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HSBC Singapore App FAQs

Frequently asked questions

Getting started

How can I set up the HSBC Singapore app?

The HSBC Singapore app uses the same username and password as your Online Banking. 

If you have not yet registered for Online Banking, simply download the latest version of the HSBC Singapore app and tap on 'No' at the "Already registered for HSBC Online Banking?" Screen and the app will guide you through the rest. You will need to use your Singpass app for verification. 

If you have already registered for Online Banking, you can set up the HSBC Singapore app by entering:

  • the username you have been using for Online Banking;
  • the password you have been using for Online Banking and the SMS activation code sent to the registered mobile number. For customers using the physical Security Device, you may use the security code generated from your Security Device during the set up as well.

How to set up mobile banking

After setting up the HSBC Singapore app and completing the verification, you can create a 6-digit PIN. You can always change your 6-digit PIN on the HSBC Singapore app, by going to Profile icon on top right of app screen > Security> Manage Security > Change PIN.

You can also enable the biometrics log on function. Go to Profile icon on top right of app screen > Security > Manage Security > Toggle the Touch ID / Face ID log on button > Click Set up Touch ID now / Enable Face ID now.

Why should I register for Online Banking using HSBC Singapore app?

The quickest way to register for your Online Banking account is by using the HSBC Singapore app. You don't need to wait for your Card and PIN to arrive. You just need your Singpass app to complete the verification. In addition, you will also be able to set up your 6-digit PIN for mobile banking and activate your Digital Secure Key at the same time. The Digital Secure key generates a unique security code for one-time use, enabling you to log on to online banking, confirm transactions and access the full range of Online Banking services.

What do I need in order to register for Online Banking using the HSBC Singapore app?

You will need to have the Singpass app to register for Online Banking using the HSBC Singapore app. We recommend that you install the Singpass app before you start your registration to have a seamless experience.

What is the Singpass app?

The Singpass app is a Singapore government issued mobile application that serves as an alternate Two-Factor Authentication (2FA) method to conveniently access digital services using your biometrics or a 6-digit passcode. HSBC uses this app to verify the NRIC/FIN records of customers who register to Online Banking using the HSBC Singapore app. For more information, please visit: https://app.singpass.gov.sg/

Why do I need the Singpass app for registration using HSBC Singapore app?

Your Singpass app will serve as the basis to verify your account information with us so you can register for Online Banking without having to wait for the physical card to arrive.

How do I access the HSBC Singapore app?

For iOS users, you can download the HSBC Singapore app from Apple App Store. For Android users, you can download the HSBC Singapore app from Google Play.

If you are a current user of the HSBC Singapore app, you will be prompted a message asking you to visit the Apple App Store / Google Play to update the app. If you have set auto-update for apps, the HSBC Singapore app will be updated automatically to the latest version.

Can I use the app if my device is jailbroken or rooted?

A device that has been jailbroken or rooted may be less secure and we advise you not to use the HSBC Singapore app on such a device. If the app detects a device has been modified in this way then you may see a warning and may prevent you accessing the app on the modified device.

When setting up the app, I am shown a message saying I have too many wrong attempts of passwords. What can I do?

When you verify yourself with your password and SMS activation code, after more than three wrong attempts at the password, your password will be temporarily locked. You have to log on to Online Banking to unlock the password by entering your password as well as your date of birth.

When setting the app, I am shown a message saying I have too many wrong attempts of security code. What can I do?

When you verify yourself by security code and after more than three entries of wrong security code, your security code will be temporarily locked. You have to log on to Online Banking for unlocking the security code by entering security code as well as your date of birth.

When logging on to the app, I am shown a message that I have too many wrong attempts of 6-digit PIN. What can I do?

When you have input the 6-digit PIN incorrectly for more than 3 times, you will be prompted a message which requires you to reset your 6-digit PIN with your Online Banking log on credentials. 

To reset the 6-digit PIN, you have to verify yourself by either one of the authentication methods, which are a) passwords and SMS activation code, or b) security code.

Once the verification is completed, you can create a new 6-digit PIN which you will use to log on to the app going forward.

Can I use Touch ID, Fingerprint ID or Face ID to log on?

Once you have set up your mobile device, the 6-digit PIN and logged on for the first time using your 6-digit PIN, you will be suggested to activate Touch ID, Fingerprint ID or Face ID for future log on if your device is supported.

What happens if I want to use more than one mobile device to access the HSBC Singapore app?

