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Studying in the U.S.

Simple, secure banking to support both students and their parents

Banking designed for international students

The U.S. is a prime destination for studying abroad and as an international bank, HSBC helps students every step of their financial journey

International account¹ opening

We can set up banking services for students before they arrive in the U.S. to help make it easier to pay for tuition fees, housing and other expenses.

Moving money

Make easy and secure transfers anytime – both in the U.S. and globally with no fees from eligible U.S. accounts.2

 

Through our unique Global View Global Transfers2 feature, parents and students can easily manage money between countries while studying abroad.

HSBC Credit Cards

Explore different credit card options to make payments and benefit from building a U.S. credit score while earning rewards and redeeming points for other purchases.

New to U.S. Services³

Get a complimentary 6-month access to a wide range of relocation benefits, including a free 30-day SIM card and exclusive pricing on select services.

Ready to get started?

Still exploring your options?

Students who have not yet arrived in the U.S.

Here are some things to consider before your departure:

 

Open a U.S. account remotely, before you leave

Through secure video technology, we can help you open an account online before you leave – in the safety of your home.

Link accounts and transfer funds

For students and parents looking to manage expenses between countries, our Global View Global Transfers2 feature enables you to move money securely and instantly, with no fees from U.S. eligible accounts4.

New to U.S. Services Program3

Whether it’s planning for your move or settling in, our program is dedicated to support your journey every step of the way. We can help you plan your move or settle in with a wide range of benefits including:

  • Booking travel
  • Referrals to moving companies
  • Referrals to international medical assistance
  • A free 30-day SIM card with unliminted international calls

Students who are already in the U.S.

Here are some things to help you build and manage your finances:

 

HSBC Student Offerings

Explore our HSBC Choice Checking account for Students and take advantage of our Welcome Deposit offer when you’re new to HSBC and complete qualifying activities.

Start building your credit in the U.S. with HSBC Cash Rewards Mastercard® credit card Student Account

  • 1.5% Unlimited Cash Back on all purchases5 
  • No credit history required for approval6

Send money to family and friends with Global Money

HSBC’s Global Money7 account can convert and send money abroad in 8 different currencies. Plus, enjoy the benefits of no-fee instant transfers through our HSBC Mobile Banking App8 when you're sending money back home.

Financial Wellness9

Access educational tools and resources to help build your financial knowledge as you study in the U.S.

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 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 www.us.hsbc.com/crossborder. Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC. Lending products are offered in the U.S. by HSBC Bank USA, N.A. Investments and certain insurance products, including annuities, are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. Whole life, universal life, term life, and other types of insurance are provided by unaffiliated third parties and offered through HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, N.A.

1 International account opening is not available in all countries and is subject to approval based on local regulations and policies of country or application.   

2 Global View and Global Transfers are only available for HSBC Premier10 and HSBC Advance11 clients and are not available in all countries. Foreign currency exchange rates and local country limitations may apply. Transfers from HSBC accounts from outside the U.S. may be subject to transfer fees. Personal Internet Banking is required to access Global View and Global Transfers. Access to U.S. Personal Internet Banking through Global View from outside the U.S. may be limited.

3 HSBC New to U.S. Services Terms and Conditions: This offer is only available for New to Bank customers who open an HSBC checking account through HSBC’s International Banking Centers or a U.S. HSBC branch from December 30, 2019 through and including December 31, 2020. Applicants must have arrived in the U.S. from January 1, 2019 through and including December 31, 2020 in order to be eligible for the 2020 HSBC New to U.S. Services. All applications must be supported by documents providing the date of arrival in the U.S.: a Passport, Visa, job offer letter, lease agreement or a copy of the applicant’s U.S. Social Security card showing the date of issuance will qualify for the offer. Documents are subject to approval by HSBC Bank. HSBC Bank reserves the right to change or terminate what is a supporting document at any time and at its sole discretion. Applicants need to activate their service membership within 12 months from account opening. Additional restrictions may apply.

New to U.S. Services

HSBC Bank's New to U.S. Services is delivered by Aspire Lifestyles under which Aspire Lifestyles and its affiliates ("Supplier") will deliver lifestyle services available under the HSBC Banks's New to U.S. Services. Supplier subject to change. Subject to limited availability, and to the terms, conditions and restrictions imposed by Supplier. HSBC Bank is not responsible for the delivery of, or for any failure to deliver the New to U.S. Services. Calls to the service are charged at a local rate. Charges for the products or services provided will be notified at the time of booking by Supplier and subject to terms, conditions and restrictions imposed by Supplier. HSBC Bank and its respective parents, subsidiaries and affiliates are not responsible for any of the above listed charges. Calls may be recorded at Supplier's discretion. HSBC Bank, and its respective parents, subsidiaries and affiliates are not liable or responsible for these recordings. Your contact details are held with your permission so that you can access the Service. Supplier is solely responsible for the protection of your contact details. HSBC Bank, and its respective parents, subsidiaries and affiliates make no guarantees, warranties or representations of any kind, expressed or implied, with respect to such services and/ or items, and shall not be liable for any loss, expense, accident or inconvenience that may arise in connection with the use of such services and/or items, or as a result of any defect in or failure of such services and/or items. Not exchangeable, refundable, or redeemable for cash or credit under any circumstances and are not replaceable in the event of loss, destruction after issuance or expired (if applicable). HSBC Bank reserves the right to change or terminate this offer at its sole discretion.

