Information Density: HSBC USA – Signal Evidence & AI Readability

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Earn a $50 bonus with Global Money Transfers

Earn $50 when you send $5,000 USD equivalent or more in a foreign currency with Global Money Transfers and meet qualifying activities. Offer ends August 31, 2026.

Find out more
Find out more about Global Money Transfer This link will open in a new window

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Premier Relationship Savings

Earn our best savings rate for an Introductory Period when you open a Premier Relationship Savings account and link it to an eligible Premier checking account.

Explore Premier Relationship Savings

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Financial planning

Work with a Wealth Relationship Manager to assess your current finances and develop a personalized financial plan.
Investments are not insured by the FDIC; are not deposits; and may lose value.

Get started today

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Our products and services

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Banking

Premier checking

Savings

Compare our savings accounts

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Wealth and investing

Financial planning

Investments

Insurance

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International

International services

Apply for accounts outside the U.S.

Living in the U.S.

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Borrowing

Credit cards

Mortgages

U.S. mortgages for foreigners

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Explore more

Discover our Premier checking account, international banking benefits and options for growing your wealth.

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Premier checking

Get the account that takes care of more than just your money, with health, wealth, travel and international benefits for you and your family.

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International services

Whether you're looking to move, study or invest in the U.S. or around the world, we can help you bank more easily, wherever you are.

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Advisory solutions

Custom asset allocation helps you stay focused on long-term investment goals through changing market conditions.

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HSBC Elite credit card

Designed to enhance your lifestyle and elevate your travel experiences.

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Help and support

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Ways to bank

Mobile banking

Online banking

Register for digital banking

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Fraud and security

How to protect yourself

Fraud and security support

Report fraud

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Resolve an issue

Help center

Manage your credit card

Contact us

[IMG: Global Retail Banking Innovation Awards 2025 logo]

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HSBC Global Money Transfers is award-winning

Send money internationally with the 'Best Cross-Border Payments Platform', awarded at the 2025 Global Retail Banking Innovation Awards.

Send money internationally

[H2] Disclaimers

HSBC, we, our, or us refers to HSBC Bank USA, N.A. Member FDIC, HSBC Securities (USA) Inc. Member NYSE/FINRA/SIPC (www.sipc.org/), and HSBC Insurance Agency (USA) Inc. HSBC Bank USA, N.A. provides banking products and services. HSBC Securities (USA) Inc. provides investment products and services and is an affiliate of HSBC Bank USA, N.A. HSBC Insurance Agency (USA) Inc. provides insurance products and services and is a wholly owned subsidiary of HSBC Bank USA, N.A.
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 your product requires a contract, application, disclosure, or other document/video to be signed, such document(s)/video(s) will be deemed executed in the U.S. and only acted upon after you have signed them and they have been received by HSBC in the U.S. 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 US 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 us.hsbc.com/crossborder.
Investment, annuities, and variable life insurance products are offered by HSBC Securities (USA) Inc. (HSBC Securities), member NYSE/FINRA/SIPC (www.sipc.org/). In California, HSBC Securities conducts insurance business as HSBC Securities Insurance Services. License #: OE67746. HSBC Securities is an affiliate of HSBC Bank USA, N.A. Whole life, universal life, term life, and other types of insurance are offered by HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, N.A. Products and services may vary by state and are not available in all states. California license #: OD36843.
Investments, Annuity and Insurance Products: Are not a deposit or other obligation of the bank or any of its affiliates; Not FDIC insured or insured by any federal government agency; Not guaranteed by the bank or any of its affiliates; and may lose value.
All decisions regarding the tax implications of your investment(s) should be made in consultation with your independent tax advisor.
Research backgrounds of brokers and firms for free by visiting FINRA's BrokerCheck website at brokercheck.finra.org.
HSBC Securities (USA) Inc. is a member of SIPC. Information regarding SIPC, including a SIPC brochure, may be obtained by contacting SIPC via www.sipc.org or by telephone (202) 371-8300. An investment in a bank deposit program insured by the Federal Deposit Insurance Corporation (FDIC) is covered by FDIC insurance (up to allowable limits), but not eligible for SIPC coverage. Please review your statement for additional information on the sweep product in your brokerage account.
HSBC credit cards are issued by HSBC Bank USA, N.A., subject to credit approval and requires a U.S. HSBC checking account relationship. To learn more, speak with an HSBC representative.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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Wealth Center Locator

Find your nearest HSBC Wealth Center/ATM or surcharge-free Allpoint ATMs.