From 18 July 2021 onwards, for your security, you can only set up the HSBC Singapore app on one mobile device at a time. But if you have set it up on multiple mobile devices, you can continue to use it on those devices.

Before you switch over to a new device, please follow these simple instructions on your old device (PDF).

Using the app

I am unable to log on to the HSBC Singapore app on my Android device as it fails PIN verification.

If you have updated your mobile device to Android OS 12, you may not be able to log on with your existing mobile app PIN.

The Digital Secure Key generated for log on, transaction verification and re-authentication may also be considered invalid. You will be required to reset the mobile app PIN using 'Forgot your PIN?' option on the mobile banking app log on screen. Alternatively, you may go to Profile icon on top right of app screen > Security > Manage Devices to remove the device and delete the existing version of the mobile app and install the latest version from the Play Store to set up the mobile app again.

What mobile devices and operating system (OS) does HSBC Singapore app support?

It depends on which version of the app you have.

Version 3.36 and below

  • iPhone, iPad and iPod Touch with iOS version 13.0 or above
  • Mobile handsets with Android OS version 7.0 or above
  • Android tablets with Android OS version 7.0 or above and a display screen size of 7" or larger

From version 3.37

  • iPhone, iPad and iPod Touch with iOS version 14.0 or above
  • Mobile handsets with Android OS version 8.0 or above
  • Android tablets with Android OS version 8.0 or above and a display screen size of 7" or larger

My devices operating system (OS) is older than Android 8.0. When will the HSBC Singapore app stop working for me? And what will happen if I don’t update the OS Android 8.0 or above?

You can continue to use your current version of the HSBC Singapore app until end of August 2023. If you do not update your OS to Android 8.0 or above, you will no longer be able to use the HSBC Singapore app.

How can I check my device's operating system (OS) version?

  • On iOS, Go to Settings >> General >> About. Look for 'Version' or 'Software Version'
  • On Android, Go to Settings >> (System) >> About phone >> Android version (this path may vary by device)

How can I view the account details such as the transaction history of a specific account?

To view the account details and transaction history in the app, tap on the relevant account in the Home screen.

Transactions which have been authorised on your debit card and are pending merchant settlement can be viewed under 'Pending' in the 'Transaction history' section.    

How can I view the transaction history of my credit card accounts?

Tap on the preferred credit card on the Account List in the Home tab of the HSBC Singapore app.

Why are some of my Credit Card Transactions marked as pending?

These are transactions that have been authorised by you. They will be posted to your account if the merchant settles the transaction.

For transactions in foreign currencies, the pending amount will be reflected in the foreign currency. After it has been settled by the merchant, the amount will be converted to the currency of your card account based on the applicable exchange rate, and will also include any relevant fees for foreign currency transactions.

Merchants may post transactions as part of account validation or security deposit (e.g. hotel deposit). Such transactions will appear as pending until the merchant releases it or the authorisation hold expires.

I've been entering the correct password but I keep getting the message 'incorrect password'. Why?

If you enter the incorrect password more than 3 times, you'll be asked to enter your date of birth and your password as an additional security measure.

If you enter your date of birth incorrectly 3 times, your profile will be locked temporarily. You won't be able to log on or generate security codes using your Digital Secure Key for a period of time.

Once this period is over, you can try logging on again. You'll still need to enter your date of birth correctly, and your password in full.

Why have I been asked to enter my date of birth after my profile was locked temporarily?

This is to keep your profile secure and prevent any unauthorised access. You'll only be asked to enter your date of birth to verify your identity if you're tried to log on with the incorrect password 3 times.

I entered the correct date of birth and password but I keep getting an error message. What should I do?

If you keep getting an error message despite entering the correct date of birth and password, please contact us or visit your nearest HSBC branch.

Guides for using the app

How do I use the different features within the HSBC Singapore app?

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. 

Protecting you from malware scams

1. What are the new anti-malware security measures that HSBC has implemented on its mobile banking app?

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.

2. Is the new measure only to protect Android device users from potential fraud incidents resulting from malware?

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

3. Why does turning off accessibility permissions for these apps improve security?

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.

4. How do I secure my device?

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.

5. How is my privacy protected in security scanning?

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

Your security and privacy are our top priority.

6. Why are these security measures necessary?

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.

7. How do I change the accessibility settings for the third-party apps that I have downloaded?

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.

8. I use an Android device. When I try to log on to the HSBC Singapore app, an alert message is shown and my access to the app has been suspended. What should I do?

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.

9. Which app stores are regarded as official app stores?

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

10. I'm an Android device user. How can I protect myself from malware?

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.

