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

Enjoy a one-number account that combines multiple account types for your easy management:

• Hong Kong Dollar Savings
• Hong Kong Dollar Current
• Foreign currency savings available in 11 currencies – including 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), Renminbi (RMB)* and Thai baht (THB)
• Time Deposits
• Investments ³

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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 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 investment portfolios – trading of Hong Kong stocks and unit trusts, and subscriptions for IPOs and structured investment products ³

ATM Card (with direct debit function)

• Access to cash and more through Automated Teller Machines (ATMs) via the HSBC, Hang Seng Bank as well as China UnionPay networks for your day-to-day banking needs.
• Covers more than 945,000 ATMs worldwide and over 120,000 China UnionPay ATMs in mainland China.
• Enjoy purchase convenience by debiting your account automatically through the EPS networks or China UnionPay.
• Enjoy discount offers at selective China 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 overview - individual account balances of your savings, current and foreign currency savings accounts.
• Account details - account limits, ledger balances, total holdings and available balances in any selected account.
• Transaction history - details of the most recent 20 transactions within the day.
• Fund transfers ?transfer funds between accounts within the same service profile
• Fund transfer authorisation ?authorise fund transfer instructions prepared by other users
• Rates enquiry ?enquire latest exchange rates and time deposit interest rates

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
  

Additionally, you can subscribe to any of the following BizAlerts, chargeable at HKD1 per alert, to stay in touch with your banking:

• Below balance - notifies you when your balance falls below the target level you have set for your account.
• Outward payments - enables you to monitor all outward payments debited from your account.
• Best Lending Rate (BLR) update - notifies you of any changes in BLR.
• Time deposit maturity - notifies you when your time deposits mature and no maturity instructions are in place.
• IPO update (certificates of deposit only) - notifies you of upcoming newly listed/issued IPOs in certificates of deposit through the HSBC IPO service.
• Above balance - notifies you when your balance exceeds the target level you have set.

Automated Teller Machines (ATMs)

• Easy access to your HSBC Business Direct account through our extensive network of over 1,000 self-service banking machines in Hong Kong and a global network of over 500,000 ATMs.

Business Phonebanking

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

EXCLUSIVE WELCOME OFFERS

Extra 30% discount off online outward and inward remittances ¹
You are eligible for an additional 30% discount off our common online charges for outward and inward remittances for the first 6 months from account opening.

Please click here to view the common charges.

Up to 50% discount off unit trust initial subscription fees ^2,3
You will be given up to 50% discount against subscription fees when you purchase unit trusts currently available via HSBC during the first six months from account opening.
#Please refer to the "Important Risk Warning" below.

# Important Risk Warning:

• Unit Trusts are investment products and some of them are structured products involving derivatives. The investment decision is yours but you should not invest in the Unit Trusts unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.
• Unit Trusts are NOT equivalent to time deposits.
• You should carefully consider whether any investment products or services mentioned herein are appropriate for you in view of your investment experience, objectives, financial resources and circumstances.

Additional risks are disclosed in the " Risk Disclosure" link here. Please refer to it for details.

Annual fee waiver for the first year on HSBC Business Cards

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 remitted funds to HSBC or the Bank of Communications in over 80 cities across mainland China¹⁰
• Fee waived for Chinese character input

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

CASH AND CREDIT MANAGEMENT SERVICES

Business revolving credit up to HK$500,000 ⁴

• Approval within 48 hours
• No financial statements or collateral required
• Only 4% of your monthly outstanding balance for repayment
• No interest charged on unused credit

Auto-sweeping up to HK$20,000 ⁵

• Automatically transfer funds from your HKD savings account to cover the overdrawn amount of your HKD current account the next working day
• No unauthorised overdraft handling charge

Overdraft protection up to HK$10,000⁷

• Enjoy this service to avoid unauthorised overdrafts if your HSBC Business Direct account has an average deposit balance of HK$100,000 in the previous month

Secured credit facility up to HK$5,000,000 ⁴

• A standby credit line that is secured by assets within your HSBC Business Direct account
• Available credit limit will be adjusted according to the daily asset value
• No arrangement fee or monthly service fee

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