Park Avenue Wealth Center relocation

Park Avenue Wealth Center is moving from 250 Park Avenue, New York, NY 10177 and will close at 12pm ET on June 18, 2026. Our new Wealth Center at 430 Park Avenue, New York, NY 10022 will open at 9am ET on Monday June 22, 2026.

For any urgent banking needs, or if you need to chat with us, please use mobile or online banking.

close

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Allpoint ATM Network

HSBC is part of the Allpoint1 network of 55,000 ATMs worldwide, located in many of the top retailers.

Find ATMs
Find ATMs This link will open in a new window

Frequently Asked Questions about the Allpoint network

[IMG: Allpoint logo]

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Find an HSBC Wealth Center or ATM

[H2] Branch Locator

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You might also be interested in

Savings

Learn about our savings accounts and apply for an account online.

Credit cards

Enjoy a competitive range of rewards and benefits that complement your lifestyle.

Mortgages

Home loans to suit your personal needs.

Financial planning

Work with a Wealth Relationship Manager to assess your current finances and develop a personalized financial plan.
Investments are not insured by the FDIC; are not deposits; and may lose value.

1 ATM National, LLC, dba Allpoint
Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC

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Contact us

There's a range of ways to get in touch with us - find the right one for you.

Fraud warning

We’ve received reports that criminals are impersonating HSBC Fraud Staff, attempting to create a sense of urgency by saying suspicious activity has occurred on the account.

HSBC will never call you and ask for your account number, passwords, PINs, card expiration date or digital one-time passcodes. If you receive this type of call, hang up and review your account activity in mobile or online banking. You can report any unrecognized activity to us through our online chat or by calling a trusted phone number.

Park Avenue Wealth Center relocation

Park Avenue Wealth Center is moving from 250 Park Avenue, New York, NY 10177 and will close at 12pm ET on June 18, 2026. Our new Wealth Center at 430 Park Avenue, New York, NY 10022 will open at 9am ET on Monday June 22, 2026.

For any urgent banking needs, or if you need to chat with us, please use mobile or online banking.

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Find the help you need

If you need support, there are many ways to get in touch with us. You can chat online or call us 24/7, contact your Relationship Manager, or visit us in person.
Chat is not available for investment or insurance products/services. You'll need to call us or visit a Wealth Center instead.
We also have a range of useful content to help solve your query quickly, including articles and frequently asked questions.

Explore our help center

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HSBC U.S. Mobile Banking App[@dataratecharges] - the easiest way to get in touch

If you're already an HSBC client, you can get in touch through the app 24/7.

Start a secure conversation with our agents with ease

Find your Relationship Manager's contact details

Continue chat conversations in online banking, with access to the full conversation history

Click to Call us to bypass the automated system and speak directly with a live agent in your preferred language. Approximate wait time will be provided if there is a wait

Browse helpful support topics

Find out more about our app

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Chat with us online

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Web Chat

If you don't have the mobile app or prefer to use online banking, you can contact us through Web Chat, 24/7.
You may need to verify your identity with our agents when conversations involve account-specific questions
You can continue Web Chats in the mobile app, with access to the full conversation history

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Apple Business Messages®

You can use Apple Business Messages to send us text messages at your own pace 24/7.
Available for Apple® devices only
You will need to verify your identity with our agents when conversations involve account-specific questions
You can access chat history in the Apple Messages app and continue prior Apple Business Messages conversations

Find out more about Apple Business Messages

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Other ways to contact us

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Call us about HSBC Premier

If you need help with your HSBC Premier account, you can get in touch by phone.