11. Should I delete these untrusted apps?

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.

12. I've already turned off the accessibility permission for those potentially affected apps, why am I still seeing the alert page 'Your device is at risk'? What should I do?

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.

13. Why is my app labelled as a potentially affected app when it is available outside the official app stores?

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.

14. Why does restriction to HSBC Singapore app only apply to Android version but not iOS version? I'm an iOS user, am I affected?

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.

15. I'm using Android device with developer mode turned on. When I try to log on to the HSBC Singapore app, I get a warning message and my access to the app is also suspended. What should I do?

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.

16. Is my bank account at risk if I see the alert page?

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.

17. Does the new measure involve anti-virus software?

No, it does not.

eStatements

How can I view my eStatements using HSBC Singapore app?

  1. After logging on, select the credit card or banking account
  2. Select 'View statements' icon
  3. Select the date of the statement you want to view

It will take about 10 seconds for the statement to load.

Can I download my eStatements?

You can use the share function by pressing the 'share' icon at the top-right corner when viewing the statement. You can then download the PDF version of the statement or share the statement with others via email, message or AirDrop. To protect your information, sharing the statement on social media is not allowed – you won't have this option after selecting the 'share' icon.

What eStatements are available on the app?

Your credit card and banking eStatements from the last 12 months are available to view and download in the app.

If you have reported your credit card as lost or stolen, you will not be able to view the eStatements of the old blocked card in the app. Contact us should you need them.

Why is the HSBC Singapore app requesting access to my photos, media and files when I try to view my statement?

Android device users will be asked to give this access, as the eStatements will be downloaded on your device and opened via a PDF viewer. When you see the prompt, please select allow and then you'll be able to view your eStatement.

iPhone users should not be asked for this access, as the technology allows for the statement to be viewed in the app.

When I update my Communication Preferences on HSBC Singapore app, do they take effect immediately?

The changes will be saved immediately and your preferences will be updated for the next statement

Will I be able to view or download my previous eStatements if I update my Communications Preferences to paper statement?

Once you update your Communication Preferences to paper statement, you will no longer be able to view your Banking eStatements but you will still able to view your credit card eStatements. You are advised to download any required eStatements before choosing this option.

I have updated my Communication Preferences to paper statements, will the preference be updated for my joint accounts too?

Yes, when you update your preferences for your Banking Accounts, they are updated for all accounts including any joint accounts.

I have updated my Communication Preferences to eStatements for my Banking Accounts, but my joint account holder hasn't updated their preferences, will they continue to receive paper statements?

If you opt for eStatements and you have a joint account, both you and your joint account holder will stop receiving paper statements. Both you and your joint account holder can view and download your eStatements via Online Banking or HSBC Singapore app.

How do I set/change my debit card PIN?

To change you debit card PIN, you need to:

  1. Log on to HSBC Singapore app
  2. Select your account linked to your debit card
  3. Tap on 'Manage cards'
  4. Tap on 'Set PIN', then enter and confirm your new PIN
  5. Tap 'Set PIN' to continue
  6. Once completed, you can use your new PIN straight away

Note: Your debit card needs to be activated before you set the PIN.

Activating cards

How do I activate my primary and supplementary credit cards in the app?

  1. Select the primary credit card from the Home screen
  2. Tap on 'View more'
  3. Tap on 'Manage cards'
  4. Tap on 'Activate card', followed by 'Activate'.

How do I activate my debit card in the app?

  1. Select the account linked to your debit card in the Home screen
  2. Tap on ‘Manage cards’
  3. Tap on "Activate physical card", followed by 'Activate card'

Balance transfer

What is balance transfer?

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.

What are the available rates and tenors?

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

Is there a minimum and a maximum amount?

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.

Who can apply for a balance transfer?

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.

How can I apply for a balance transfer?

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.

What happens once I've been approved for a balance transfer?

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.

Will I be notified about my application status?

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

Will I earn any Reward points from a balance transfer?

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

What are my options for making repayments?

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 

How is the minimum payment amount calculated?

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.

How is the payment received allocated?

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.

Changing your phone

What should I do if I want to change/upgrade my mobile phone?

Before you switch over to a new device, please follow these simple instructions on your old device (PDF). You may then download the latest version of HSBC Singapore App on your new mobile device and follow the onscreen instructions.

If your old mobile device is no longer available, please call our customer service hotline or visit any of our branches for assistance.

What should I do if my mobile device with the HSBC Singapore app set up is lost or stolen?

