Card support

 


Access your money worldwide

Whether you're using your HSBC Debit Card or Credit Card, it's easy to access and control your money at home or abroad.


Non-Sterling transactions


We've made some changes to how
we present non-Sterling transactions
on statements

Find out more

Make the most of your card in the UK

Pay for goods in shops and restaurants

Enjoy the convenience of using your debit or Credit Card in any outlet that displays the logo on your card (eg. VISA).

Withdraw up to £100 cashback using your Debit Card

When you pay with your debit card, many shops, supermarkets and other retailers offer an up to £100 cash back service.

Shop safely online

When you buy goods and services online your debit or credit card, make your payments even more secure by registering with:

Cash withdrawals

Debit card customers can withdraw cash from any HSBC cash machine, without incurring a transaction fee.

Credit card customers will be charged a cash advance fee. Also please bear in mind that unlike purchases, interest is charged from the date transactions are applied to your account until payment is received. See more about credit card fees.

Be aware that non-HSBC cash machines may charge a transaction fee, which will be advised on-screen at the time of withdrawal.

ATM withdrawal limits are applicable.

Make the most of your card worldwide

Pay for goods in shops and restaurants

Enjoy the convenience of using your debit or credit card in any outlet that displays the logo on your card. Fees apply. See more about debit card fees and credit card fees.

Withdraw local currency

Whether you're away on business or on holiday, you can use your debit or credit card at cash machines abroad whenever you need extra local currency. Fees apply and non-HSBC cash machines may also charge a fee. See more about debit card fees and credit card fees.

ATM Locator

Find out more information on where you are able to use your visa debit or credit card abroad.

Tell us you're travelling

We automatically monitor accounts for unusual foreign transactions, so let us know before you travel abroad. It only takes a few minutes to set up and it'll reduce the chance of us declining a holiday transaction on your debit or credit card.

  • Log-on to Internet Banking and click 'going abroad'
  • Call Customer Services on 08457 404 404

Please note, if you have a joint current account you both need to notify us when using the Internet Banking option.

For credit cards, only the primary cardholder needs to give us travel notifications.

Debit Card fees abroad

Purchases Withdrawals
HSBC Premier

Find out more
Non-Sterling transaction fee 2.75% Non-Sterling transaction fee 2.75%
HSBC Advance

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Non-Sterling transaction fee 2.75% Non-Sterling transaction fee 2.75%
Other HSBC Accounts

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Non-Sterling transaction fee 2.75% Cash Fee 2% (Minimum £1.75, maximum £5.00)

Non-Sterling transaction fee 2.75%

Credit card fees abroad

Purchases Withdrawals
HSBC Credit Card

Find out more
Non-Sterling transaction fee 2.99% Cash Fee 2.99% (minimum £3.00)

Non-Sterling transaction fee 2.99%
HSBC Premier Credit Card

Find out more
Non-Sterling transaction fee 2.99% Cash Fee 2.99% (minimum £3.00)

Non-Sterling transaction fee 2.99%
HSBC Student Credit Card

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Non-Sterling transaction fee 2.99% Cash Fee 2.99% (minimum £3.00)

Non-Sterling transaction fee 2.99%

Any non Sterling transactions (including cash withdrawals) are converted to Sterling by using the relevant payment scheme exchange rate applying on the day the conversion is made.

We will deduct the payment and related transaction fees from your account once we receive details of the payment from the card scheme, at the latest the next working day.

See more information on the rate of exchange Visa used when converting your transaction.

Cost illustration of making a non-Sterling transaction of €100.00 using the Visa exchange rate on 2 June 2014 of  0.1.227599 = £81.45 to which will be added the fees appropriate to your card and transaction as per the tables below:

Visa Debit Card Purchases ATM Withdrawal
Bank Account
Non-Sterling transaction fee

Cash Fee
£2.24


N/A
£2.24


£1.75
HSBC Advance & HSBC Premier
Non-Sterling transaction fee

Cash Fee
£2.24


N/A
£2.24


N/A
Visa Credit Card
HSBC Credit Card & HSBC Student Credit Card
Non-Sterling transaction fee

Cash fee
£2.44


N/A
£2.44


£3.00

See more information on the rate of exchange MasterCard used when converting your transaction.

Cost illustration of making a non-Sterling transaction of €100.00 using the MasterCard exchange rate on 2 June 2014 of 1.229223 = £81.35 to which will be added the fees appropriate to your card and transaction as per the tables below:

MasterCard Credit Card
HSBC Premier Credit Card
Non-Sterling transaction fee

Cash fee
£2.43


N/A
£2.43


£3.00

You receive up to 56 days interest-free credit on credit card purchases if you pay your whole balance in full and on time.

Please be aware that interest is charged from the date transactions are applied to your account until payment is received. There is no interest-free period on Cash Advances.

Some cash machine operators may apply a direct charge for withdrawals from their cash machines and this will be advised on-screen at the time of withdrawal.

ATM withdrawal limits are applicable

You can use your card to make non-Sterling cash withdrawals from self service machines operated by a third party and agree that the third party will perform the currency conversion for you. The applicable exchange rate, the amount of cash you will receive and the amount in Sterling will be shown on the screen. The amount in Sterling will be deducted from your account balance when we receive details of the payment from the self service machine operator, at the latest the next working day

Make Low Value Payments with just the tap of your Card

You can use your Contactless Debit Card to make low value payments (of up to £20) at any retailers that accept Contactless – just look for the logo Contactless Sign.

