Send and receive funds in real time using the HSBC Mobile Banking App1
HSBC is connected to the Real-Time Payments (RTP®) System, which will allow you to send and receive real-time payments within the U.S. in seconds from your HSBC Bank USA, N.A. checking and/or savings accounts (at no charge).
For one of your payees to be eligible to receive a real-time transfer or payment, you must have previously processed a Bank to Bank Transfer or Domestic Wire Transfer to that payee, and their bank must participate in the RTP System. Transactions are limited up to $2,500 per transaction, $5,000 daily (subject to change).
What you need to know
Set up new payees in Personal Internet Banking first
To add a new real-time payment payee, you must use Personal Internet Banking to set up and send the first payment.
Real-time payments are only available by using the HSBC Mobile Banking App
If your payee is eligible for a real-time transfer or payment, you’ll see their name when you initiate a transfer in the mobile app.
You’ll receive an instant confirmation that your payment was sent in your Messages inbox in the mobile app.
We're here to help.
Our dedicated Customer Relationship Center is always available by Live Chat or BankMail, our secure message tool through Internet Banking.
Or call us at 800.975.4722. Representatives are available Monday - Sunday 7AM – 12AM ET.
More information about RTP payments, effective April 20, 2020, can be found in the Addendum to the Rules for Consumer Deposit Accounts.
What is a real-time payment?
What is different about real-time payments?
How do I know if I received a real-time payment?
Who can I send a real-time payment to?
Which financial institutions use the RTP network?
How do I make a real-time payment?
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 StoreSM or Google PlayTM
iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries.
Android, Google Pay, and the Google Logo are trademarks of Google LLC.
App Store is a service mark of Apple Inc.
RTP® is a registered service mark of The Clearing House Payments Company LLC
Transfer limits apply, see Rules for Consumer Deposit Accounts
Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.