Please call our 24-hour customer service hotline on 1800-HSBC NOW (4722 669) in Singapore or (65) 6-HSBC NOW (4722 669) from overseas for further assistance. If you subsequently find your old phone and want to use it to access the HSBC Singapore app again, you will need to set up the mobile device and go through the registration again.

Biometric log-on

What type of biometric log-on is available for HSBC Singapore app?

iOS users: You can log on to HSBC Singapore app using Touch ID1 or Face ID2.

Android users: You can log on to HSBC Singapore app using Fingerprint ID3,4.

1Available on Touch ID enabled Apple iPhone, iPad or later running on iOS 12.2 or above
2Available on Face ID enabled Apple iPhone X or later, and iPad Pro running on iOS 12.2 or above
3Fingerprint ID: If your device OS is Android 8.0 or above, you will be able to use Fingerprint ID unless your device is deemed unsecure by the app.
4Samsung S9/S9+ Fingerprint ID: If your device OS is Android 10.0 or newer and you've downloaded the latest app version (3.7.0), you will not be able to use Fingerprint ID.

Is Touch ID / Fingerprint ID / Face ID safe?

Only fingerprints and facial maps stored on your device can be used to access the app. Your biometric data will not be stored in the HSBC Singapore app or otherwise retained by HSBC. For security reasons we recommend that you use your own biometric data to enable logon to your device (and not the biometric data of any other person).

How can I enable or disable my Touch ID/Fingerprint ID/Face ID for the HSBC Singapore app?

To activate Touch ID/Fingerprint ID/Face ID, you need to log on to the HSBC Singapore app using the 6-digit PIN.

To disable it, go to "Manage Security" which can be accessed through the "Profile tab on top right of app screen".

What happens if I change my Touch ID / Fingerprint ID / Face ID settings?

If you change your fingerprint/face settings on your device or update your fingerprint/face records on your device, you will need to confirm your fingerprint/facial map again the next time you log onto the HSBC Singapore app.

If my fingerprint / face is not recognized, can I still log on to HSBC Singapore app?

Yes, you can still log on with your 6-digit PIN. You can, at any time, choose between using either biometrics or the 6-digit PIN to log on.

Can someone else log on to the HSBC Singapore app if their biometrics is stored on my device?

When you enable biometric log on in the HSBC Singapore app, any kind of biometrics stored on your device can be used to log on to the HSBC Singapore app. You can always add or remove biometrics from your device's settings menu. For security reasons, we recommend that you use your own biometric data to enable logon to your device (and not the biometric data of any other person).

My siblings and I look alike very much. Are they able to log on to my HSBC Singapore app using Face ID?

The probability of a false match using Face ID is dependent on certain circumstances, such as for twins or siblings who look alike or adolescents, and if "Require Attention for Face ID" function is disabled on your device settings. Please read the HSBC Singapore app Terms and Conditions carefully and accept the associated risks and consequences if you continue to enable the Face ID function. For security reasons, we recommend that you use your own biometric data to enable logon to your device (and not the biometric data of any other person).

Pay Now

What is PayNow?

PayNow allows you to transfer SGD funds instantly to a payee, using the payee's designated mobile number / NRIC / Unique Entity Number/ Virtual Payment Address (VPA).

A payee can receive funds via PayNow as long as he/she has a Singapore bank account with one of the PayNow participating banks, and has registered his mobile number / NRIC / Unique Entity Number/ Virtual Payment Address (VPA) with participating banks or Non-Bank Financial Institutions (NBFIs).

Can I register for PayNow via the HSBC Singapore app?

No, the HSBC Singapore app does not support PayNow registration currently. To register for PayNow, please log on to Online Banking and proceed the registration.

Can I save PayNow payees via the HSBC Singapore app?

No, the HSBC Singapore app does not support saving PayNow payees currently. To save PayNow payees, please log on to Online Banking.

How does a PayNow fund transfer work on HSBC Singapore app?

  1. PayNow
    1. Logon to the app
    2. Select Pay and transfer > PayNow
    3. Select Payment account
    4. Select Identification type. You can select from the list of saved payees or create a one-time transfer. Key in the identification type ie. mobile number, NRIC, Unique Entity Number or Virtual Payment Address (VPA)
    5. Input transfer amount and the recipient reference and click continue
    6. Review the accuracy of the information especially the Nickname
    7. Click confirm
  2. Scan and Pay
    1. Tap Scan and pay > Scan the QR code
    2. Input the transfer amount, payment account and the recipient reference
    3. Review the accuracy of the information especially the Nickname
    4. Click confirm

Scan and Pay

What is Scan and Pay?

