Help - Open Account Close

Open HSBC Premier Account
Open HSBC Advance Account
Open SmartVantage Account
Open An Investment Services / Securities / Unit Trusts Account

Any Questions?

How do I open an account online?
You can open an account online by going through a simple process. The basic steps are:

Step 1

Select an account that suits your needs by clicking on the respective button

Step 2

Click 'Apply Now' to start

Step 3

Read the Terms and Conditions

Step 4

Complete the application form

Step 5

Click 'Confirm' to submit the application

You will then receive an acknowledgement informing you of the new account number or the status of the application.

I notice that some of my personal information has already been inserted. Can I update these details?
Some of your information is inserted to facilitate your application, save you time and for the sake of security. However, some of the details can be amended. Simply type in the areas where you want to update the information. If you cannot type on certain areas, this means the data is protected for the benefit of your own security.

How can I be sure that my online application is secure?
When you complete and submit the online application form, the information is protected by Secure Sockets Layer (SSL) 128-bit encryption technology to ensure your personal data is kept confidential.

Open HSBC Premier Account

Any Questions?

How long does it take to register for HSBC Premier?
Once you register, an integrated account will be available immediately for your use if your application is submitted within the online business hours -- Mondays to Fridays: 8.30 am to 7.00 pm; Saturdays: 8.30 am to 4.00 pm, including the Investment Services account if you have applied for it simultaneously. For submission after business hours or on public holidays, this will be processed on the next working day at 8.30 am and, under normal circumstances, your HSBC Premier will be in operation before 10.00 am on the same day.

I'm an existing HSBC customer. Am I eligible therefore to register for HSBC Premier through the Bank's online channel?
Yes, you are welcome to register for HSBC Premier online in your sole name if :-

  • you have a sole-named personal bank account with HSBC (credit cards and safe deposit boxes are excluded) and
  • you have a total relationship balance of HKD1,000,000 or above.

Can I register for HSBC Premier in joint names?
You cannot register for HSBC Premier in joint names online as the logon represents your sole identity only. You are welcome to visit any branch of HSBC if you wish to open a joint-name account.

I only hold a joint-name account with HSBC. Am I eligible to register for a sole-name HSBC Premier through the Bank's online channel?
No, you can only register for HSBC Premier online in your sole name if :-

  • you have a personal bank account with HSBC in your sole name (credit cards and safe deposit boxes are excluded); and
  • you have a total relationship balance of HKD1,000,000 or above.

Is there any additional fee for registering for HSBC Premier through the online channel?
No, there is no additional fee for registering for HSBC Premier online. Only the normal service charges apply.

Can I access my HSBC Premier when I am overseas?
Yes. Once you successfully register HSBC Premier online, the system will automatically add this to your account list with HSBC under our online banking system. This means you can manage your finances online with ease -- any time and anywhere in the world, as long as you have an Internet connection.

Is there any difference in service provision to register for HSBC Premier at any branch of HSBC or through the Bank's online channel?
No. Please rest assured that service provision will be the same regardless of the account opening channel.

What if my computer crashes, or I am disconnected from the internet while registering for an HSBC Premier account?
If you submit the account opening application within online business hours -- Mondays to Fridays: 8.30 am to 7.00 pm; Saturdays: 8.30 am to 4.00 pm, please check the 'My bank accounts' section under the 'Banking' tab after logging on to HSBC Internet Banking again. If the new account does not appear, please register again.

If you submit the account opening application after online business hours, please check if you have received email notification by the next working day. Otherwise, please register again.

Where do I collect my automatic teller machine (ATM) card if I click the 'yes' button?
After you click the 'yes' button and have completed the rest of the fields in the 'Basic Services' section, you will automatically move on to the next section of 'Other Instructions'. From here, you can choose your preferred branch for collecting your ATM card.

