HSBC Mobile Banking Overview
What is Mobile Banking?
HSBC Mobile Banking lets you access and manage your HSBC accounts anytime from your mobile device using the HSBC Mobile Banking App1. You will have the opportunity to:
- View your account balances and transaction history
- Use Global View to monitor your eligible international HSBC accounts
- Transfer funds between your eligible HSBC accounts
- Use Global Transfers2 to move money from eligible HSBC US deposit accounts to your HSBC accounts in other countries using supported mobile devices. (Please note, Global Transfers is not supported on Android tablets or Apple iPads)
- Pay bills to virtually anyone in the US
- Send and receive secure messages
- Deposit checks remotely by taking a picture of the front and back of your check
- Manage your credit card by making payments from any bank account, view account activity, including pending card transactions in real-time, sign up for AutoPay and alerts, request balance transfers and more.
What type of mobile devices support the HSBC Mobile Banking app?
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iPhones and iPads with an operating system of iOS® 15 or higher. Customers can check which iOS version they have within their Apple device settings
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Android™ devices with an operating system of 9 and higher
How do I download the HSBC Mobile Banking App?
Setting up the mobile app takes just a few minutes. Search for ‘HSBC US’ in the App StoreTM or Google PlayTM, download and open the app, and follow the on-screen instructions to set up your security information. If you're an existing Personal Internet Banking customer, you can log on to the mobile app using the same username and password.
Are there any fees to use the HSBC Mobile Banking App?
There are no fees to use the mobile app. Data charges from your mobile service provider may apply. HSBC is not responsible for these charges.
Can I use the HSBC Mobile Banking App outside of the US?
The mobile app is available outside of the US, but is dependent on the availability of your mobile service provider's geographical coverage. We recommend that you check your roaming coverage and charges prior to travel outside of the US.
Please note: HSBC reserves the right to cancel transactions at its discretion when initiated outside of the US.
Why are some mobile features available in other countries and not in the US?
HSBC Group's offerings differ from country to country. As a result, what you can access in the mobile app also varies, and not all features are available in all countries. We will continue to add features and services to the mobile app in the US.
Understanding features
How do I log off of the HSBC Mobile Banking App?
Select 'Profile' and then 'Log off'.
If I have HSBC accounts with other countries, can I access those accounts from the HSBC Mobile Banking App?
To access your accounts in countries other than the US, you should download the HSBC Mobile Banking App for that specific country.
Secure Log on with Mobile Banking
Do I use the same log on details for the HSBC Mobile Banking App and Personal Internet Banking?
When you log on to the HSBC U.S. Mobile Banking app to create a Digital Security Device, you'll use the same username and password as Personal Internet Banking. Once you're in the app, you'll create a PIN that can be used the next time you log on. You'll also have the option to enable face or fingerprint recognition to access the mobile app quickly and securely.
Can I change my HSBC log on details in the mobile app?
No. For your protection, log on details can only be changed by logging on to Personal Internet Banking from your computer.
However, you can change your Digital Security Device PIN in the app by selecting 'Log on with PIN' on the log on screen, then 'Forgot your PIN?' on the next screen.
Transfers
What types of transfers can be initiated in the mobile app?
You can perform immediate transfers* between your HSBC checking, savings, credit card and/or line of credit accounts in the mobile app.
*Transfers completed on a business day from your Credit Card or Select Credit accounts after 4pm ET, or on a Saturday, Sunday or federal holiday will be processed within two business days, but will be reflected immediately in your available credit.
Transfers completed on a business day from a checking and savings accounts after 10pm, or on a Saturday, Sunday or federal holiday will be processed on the next business day, but will be reflected immediately in the available balance.
Can transfers be cancelled or changed in the mobile app?
No. However, you can cancel or change a transfer when you log on to Personal Internet Banking from your computer or laptop.
What if a transfer cannot be processed accordingly as requested?
You will receive a secure message within the mobile app or Personal Internet Banking if a transfer cannot be processed.
Bill Pay
Can I pay bills in the mobile app?
Yes. You can conveniently pay bills to virtually anyone in the US, 24 hours a day in the mobile app.
Can I set up a new bill payment payee in the mobile app?
You can add an Institutional Bill Payee within the mobile app, for example a mobile phone company.
To add an individual to your payees list, you must log on to online banking and add the payee. Once individual payee has been set up, you can make or schedule payments to that payee using the HSBC Mobile Banking app..
