HSBC Singapore App FAQs

• Getting started
• Using the app
• Guides for using the app
• Protecting you from malware scams
• Singpass Face Verification
• Money Lock
• eStatements
• Activating cards
• Balance transfer
• Changing your phone
• Biometric log-on
• Pay Now
• Scan and Pay
• Money transfers and add payees
• Manage transfer limits
• Recurring and future-dated local transfers
• Cut-off Time
  
• Foreign Exchange
• Pay Bill
  
• HSBC Spend Instalment
  
• Mobile Chat
  
• In-app Authentication for online purchases
• Block/unblock debit card
• Block/unblock credit card
• Increase credit limit
  
• Push Notification alert for account activities
• Waiting period
• Change contact details
• Lost/stolen card reporting
• Credit card rewards

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.

Singpass Face Verification is a method of verifying your identity using a face scan compared against the government's records. It is used to complement existing authentication methods for digital token set up for higher risk or unusual scenarios. 

If you are unable to successfully complete the facial verification after 5 attempts, we recommend that you wait for 30 minutes before trying again.

Individuals who no longer resemble their NRIC or passport photograph can apply for a replacement of their NRIC or passport with the Immigration & Checkpoints Authority (ICA). This ensures that the Government’s biometric database of facial images remains up to date.

There may be several possible reasons for this. For ways to improve the success of Face Verification, you should ensure that:

1. Your face is not covered.
2. You keep still while scanning is in progress.
3. There is no strong lighting in the background.
4. Your environment is not too dark.
5. You use a minimum resolution of 2 megapixels for the camera.
6. Your NRIC / passport photo image is up to date.

For banks enrolled in the use of Singpass Face Verification, you may be required to perform the authentication for higher risk or unusual scenarios as an additional means to guard against unauthorised set up of your digital token.

Banks do not collect or store the biometric data during the use of Singpass Face Verification.

Your facial data is collected by Singpass and used for purposes such as authenticating your identity.

Unless prohibited by law, facial data may be:

• captured by relying parties approved by Singpass to use Singpass Face Verification;
• shared with Singpass’s service providers in connection with the provision of Singpass Face Verification to you; or
• shared with government agencies to serve you in the most efficient and effective way or for the discharge of public functions.

Facial data is retained to analyse and improve Singpass Face Verification. This data retained is encrypted when stored and protected with tamper-evident logging. Data that is no longer required is deleted, unless there is a legal requirement to retain such data.

For more information on Singpass Face Verification, please visit: https://ask.gov.sg/singpass.

There are stringent security measures in place to protect users’ personal information. For example, facial data that is retained is encrypted when stored and protected with tamper-evident logging.

For more information on Singpass Face Verification, please visit: https://ask.gov.sg/singpass. If you need further assistance regarding your Singpass account, please get in touch with Singpass at: https://go.gov.sg/singpass-feedback-issue.

Customers will receive SMS and email notifications only after successfully setting up the Digital Secure Key in the HSBC Singapore app. No separate notification from the bank will be sent upon the completion of Singpass Face Verification.

There is no alternate way to set up the app. Singpass Face Verification is designed to protect customers from scammers attempting to set up a new device on their account. To register for a Singpass account, please download the Singpass app from the relevant App store.

Money Lock is our new anti-scam feature which adds an extra layer of security to your current and savings accounts.

This feature safely locks your funds while it continues to earn interest where applicable.

To lock funds:

1. Log on to the HSBC Singapore app
   
2. On the Home screen, go to 'Products and services', and select 'Money Lock'
3. Select the current and/or savings account you want to secure
4. Enter the total lock amount
5. Read through the important information and confirm

Repeat these steps to lock funds in all eligible current and/or savings accounts, including all Everyday Global Accounts in local and foreign currencies.

The minimum lock amount is 10 of the account's currency, and the maximum lock amount is the account's total available balance, which includes your overdraft limit (if any).

Any scheduled payments / GIRO from your account which exceeds the available balance in your account after your money has been locked will be rejected and may incur charges.

If your account is overdrawn or exceeds the agreed overdraft limit, you'll be responsible for any overdraft, advance or credit. You may also need to pay any interest, fees and/or charges. For such fees and charges, please refer to your account’s Terms and Conditions.

Make sure your email is registered with us as Money Lock notifications will be sent via email only.

Please note that you cannot unlock your funds via the app.

Locked funds will be inaccessible for withdrawals, payments, or transfers, both locally and overseas.