Call us at:
888.662.4722

Outside the US or Canada:
716.841.6866

Available 24/7

[H3] Other phone numbers

Personal Banking:
800.975.4722

Outside the US or Canada:
716.841.7212

Monday to Sunday 7am to 9pm ET

Mortgage customer service:
855.527.8400

Outside the US or Canada:
847.320.6200

Monday to Friday 8am to 8pm ET, Saturday 8am to 5pm ET

Premier Mortgage customer service:
855.806.4660

Outside the US or Canada:
716.841.7212

Monday to Friday 8am to 8pm ET, Saturday 8am to 5pm ET

Private Bank Mortgage customer service:
855.806.4664

Outside the US or Canada:
716.841.7212

Monday to Friday 8am to 8pm ET, Saturday 8am to 5pm ET

Lost or stolen cards:
800.462.1874

Outside the US or Canada:
716.841.7212

Available 24/7

[H3] Visit us in person

If you'd prefer to speak with us in person, you can visit your nearest Wealth Center or mortgage office.

HSBC Wealth Center locator

HSBC mortgage offices

[H3] Write to us

HSBC Customer Service
HSBC Bank USA, N.A. P.O. Box 9 Buffalo, NY 14240
Premier Banking
HSBC Premier Service Center. P.O. Box 22 Buffalo, NY 14240
Mortgages
HSBC Bank USA, N.A. Mail stop 1290 1 Corporate Drive, Suite 360 Lake Zurich, IL 60047-8945

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Feedback and complaints

Your views are key to improving the products and services we offer. Find out more about the complaints process and how to give your feedback.

Submit a complaint

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Important information

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

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Move money

Find the best way to transfer money to yourself and others.

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What would you like to do today?

Move money internationally
Move money within the U.S.

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Earn a $50 Cash Bonus with award-winning[@award-winning-gmt] Global Money Transfers

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Send a Global Money Transfer in a foreign currency with a value of $5,000 USD equivalent or more and complete other qualifying activities to receive a $50 Cash Bonus. Offer ends August 31, 2026.

Find out more
Find out more This link will open in a new window

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Terms and conditions apply[@gmt-offer-t-and-c].

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Move money internationally

If you're looking to send money internationally, we have several options depending on the recipient, amount and how you want to do it.

Transfer type
Transfer to
Transfer limit
Transfer time
How to transfer
Transaction frequency

Global Transfer Move money between your linked HSBC accounts.
Your HSBC accounts
200,000 USD (or equivalent) per day[@gmt-transaction-times-limits]
Immediate
Mobile banking Online banking
One-off Recurring
Global Money Transfer Send money internationally from your Global Money Account, checking account or savings account with no HSBC fees.
HSBC and other banks
250,000 USD (or equivalent) per day[@gmt-transaction-times-limits]
Up to 3 business days[@gmt-transaction-times-limits]
Mobile banking
One-off
Wire transfer Make payments from your checking or savings account with no transaction limits.
HSBC and other banks
Unlimited
Up to 7 business days
Online banking
One-off Recurring

Transfer type
Global Transfer Move money between your linked HSBC accounts.

Transfer to
Your HSBC accounts

Transfer limit
200,000 USD (or equivalent) per day[@gmt-transaction-times-limits]

Transfer time
Immediate

How to transfer
Mobile banking Online banking

Transaction frequency
One-off Recurring

Transfer type
Global Money Transfer Send money internationally from your Global Money Account, checking account or savings account with no HSBC fees.

Transfer to
HSBC and other banks

Transfer limit
250,000 USD (or equivalent) per day[@gmt-transaction-times-limits]

Transfer time
Up to 3 business days[@gmt-transaction-times-limits]

How to transfer
Mobile banking

Transaction frequency
One-off

Transfer type
Wire transfer Make payments from your checking or savings account with no transaction limits.

Transfer to
HSBC and other banks

Transfer limit
Unlimited

Transfer time
Up to 7 business days

How to transfer
Online banking

Transaction frequency
One-off Recurring

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Move money within the U.S.

If you're looking to send money within the U.S., we have several options depending on the recipient, amount and how you want to do it.

