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HSBC Global Money Account

One account for all your multi-currency needs

Global Money Account[@globalmoneyacct] lets you hold and convert money in multiple currencies. You can then manage and send foreign currencies around the world, at the most competitive exchange rates, and with no HSBC fees. It's easy to use through our HSBC U.S. Mobile Banking App[@dataratecharges].

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Here's what you get with a Global Money Account

One account, wherever you need to send or hold money.

No HSBC account fees or transfer fees
Hold up to 8 currencies in a single account
Competitive foreign exchange rates that refresh every 90 seconds[@exchrate90sec]
Send money internationally in over 60 different currencies to 200 countries and regions, with no HSBC fees through Global Money Transfers

How to use a Global Money Account

Global Money Account is a multi-currency account that can be used to handle 8 major currencies, so you can deposit money, convert it and send it to an HSBC customer, near or far, with no HSBC fees.

It's also an instant payment service that lets you manage, convert and send money in different currencies securely and cost effectively.

When you're ready to make a transaction, you can transfer between your multi-currencies or use the Global Money Transfer feature to send money directly from your Global Money Account or your HSBC deposit accounts to HSBC entities and other international banks.

Daily limits:

You can send up to $250,000 daily to HSBC and non-HSBC accounts in over 200 countries and territories, in U.S. dollar or other currencies
Payment times will vary, but you can make instant payments of up to $50,000 to HSBC accounts

You can choose which currency you want to use, and you’ll see the exchange rate (if you’ve chosen to send in a foreign currency). The exchange rate you will get is live during trading market opening hours. When markets are closed, it's based on the most up-to-date market rate.

To add funds to your Global Money Account:

Log on to the HSBC U.S. Mobile Banking App using your PIN or biometrics.
Go to the 'Move Money' tab.
Select 'Global Money Account - Add Money'.
Select the account the money will be transferred from.
Enter the amount to be added to the Global Money Account.
Select the currency for the money to be added in. You can transfer with no exchange rate if the currency is the same.
Review and select 'Confirm'. Once you select 'Confirm', the transaction cannot be cancelled.

Things to know

What you'll need to apply

You can apply for a Global Money Account[@globalmoneyacct] if you have:

A Premier checking, Premier Savings, or Premier Relationship Savings account - a sole account in your name, or a joint account where one signature is required
The HSBC U.S. Mobile Banking app

HSBC Global Money Account Terms (PDF, 178kB) Download link

Apply for a Global Money Account

Already an HSBC U.S. client?

To apply for a Global Money Account, go to the HSBC U.S Mobile Banking app. Select 'HSBC Global Money', then 'Get started' and follow the steps to sign up.

Get started

New to HSBC?

You'll need an HSBC Premier checking account before you can open a Global Money Account.

View Premier checking account

Frequently asked questions

A Global Money Account is different from a traditional bank account because:

it's only available in the HSBC U.S. Mobile Banking App
HSBC Global Money Account is a pre-paid mobile-only account, which means it is used for online transactions through a smartphone
checks and cash cannot be directly deposited into this account. You can only transfer in/out of it using an eligible funding account.

Money you move into an HSBC Global Money Account is held by HSBC Bank U.S.A., making it just as secure as money in any other HSBC Bank account. Learn more about HSBC security.

You can view your HSBC Global Money Account statements on the Mobile Banking App by selecting any of the currencies in your HSBC Global Money Account, then select View more, then View statements. These statements can also be found in your online banking by selecting My HSBC, then My documents.

Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

Funds deposited into your account are subject to exchange rate risk, which may adversely impact the amount returned in U.S. dollar terms. It is strongly recommended you understand these restrictions before entering into any foreign exchange transaction.

No, you can't use your Global Money Account to pay for goods in store or online. Currently there's no debit card or digital card with this product.

No, you can't withdraw money from a Global Money Account. However, you can transfer money from your Global Money Account to your other HSBC accounts.

You can send money to your own or someone else’s HSBC account if you or they have online banking in receiving markets including Australia, Bahrain, Bermuda, Canada, Egypt, Hong Kong, India, Indonesia, Malaysia, Malta, New Zealand, Philippines, Qatar, Singapore, Taiwan, United Arab Emirates, United Kingdom, United States, Vietnam, Sri Lanka, Channel Islands and Isle of Man, and Jersey (HSBC Expat).

You can also send money to France and China, but you'll need to follow these instructions:

France:

You can send money to your HSBC accounts[@GVGTOnlyPremJade] in France. You must link the eligible accounts by setting up Global View

China:

The most you can send in one transaction to accounts in China is USD10,000 (for USD receiving currency) and USD9,600 (or equivalent, for non-USD receiving currency).
For transfers of over USD10,000, please use online banking.
The beneficiary needs to log on to their account and complete a 'Balance of Payment' declaration that details the purpose of payment and source of funds for the transfer to be completed.

Currencies supported for sending are AED, AUD, BHD, CAD, CHF, CNY4, DKK, EUR, GBP, HKD, INR, JPY, KWD, NOK, NZD, SAR, SEK, SGD, USD and ZAR.

See all FAQs

Make international money transfers conveniently using the HSBC Mobile Banking App[@appinfo].

Do all your banking quickly, easily and securely from your phone.

As an international bank, HSBC can connect you to a world of possibilities.

Make the most of life, no matter where you are now or where you’re going next.

Additional information

For clients located outside of the U.S. - Our products and services are not specifically directed at individuals located in the European Union. Our U.S. representatives, as well as our public website, us.hsbc.com, provide products and services governed by U.S. laws and regulations. Our products and services, as well as their specific terms and conditions, are subject to change and may not be available in all territories or to all customers. If your product requires a contract, application, disclosure, or other document to be signed, such document(s) will be deemed executed in the U.S. and only acted upon after you have signed them and they have been received by HSBC in the U.S. If you are not located in the U.S., the laws and regulations of your country of residence could affect the offering, negotiation, discussion, provision, and/or use of HSBC U.S. products and services. If you are not a U.S. resident, please read the specific cross-border product and service disclaimers, which are available on the Cross Border Disclosure page of our public website at us.hsbc.com/crossborder.

United States persons are subject to U.S. taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their U.S. and non-U.S. accounts. U.S. persons should consult a tax adviser for more information.

Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

HSBC Global Money Account

One account for all your multi-currency needs

Here's what you get with a Global Money Account

How to use a Global Money Account

How does a Global Money Account work?

How do I add funds to my Global Money Account?

Things to know

What you'll need to apply

Important documents

Apply for a Global Money Account

Already an HSBC U.S. client?

New to HSBC?

Frequently asked questions

How is the HSBC Global Money Account different from a traditional bank account?

Can I use my Global Money Account to pay for goods in store or online?

Can I withdraw money from a Global Money Account?

Who can I send money to, and which currencies can I send using a Global Money Account?

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