: INST<space> NAME<space> 16-digit card number.

The approved instalment amount will be divided into equal monthly instalment based on the tenure you selected. If the approved instalment amount cannot be divided into equal monthly instalments, the relevant balance will be included in the last instalment.

Yes, we will send you an SMS, E-mail or letter once the application has been processed.

Alternatively, you can also view the Spend Instalment plan details on the HSBC Singapore App under "Your instalment plans" once the Spend Instalment application is approved. 

Regardless whether the Spend Instalment application is approved or declined, you are liable to pay the total outstanding balances incurred on your credit card statement by the payment due date, failing which interest and finance charges may apply.

Interests and late payment charges will be levied on any overdue Instalment as well as other overdue amounts in the credit card accounts in accordance with the terms of the Cardholder's Agreement, i.e.: payments made to the HSBC credit card accounts of Eligible Customers will be applied in the following order of priority, namely: interest charges, late charges, annual card membership fees, cash advances, outstanding balances not under promotional interest rates and balance transfer amounts (if there are multiple balance transfers, payment will be made to the one with the highest interest rate first) on their HSBC credit cards.

A termination charge of SGD100 will be imposed for these scenarios:

• Early repayment of instalments
  
• Change of instalment period
  
• Termination of the instalment plan under the Programme.
  

No, you cannot. If you need to cancel or amend the plan, please call our hotline at 1800-HSBC NOW (4722 669). Please note that there is a charge of SGD100 imposed for any early repayment of instalments, change of instalment period, or termination of the instalment plan under the Programme.

Mobile Chat is an easy, convenient and secure way to get in touch with us for any general or account-related enquiries that you may have via the HSBC Singapore app. To access it, go to 'Support' tab  and select 'Chat with us'.

Our chat agents are available from 9:00 to 21:00, everyday including weekends and public holidays.

Yes, you can still leave us a message in Mobile Chat outside of those hours. Even when our agents are not online, our virtual assistant YAS can answer any general enquiries that you may have.

But for more specific account-related enquiries, you can leave us a message and we'll get back to you when we're next online.

Be sure to enable push notifications for the HSBC Singapore app so you'll know when we've replied to you. You can do this in 'Settings' on your mobile device.

An OTP/ In-app Authentication helps to protect against online fraud. It’s a secure way to authenticate whether a customer who is making an online purchase is the rightful owner of the credit/debit card being used.

No. It’s required only at merchant websites that support the 3-D Secure (3DS) authentication protocols which provide extra security for online transactions.

If you have registered for and are actively using the HSBC Singapore app, you will be prompted to authenticate via In-app Authentication. Otherwise, you will receive a SMS OTP sent to the registered mobile number in the Bank’s records instead.

The merchant website will display the logo of 3DS card schemes such as VISA’s Verified by VISA and Mastercard SecureCode.

No, this feature is automatically enabled for all HSBC credit and/or debit cards if you have a valid mobile phone registered with the Bank so we can send the OTP or are registered for and are actively using HSBC Singapore app.

No, this service is provided free by HSBC for your banking convenience and enhanced security.

When you make an online purchase using your credit/debit card via a 3DS enabled merchant, you will be prompted to login to your HSBC Singapore App to approve the transaction. Tap on 'Approve' to confirm the transaction.

When you make an online purchase using your credit/debit card via a 3DS enabled merchant, a pop-up message will appear on your screen asking you to enter the OTP. This OTP will be sent to your registered mobile phone via SMS.

1. Log on to the HSBC Singapore app when you're prompted at the point of payment.

2. You'll see a screen showing the transaction details. Click 'Approve' to confirm the transaction.

3. Authorise the transaction using your biometrics or mobile app PIN.

4. Once authorised on the app, return to the retailer site to complete the transaction.

You will be able to make online purchases from merchant websites that don’t support 3DS. For 3DS enabled websites, you won’t be able to complete a transaction.

Please submit the request via HSBC Personal Internet Banking or visit the nearest HSBC branch or update via filling in one of the relevant forms below:

• For customers residing Singapore, please download Update personal particulars and contact details form (PDF) and mail it to us using the Business Reply Envelope.
• For customers residing overseas, please download Update personal particulars and contact details form (overseas) (PDF) and mail it to us using the Business Reply Envelope.
• For customers with Singpass access, you can update your contact details at Personal contact details update using Myinfo (For Singpass users only)

You can ask for an OTP to be sent up to 3 times. Please note however, that the OTP may be delayed due to circumstances beyond the Bank's control as it is telco-dependent. Please make sure that your mobile number is updated in the Bank's records to receive your OTP from the Bank.