By using the "Scan and Pay" function in HSBC Singapore app, you can scan a SGQR to initiate a PayNow transfer to the mobile number or UEN of the recipient consumer or corporate respectively. This is an easier way for you to pay corporates and other consumers. You don't have to key in their mobile number or UEN.

How do I scan a QR code and pay?

You can look out for PayNow logo under the SGQR to identify and confirm that the biller/merchant accepts PayNow.

To make payment using 'Scan and pay':

  1. Log on to HSBC Singapore app and select "Scan and pay"
  2. Alternatively, after logon you can select "Pay and transfer" and then "Scan and pay"
  3. The app automatically enables the camera on the phone which you can scan the QR code
  4. There is also an option to upload QR code.
  5. Review the Nickname to ensure that it is the correct person you are paying
  6. Enter the amount, select the debiting account number and enter a Recipient reference
  7. Review the information and click confirm
  8. A confirmation page is displayed to confirm the payment.

How can I generate a personal QR code?

You can generate a personal QR code to receive payment from your friends.

To generate a personal QR code:

  1. Log on to the HSBC Singapore app and select "Show my QR code"
  2. Alternatively, after logon, select "Pay and transfer" and then "Show my QR code"
  3. Tap "Add payment details" to enter Amount, Recipient reference and Expiry date if required and click done
  4. A QR code is generated
  5. You can save the image to your device photo gallery if required

How can I ensure the SGQR code label has not been tampered with?

After scanning an SGQR code, you should check that the merchant name displayed on the HSBC Singapore app matches with the merchants' name displayed above the SGQR label. Upon successful payment, you should receive an almost immediate payment notification. Similarly, merchants should receive a notification as well.

If you suspect fraud, please immediately report this to HSBC.

Money transfers and add payees

What type of payments/transfers can I make?

  • 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

How do I add new payees to transfer locally in Singapore on the HSBC Singapore app?

  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.

Can I add credit card number as a payee and transfer money to pay outstanding credit card balance?

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

How do I add new international payees on the HSBC Singapore app?

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'

How do I make a payment/transfer to an added payee?

  • 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.

What are the different transfer types available and which should I choose?

You may choose to transfer funds online via PayNow, FAST, GIRO or MEPS, with the differences between the transfer types laid out in the comparison table below:
Transfer type
What is required?
How long does it take?
Maximum daily limit Suitable for?
PayNow

Either

  • Mobile number 
  • NRIC 
  • A corporate Unique Entity Number (UEN)
  • Virtual Payment Address (VPA)
Almost immediate

SGD1,000 (without transaction signing), or SGD250,000*

 

Transaction signing is only required for non-payees (if payee was not added or for ad-hoc transfers)

 

*Maximum of SGD200,000 per transaction

Splitting dinner or movie bills, paying your Carousell seller, your child's home tutor, and more
FAST

Bank account number / credit card number. 

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
Almost immediate

SGD1,000 (without transaction signing), or SGD250,000*

 

Transaction signing is only required for non-payees (if payee was not added or for ad-hoc transfers)

 

*Maximum of SGD200,000 per transaction

Near-instant fund transfer
GIRO Bank account number
Up to 3 working days
SGD250,000 Payments such as bills, taxes, insurance premiums, and more
MEPS Bank account number
Same-day clearance, for transfers made before 4pm
SGD250,000 Same-day, large volume funds transfer, with a S$10 transaction fee

Global Money Transfers/

Worldwide Transfers

Payee details such as payee name, bank account number, bank code, payee address (optional in some cases)

Up to 5 business days

 

(Time period can be from almost immediate to 5 business days. The actual arrival date is subject to the receiving bank)

SGD250,000*

 

*Maximum transaction limit for each transfer method applies

International money transfer to anyone, anywhere in the world

 

Global Money Transfers

 

Worldwide Transfers

Global Transfers Payee details such as payee name, bank account number, bank code, payee address (optional in some cases)

Instant*

 

*Foreign exchange transactions involving the following currencies may not be processed instantly over the weekend and public holidays: Bermudian dollar, Egyptian pound, Qatari riyal, Indonesian rupiah, Sri Lankan rupee, Malaysian ringgit, Vietnamese dong, Philippine peso and Omani rial

SGD250,000*

 

*USD200,000 for Global Transfers to your globally linked accounts

International transfers to your globally linked HSBC accounts and to other third party HSBC accounts.