How can I activate the phonebanking service?
Upon successfully completing this registration process, you will be notified to collect a welcome pack at your chosen branch of HSBC. This welcome pack contains a User's Guide, an ATM card and PIN, phonebanking PIN and cheque book. Simply use the phonebanking PIN and follow the instructions in the User's Guide to easily access our phonebanking services.

Do I need to pay any fee or charge if I apply for the secured credit facility but do not use this service?
There is no additional service fee for your secured credit facility. Charges will only be incurred if you have utilised the secured credit line; the interest is calculated daily based on the amount utilised and is applied monthly to the account.

What does it mean by 'Integrated Current' and 'Integrated Savings'?
'Integrated Current' means the Hong Kong dollar current account to be opened under HSBC Premier.
'Integrated Savings' means the Hong Kong dollar savings account to be opened under HSBC Premier.
You can select either account for which the secured credit facility is to be attached.

Under the title of 'Signature specimen', there is a paragraph saying 'Any subsequent changes to these signatures will need to be applied to the individual accounts'; can you explain this in detail for me?
Under the 'Other Instructions' section, you will notice that you have to select an account that you have previously registered with HSBC as your signature specimen for operating this new HSBC Premier. The paragraph that you mention above is actually a reminder. It tells you that if you change the signature of the selected account in the future, the signature of this new account will not be changed automatically. And, vice versa, if you change the signature of this new account in future, the signature of the selected account again will not be changed automatically.

Can I switch the autopay instructions from my passbook account to this new HSBC Premier?
You can switch your autopay instruction through HSBC Internet Banking. You should first delete the autopay instruction from your existing passbook account and then set it up again in your new HSBC Premier. Upon logging on, click on the 'Banking' tab and select 'Autopay'. which shows your existing autopay instruction(s) in all of your accounts with HSBC. Click on the 'Delete' button to delete the specific autopay instruction from your passbook account. Next, click 'Set up' to set up the same autopay instruction under your new HSBC Premier. Alternatively, you can visit any branch of HSBC and the staff will handle your instructions on the spot.

Please notify the recipient (the party to whom you authorise us to make a payment) about the changes.

Do I need to pay an additional fee for applying for the HSBC Premier credit card?
There is no additional service fee if you apply for the HSBC Premier credit card. You will enjoy a perpetual annual fee waiver on the HSBC Premier primary credit card and all of the additional credit cards by providing the Integrated account number (HSBC Premier).

^All charges are subject to revision without notice. The latest charges are available at branches upon request.

Do I need to bring along any documents to collect the welcome pack?
Yes, when you collect the welcome pack, you are required to bring along an up-to-date identification document and present it to the selected branch of HSBC for verification. The welcome pack contains an ATM card and PIN, phonebanking PIN and cheque book. The Bank reserves the right to request a copy of your identification document if it is deemed necessary.

Will I receive a confirmation letter/email when my registration for HSBC Premier is successful?
If you submit the account opening application within the online business hours -- Mondays to Fridays: 8.30 am to 7.00 pm; Saturdays: 8.30 am to 4.00 pm, you will be notified immediately on the status of the application in the Acknowledgement page. Therefore, no confirmation letter/email will be sent to you again. If you submit the account opening application after online business hours, you will receive an email notification on the next working day following your account application.

When can I operate my HSBC Premier with an Integrated Account after it is opened online?
You can operate it immediately, but foreign exchange and time deposits will only be available on the next working day.

If I am temporarily not able to collect the Premier welcome pack (including the User's Guide, cheque book, ATM card and PIN as well as phonebanking PIN) from my selected branch of HSBC, how long will the Bank keep the welcome pack at the branch that I have selected?
HSBC recommends that you collect the welcome pack as soon as you can, since the welcome pack can provide you with detailed information about the product you have registered for and also the account tools to enable you to access the new account via multiple channels. If you cannot visit your selected branch of HSBC to collect the welcome pack within a reasonable period, say, four weeks, please call the branch concerned to make special arrangements.