Can I change or cancel a bill payment in the mobile app?
No. However, you can cancel or change a bill payment when you log on to online banking through your computer or laptop.
What is the cut-off time for bill payments?
Bill Payments scheduled before 4pm ET, Monday through Friday (excluding federal holidays), will be processed on that day. Payments scheduled after 4pm ET will be processed on the next business day.
We recommend you schedule your bill payments at least five business days before a payment is due.
Is there a fee for using Bill Pay?
No, Bill Pay is free for all HSBC customers.
How will I be notified if there are any issues with my bill payments and how do I report an issue?
You will receive a secure message within the mobile app or online banking if a bill payment cannot be processed. To report a Bill Pay issue, chat with us.
Security
Are account details stored on my mobile device?
No, HSBC does not store any account details on your mobile device.
What security measures can I take to protect my information when using the mobile app?
- Log off the mobile app when you’re finished
- Password-protect your mobile device
- Disable the ‘Password Save’ or ‘Auto Complete’ function in your browser
- Keep your username and password confidential; do not share this information with anyone.
- Do not allow anyone else's fingerprints to access your mobile device if you choose to enable fingerprint scanning to log on to the mobile app.
Additionally, we cover your banking transactions with HSBC's $0 Liability, Online Guarantee, so you can continue to safely perform transactions online.
For additional information about online security, visit HSBC's Security & Fraud Center.
What happens if my mobile device is lost or stolen?
If your mobile device is lost or stolen and/or you feel your log on credentials may have been compromised, please contact the Customer Relationship Center immediately.
We also recommend contacting your wireless service provider to have your device deactivated.
(iOS) As soon as possible, log on to iCloud (iCloud.com) and remotely wipe your device using the ‘Find my iPhone’ app. Select the lost device and erase its data.
(Android) As soon as possible, log on to your Google Account (android.com/find) and remotely lock or erase your device.
HSBC Mobile Check Deposit
What is HSBC Mobile Check Deposit and how does it work?
Mobile Check Deposit allows you to take a picture of the front and back of your endorsed check with the mobile app and your device's camera. Just select the account you want the check deposited into and enter the amount of the check. You then submit the transaction to HSBC through the mobile app and we will process the check. Make sure to write ‘mobile check deposit’ and the date on the front of the check, and save it for 90 days.
Who is eligible to use mobile check deposit?
HSBC Bank USA, N.A. customers who have an eligible HSBC savings or checking account. You must be registered for Personal Internet Banking and have downloaded a current version of the HSBC Mobile Banking App.
Is there a limit on the amount and number of checks I can deposit?
You can deposit as many checks as you would like as long as you do not exceed the daily and over 30-day period limits.
For HSBC Premier4: $25,000 daily and $50,000 over a 30-day period
For HSBC Advance9: $5,000 daily and $15,000 over a 30-day period
For Personal Banking: $4,000 daily and $10,000 over a 30-day period
What types of checks can I deposit?
Only checks drawn on a US institution can be deposited. You cannot deposit traveler’s checks or international checks.
How will I know if there is a problem with my mobile check deposit after I submit it?
If a problem arises with your deposit, such as a returned check, we'll send a written notice to your primary address by US mail.
What should I do with my paper check?
You must write ‘mobile check deposit’ and the date on the front of the check, and save it for 90 days. After 90 days you should destroy your check.
When will my funds be available?
Checks deposited before 10pm ET on a business day will have that day as the day of deposit. Deposits made after 10pm ET will be considered to be made on the next business day. Funds deposited may not be immediately available for withdrawal and will be made available based on the Funds Availability section of the Rules for Consumer Deposit Accounts.
How do I get the best image of the check?
Place the check on a dark, unreflective background/surface when taking photo. Be sure to place the check flat on the surface and make sure all four corners of the check are visible inside the white and green box.
Are there fees for using mobile check deposit?
No. However, data rate charges from your service provider may apply. HSBC Bank USA, N.A. is not responsible for these charges.
Touch ID/Face ID or fingerprint ID for HSBC
What is Touch ID and Fingerprint ID log on, and can I use it to log on to the HSBC Mobile Banking App?
