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Debit Mastercard® card FAQs

Order, replace, activate a debit card

How do I order a debit card? You can request a debit or ATM card during the account opening process.  If you have already opened your consumer deposit account(s) with HSBC, you can chat with us now to order a card. If you prefer, you can give us a call at 1.800.975.4722 or stop into a branch.  

How do I replace my debit card? If your debit card is worn but not lost or stolen, you can chat with us now to order a card. If you prefer, you can give us a call at 1.800.975.4722 or stop into a branch.  

How do I activate my debit card?  To activate your card, call 1.866.389.6638 (for Premier or Jade), 1.800.811.0020 (for Advance or Personal Banking).

How do I replace my ATM card with a debit card? Chat with us now. If you prefer, you can give us a call at 1.800.975.4722 or stop into a branch.

Debit card fees

Are there any fees for requesting a replacement debit card? There is no fee to replace a debit card.  

Are there any fees for using an ATM? There are no fees for using a U.S. HSBC ATM, fees may be assessed if you make a withdrawal, transfer or balance inquiry at a non-U.S. HSBC ATM or non-HSBC ATM. You may be charged additional fees by the ATM operator or network used including a fee by another HSBC entity operating ATMs outside the U.S. Foreign currency conversion rates may still apply.

As of May 17, 2021 you may notice that non-U.S. HSBC ATMs that previously did not charge an ATM fee, began charging one. In addition to an ATM fee, you may also be charged a foreign transaction fee of 3%. Please refer to the Electronic Banking Services Information Statement for more information on how this may apply to you.

Are there any transaction fees for using my debit card? HSBC does not charge any transaction fees to make domestic purchases, however some merchants may impose a fee or surcharge. Please refer to your deposit Terms & Charges and the disclosure information that accompanied your account opening for complete details.

Lost or stolen debit cards and transaction disputes

How do I dispute a transaction? Please call the phone number on the back of your card for any disputed transactions. 

What should I do if my card is lost or stolen? If your debit card has been lost or stolen, please call us immediately at 1.800.975.4722 to close your card and order a replacement. 

Should I be worried about my personal information if my card gets lost or stolen? If you believe your card has been lost or stolen, it’s important to contact us right away. You can chat with us now or if you prefer, you can give us a call at 1.800.975.4722 or stop into a branch

Debit card PIN (personal identification number)

How do I change my ATM or debit PIN or request a new PIN? You can change your PIN or request a new PIN using our automated system by calling 1.888.619.9667 or by visiting any HSBC ATM in the US. 

Is there a difference between signing a receipt and using my PIN to authorize a debit card purchase? If you select debit, you will use your PIN and enter it in on the merchant keypad. If you select credit, you may be required to sign a receipt to authorize your purchase. 

If a merchant offers cash back services, you can select debit and insert your PIN to receive cash back. You cannot get cash back if you select credit. 

There are no other differences.

Digital or Mobile Wallets

What is a digital or mobile wallet? A digital wallet, sometimes called an e-wallet, is a service that allows you to pay for things electronically, without using your physical card. It may also store a number of other items a traditional wallet would hold, such as a driver's license, gift cards, tickets for entertainment events, and transportation passes. 

A  mobile wallet is a type of digital wallet that's accessible through an app on a mobile device (usually a phone or wearable). You can use a mobile wallet to “tap to pay” when you're checking out of a store — a convenient alternative to paying with cash or carrying around a physical card.

How do I set up my mobile wallet? How to set up your mobile wallet.

Is it safe to use a mobile wallet? Absolutely. Not only are digital wallets well-protected against fraud, their security technology is constantly being updated to provide the most current  protection.

Other debit card questions

How is a debit card different from a credit card? Debit cards allow HSBC customers to spend money by drawing on funds they have deposited in their account. Credit cards allow consumers to borrow money from the card issuer up to a certain limit in order to purchase items or withdraw cash.

How is a debit card different from an ATM card? You can use your debit card to get cash back (at participating merchants) or to buy something at a store. An ATM card only allows you to get money from your checking or savings account at an ATM.

Another primary difference between a HSBC debit and ATM card is that an HSBC debit card has a Mastercard® logo on its face. That means you can use our debit card wherever Mastercard® debit cards are accepted, for example, department stores, restaurants, or online.  

What is chip-technology? A chip card is a standard debit card which contains an embedded microchip as well as a traditional magnetic stripe. The chip encrypts information to increase data security when making transactions at stores, terminals, or ATMs.

HSBC Debit Mastercard® cards are issued by HSBC Bank USA, N.A.  
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC. 

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