When will the welcome pack be available for collection at my selected branch of HSBC after the HSBC Premier is opened?
If you submit your registration during online business hours, the welcome pack will be available immediately after you are notified of the account details and the address of the HSBC branch in the Acknowledgement page. If your submission is after online business hours, your request will be handled on the next working day and the welcome pack will be available after you have received an email notification confirming your new account details. You can only collect your welcome pack during the branch's office hours. Just call the telephone number listed along with your selected branch in the Acknowledgement page to enquire about the opening hours.

What are the benefits of HSBC Premier Credit Card?
Please click 'HSBC Premier Credit Card Application' at the top of the page for details.

What is Hong Kong Jockey Club Cash Voucher Purchase Facility?
If you opt for this function, you will be able to purchase Hong Kong Jockey Club Cash Voucher at the bank's ATM machines. However, USD VISA Gold cardholder cannot enjoy this facility.

How can I know whether my application for HSBC Premier Credit Card is successful?
If your application is successful, a letter will be sent to you for card collection.

How can I check the status of my credit card application?
Please mark down a reference number displayed on screen after you have submitted your application. You may call (852) 2233 3322 for HSBC Premier customers, (852) 2748 8333 for HSBC Advance customers, (852) 2233 3000 for Other Personal Banking customers and quote the reference number to check for the application status.

What is the purpose of embossing the Integrated Account number of my HSBC Premier on to my HSBC Premier credit card?
This is to help you to access the services provided by HSBC Premier, both locally and overseas.

Back

Open HSBC Advance Account

Any Questions?

How long does it take to register for HSBC Advance?
Once you register, an integrated account will be available immediately for your use if your application is submitted within the online business hours -- Mondays to Fridays: 8.30 am to 7.00 pm; Saturdays: 8.30 am to 4.00 pm, including the Investment Services account if you have applied for it simultaneously. For submission after business hours or on public holidays, your application will be processed on the next working day at 8.30 am and, under normal circumstances, your HSBC Advance will be in operation before 10.00 am on the same day.

I'm an existing HSBC customer. Am I eligible therefore to register for HSBC Advance through the Bank's online channel?
Yes, you are welcome to register for HSBC Advance online in your sole name if :-

  • you have a sole-named personal bank account with HSBC (credit cards and safe deposit boxes are excluded) and
  • you have a total relationship balance of HKD200,000 or above.

Can I register for HSBC Advance in joint names?
You cannot register for HSBC Advance in joint names online as the logon represents your sole identity only. You are welcome to visit any branch of HSBC if you wish to open a joint-name account.

I only hold a joint-name account with HSBC. Am I eligible to register for a sole-name HSBC Advance through the Bank's online channel?
No, you can only register for HSBC Advance online in your sole name if :-

  • you have a personal bank account with HSBC in your sole name (credit cards and safe deposit boxes are excluded); and
  • you have a total relationship balance of HKD200,000 or above.

Is there any additional fee for registering for HSBC Advance through the online channel?
No, there is no additional fee for registering for HSBC Advance online. Only the normal service charges apply.

Can I access my HSBC Advance when I am overseas?
Yes. Once you have successfully registered for HSBC Advance online, the system will automatically add this to your account list with HSBC under our online banking system. This means you can manage your finances online with ease -- any time and anywhere in the world, as long as you have an internet connection.

Is there any difference in service provision to register for HSBC Advance at any branch of HSBC or through the Bank's online channel?
No. Please rest assured that service provision will be the same regardless of the account opening channel.

What if my computer crashes, or I am disconnected from the internet while registering for HSBC Advance?
If you submit the account opening application within online business hours -- Mondays to Fridays: 8.30 am to 7.00 pm; Saturdays: 8.30 am to 4.00 pm, please check the 'My bank account' section under the 'Banking' tab after logging on to HSBC Internet Banking again. If the new account does not appear, please register again.