 

Global Transfers

You may choose to transfer funds online via PayNow, FAST, GIRO or MEPS, with the differences between the transfer types laid out in the comparison table below:
Transfer type
PayNow
What is required?

Either

  • Mobile number 
  • NRIC 
  • A corporate Unique Entity Number (UEN)
  • Virtual Payment Address (VPA)
How long does it take?
Almost immediate
Maximum daily limit

SGD1,000 (without transaction signing), or SGD250,000*

 

Transaction signing is only required for non-payees (if payee was not added or for ad-hoc transfers)

 

*Maximum of SGD200,000 per transaction

Suitable for? Splitting dinner or movie bills, paying your Carousell seller, your child's home tutor, and more
Transfer type
FAST
What is required?

Bank account number / credit card number. 

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
How long does it take?
Almost immediate
Maximum daily limit

SGD1,000 (without transaction signing), or SGD250,000*

 

Transaction signing is only required for non-payees (if payee was not added or for ad-hoc transfers)

 

*Maximum of SGD200,000 per transaction

Suitable for? Near-instant fund transfer
Transfer type
GIRO
What is required?
Bank account number
How long does it take?
Up to 3 working days
Maximum daily limit SGD250,000
Suitable for? Payments such as bills, taxes, insurance premiums, and more
Transfer type
MEPS
What is required?
Bank account number
How long does it take?
Same-day clearance, for transfers made before 4pm
Maximum daily limit SGD250,000
Suitable for? Same-day, large volume funds transfer, with a S$10 transaction fee
Transfer type

Global Money Transfers/

Worldwide Transfers

What is required?
Payee details such as payee name, bank account number, bank code, payee address (optional in some cases)
How long does it take?

Up to 5 business days

 

(Time period can be from almost immediate to 5 business days. The actual arrival date is subject to the receiving bank)

Maximum daily limit

SGD250,000*

 

*Maximum transaction limit for each transfer method applies

Suitable for?

International money transfer to anyone, anywhere in the world

 

Global Money Transfers

 

Worldwide Transfers

Transfer type
Global Transfers
What is required?
Payee details such as payee name, bank account number, bank code, payee address (optional in some cases)
How long does it take?

Instant*

 

*Foreign exchange transactions involving the following currencies may not be processed instantly over the weekend and public holidays: Bermudian dollar, Egyptian pound, Qatari riyal, Indonesian rupiah, Sri Lankan rupee, Malaysian ringgit, Vietnamese dong, Philippine peso and Omani rial

Maximum daily limit

SGD250,000*

 

*USD200,000 for Global Transfers to your globally linked accounts

Suitable for?

International transfers to your globally linked HSBC accounts and to other third party HSBC accounts.

 

Global Transfers

Recurring and future-dated local transfers

Can I schedule a future date for my transfer or set up a recurring transfer  on the HSBC Singapore app?

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.

What transfer types are available for future-dated or recurring transfers on the HSBC Singapore app?

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

How do I schedule a future dated transfer on the HSBC Singapore app?

  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.

How do I set up recurring transfers on the HSBC Singapore app?

  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.

How do I view or delete my future-dated or recurring transfers?

  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.

How will I know if a future-dated transfer is successful?

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. 

Cut-off Time

What is the default maximum daily transfer limit and how can I update the daily limit to safeguard myself from fraud?

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'.

What is the cut-off time to transfer money via GIRO?

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.

What is the cut-off time to transfer money via MEPS?

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.

What is the cut-off time to transfer money via FAST and PayNow?

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

When I transfer money, is the transfer effective immediately?

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.

Will my instruction be carried out if I miss the cut-off times?

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

Foreign Exchange

When are exchange rates available?

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 25th December and 9am Singapore Time on 26th December as well as between 5am Singapore Time on 1st January and 9am Singapore Time on 2nd January).

Why do I keep getting the error that exchange rate has expired?

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

Can I request for another foreign exchange rate?

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

How do I make currency conversions?

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.

How do I use the HSBC Everyday Global Debit Card?

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.

Pay Bill

What is offered under the bill payment service for HSBC Singapore app?

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.

Can I make a bill payment on a Saturday, Sunday or Public Holiday?

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

HSBC Spend Instalment

What are the differences between Balance Conversion and Spend Instalment and the various application channels?

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.

How does Spend Instalment work?

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.

What is the processing fee structure?