30 day SIM card 

Supplier will provide and deliver applicable SIM Card. SIM Card wireless carrier is T-Mobile. Supplier and wireless carrier subject to change. Subject to limited availability, and to the terms, conditions and restrictions imposed by Supplier. HSBC Bank, and its respective parents, subsidiaries and affiliates are not responsible for the delivery of, or for any failure to deliver, the SIM Card. First 30 days cost, calculated and applied solely by Supplier, will be covered by HSBC Bank, thereafter, Supplier may provide special pricing should you continue with the same SIM Card. SIM card is for use in USA only. Requires 4G and above compatible handset. Plan — 2 GB data + unlimited calls to over 190 countries as determined by Supplier + 200 texts messages. Additional data rate charges from Supplier may apply pursuant to your agreement with Supplier. HSBC Bank, and its respective parents, subsidiaries and affiliates are not responsible for these charges. Card is valid for 30 days from time of activation as calculated by Supplier; Subject to Supplier, SIM Card can be extended for 30-day increments within 5 days of each expiration date of SIM Card and becomes non-renewable at 5 days past expiration. Automatic 30-day increment renewal may be available through Supplier. HSBC Bank, and its respective parents, subsidiaries and affiliates make no guarantees, warranties or representations of any kind, expressed or implied, with respect to such services and/ or items, and shall not be liable for any loss, expense, accident or inconvenience that may arise in connection with the use of such services and/or items, or as a result of any defect in or failure of such services and/or items. Not exchangeable, refundable, or redeemable for cash or credit under any circumstances and are not replaceable in the event of loss, destruction after issuance or expired (if applicable). HSBC Bank reserves the right to change or terminate this offer at its sole discretion.

4 Accounts eligible for Global Transfers include all HSBC deposit accounts, except for CDs. All HSBC accounts, however, are viewable within Global View.

You will earn 1.5 Cash Rewards per dollar on all new purchases. Cash Rewards can be redeemed as cash back. Cash Rewards do not apply to account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Cash Rewards Mastercard® credit card Student Account must be open and in good standing in order to earn Cash Rewards.

No credit history required; however, applicant must meet the eligibility requirements for the HSBC Cash Rewards Mastercard® credit card Student Account.

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

8 Data rate charges from your service provider may apply.  HSBC Bank USA, N.A. is not responsible for these charges.  Camera-in device required to be able to utilize HSBC Mobile Check Deposit. Deposit amount limits may apply.  HSBC Mobile Banking App is available for iPhone®, iPad®, AndroidTM devices and must be downloaded from the App StoreSM or Google PlayTM.

9 HSBC offers the Modules for educational purposes only and they should not be considered professional or investment advice. While HSBC is pleased to offer the Modules as an educational service to our customers, HSBC does not guarantee, warrant or recommend the opinion or advice or the product and/or services offered or mentioned in these Modules. Any opinions, judgments, advice, statements, services, offers or other information presented within a Modules are those of a third party and not HSBC. For a comprehensive review of your personal finances, always consult with a tax or legal advisor. Neither HSBC, nor any of its representatives may give legal or tax advice.

10 To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and maintain:

• Balances of $75,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investment* accounts; OR

• Monthly recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier checking account(s); OR

• HSBC U.S. residential mortgage loan with an original loan amount of at least $500,000, not an aggregate of multiple mortgages. Home Equity products are not included.

• Consumers who maintain Jade status.

A monthly maintenance fee of $50 will be incurred if one of these requirements is not maintained.  

11 To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account and maintain:

• Balances of $5,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investment* accounts; OR 

• Monthly recurring direct deposit from a third party to an HSBC Advance checking account; OR

• An HSBC U.S. residential mortgage loan. Home Equity products are not included.

A monthly maintenance fee of $25 will be incurred if one of these requirements is not maintained.

iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries.

Android and Google Play are trademarks of Google LLC.

App Store is a service mark of Apple Inc.

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.

* Investment and certain insurance products, including annuities, are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of HSBC Bank USA, N.A.

Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for property located in the U.S. Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be canceled or are subject to change at any time and cannot be combined with any other offer or discount. 

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

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