If you submit the account opening application after online business hours, please check if you have received email notification by the next working day. Otherwise, please register again.

Where do I collect my automatic teller machine (ATM) card if I click the 'yes' button?
After you click the 'yes' button and have completed the rest of the fields in the 'Basic Services' section, you will automatically move on to the next section of 'Other Instructions'. From here, you can choose your preferred branch for collecting your ATM card.

How can I activate the phonebanking service?
Upon successfully completing this registration process, you will be notified to collect a welcome pack at your chosen branch of HSBC. This welcome pack contains a User's Guide, an ATM card and PIN, phonebanking PIN and cheque book.. Simply use the phonebanking PIN and follow the instructions in the User's Guide to easily access our phonebanking services.

Do I need to pay any fee or charge if I apply for the secured credit facility but do not use this service?
There is no additional service fee for your secured credit facility. Charges will only be incurred if you have utilised the secured credit line; the interest is calculated daily based on the amount utilised and is applied monthly to the account.

What does it mean by 'Integrated Current' and 'Integrated Savings'?
'Integrated Current' means the Hong Kong dollar current account to be opened under HSBC Advance.
'Integrated Savings' means the Hong Kong dollar savings account to be opened under HSBC Advance.
You can select either account for which the secured credit facility is to be attached.

Under the title of 'Signature specimen', there is a paragraph saying 'Any subsequent changes to these signatures will need to be applied to the individual accounts'; can you explain this in detail for me?
Under the 'Other Instructions' section, you will notice that you have to select an account that you have previously registered with HSBC as your signature specimen for operating this new HSBC Advance. The paragraph that you mention above is actually a reminder. It tells you that if you change the signature of the selected account in the future, the signature of this new account will not be changed automatically. And vice versa, if you change the signature of this new account in future, the signature of the selected account again will not be changed automatically.

Can I switch the autopay instructions from my passbook account to this new HSBC Advance?
You can switch your autopay instruction through HSBC Internet Banking. You should first delete the autopay instruction from your existing passbook account and then set it up again in your new HSBC Advance. Upon logging on, click on the 'Banking' tab and select 'Autopay'. Click on the 'Existing instruction(s)' tab, which shows your existing autopay instruction(s) in all of your accounts with HSBC. Click on the 'Delete' button to delete the specific autopay instruction from your passbook account. Next, set up the same autopay instruction under your new HSBC Advance. Alternatively, you can visit any branch of HSBC and the staff will handle your instructions on the spot.

Please notify the recipient (the party to whom you authorise us to make a payment) about the changes.

Do I need to pay an additional fee for applying the HSBC Advance Visa Platinum Card?
There is no additional service fee if you apply for the HSBC Advance Visa Platinum Card. You will enjoy a perpetual annual fee waiver on the HSBC Advance Visa Platinum Card and all of the additional credit cards by providing the Integrated account number (HSBC Advance).

Do I need to bring along any documents to collect the welcome pack?
Yes, when you collect the welcome pack, you are required to bring along an up-to-date identification document and present this to the selected branch of HSBC for verification. The welcome pack contains an ATM card and PIN, phonebanking PIN and cheque book. The Bank reserves the right to request a copy of your identification document if it is deemed necessary.

Will I receive a confirmation letter/email when my registration for HSBC Advance is successful?
If you submit the account opening application within the online business hours -- Mondays to Fridays: 8.30 am to 7.00 pm; Saturdays: 8.30 am to 4.00 pm, you will be notified immediately on the status of the application in the Acknowledgement page. Therefore, no confirmation letter/email will be sent to you again. If you submit the account opening application after online business hours, you will receive an email notification on the next working day following your account application.

When can I operate my HSBC Advance account after it is opened online?
You can operate immediately, but foreign exchange and time deposit will only be available on the normal working days.