This includes:

• Transfers to another HSBC account
• Transfers to another bank's account
• Payments (e.g. bills, credit card, loans and tax)
• New or existing payment arrangements (e.g. GIRO, standing instructions, future-dated transactions)
• Fixed deposit placements
• Investments or insurance placements
• ATM withdrawals and transfers
• Account fees and charges

Remember to maintain sufficient available balance for recurring and near-term expenses. 

Any scheduled payments including GIRO that exceed your available balance will be rejected and may incur fees and charges.

If your account is overdrawn or exceeds the agreed overdraft limit, you'll be responsible for any overdraft, advance or credit. You may also need to pay any interest, fees and/or charges. For such fees and charges, please refer to your account’s Terms and Conditions.

• You may use Money Lock on all HSBC Singapore current and savings accounts which have access to online and/or mobile banking.
• This includes accounts denominated in local and foreign currencies, and operated on a joint-alternate basis.
• Funds cannot be locked on Time Deposit accounts.

Please note, funds can be locked via the HSBC Singapore app only.

If you need support with using the app, you can:

• Contact your relationship manager
• Chat with our customer support team
• Call our hotline
• Visit any HSBC Singapore branch

Singapore

To unlock some or all of your funds, please visit any HSBC Singapore branch and provide your physical NRIC / FIN / Passport for identity verification.

Upon successful verification, your funds will be available immediately.

Customers with enhanced care needs can unlock funds through the overseas unlocking process.

Overseas

If you're overseas, please contact your relationship manager, call the hotline or chat with us to make an unlock request.

Please note, we follow a strict verification process and may request for proof of your overseas status. We'll arrange a video call back within 4 business days.

If you've changed your contact details, please wait for 5 calendar days before making an unlock request.

Let’s explain this with an example. 

On 1 January 2024, a customer has: 

• Available balance: $9,000 
• Ledger balance: $1,000
• Total hold (including Money Lock funds): $0 
• Overdraft: $0 
• Overdraft limit: $8,000 

They lock $3000 via Money Lock: 

• Available balance: $6,000 [Reduced by $3000]
  
• Ledger balance: $1,000
• Total hold (including Money Lock funds): $3000 [Increased by $3000]
• Overdraft: $0 
• Overdraft limit: $8,000 

Once the funds are locked, the customer makes a payment / transfer of $4,000: 

• Available balance: $2,000 
  
• Ledger balance: -$3,000  [Reduced by $4000]
• Total hold (including Money Lock funds): $3000 
• Overdraft: $3000  [Increased by $3000]
• Overdraft limit: $8,000 

The customer will incur overdraft interest on the overdraft of $3000 as she has insufficient money in her ledger balance and will draw down from overdraft.

To lock more funds in an account with existing locked funds:

• Log on to your HSBC Singapore app
  
• On the Home screen, go to 'Products and services', and select 'Money Lock'
• Enter the total amount you want to lock

If you have multiple current and/or savings accounts, you can lock funds on all accounts via the app.

You cannot unlock a part of your funds via the app.

To unlock a part of your Money Lock funds:

• Unlock all your funds
  
• Lock the new amount via the HSBC Singapore app

Singapore

To unlock some or all of your funds, please visit any HSBC Singapore branch and provide your physical NRIC / FIN / Passport for identity verification.

Upon successful verification, your funds will be available immediately.

Customers with enhanced care needs can unlock funds through the overseas unlocking process.

Overseas

If you're overseas, please contact your relationship manager, call the hotline or chat with us to make an unlock request.

Please note, we follow a strict verification process and may request for proof of your overseas status. We'll arrange a video call back within 4 business days.

If you've changed your contact details, please wait for 5 calendar days before making an unlock request. 

Before locking your funds, remember to maintain sufficient available balance for recurring and near-term expenses as locked funds will be inaccessible for withdrawals, payments, and transfers, both locally and overseas.

This includes:

• Transfers to another HSBC account
• Transfers to another bank's account
• Payments (e.g. bills, credit card, loans and tax)
• New or existing payment arrangements (e.g. GIRO, standing instructions, future-dated transactions)
• Fixed Deposit placements
• Investments or Insurance placements
• ATM withdrawals & transfers
• Account fees & charges.

Any scheduled payments including GIRO that exceed your available balance will be rejected and may incur fees and charges.

If your account is overdrawn or exceeds the agreed overdraft limit, you'll be responsible for any overdraft, advance or credit. You may also need to pay any interest, fees and/or charges. For such fees and charges, please refer to your account’s Terms and Conditions.

