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Real time transfers & payments

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

Your payee’s bank must participate in RTP

Set up new payees in Personal Internet Banking first

Real-time payments are only available by using the HSBC Mobile Banking App

  • After you set up your payee, use the HSBC Mobile Banking App to send transfers or payments in seconds. You’ll need to log on using two-factor authentication, using an HSBC Security Device or facial recognition/fingerprint to sign-in.

  • 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.

How to make a real-time payment

Set up a new payee in Personal Internet Banking

  1. Log on to Personal Internet Banking
  2. If the sending and receiving bank accounts are both in your name, and are at U.S. banks, follow these instructions for adding a payee. If you’re wiring money to company or person at a U.S. bank, follow these instructions for adding a payee.

 

Use the mobile app to make a real-time payment/transfer

After you set up your payee, use the HSBC Mobile Banking App to send transfers or payments in seconds.

  1. Log on to the HSBC Mobile Banking App with Face ID® or Touch ID® for Apple, Fingerprint IDTM for Android, or using your Digital Security Device passcode
  2. Tap on the ‘Move Money’ icon in the mobile app to initiate your transfer or payment.
  3. 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.

We're here to help.

Our Customer Service is always available by Web Chat. You can also connect by selecting ‘Chat Now’ in the HSBC Mobile Banking App.

Or call us at 800.975.4722. Representatives are available Monday - Sunday, 7am – 12am ET.

More information about RTP can be found in the Rules For Consumer Deposit Accounts.

Common Questions

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.

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