If I am temporarily not able to collect the HSBC Advance welcome pack (including the User's Guide, cheque book, ATM card and PIN, as well as phonebanking PIN) from my selected branch of HSBC, how long will the Bank keep the welcome pack at the branch that I have selected?
HSBC recommends that you collect the welcome pack as soon as you can, since the welcome pack can provide you with detailed information about the product you have registered for, and also the account tools to enable you to access the new account via multiple channels. If you cannot visit your selected branch of HSBC to collect the welcome pack within a reasonable period, say, four weeks, please call the branch concerned to make special arrangements.

When will the welcome pack be available for collection at my selected branch of HSBC after the HSBC Advance Visa Platinum Card is opened?
If you submit your registration during online business hours, the welcome pack will be available immediately after you are notified of the account details and the address of the HSBC branch for collecting the pack in the Acknowledgement page. If your submission is after online business hours, your request will be handled on the next working day and the welcome pack will be available after you have received an email notification confirming your new account details. You can only collect your welcome pack during the branch's office hours. Just call the telephone number listed along with your selected branch in the Acknowledgement page to enquire about the opening hours.

What are the benefits of HSBC Advance Visa Platinum Card?
Please click "HSBC Advance Visa Platinum Card Application" at the top of the page for details.

What is Hong Kong Jockey Club Cash Voucher Purchase Facility?
If you opt for this function, you will be able to purchase Hong Kong Jockey Club Cash Voucher at the bank's ATM machines. However, USD VISA Gold cardholder cannot enjoy this facility.

How can I know whether my application for HSBC Advance Visa Platinum Card is successful?
If your application is successful, a letter will be sent to you for card collection.

How can I check the status of my credit card application?
Please mark down a reference number displayed on screen after you have submitted your application. You may call HSBC Advance Hotline on (852) 2748 8333 and quote the reference number to check the application status.

Back

Open SmartVantage Account

Any Questions?

How long does it take to register for SmartVantage?
Once you register, an integrated account will be available immediately for your use if your application is submitted within the online business hours -- Mondays to Fridays: 8.30 am to 7.00 pm; Saturdays: 8.30 am to 4.00 pm, including the Investment Services account if you have applied for it simultaneously. For submission after business hours or on public holidays, your application will be processed on the next working day at 8.30 am and, under normal circumstances, your SmartVantage will be in operation before 10.00 am on the same day.

I'm an existing HSBC customer. Am I eligible therefore to register for SmartVantage through the Bank's online channel?
Yes, you are welcome to register for SmartVantage online in your sole name if :-

  • you have a sole-named personal bank account with HSBC (credit cards and safe deposit boxes are excluded) and
  • you have a total relationship balance of HKD10,000 or above.

Can I register for SmartVantage in joint names?
You cannot register for SmartVantage in joint names online as the logon represents your sole identity only. You are welcome to visit any branch of HSBC if you wish to open a joint-name account.

I only hold a joint-name account with HSBC. Am I eligible to register for a sole-name SmartVantage through the Bank's online channel?
No, you can only register for SmartVantage online in your sole name if :-

  • you have a personal bank account with HSBC in your sole name (credit cards and safe deposit boxes are excluded); and
  • you have a total relationship balance of HKD10,000 or above.

Is there any additional fee for registering for SmartVantage through the online channel?
No, there is no additional fee for registering for SmartVantage online. Only the normal service charges apply.

Can I access my SmartVantage when I am overseas?
Yes. Once you have successfully registered for SmartVantage online, the system will automatically add this to your account list with HSBC under our online banking system. This means you can manage your finances online with ease -- any time and anywhere in the world, as long as you have an internet connection.

Is there any difference in service provision to register for SmartVantage at any branch of HSBC or through the Bank's online channel?
No. Please rest assured that service provision will be the same regardless of the account opening channel.

