FX (Foreign Exchange) Transaction $50 Cash Offer Terms and Conditions

Offer is available to Premier² checking clients who did not make an FX Transaction at any time from October 1, 2025, through September 30, 2026.  Offer is valid from October 1, 2026, through and including December 31, 2026 (“Offer Period”). See below for full eligibility details.

Definitions

“Client” means the owner of a Premier checking account as either the sole account owner or, for joint accounts, as either the primary or secondary account holder.

“Mobile App” means the HSBC U.S. Mobile Banking app³ available for iPhone®, iPad®, Android^TM devices and downloaded from the App Store^TM or Google Play^TM.  For details, visit https://www.us.hsbc.com/mobile-banking/#get-app

“Global Money Transfer in a Foreign Currency” means sending money to an international account using the Mobile App by selecting ‘Move Money’ and then ‘Send money internationally' from your HSBC Premier checking account, Premier savings account, or HSBC Global Money Account⁴ to an HSBC or non-HSBC recipient account outside the U.S.

How to Use Global Money Transfers: https://www.us.hsbc.com/international-banking/global-money-transfers/

“Global Transfer in a Foreign Currency” means sending money to your HSBC international account through the browser or by using the Mobile App by selecting ‘Make global transfers to your HSBC accounts.’  You must be registered for online banking in the U.S. and in any countries or regions you have an HSBC account in.

How to Use Global Transfer: https://www.us.hsbc.com/international-banking/global-view-and-global-transfers/

“Global Money Account” means an HSBC Global Money Account, which is a pre-paid, multi-currency account only available to Clients on the Mobile App. 

“Global Money Account - Add or Convert Transaction” means funding or converting money from USD to a Foreign Currency in a Global Money Account. 

 How to Use Global Money Accounts: https://www.us.hsbc.com/checking-accounts/products/global-money/

“USD equivalent” means the value of the FX Transaction converted to U.S. dollars using HSBC’s exchange rate applied at the time the transfer is processed, as determined by HSBC’s records.

“Foreign Currency” means a non-USD currency.

“FX Transaction” means any completed (not cancelled, reversed, rejected, or returned) transaction through the Mobile App or browser that is either: (i) a Global Money Transfer in a Foreign Currency, (ii) a Global Transfer in a Foreign Currency, or (iii) a Global Money Account - Add or Convert Transaction.

How to Qualify for the $50 Cash Bonus

To qualify for the $50 cash bonus (the “Cash Bonus”), the Client must meet all the following requirements during the Offer Period:

(1) Have an open HSBC Premier checking account; and

(2) Have not made any FX Transaction from October 1, 2025, through September 30, 2026; and

(3) Complete one (1) Qualifying FX Transaction in a Foreign Currency. 

A “Qualifying FX Transaction” is a single FX Transaction with a value of $5,000 USD equivalent or more. Multiple FX Transactions cannot be aggregated to meet the $5,000 USD threshold. An FX Transaction includes a Global Money Transfer in a Foreign Currency, a Global Transfer in a Foreign Currency, or a Global Money Account - Add or Convert Transaction.

Cash Bonus fulfillment

If you meet all offer requirements, the Cash Bonus will be deposited into your Premier checking account within eight weeks after the end of the calendar month in which the Qualifying FX Transaction is completed. Example: If you complete a Qualifying FX Transaction on October 15, 2026, the Cash Bonus will be deposited by December 31, 2026.  Your Premier checking account must remain open and in good standing at the time the Cash Bonus is paid. 

Additional Terms

• Eligibility / Age: Offer is non-transferable and available only to individuals who are at least 18 years of age and have an active Premier checking account.
• Account standing: Your Premier checking account must be open and in good standing at the time of fulfillment. Accounts that are closed, restricted or otherwise not in good standing (as determined by HSBC) may be ineligible
• Bonus limits: This Cash Bonus may be earned in addition to other HSBC promotional offers or campaign rewards, unless those offers state otherwise. However, this FX Transaction $50 Cash Offer is limited to one (1) Cash Bonus per Client during the Offer Period, including across all individual and joint accounts. If multiple Qualifying FX Transactions are made during the Offer Period, only the first transaction will be eligible for the Cash Bonus.
• Qualifying activity timing: All qualifying activities must be completed within the Offer Period. Transfers that are canceled, reversed, rejected, returned, or not completed during the Offer Period will not qualify.
• Changes / termination: All promotional offers, products and services offered by HSBC are subject to updates, modifications, and/or termination by HSBC without notice.
• Jurisdiction: Offer is only available to Clients where permitted and is not available in all jurisdictions.
• Client exclusions: Employees, officers, directors, agents, or representatives of HSBC and/or Household Members of such person, including any joint account owners, are not eligible. Private Bank clients are not eligible. “Household Members” shall mean those people who share the same residence.
• Taxes: The Cash Bonus may be subject to tax and will be reported to the Internal Revenue Service as required by applicable law. You are responsible for any applicable taxes.

Opt-Out / Contact

If you would like to opt out of this campaign, decline the Cash Bonus, or stop future marketing messages for this campaign, please contact us and reference: FX (Foreign Exchange) Campaign $50 Cash Offer. You can Chat with us 24 hours a day, 7 days a week on the Mobile App or at us.hsbc.com/chatwithus. You can call us at (888) 662-4722 or outside the U.S. or Canada at (716) 841-6866 or contact a Wealth Relationship Manager.

2. For a complete list of HSBC Premier Relationship eligibility requirements, please visit https://www.us.hsbc.com/premier or contact a relationship manager.

3. Data rate charges from your service provider may apply. HSBC Bank USA, N.A. is not responsible for these charges.

4. HSBC Global Money Account is a prepaid, multi-currency account available on our HSBC U.S. Mobile Banking App for customers who maintain an HSBC consumer checking or deposit account.