No need to carry around cash

Rather than having to search for loose change – you can simply tap your card at retailers to pay for coffee, newspapers, sandwiches and all manner of low value items at participating retailers.

Where can I get more information about Contactless?

Find out more information on Contactless and where to use it.

Contactless with Transport for London

Contactless Payment

Contactless customers can now use their card to pay for bus travel in and around London

Since December 2012, London’s bus network has accepted contactless cards. This means you are now able to use your contactless card to pay for single fare journeys.

The cost of the journey will be no different from the current pay as you go Oyster fare, except daily capping will not apply. Full details can be found at the following Transport for London website;

www.tfl.gov.uk

Please note that Transport for London's (TfL) Conditions of Carriage will apply when using your contactless card to pay for a bus journey. When you hold your contactless card on the yellow card reader and it is accepted, you are giving your authorisation for the cost of a single pay as you go bus journey to be taken from your card account.

Using your card on other transport methods

TfL's current plans will be to accept contactless cards on the Underground, Overground, DLR and Tram in the future.

Help and support

If you have any queries concerning how much you have paid for your journey or your journey experience you should contact TfL in the first instance on 0843 222 1234 or visit www.tfl.gov.uk



General



Q. How does contactless work on the bus?

A. The majority of London buses now have contactless payment terminals. You should take the contactless card you wish to use to pay for your journey out of your wallet and hold it against the payment terminal on the bus until you see a green light and hear a single beep- this shows that the card has been validated (read successfully) for travel and is your authorisation for the fare to be deducted from your card account. If you see a red light and hear two beeps, the card has not been validated and you should try again. If this second attempt is unsuccessful, you should use an alternative way to pay for your journey. You can contact us to discuss why the card has not been validated.

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Q. What if I have more than one contactless/Oyster Card in my wallet?

A. It is important that you only hold the card you wish to use to pay for your journey against the reader. If more than one card is presented (for example because you hold a wallet with more than one card in it against the reader), the reader should show 'Multiple Cards' and the transaction should be declined.

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Q. How much will I be charged?

A. The cost for using your contactless card is the same as using a pay as you go Oyster card. Bus fares are published at www.tfl.gov.uk and you should check the price of your journey before you travel.

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Q. Will the bus fares be subject to the daily 'capping' system applied to Oyster cards?

A. At the moment, contactless cards can only be used to pay for single bus journeys and a daily price cap (maximum amount that will be charged for travel within a day regardless of the number of journeys undertaken) will not be applied. Unlike Oyster, you cannot currently add a Travelcard or Season Pass to a contactless card.

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Q. Can one card be used to pay for more than one person travelling on the same bus journey?

A. Unfortunately not.  You can only pay for one person per journey per contactless card.

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Q. Will I be able to see details of the journeys that I have paid for using my contactless card?

A. No. The bus transactions will show on your card account statement as a normal retail transaction. You will be able to identify it by the words ‘TFL BUS’ on your statement, as well as the contactless ')))' symbol. The fare for each journey will be shown as a separate debit on your account.

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Q. Can I use my contactless card to pay for my tube journey?

A. At the moment, contactless cards can only be used to pay for single bus journeys. In the future, you may be able to pay for other TfL services with your contactless card.

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When travelling


Q. What if the bus I am travelling on breaks down and I have to get off?

A. You should have received a ‘Bus Transfer Slip’ from the driver of the first bus, which should have allowed you to board a subsequent bus. If this did not occur and you had to pay a second time to reach your original destination, you will need to contact TfL to request a refund for this journey on 0843 222 1234 or visit www.tfl.gov.uk

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Q. Why will the Revenue (Ticket) Inspector on the bus ask to see my contactless card?

A. Normally a Revenue Inspector would scan your Oyster card or ask to see your ticket to check that you have paid for your journey. Contactless cards need to be shown to the Inspector so that he/she can check the last 4 digits of the card number and the expiry date against the paper print out he/she has. You will not need to hold your card against the Inspector’s card reader and the Inspector should not take hold of your card- he/she just needs to check the details.

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Q. I tapped my wallet on the bus reader, wishing to pay using my Season Pass, but the bus fare has been deducted from my contactless card account, meaning I have paid for my journey twice.

A. You should contact TfL on 0843 222 1234 or visit www.tfl.gov.uk . It is important that you take the contactless card you wish to use to pay for your journey out of your wallet and present only one card to the reader in future.

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Q. I thought I had validated my contactless card correctly but the Revenue Inspector has said that the card was not validated. I have been charged a Penalty Fare and wish to dispute it.

A. TfL Revenue Inspectors will check that you have validated your card for travel. If you have not, TfL will charge a Penalty Fare. It is your responsibility to ensure that your card is correctly validated. (You can do this by making sure that you see a green light and hear a beep when you present your card to the reader. You can also ask the bus driver if you have any queries.) TfL has an appeals process for Penalty Fare notices and if you wish to appeal, you should contact TfL on 0843 222 1234.

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Do you have a question?





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