What if my computer crashes, or I am disconnected from the internet while registering for SmartVantage?
If you submit the account opening application within online business hours -- Mondays to Fridays: 8.30 am to 7.00 pm; Saturdays: 8.30 am to 4.00 pm, please check the 'My bank account' section under the 'Banking' tab after logging on to HSBC Internet Banking again. If the new account does not appear, please register again.

If you submit the account opening application after online business hours, please check if you have received email notification by the next working day. Otherwise, please register again.

Where do I collect my automatic teller machine (ATM) card if I click the 'yes' button?
After you click the 'yes' button and have completed the rest of the fields in the 'Basic Services' section, you will automatically move on to the next section of 'Other Instructions'. From here, you can choose your preferred branch for collecting your ATM card.

How can I activate the phonebanking service?
Upon successfully completing this registration process, you will be notified to collect a welcome pack at your chosen branch of HSBC. This welcome pack contains a User's Guide, an ATM card with PIN, and a phonebanking PIN. Simply use the phonebanking PIN and follow the instructions in the User's Guide to easily access our phonebanking services.

Do I need to pay any fee or charge if I apply for the secured credit facility but do not use this service?
There is no additional service fee for your secured credit facility. Charges will only be incurred if you have utilised the secured credit line; the interest is calculated daily based on the amount utilised and is applied monthly to the account.

What does it mean by 'Integrated Current' and 'Integrated Savings'?
'Integrated Current' means the Hong Kong dollar current account to be opened under SmartVantage.
'Integrated Savings' means the Hong Kong dollar savings account to be opened under SmartVantage.
You can select either account for which the secured credit facility is to be attached.

Under the title of 'Signature specimen', there is a paragraph saying 'Any subsequent changes to these signatures will need to be applied to the individual accounts'; can you explain this in detail for me?
Under the 'Other Instructions' section, you will notice that you have to select an account that you have previously registered with HSBC as your signature specimen for operating this new SmartVantage. The paragraph that you mention above is actually a reminder. It tells you that if you change the signature of the selected account in the future, the signature of this new account will not be changed automatically. And vice versa, if you change the signature of this new account in future, the signature of the selected account again will not be changed automatically.

Can I switch the autopay instructions from my passbook account to this new SmartVantage?
You can switch your autopay instruction through HSBC Internet Banking. You should first delete the autopay instruction from your existing passbook account and then set it up again in your new SmartVantage. Upon logging on, click on the 'Banking' tab and select 'Autopay'. Click on the 'Existing instruction(s)' tab, which shows your existing autopay instruction(s) in all of your accounts with HSBC. Click on the 'Delete' button to delete the specific autopay instruction from your passbook account. Next, set up the same autopay instruction under your new SmartVantage. Alternatively, you can visit any branch of HSBC and the staff will handle your instructions on the spot.

Please notify the recipient (the party to whom you authorise us to make a payment) about the changes.

Do I need to bring along any documents to collect the welcome pack?
Yes, when you collect the welcome pack, you are required to bring along an up-to-date identification document and present this to the selected branch of HSBC for verification. The welcome pack contains an ATM card with PIN, and a phonebanking PIN. The Bank reserves the right to request a copy of your identification document if it is deemed necessary.

Will I receive a confirmation letter/email when my registration for SmartVantage is successful?
If you submit the account opening application within the online business hours -- Mondays to Fridays: 8.30 am to 7.00 pm; Saturdays: 8.30 am to 4.00 pm, you will be notified immediately on the status of the application in the Acknowledgement page. Therefore, no confirmation letter/email will be sent to you again. If you submit the account opening application after online business hours, you will receive an email notification on the next working day following your account application.

When can I operate my SmartVantage account after it is opened online?
You can operate immediately, but foreign exchange and time deposit will only be available on the normal working days.