A processing fee of up to 5% of the instalment amount will be imposed once the application is approved. Refer to the table for the breakdown of the processing fees across the 3 tenures:
Instalment period 3 months 6 months 12 months
Processing fee 3% 3% 5%
A processing fee of up to 5% of the instalment amount will be imposed once the application is approved. Refer to the table for the breakdown of the processing fees across the 3 tenures:
Instalment period Processing fee
3 months 3%
6 months 3%
12 months 5%

How can I apply?

  • 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.

How is the approved instalment plan being split?

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.

Will I be informed on the application status?

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. 

Do I have to pay for that specified transaction which is selected to convert into Spend Instalment upon receiving my credit card statement?

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.

What would happen if I miss one payment?

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.

Is there a termination charge if Customer cancel the programme before expiry date?

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.

Can I cancel or amend the Spend Instalment plan via HSBC Singapore App?

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

What is Mobile Chat?

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.

Can I use Mobile Chat on the HSBC Singapore app outside of your working hours?

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.

In-app Authentication for online purchases

Why is there a need for a One-Time Password (OTP) or In-app Authentication to complete an online purchase?

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.

Is an OTP/ In-app Authentication required for all online purchases?

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.

How do I know if an online merchant is a 3DS enabled merchant?

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

Do I need to register for OTP/ In-app Authentication service via HSBC Singapore app?

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.

Is there a fee to use OTP/ In-app Authentication service?

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

When do I need to approve my transaction in-app and how do I approve my transaction in-app?

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 do I key in the OTP and how do I receive the OTP from HSBC?

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.

Just follow three simple steps to authenticate your transactions via the app:

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

log on

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

confirm the transaction

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

authorise the transaction

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

complete the transaction

If I don’t have my mobile phone/In-app Authentication service registered with the Bank, can I still make an online purchase?

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.

How can I update my contact details?

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:

Can the Bank resend the OTP to me due to non-receipt?

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.

Block/unblock debit card

How do I block my debit card temporarily?

  1. Log on to the HSBC Singapore app
  2. From your Home screen, select the account linked to your debit card
  3. Tap 'Manage cards'
  4. Use the toggle next to 'Block card temporarily' to block the card

How do I unblock my debit card?

  1. Log on to the HSBC Singapore app
  2. From your Home screen, select the account linked to your debit card
  3. Tap 'Manage cards'
  4. Use the toggle next to 'Block card temporarily' to unblock the card

Will all my transactions be blocked if I block my card using the mobile app?

When your debit card is temporarily blocked, the following card-based transactions won't go through:

  • Point of sale / in-store purchases
  • Contactless
  • Device wallet (e.g. Apple Pay)
  • Online transactions (eCommerce via internet/mobile app)
  • ATM transactions

Are there any transactions that will still go through if my card is temporarily blocked?

Yes, the following account-based transactions will go through:

  • Direct debits, standing instructions, recurring payments (e.g. subscriptions, utility payments) which you've requested and set up on your account
  • Credit transactions made with your card (e.g. payments, refunds, reversals, NETS void transactions).

As the merchant and their acquiring bank determine the transaction type, they may tag certain subscription-based transactions as non-recurring. This will result in transaction decline when your card is temporarily blocked.

If you see any unauthorised transactions on your card, please call us immediately.

Will blocking / unblocking my debit card affect my account services?

No it won't. You can continue using your accounts and internet banking services even after blocking your debit card.

Block/unblock credit card

How do I temporarily block my credit card?

  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'
  5. 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.

How do I unblock my card?

  1. Log on to the HSBC Singapore app.
  2. From your home screen, select the credit card you want to unblock.
  3. Tap 'View more' and then 'Manage cards'.
  4. Tap the button next to 'Temporarily block this card'. When you return to the 'Manage cards' screen you'll see that your card is no longer greyed out, indicating that you have unblocked 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.

Can a primary cardholder use this feature to block or unblock the supplementary cardholder's card?

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

Can a supplementary cardholder use this feature to block or unblock their own card and the primary cardholder's card?

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

Will all my transactions be blocked if I block my card using the mobile app?

No. Most transactions will be blocked, but the following transactions will still go through:

  • Direct debits, standing instructions, recurring payments (e.g. subscriptions, utility payments, etc) and monthly instalments which have been requested for and set up by the merchant prior to your card being temporarily blocked. It also includes transactions which are directly settled by merchant without authorisation, or which are made during any system downtimes.
  • Credit transactions made to your card (e.g. payments, refunds, reversals, etc)
  • Fees where applicable (e.g. annual fee, interest, late fee, etc)
  • Transactions related to Secondary Account Number (SAN) on the HSBC ATM in Singapore.

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

What type of transactions won't go through when the card is blocked?