Touch ID on Apple, and Fingerprint ID on AndroidTM, are fingerprint recognition features available on certain mobile devices, allowing you to log on to the mobile app using just your fingerprint, instead of your Digital Security Device Passcode. Touch ID is available on iPhone 5s and newer, and Fingerprint ID is available on devices running Android 8 and later.
What is Face ID and can I use it to log on to the HSBC Mobile Banking App?
Face ID is a facial recognition feature available on certain Apple devices, allowing you to log on to the mobile app using just your face, instead of your Digital Security Device Passcode. Face ID is supported on iPhone X (and any future iPhones with Face ID capabilities).
How do I switch to Touch ID/Face ID or Fingerprint ID when I am using my Security Device Passcode to log on to the mobile app?
To enable Touch ID/Face ID or Fingerprint ID on the mobile app, go to the ‘Profile’ tab, select ‘Security’ and tap ‘Touch/Face ID’ or ‘Fingerprint’ ID button. For more details please refer to the Terms and Conditions.
Can I use Touch ID to log on if I have someone else’s fingerprints stored on my device?
When you enable Touch ID log on, any fingerprint stored on your device now or in the future can be used to log on to the mobile app. You should only enable Touch ID if you are the only person who has registered fingerprints on your device. You can add or remove fingerprints in your device settings.
If the mobile app does not recognize my fingerprint or face, can I still log on?
Yes, but after three failed attempts to recognize your fingerprint or face ID, you will need to use your Digital Security Device Passcode instead.
How can I disable Touch ID/Face ID or Fingerprint ID?
Log on to the mobile app, go to the ‘Profile’ tab, select ‘Security’ and tap the ‘Touch/Face ID’ or ‘Fingerprint ID’ button.
Will my fingerprint or face be stored in the mobile app or anywhere else within HSBC?
No. For more details please refer to the Terms and Conditions.
1 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 StoreTM or Google PlayTM.
2 Global View and Global Transfers are only available for HSBC Premier and existing HSBC Advance 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 Accounts eligible for Global Transfers include all HSBC deposit accounts, except for CDs. Federal Reserve Reg D Transaction Limitations apply. All HSBC accounts, however, are viewable within Global View.
4 To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and meet one of the following requirements. A monthly maintenance fee5 of $50 will be incurred if at least one of these requirements is not maintained. Refer to your ‘HSBC Premier Terms and Charges Disclosure’ for full details.
- Balances of $100,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investment6 accounts; OR
- Monthly recurring direct deposits7 totaling at least $5,000 from a third party to an HSBC Premier checking account(s); OR
- Any HSBC U.S. residential mortgage loan serviced by HSBC. Home Equity products, loans that are in foreclosure or bankruptcy, and loans for which servicing rights have been transferred are not included
- Consumers who maintain Private Bank status8
5 You will not be charged a Monthly Maintenance Fee for the calendar month in which you open your account and the following 3 calendar months (together, the “Waiver Period”), whether you meet the qualifying criteria or not. If immediately after the “Waiver Period”, you have not met one of the HSBC Premier qualification criteria and your HSBC Premier checking account is charged 3 consecutive Monthly Maintenance Fees, your account will be closed. In addition, any other checking, savings, credit card and Global Money Accounts that you own will be closed, unless you (or a joint account holder on those accounts) hold a different HSBC Premier checking account.
6 Investment and annuity products are offered by HSBC Securities (USA) Inc. (HSBC Securities), member NYSE/FINRA/SIPC. HSBC Securities is an affiliate of HSBC Bank USA, N.A.
7 Qualifying direct deposits are electronic deposits of regular periodic payments (such as salary, pension, Social Security, or other regular monthly income) deposited through the Automated Clearing House (ACH) network to this account by your employer or an outside agency (please check with your employer or outside agency to determine if they use the ACH network). Direct deposits that do not qualify include but are not limited to transfers from one account to another, mobile deposits, or deposits made at a Wealth Center or ATM.
8 To become an HSBC Private Bank customer, you must be invited and reviewed on an individual basis. See your Relationship Manager for details.
9 The HSBC Advance Checking account is no longer offered.
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.
iOS is a trademark or registered trademark of Cisco in the U.S. and other countries
Apple, iPhone, iPad, Touch ID and Face ID 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 registered trademark of Apple Inc.
HSBC Credit Cards are issued by HSBC Bank USA, N.A., subject to credit approval and may require a U.S. HSBC checking account relationship. To learn more, speak with any HSBC Representative.
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.