If I am temporarily not able to collect the SmartVantage welcome pack (including the User's Guide, cheque book, ATM card with PIN, as well as phonebanking PIN) from my selected branch of HSBC, how long will the Bank keep the welcome pack at the branch that I have selected?
HSBC recommends that you collect the welcome pack as soon as you can, since the welcome pack can provide you with detailed information about the product you have registered for, and also the account tools to enable you to access the new account via multiple channels. If you cannot visit your selected branch of HSBC to collect the welcome pack within a reasonable period, say, four weeks, please call the branch concerned to make special arrangements.

When will the welcome pack be available for collection at my selected branch of HSBC after the SmartVantage is opened?
If you submit your registration during online business hours, the welcome pack will be available immediately after you are notified of the account details and the address of the HSBC branch for collecting the pack in the Acknowledgement page. If your submission is after online business hours, your request will be handled on the next working day and the welcome pack will be available after you have received an email notification confirming your new account details. You can only collect your welcome pack during the branch's office hours. Just call the telephone number listed along with your selected branch in the Acknowledgement page to enquire about the opening hours.

How can I apply for cheque book?
You can apply for your cheque book by clicking "Cheque Book Reorder" hyperlink provided in the acknowledgement slip after your account application; or you can apply for your cheque book at "Request for Cheque Book" under "Maintain My Details" at "My HSBC" page at HSBC Internet Banking; or you can visit any HSBC branch for cheque book ordering.

Back

Open An Investment Services / Securities / Unit Trusts Account

Any Questions?

How long does it take to open my Investment Services/Securities/Unit Trust account?
If you submit your account opening application within our online account opening business hours (Mondays to Fridays: 8.30 am to 7.00 pm; Saturdays: 8.30 am to 4.00 pm), the new account can be used immediately after successful completion of the application process. For local securities trading, you can start placing orders within around 30 minutes after your account opening application is successfully processed. If you submit your application after our online account opening business hours, you will receive an e-mail notification the next working day concerning your account application.

I am an existing HSBC customer. Why can't I open an Investment Services/Securities/Unit Trust account via HSBC Internet Banking, but must open the account at a Bank branch?
The Bank has to obtain up-to-date identification documents from customers to process the Investment Services/Securities/Unit Trust account opening application. Therefore you will need to bring the documents to any HSBC branch for the account opening application to be processed.

Can I open a joint name Investment Services/Securities/Unit Trust account?
To open a joint name Investment Services/Securities/Unit Trust account, you are required to visit any HSBC branch to submit your application. Please note: customers with a joint name Investment Services/Securities/Unit Trust account where both must sign are not allowed to trade stock online.

I work for the US/Canadian Embassy or the US/Canadian military. Why can't I apply for an Investment Services/Securities/Unit Trust account?
In compliance with US/Canadian securities dealing restrictions, the Bank does not open accounts for securities and unit trust trading services to any customers who are US/Canadian nationals, and/or either working for the US/Canadian Embassy in Hong Kong, or who are in the US/Canadian military service.

I have provided a US/Canada address in my application, but my application has been rejected. Why?
In compliance with US/Canadian securities dealing restrictions, the Bank no longer opens securities and unit trust trading accounts for customers residing, or with correspondence addresses, in the US or Canada, with effect from 1 March 2002.

If I subsequently change my address to US/Canada, will it affect my account's securities and unit trust trading services?
Yes. In compliance with US/Canadian securities dealing restrictions, the Bank no longer offers securities and unit trust trading service to customers residing, or with correspondence addresses, in the US or Canada, with effect from 1 March 2002.

I am currently employed by a Securities and Futures Commission (SFC) licensed or registered person to carry out regulated activities as defined in the Securities and Futures Ordinance (SFO). Why can't I open an Investment Services/Securities/Unit Trust account via HSBC Internet Banking?
Under paragraph 12.2I of the Code of Conduct for Persons Licensed by or Registered with the SFC, a licensed or registered person should not knowingly deal in securities or futures for another licensed or registered person's employee unless he/she has received written consent from that licensed or registered person.