The minimum amount you can lock is 10 of the account's currency, i.e. 10 SGD, AUD, CAD, CHF, CNY, EUR, GBP, HKD, JPY, NZD, USD.

The minimum lock amount is visible on the money lock page when you perform the transaction.

The maximum amount you can lock is your account's total available balance, which includes your overdraft limit (if any).

To view the amount locked using Money Lock

1. Log on to your HSBC Singapore app
2. On the Home page, select your current or savings account
3. On the account details page, swipe down to view your locked funds under 'Money Lock funds'

The amount under Total Hold also includes your Money Lock funds.

'Total Hold' represents the funds committed but not deducted from your account yet. 

The amount locked via Money Lock will not be visible in your account statement.

Please use the HSBC Singapore app to lock funds.

If you require assistance with using the app, you can:

• Contact your relationship manager
• Chat with our customer support team
• Call our hotline
• Visit any HSBC Singapore branch

Locked funds are part of the account's deposit balance.

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation for up to SGD100,000 in aggregate per depositor per scheme member by law.

Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

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'.

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 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

• 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 adjust your daily transfer limits based on your needs. 

To manage your daily transfer limits through HSBC Singapore app follow the below steps:

1. Log on to the HSBC Singapore app.
2. Tap on Pay and transfer.
3. Tap on Manage transfer limits in More actions section.
4. Select from Own account, Payee's account or Bill Payments to change daily limit for respective account payments and transfers.
5. Enter your desired limit. 
6. Tap on Change Limit to confirm.

Reducing your daily limit may affect your existing instructions with amounts above your new daily limit. Please also check that your future payment and transfer amount do not exceed this new limit.

Important note

Before changing your daily transaction limits, consider the implications. Increasing the limits allows more money to be sent out, but it also increases the risk if your login credentials are compromised. Please consider reducing the limits after making a payment.

While there's no specific limit on the number of transactions, they are subject to the daily transfer limits you've set. You can view and manage your transactions in the HSBC Singapore app to stay informed.

Changes to your payment limits will take effect immediately. 

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.

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: 

• over 50 countries/territories like a local (i.e. Send like a local)
• China via UnionPay cards issued in Mainland China (only from non-RMB account)
• over 200 countries/territories via SWIFT
• other third-party HSBC accounts instantly*

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).

*Foreign exchange transactions involving the following currencies: Bermudian Dollar, Egyptian Pound, Qatari Riyal, Indonesian Rupiah, Sri Lankan Rupee, Malaysian Ringgit, Vietnamese Dong and Philippine Peso may not be processed instantly over the weekend and public holidays.

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 initiate a chat outside of working hours, our virtual assistant YAS will be available to answer your queries. If you need further assistance or have any specific account-related enquiries, please chat with our chat agents during our online hours daily (from 9:00 to 21:00) at your convenience.

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.

Click here for more information.

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.

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

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

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.

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

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, you can permanently block your credit card and request for a replacement card via HSBC Singapore App or call us for assistance.

• 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.

If you suspect that your credit card details have been compromised, please report your card as lost/stolen via HSBC Singapore app or call us for assistance immediately.

Learn about how to report an unauthorised transaction.  

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 transactions

From Nov 2024, we will be replacing SMS transaction alerts with push notifications for your credit card transactions.

We recommend enabling push notifications on your HSBC Singapore app so that you can start receiving credit card transaction alerts in a secure and timely manner.

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.

Click here for more information.

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
8. Credit cards balance transfer

These are considered high-risk transactions.

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

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

(Read about our 12-hour waiting period)

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

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/.

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.

To report your lost or stolen debt/credit card in the app, follow these steps:

• Go to Support tab
• Tap on ‘Report lost or stolen card’
• Select the card(s) you want to report
• Tap on ‘Continue’
• Review the details on page and to proceed, tap on ‘Block and replace card’

Your card/s will be immediately blocked and new cards will be issued to you. 

If the delivery address reflected on HSBC Singapore app is not correct then please temporarily block your cards on the app and submit your updated address via HSBC Online Banking. After your address has been updated, you can continue to submit the lost/stolen card request on the app or by calling us.

To view/redeem your consolidated credit cards reward points, follow the below mentioned steps after logging on to the app. 

• At the 'Home' page, scroll down to 'Products & services'
• Tap on ‘Credit cards rewards’ 

Alternatively,  

• At the 'Home' page, select your Credit card 
• Tap on 'View more'
• Tap on 'Redeem your points'

Find out more about rewards redemption.