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

Why was my recurring transaction blocked by the 'Manage cards' control feature?

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.

Why did bus and/or MRT transactions get approved (or declined) when my card is blocked (or unblocked) at point of usage?

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).

When my card is blocked, will it impact the usage on bus and/or MRT?

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.

What if I see unauthorised transactions despite my credit card being blocked? What if I have lost my credit card?

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.

Will my cards be blocked or unblocked immediately?

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.

Will the card get permanently blocked after a certain period?

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.

Is there a limit to the number of times I can block or unblock my card?

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

When I block my card, will those under "pending transactions" go through?

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

Increase credit limit

How can I apply for a credit limit increase?

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

Can I have a separate limit and billing from my supplementary cardholders?

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.

Can I state my preferred credit limit when I apply for a credit card or for a credit limit increase?

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.

How long will it take for my credit limit to be reviewed?

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.

What's the maximum credit limit I can get on my HSBC credit card?

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

Can I cancel my credit limit increase application after I've submitted it?

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.

Why was my credit limit increase application unsuccessful?

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.

Why has my approved credit limit been lowered instead?

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.

How do I ask for a temporary credit limit increase?

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).

Push notification alerts for account activities

We’ll send you updates to help you manage your account activities.  This might include cashback received from credit card, reminder to update risk profile questionnaire and credit interest for current or saving accounts.  More notifications will be introduced over time to help you keep track of your account activities. 

What's push notification?

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

How to register for push notifications on the HSBC Singapore App?

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 ’

Which accounts will receive notifications?

You will be receiving notifications for all active accounts.

Where will notifications appear?

Notifications may appear:

  • on your locked phone screen
  • in your notification centre
  • as a pop-up message when you use your phone

Some notifications might appear outside bank working hours. You can change how you see notifications in your phone settings.

To find out more,

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

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

How do I turn off push notifications?

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

Can I revisit my push notifications in the HSBC Singapore App?

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.

What notifications would I receive if I turn on push notifications?

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.

Can I delete the push notification from the notification center?

Yes, you can.

To delete the push notification from the notification center, please follow the steps below:

  • Click the 3 dots at the end of the message that you wish to delete. Then you'll see an action menu on the bottom of the page
  • Select 'Delete' from the action menu.

If the message has been deleted successfully, it will be removed from the notification center.

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

Can I retain SMS alerts instead?

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.

Can I remove email notifications?

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

Please allow us 7 working days to process your request.

Can I receive both push notifications and SMS?

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

I have turned on push notifications but I’m still not getting the alerts. Why?

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

Please allow us 7 working days to process your request.

Will I be impacted If I did not turn on push notifications on HSBC Singapore app?

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. 

I don’t remember my notification preferences. How can I check and update my preferences?

  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. 

I don’t remember my transaction alerts threshold limit.  How can I check and update my limit?

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

Please allow us 7 working days to process your request.

Who can I contact for further assistance?

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.

How do I update my email address?

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

Waiting period

Why do I need to wait 12 hours before I can do any high-risk transactions?

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.

What are the high-risk transactions that I cannot perform during the waiting period?

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
  8. Credit cards balance transfer

These are considered high-risk transactions.

Can I request to remove the waiting period or shorten the time?

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

Change contact details

What personal details can I update using my HSBC Singapore app?

You can update your phone numbers (mobile/home/work) and email address using your HSBC Singapore app.

(Read about our 12-hour waiting period)

How can I update my personal details through HSBC Singapore app?

You can follow these quick and easy steps:

  1. Log on to your HSBC Singapore app
  2. In the ‘Home’ screen, tap on the 'Profile' icon on the top right corner of app
  3. In the 'Profile’ screen, tap ‘Update my personal particulars’
  4. In the contact details screen, select the relevant tab to update your details

a. Tap ‘Phone numbers’ to update mobile/home/work numbers

b. Tap ‘Add email address’ to add your email address. This option will only show if no email address was previously registered within your contact details

c. Tap ‘Edit email address’ to edit your existing registered email address

Will the change of my mobile number or email address apply to all my accounts with HSBC?

Yes, the updated mobile number or email address would be applied to all your existing banking and credit card accounts.

To update your contact details for insurance policies with HSBC Life, please contact HSBC Life directly at +65 6880 4888 or https://www.insurance.hsbc.com.sg/contact-us/.

How long does it take for my updated contact details to take effect in HSBC's systems?

Your mobile number and email address for your banking are updated instantly via the HSBC Singapore app. However, credit card accounts will be updated within 2 working days.

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