Zelle® - coming soon

You can send, request, or receive money with Zelle®. To get started, log on to the HSBC U.S. Mobile Banking app. Select 'Move Money', then select 'Zelle®'.

Sending money

To send money using Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit 'Send'. The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. The money will be available to your recipient in minutes if they're already enrolled with Zelle®.

Requesting money

To request money using Zelle®, choose 'Request', select the person from whom you’d like to request money, enter the amount, include an optional note, review and hit 'Request'. If the person you're requesting money from is not yet enrolled with Zelle®, you'll need to use their email address to request money. If they've enrolled their U.S. mobile number, you can use this for the request.

Receiving money

To receive money, just share your enrolled email address, U.S. mobile number or Zelle® QR code with a friend and ask them to send you money with Zelle®. If you've already enrolled with Zelle®, you don't need to do anything else. The money will be sent directly into your HSBC account, typically within minutes.

If someone has sent you money with Zelle® and you've not yet enrolled, follow these steps:

Keeping your money and information secure is a top priority for HSBC. When you use Zelle® within our app, your information is protected with the same technology we use to keep your HSBC account safe. 

Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor[@zelle-accounts].

Since money is sent directly from your HSBC account to another person’s bank account within minutes[@zelle-accounts], Zelle® should only be used to send money to friends, family and others you trust.

If you don’t know the person or are unsure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).

Neither HSBC nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for, or the item is not as described. Only send money to people and small businesses you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money. 

Please contact our customer support team at 877-826-8663. Certain imposter scams may be eligible for reimbursement. 

In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S. 

No, Zelle® payments cannot be reversed or cancelled.

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select 'Cancel This Payment.' If you don't see this option available, please Chat with us for assistance.

If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and to ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, please Chat with us immediately to see what options are available.

No, we don't charge any fees to use Zelle® in the HSBC U.S. Mobile Banking app. 

Zelle® QR code provides peace of mind, knowing you can send money to the right person, without having to type in their details.

To receive money, share your Zelle® QR code with the person sending you the money. To find your Zelle® QR code:

To send money using a Zelle® QR code:

When sending money to someone new, it's important to confirm the recipient is correct by reviewing the displayed name before sending money.

Yes, but an email address or mobile number can only be registered with one bank at a time.

If your details are registered elsewhere, you can use a different U.S. mobile number or email address to enroll with Zelle® at HSBC.

You could also move your email address or number to HSBC by adding your details in the HSBC U.S. Mobile Banking app. Simply follow the 'receive money' instructions.