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Move money internationally
Move money within the U.S.

Move money internationally

If you're looking to send money internationally, we have several options depending on the recipient, amount and how you want to do it.


Transfer type	Transfer to	Transfer limit	Transfer time	How to transfer	Transaction frequency
Global Transfer Move money between your linked HSBC accounts.	Your HSBC accounts	200,000 USD (or equivalent) per day[@gmt-transaction-times-limits]	Immediate	Mobile banking Online banking	One-off Recurring
Global Money Transfer Send money internationally from your Global Money Account, checking account or savings account with no HSBC fees.	HSBC and other banks	250,000 USD (or equivalent) per day[@gmt-transaction-times-limits]	Up to 3 business days[@gmt-transaction-times-limits]	Mobile banking	One-off
Wire transfer Make payments from your checking or savings account with no transaction limits.	HSBC and other banks	Unlimited	Up to 7 business days	Online banking	One-off Recurring


Transfer type	Global Transfer Move money between your linked HSBC accounts.
Transfer to	Your HSBC accounts
Transfer limit	200,000 USD (or equivalent) per day[@gmt-transaction-times-limits]
Transfer time	Immediate
How to transfer	Mobile banking Online banking
Transaction frequency	One-off Recurring

Transfer type	Global Money Transfer Send money internationally from your Global Money Account, checking account or savings account with no HSBC fees.
Transfer to	HSBC and other banks
Transfer limit	250,000 USD (or equivalent) per day[@gmt-transaction-times-limits]
Transfer time	Up to 3 business days[@gmt-transaction-times-limits]
How to transfer	Mobile banking
Transaction frequency	One-off

Transfer type	Wire transfer Make payments from your checking or savings account with no transaction limits.
Transfer to	HSBC and other banks
Transfer limit	Unlimited
Transfer time	Up to 7 business days
How to transfer	Online banking
Transaction frequency	One-off Recurring

Move money within the U.S.

If you're looking to send money within the U.S., we have several options depending on the recipient, amount and how you want to do it.


Transfer type	Transfer to	Transfer limit	Transfer time	How to transfer	Transaction frequency
Bill Pay Pay a person or company.	Any U.S. bank account	$100,000 per payment $999,000 per day	2 to 5 business days	Mobile banking Online banking	One-off Recurring
Zelle® Send money to other Zelle® users[@zelle-accounts] from our mobile app.	Any enrolled user with a U.S. bank account	$2,000 per day $6,000 per rolling 30 days	In minutes	Mobile banking	One-off Recurring
Wire transfer Send money from your checking or savings account with no transaction limits.	Any U.S. bank account	Unlimited	1 to 2 days	Online banking	One-off Recurring
Real-Time Payments (RTP®) Make instant payments to eligible payees at other banks.	Non-HSBC accounts (eligible payees only)	$2,500 per payment $5,000 per day	Immediate	Mobile banking Online banking	One-off
Bank-to-bank transfer Move money to your accounts at other U.S. banks.	Your non-HSBC accounts	$50,000 per day $350,000 per month	3 business days	Online banking	One-off Recurring
Internal transfer Move money between your U.S. HSBC accounts.	Your U.S. HSBC accounts	Unlimited	Immediate	Mobile banking Online banking	One-off


Transfer type	Bill Pay Pay a person or company.
Transfer to	Any U.S. bank account
Transfer limit	$100,000 per payment $999,000 per day
Transfer time	2 to 5 business days
How to transfer	Mobile banking Online banking
Transaction frequency	One-off Recurring

Transfer type	Zelle® Send money to other Zelle® users[@zelle-accounts] from our mobile app.
Transfer to	Any enrolled user with a U.S. bank account
Transfer limit	$2,000 per day $6,000 per rolling 30 days
Transfer time	In minutes
How to transfer	Mobile banking
Transaction frequency	One-off Recurring

Transfer type	Wire transfer Send money from your checking or savings account with no transaction limits.
Transfer to	Any U.S. bank account
Transfer limit	Unlimited
Transfer time	1 to 2 days
How to transfer	Online banking
Transaction frequency	One-off Recurring