You can temporarily block or unblock your credit card with one tap. This may come in handy if you want to prevent unauthorised transactions, or if you think you may have misplaced your credit card and need time to look for it.

1. Log on to the HSBC Singapore app.
2. From your home screen, select the credit card you want to block.
3. Tap 'View more' and then 'Manage cards'.
4. Tap the button next to 'Temporarily block this card'. Read the important information that pops up and tap 'OK'. You'll return to the 'Manage cards' screen where you'll see that your card is now greyed out, indicating that you have temporarily blocked it.

If you're the main cardholder, you should also receive an SMS and/or email notification to let you know that the Block/Unblock status has changed.

Yes. Primary cardholders can perform the block (or unblock) on each primary and supplementary card individually using our mobile app.

No. Supplementary cardholders don't have access to the 'Manage card' control features in the mobile app.

If your credit card is lost or stolen, please contact us so that we can block your card permanently and issue a replacement card.

• Point of Sale (POS) / In-store purchases
• Contactless
• Device wallets
• Online transactions
• ATM cash advance withdrawals

The transaction type is determined by the merchant and their acquiring bank. So there may be instances of certain subscription-based transactions being tagged as non-recurring when it reaches HSBC for processing. This will result in the transaction being declined when your card is temporarily blocked.

Do also note that the recurring set up has to be done by the merchant prior to your card being temporarily blocked.

Bus/MRT transactions are not usually authorised in real time. They're typically accumulated and processed at a later time. For example, with:

• HSBC Visa cards, fare charges are accumulated daily
• HSBC Mastercard cards, fare charges are accumulated for up to 5 days or after total of SGD15 is spent on transit fares, whichever is earlier.

Because of this, there may be instances where the transaction gets approved despite card being blocked (or transaction gets declined when card was unblocked).

Yes, it may. The first time you use your card on bus/MRT, it might be difficult to tap in or out due to the temporary block. If you are intending to use the card regularly, you should consider unblocking the card via the mobile app.

Please call us immediately to inform us. Our customer service officers will help block your credit card immediately and also guide you on how to submit a dispute declaration form for any unauthorised transactions.

Yes, this feature is close to real-time. We will also send an SMS/email notification after your card has been successfully blocked or unblocked.

No. When you use this feature to block a card, it will only remain temporarily blocked until you unblock it using the same way. If you want to permanently block the card, kindly contact us.

No. There's no limit to how many times you can block or unblock your card.

Yes, any pending transactions will be processed and posted into your account.

You can click here for details on how to apply for a credit limit increase.

No, both the primary and any supplementary cardholders share the same credit limit. Transactions from all parties will be consolidated and reflected in the primary cardholder's statement.

Yes, you may state your preferred credit limit in your application. This will then be subject to our review and approval. Alternatively, you may ask for your credit limit to be assigned by us.

Please allow at least 3 working days to process your application after the required documents are submitted. In event of high volume, it will take a longer time to complete the review.

We can consider granting a Singapore citizen or permanent resident (PR) the maximum aggregate credit limit for unsecured credit facilities. We'll base our decision on the following:

• Whether you have an annual income of SGD120,000 or higher, that's up to 6 times your monthly income
• Whether you have an annual income of between SGD30,000 and SGD120,000, that's up to 4 times your monthly income
• An amount which we may determine at our own discretion

Once you've submitted your application, you can't cancel it. We'll notify you of our decision via SMS on your registered mobile number.

We may decline your application if you're not eligible for a credit limit increase. We may also decline it if we received incomplete or insufficient supporting income documents.

Credit limit increase applications are subject to review. Depending on the supporting income documents provided and various policy guidelines, we may have to decrease your credit limit.

You can ask for a temporary credit limit increase by phone. We can grant it for overseas travel, weddings, hospitalisation and compassionate purposes. To ask for a temporary credit limit increase, please call us on +65 6-HSBC NOW (6-4722 669).

A push notification is an alert you may receive on your device from HSBC Singapore app if you have enabled your Digital Security key.

To register for push notifications, follow these steps:

1. Log on to the HSBC Singapore App
2. Tap on Bell icon on the top right corner of the Home page
3. Click on ‘Turn on notifications’
4. Click on ‘Allow’ for notifications ’

You will be receiving notifications for all active accounts.