If you are employed as an SFC licensed or registered person to conduct regulated activities under the SFO, you are required to bring a written consent letter from your employer to any HSBC branch for Investment Services/ Securities/Unit Trust account opening.

The following are SFO regulated activities:

Type 1:

dealing in securities

Type 2:

dealing in futures contracts

Type 3:

leveraged foreign exchange trading

Type 4:

advising on securities

Type 5:

advising on futures contracts

Type 6:

advising on corporate finance

Type 7:

providing automated trading services

Type 8:

securities margin financing

Type 9:

asset management

What is my settlement account for handling charges and payment?
Either your Hong Kong Dollar Savings account or Current account can be selected as your settlement account.

Am I allowed to have my secured overdraft facility set up for another account maintained in HSBC?
You are only allowed to have the secured overdraft facility set up for your settlement account.

Is there any charge if I open an Investment Services/Securities/Unit Trust account, but do not trade?
You are not required to pay any charge when opening an Investment Services/Securities/Unit Trust account.

Customers who do not have a securities transaction record or securities holding in the 1-month period on or before the 1st of the following month, no safe custody service charge will be imposed on the account. If you close the account and you do not have a securities transaction record or securities holding in the period from the last payment date to the date of account closure, no safe custody service charge will be imposed.

For full details of the local securities charges, please refer to our local securities tariff table.

For unit trusts, no account charges will be imposed.

If I have an Investment Services account, can I open another Securities or Unit Trust account with HSBC?
We encourage our customers to consolidate their accounts, including their investment portfolio, with HSBC.

If you already have an Investment Services account and would like to open an additional Securities or Unit Trust account, you may open such an account at any HSBC branch.

Can the statements of my Settlement and Investment Services/Securities/Unit Trust accounts be sent to two different addresses?
No, you are required to maintain the same correspondence address for the settlement and Investment Services/Securities/Unit Trust account.

What account statements will I receive for this account?
You will receive a contract note within two business days once the transaction has been executed.

On a monthly basis (from the date you open this account), the Bank will send out a composite statement on this account giving your investment portfolio details, transaction summary and charges and income summary.

If you do not have any holdings, transactions, or charges and income during the monthly period, no composite statement will be sent to you.

Can I change my monthly statement cycle to another period?
According to the Securities and Futures Ordinance (Contract Notes, Statements of Account and Receipts) Rules, the Bank is required to provide customers with monthly statements for each period of four weeks or one calendar month.

If you would like to receive more frequent statements, you may visit our HSBC Internet Banking to view your account status, any time, free of charge.

Can I set up "Power of Attorney" under this account?
Yes. Customers can sign a "Letter of Delegation" at any HSBC branch.

What are the services I can enjoy after opening a Unit Trust account?
A Unit Trust account allows you to trade different types of unit trusts managed by various professional fund managers through branches, HSBC Internet Banking and phonebanking. You can also set up a monthly investment plan.

My nationality is US. Can I open a Unit Trust account?
Most unit trust offering documents are not registered in the US, and hence the funds are not offered for sale to US citizens.

Are there any restrictions on unit trust trading?
Yes. If you are a US national or a resident in the US/Canada, we cannot provide you with unit trust trading services. If you are a national or resident of countries other than Hong Kong, the US or Canada, you should refer to individual fund offering documents for more information on dealing restrictions.

What are the services I can enjoy after opening a Securities account?
A Securities account allows you to trade local stocks, bonds and certificates of deposit. You can choose to settle your account through any savings or current account with HSBC. You can also set up a monthly investment plan and subscribe to IPOs.

What are the services I can enjoy after opening an Investment Services account for HSBC Premier, HSBC Advance or SmartVantage?
HSBC Premier, HSBC Advance and SmartVantage integrated services packages come with an Investment Services account enabling you to trade local stocks and unit trusts through HSBC Internet Banking and phonebanking. You can also purchase bonds and certificates of deposit, set up a monthly investment plan, and subscribe to initial public offerings (IPOs).

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