Transfer type	Real-Time Payments (RTP®) Make instant payments to eligible payees at other banks.
Transfer to	Non-HSBC accounts (eligible payees only)
Transfer limit	$2,500 per payment $5,000 per day
Transfer time	Immediate
How to transfer	Mobile banking Online banking
Transaction frequency	One-off

Transfer type	Bank-to-bank transfer Move money to your accounts at other U.S. banks.
Transfer to	Your non-HSBC accounts
Transfer limit	$50,000 per day $350,000 per month
Transfer time	3 business days
How to transfer	Online banking
Transaction frequency	One-off Recurring

Transfer type	Internal transfer Move money between your U.S. HSBC accounts.
Transfer to	Your U.S. HSBC accounts
Transfer limit	Unlimited
Transfer time	Immediate
How to transfer	Mobile banking Online banking
Transaction frequency	One-off

Frequently asked questions

If you're sending money internationally, Global Money Transfers or Global Transfers are your best options.

For domestic transfers, Zelle® and internal transfers between your HSBC accounts are immediate. If the recipient's bank is part of the Real-Time-Payment (RTP®) network, then you can also send payments right away via bank to bank transfers or domestic wire transfers. (You will need to complete one non-RTP® payment to your recipient before you can use Real-Time Payments®).

Here are some things to consider before setting up a recurring international payment:

Exchange rates - Online platforms like Global Money and Global Transfer offer real-time exchange rates[@exchrate90sec], so you know how much you're sending. Rates can always change over time and small fluctuations may affect recurring payments
Tax reporting - Regular cross-border payments may trigger tax reporting in some countries
Charges from the receiving bank - We don't charge a fee but other banks may charge to accept the payment

The key things to consider are:

Are you sending the money within the U.S. or internationally?
How quickly do you need it to arrive?
How much are you sending?
Are you transferring between your own accounts, or paying someone else? Is the account with HSBC?
Do you want to use the mobile app, online banking, or a different channel?
Are you paying a bill?
Is it a recurring payment?

The answers to these questions will help you decide the best payment method for you.

We don't charge fees to send money within the U.S. We also won't charge you to send money abroad with Global Money Transfers, Global Transfers or wire transfers. However, receiving or intermediatory banks may charge a fee.

Sending money in your recipient’s local currency offers several advantages over sending in USD:

1. Faster and smoother processing Payments sent in the local currency are less likely to be delayed or rejected by the receiving bank. Many banks prefer or require payments in their domestic currency, which can help avoid unnecessary hold-ups.

2. Cost savings for the recipient If you send USD to a country where USD isn’t the standard currency, the recipient’s bank will convert the funds - often at less favourable exchange rates and with additional fees. Sending in local currency means you control the conversion rate and can often secure a better deal.

3. Greater transparency You’ll know the exact amount the recipient will receive, as the currency conversion happens upfront. This avoids surprises for the recipient and makes budgeting easier for both parties.

4. Easier for the recipient Recipients appreciate receiving funds in their own currency, as it’s immediately usable and avoids the hassle of conversion. This can be especially important for business payments, payroll, or supplier settlements.

5. Compliance and local requirements Some countries have regulations that restrict or complicate the receipt of foreign currencies. Sending in local currency helps ensure compliance and reduces the risk of regulatory issues.

For example, if you're sending money to a family member in India, sending INR instead of USD means they receive the exact amount agreed upon, without worrying about conversion rates or bank fees.

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Additional information

Terms and conditions apply. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

What would you like to do today?

HSBC Global Money Transfers is award-winning

Send money internationally with the 'Best Cross-Border Payments Platform', awarded at the 2025 Global Retail Banking Innovation Awards.

Move money internationally

Move money within the U.S.

Frequently asked questions

What is the fastest way to transfer money?

What should I consider when setting up a recurring international payment?

What should I consider when choosing how to transfer money?

How much does it cost to send money?

When sending money internationally, what are the benefits of sending in foreign currency vs USD?

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