HSBC Debit MasterCard FAQs | HSBC
Debit MasterCard® card FAQs
- General Information
- How do I obtain an ATM or debit card with my consumer HSBC checking or savings account?
- What's the difference between the ATM card and the debit card?
- Why does my HSBC debit card now have a chip?
- How do I use my chip-enabled debit card?
- Where can I use my chip-enabled HSBC debit Card?
- Will I have to do anything different to use my chip-enabled Debit card?
- What is contactless chip technology?
- Are contactless transactions safe?
- Are there any additional fees with my new chip-enabled card?
- How does the chip make my HSBC debit card more secure?
- Can I request a non-chip-enabled card?
- Can I use my chip-enabled card for Internet and telephone transactions?
- Should I be worried that my personal information is vulnerable if my card gets lost or stolen?
- If I have multiple HSBC deposit accounts, which ones will I access with my ATM or debit card?
- Basic Security
- Contactless Functionality
How do I obtain an ATM or debit card with my consumer HSBC checking or savings account?
If you have not yet opened a consumer deposit account with HSBC, you may request a card on your HSBC account application. If you are requesting a debit card for an existing consumer checking account, you may start your debit card application here. You can also request a debit or ATM card by sending us a BankMail or by contacting the Customer Relationship Center. If approved, we will send your card by mail 7-10 days from either the consumer deposit account opening date or the date the request is received.
What's the difference between the ATM card and the debit card?
An ATM card is used primarily for deposits and withdrawals at ATMs, and in some cases, point-of-sale (POS) purchases with a Personal Identification Number (PIN). A debit card has all the features of an ATM card, plus it can be used anywhere debit MasterCard® cards are accepted to purchase merchandise by directly debiting your checking account. Both cards can be used for deposits and withdrawals at any HSBC Bank USA, National Association ATM in the U.S., and can be used to withdraw cash at over one million ATMs worldwide where the MasterCard®, Maestro® or Cirrus® marks are displayed. Foreign transaction fees may apply when using ATMs outside of the U.S., including those operated by another HSBC entity operating ATMs outside the US. You may also be charged additional fees by the ATM operator or network used including a fee by another HSBC entity operating ATMs outside the US.
Why does my HSBC debit card now have a chip?
HSBC is dedicated to protecting your personal information. Chip technology is the most secure way to use your HSBC debit card and is quickly becoming the industry standard worldwide. It offers greater protection of your card information when used at a chip-enabled terminal and greater acceptance at merchants all over the world.
How do I use my chip-enabled debit card?
You may continue to use your card the same way you do today. If the retailer has a chip-enabled terminal, you may be prompted to insert your chip-enabled card, face up, into the card reader. Make sure you leave your card in the terminal while the entire transaction is processed. You may be prompted to enter your PIN for verification. ATMs work similarly. Be sure to remove your card from the terminal when the transaction is complete.
Where can I use my chip-enabled HSBC debit Card?
You can use your new chip-enabled card everywhere debit MasterCard® cards are accepted to complete purchases and to make ATM withdrawals.
Will I have to do anything different to use my chip-enabled Debit card?
Your experience at chip-enabled terminals and ATMs will be slightly different.
- Chip-enabled Point of Sale terminals
Merchants are upgrading their payment terminals to accept chip-enabled cards. During the transition to chip, you can swipe your card as you normally would. If the terminal is chip-enabled, it will prompt you to insert the card instead. You will be instructed to leave the card in the terminal until the entire transaction is complete. You may be prompted to enter your PIN for verification. Once the transaction is complete, remember to remove your card from the terminal.
- ATM Transactions
During the transition to chip, insert your chip-enabled card into the ATM and remove it just as you do today. If the ATM is chip-enabled, it will prompt you to re-insert the card again and leave it there until the transaction is complete. Once the transaction is complete, remember to remove your card from the terminal.
What is contactless chip technology?
