PRODUCTS AT A GLANCE

Savings	Payments	Business Card
Current	Commercial Insurance	Loans and Finance
Time Deposits	Investments	Trade and Supply Chain

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INTEGRATED ACCOUNT SERVICES


With one single account number, HSBC Business Direct combines a range of deposit and investment ¹ accounts so that you can effectively manage your company's finances:

• Hong Kong Dollar Savings
• Hong Kong Dollar Current
• Foreign currency savings available in 11 currencies – including Renminbi (RMB), US dollar (USD), Euro (EUR), pound sterling (GBP), Australian dollar (AUD), New Zealand dollar (NZD), Japanese yen (JPY), Canadian dollar (CAD), Singapore dollar (SGD), Swiss franc (CHF) and Thai baht (THB)
• Time Deposits
• Investments ¹

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DIRECT CHANNEL SERVICES


Business Internet Banking

Manage your accounts and finances 24 hours a day, 7 days a week. Key features include:

• Check account balances and transaction history
• Download account statements into a Microsoft Excel file format
• Make fund transfers, local payments and telegraphic transfers
• Check the status of issued cheques
• Buy and sell foreign currencies at pre-set exchange rates, amounts and dates; or enquire real-time exchange rates
• Perform trade transactions
• Place time deposits
• Manage investment¹ portfolios

For more details, please click here.

Business Debit Card

• Access to cash and more through Automated Teller Machines (ATMs) via the HSBC, Hang Seng Bank as well as UnionPay networks for your day-to-day banking needs
• Covers more than 1.1million ATMs worldwide and over 120,000 UnionPay ATMs in mainland China
• Enjoy purchase convenience by debiting your account automatically through the EPS networks or UnionPay
• Enjoy discount offers at selective UnionPay accepting merchants

Additionally, Company ATM Card and Company Deposit Card with specialised features are available.


Mobile banking service*

An additional new channel for you to access basic account information, just when you need it most. For simplicity and peace of mind, you can access this service using your existing Business Internet Banking login credentials.

• Account balance enquiry - view account balance and account details
• Account details - account limits, ledger balances, total holdings and available balances in any selected account
• Transaction history - view details of transactions since last statement cut-off date
• Third-party payments - payment to registered beneficiaries in Hong Kong
• Stock trading - buy and sell local stocks
• Bill payment - pay bills of registered merchants
• Authorisation - authorise fund transfer and bill payment instructions prepared by other users
• Rates enquiry - enquire latest exchange rates and time deposit interest rates

For more details, please click here.

FREE SMS/Email alerts

Our BizAlert service enables you to receive a range of email and/or SMS alerts.

FREE BizAlerts:

• Account overdrawn - alerts you when your account has overdrawn its available balance
• Inward payments - enables you to monitor all inward payments credited to your account
• HKD cheque return - notifies you when a HKD cheque deposited into your account has been returned
• Investment order confirmation - notifies you when a stock purchase or sale orders has been executed
• ForEx switching - notifies you when your ForEx switching instruction has been executed
• Special offers - alerts you about our special product or service offers
  

Click here for more information on BizAlerts. 


Self Service Banking

• Easy access to your account through our extensive network of over 1,300 self-service banking machines in Hong Kong and a global network of over 1.1million ATMs.

For more details, please click here.

Business Phonebanking

• 24-hour automated phonebanking services for account enquiries and transactions
  

For more details, please click here.

PAYMENT SERVICES


With Business Internet Banking, you will be able to enjoy:

• Extended cut-off time
• Online value added services, including Real-Time Exchange Rate, SMS/email payment notifications
• Competitive rates for remittance charges
• Same day crediting of funds to HSBC in mainland China and Taiwan, and the Bank of Communications in over 90 cities across mainland China ²
• Fee waived for Chinese character input

Click here to find out more about our complete integrated payment solutions

CREDIT FACILITIES AND CASH MANAGEMENT SERVICES


Business Revolving Credit up to HK$500,000³

• Evaluation result can be obtained within 48 hours upon receipt of all supporting documents by the Bank
• No financial statements required for eligible customers
• No tangible assets to be pledged^
• Only 4% of your monthly outstanding balance for repayment
• No interest charged on unused credit

^"Personal Guarantee by Individuals" is required for Limited Companies.


Auto-sweeping for up to HK$20,000 ⁴

Automatically transfers funds to cover the overdrawn amount on your Hong Kong Dollar (HKD) Current Account


Overdraft protection for up to HK$10,000 ⁵

To help you avoid unauthorised overdrafts


Secured Credit Facility up to HK$10,000,000 ^3,6

As a standby credit line with no financial statements required. This can be utilised for Overdraft, Documentary Credit (DC) Issuance, Bank Guarantee Issuance and Trade Finance. Acceptable types of secured assets include Hong Kong Dollar (HKD) and Foreign Currency Time Deposits, Bonds, Certificates of Deposits (CDs), locally quoted Unit Trusts and shares

For more details on the Notes / Terms and Conditions, please click here.