To find out more,

for IOS, search 'notifications' at https://support.apple.com/

for AOS, search 'notifications' at https://support.google.com/android

You can turn off notifications at any time in 'Notification preferences' in the mobile app.

1. Tap on Profile icon on the top right corner of the Home page
2. Select ‘Communication preferences’, then ‘Push notifications’
3. Tap ‘Account and transaction’ to turn off

Once you've logged on the HSBC Singapore app, you can access your push notifications by tapping the bell icon on the top right corner of the Home page.

When you turn on push notifications, we'll send you updates to help you manage your account activities. This might include payment due reminder, cashback received from credit card and many more notifications will be introduced over time to help you keep track of your account activities.

Please note, turning off push notifications does not stop SMS, email or other types of notifications that may be sent to you from the bank.

There might occasionally be delays or delivery failures for notifications. This could be due to network connectivity issues or the data and battery optimization settings on your device.

If you're on an Android(TM) device

Please note that Google services are limited in some countries and territories.  That means your device may not be able to receive push notifications while in those areas. But not to worry, you can usually still find your notifications in Notification history.

Push notifications for credit card purchase transactions and fund transfers to external bank’s account which includes MEPS, FAST, Paynow & Global Money

We recommend registering for push notifications as they allow you to monitor your account activity, which would help protect you against impersonation and phishing scams.

Effective from January 2024, we will progressively replace the following SMS transaction alerts with push notifications:

• Credit card purchase transactions
• Fund transfer to another bank’s account which includes MEPS, FAST, Paynow and Global Money

We recommend registering for push notifications as they allow you to monitor your account activity, which would help protect you against impersonation and phishing scams.

If you have already registered for push notification you will not be able to retain SMS alerts.

We recommend registering for push notifications as they allow you to monitor your account activity, which would help protect you against impersonation and phishing scams.

To change your preferences, you may either

• Chat with us on HSBC Singapore App/ Online Banking
• Call our 24 hours hotline or
• Submit the Transaction alert service form (PDF, 905KB)

Please allow us 7 working days to process your request.

We are unable to send both push notifications and SMS. However, you may elect to receive email notifications in addition to push notifications.

Transaction alerts (SMS, Push and/or Email, as the case may be) will be sent for each approved transaction that is equal to or greater than the alert threshold limit maintained with the bank. The default amount is $100 (Debit card and Personal deposit/Personal line of credit account) and $500 (Credit card).

To update your existing thresholds, you may either

• Chat with us on HSBC Singapore App/ Online Banking
• Call our 24 hours hotline or
• Submit the Transaction alert service form (PDF, 905KB)

Please allow us 7 working days to process your request.

If you did not register for push notifications, you will continue to receive SMS and/or Email notifications in accordance with your existing preferences.

We recommend registering for push notifications as they allow you to monitor your account activity, which would help protect you against impersonation and phishing scams. 

1. Log on to the HSBC Singapore App
2. Select Profile icon on the top right corner of the Home page
3. Select 'Communication preferences' then Choose 'Push notification'
4. Switch on or off for 'Account and transaction.’ Note that you cannot turn off Critical alerts like credit card purchase transactions and fund transfers.  If you have notifications turned on, we’ll always send you these. 

The default threshold for your credit card (including your supplementary cards, if any) is $500. The default amount is S$100 for Debit card and Personal Deposit/Personal line of credit account. 

To check or update your existing thresholds, you may either

• Chat with us on HSBC Singapore App/ Online Banking
• Call our 24 hours hotline or
• Submit the Transaction alert service form (PDF, 905KB)

Please allow us 7 working days to process your request.

If you require further assistance, you can contact us at +65 6472 2669 or chat with us by selecting the Support tab on our HSBC Singapore App.

You may go to HSBC website, log in to Online Banking and select “update your personal details’.

This is an additional security measure in case Digital Secure Key was set up without your knowledge. If you receive an SMS from us saying your Digital Secure Key has been set up, but you didn't authorise it, the 12-hour waiting period will give you time to report the issue to us.

During the 12-hour waiting period you will not be able to:

1. Add domestic and international payees
2. Send money
3. Pay bills
4. Make PayNow/FAST transfers
5. Update your personal contact details such as your mobile number or email address
6. Revise your transfer limits
7. Set/change debit card PIN

These are considered high-risk transactions.

No. This security measure is undertaken by all banks in Singapore to help prevent fraudulent transactions.