Contactless chip-enabled cards uses a technology called RFID (radio frequency identification), which uses near-field communications to transmit your transaction to contactless enabled terminals.
Are contactless transactions safe?
Yes, contactless transactions are protected by the same standard which protects cards equipped by a security chip. When a contactless transaction is initiated, the chip on the card generates a one-time key. Though, this key could be intercepted, it would not be valid for the next transaction.
Are there any additional fees with my new chip-enabled card?
No, there are no additional fees. HSBC offers chip-enabled cards as a courtesy to help keep your card information protected.
How does the chip make my HSBC debit card more secure?
Your HSBC debit card is now embedded with a computer microchip that increases the security of your transactions. The chip creates a unique code each time it is used to encrypt account data. This makes the card difficult to clone and helps protect you from unauthorized transactions.
Can I request a non-chip-enabled card?
No. All new HSBC debit and ATM cards are now equipped with the chip technology. Chip technology is currently the best tool to fight counterfeit fraud.
Can I use my chip-enabled card for Internet and telephone transactions?
Yes, Internet and telephone transactions work just as they do today.
Should I be worried that my personal information is vulnerable if my card gets lost or stolen?
The embedded microchip makes account information much more difficult to duplicate or copy, and provides enhanced fraud protection on your account when used at a chip-enabled terminal. If your card is lost or stolen, you should call to request a replacement chip-enabled card.
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International or collect: 716.841.7212
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International or collect: 716.841.4722
If I have multiple HSBC deposit accounts, which ones will I access with my ATM or debit card?
You can designate your primary accounts and ATM preferences by sending us a BankMail with your preferences through Personal Internet Banking. Or call our Customer Relationship Center at 800.975.4722 to adjust your settings.
How do I change the PIN for my ATM or debit card?
If you know your current PIN and want to change it immediately, call our automated service at 888.619.9667. Be sure to have your card associated with the PIN that you are changing handy.
If you do not know your current PIN, please call the number on the back of your card and we will order a PIN reminder to be sent to you. Once you receive the reminder, usually within 5-7 business days, you can call 888.619.9667 to change it immediately.
If you change your PIN, however, the card may not be updated and ready to use overseas until AFTER you've used the card in an ATM or conducted an online transaction at a chip-enabled terminal.
What should I do if my card is lost or stolen?
If you've lost your debit, or ATM card, please contact us immediately via telephone at 800.975.4722. You can also report your card lost or stolen by sending a BankMail in Personal Internet Banking, or you can visit one of our branches where a representative will help you contact the Customer Relationship Center. Remember you have the security of MasterCard®'s Zero Liability Protection1
What are contactless payments?
Contactless payments are convenient transactions that require no physical contact between the card and merchant's terminal. This works on Radio Frequency (RF) and Near Field Communications (NFC) technology. Your card has an antenna built in that is designed to work with a Point of Sale (POS) terminal in short ranges (2-4 inches). Contactless payments use the same technology as Chip and PIN so you can shop with confidence that your information is secure.
How do I perform a contactless payment?
It's easy! Contactless is faster than swiping or inserting your card for payment. Simply place your HSBC debit card close to a terminal that accepts contactless payments. Briefly hold your card close to the terminal until it confirms the payment with a green light or beep, follow the prompts, and you're done!
Where can I use my contactless card?
Thousands of merchants accept contactless payments. You can use your card wherever you see the contactless symbol, shown below. More and more retailers are upgrading to accept contactless payments every day.
1 Covers U.S.–issued cards only. MasterCard®'s Zero Liability Policy does not apply to commercial credit card or ATM transactions, or to PIN-based or other transactions not processed by MasterCard®, or if you are grossly negligent or fraudulent in handling your card or card number. Your card account must be in good standing, and you must report all unauthorized transactions as soon as possible. You may not be covered if you have reported two or more unauthorized transactions within the last 12 months. Certain unauthorized transactions require a cardholder signature prior to issuing provisional credit.
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