Transfer type
Transfer to
Transfer limit
Transfer time
How to transfer
Transaction frequency

Bill Pay Pay a person or company.
Any U.S. bank account
$100,000 per payment $999,000 per day
2 to 5 business days
Mobile banking Online banking
One-off Recurring
Zelle® Send money to other Zelle® users[@zelle-accounts] from our mobile app.
Any enrolled user with a U.S. bank account
$2,000 per day $6,000 per rolling 30 days
In minutes
Mobile banking
One-off Recurring
Wire transfer Send money from your checking or savings account with no transaction limits.
Any U.S. bank account
Unlimited
1 to 2 days
Online banking
One-off Recurring
Real-Time Payments (RTP®) Make instant payments to eligible payees at other banks.
Non-HSBC accounts (eligible payees only)
$2,500 per payment $5,000 per day
Immediate
Mobile banking Online banking
One-off
Bank-to-bank transfer Move money to your accounts at other U.S. banks.
Your non-HSBC accounts
$50,000 per day $350,000 per month
3 business days
Online banking
One-off Recurring
Internal transfer Move money between your U.S. HSBC accounts.
Your U.S. HSBC accounts
Unlimited
Immediate
Mobile banking Online banking
One-off

Transfer type
Bill Pay Pay a person or company.

Transfer to
Any U.S. bank account

Transfer limit
$100,000 per payment $999,000 per day

Transfer time
2 to 5 business days

How to transfer
Mobile banking Online banking

Transaction frequency
One-off Recurring

Transfer type
Zelle® Send money to other Zelle® users[@zelle-accounts] from our mobile app.

Transfer to
Any enrolled user with a U.S. bank account

Transfer limit
$2,000 per day $6,000 per rolling 30 days

Transfer time
In minutes

How to transfer
Mobile banking

Transaction frequency
One-off Recurring

Transfer type
Wire transfer Send money from your checking or savings account with no transaction limits.

Transfer to
Any U.S. bank account

Transfer limit
Unlimited

Transfer time
1 to 2 days

How to transfer
Online banking

Transaction frequency
One-off Recurring

Transfer type
Real-Time Payments (RTP®) Make instant payments to eligible payees at other banks.

Transfer to
Non-HSBC accounts (eligible payees only)

Transfer limit
$2,500 per payment $5,000 per day

Transfer time
Immediate

How to transfer
Mobile banking Online banking

Transaction frequency
One-off

Transfer type
Bank-to-bank transfer Move money to your accounts at other U.S. banks.

Transfer to
Your non-HSBC accounts

Transfer limit
$50,000 per day $350,000 per month

Transfer time
3 business days

How to transfer
Online banking

Transaction frequency
One-off Recurring

Transfer type
Internal transfer Move money between your U.S. HSBC accounts.

Transfer to
Your U.S. HSBC accounts

Transfer limit
Unlimited

Transfer time
Immediate

How to transfer
Mobile banking Online banking

Transaction frequency
One-off

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Frequently asked questions

[H3] What is the fastest way to transfer money?

If you're sending money internationally, Global Money Transfers or Global Transfers are your best options.
For domestic transfers, Zelle® and internal transfers between your HSBC accounts are immediate. If the recipient's bank is part of the Real-Time-Payment (RTP®) network, then you can also send payments right away via bank to bank transfers or domestic wire transfers. (You will need to complete one non-RTP® payment to your recipient before you can use Real-Time Payments®).

[H3] What should I consider when setting up a recurring international payment?

Here are some things to consider before setting up a recurring international payment:
Exchange rates - Online platforms like Global Money and Global Transfer offer real-time exchange rates[@exchrate90sec], so you know how much you're sending. Rates can always change over time and small fluctuations may affect recurring payments
Tax reporting - Regular cross-border payments may trigger tax reporting in some countries
Charges from the receiving bank - We don't charge a fee but other banks may charge to accept the payment

[H3] What should I consider when choosing how to transfer money?

The key things to consider are:
Are you sending the money within the U.S. or internationally?
How quickly do you need it to arrive?
How much are you sending?
Are you transferring between your own accounts, or paying someone else? Is the account with HSBC?
Do you want to use the mobile app, online banking, or a different channel?
Are you paying a bill?
Is it a recurring payment?
The answers to these questions will help you decide the best payment method for you.

[H3] How much does it cost to send money?

We don't charge fees to send money within the U.S. We also won't charge you to send money abroad with Global Money Transfers, Global Transfers or wire transfers. However, receiving or intermediatory banks may charge a fee.

[H3] When sending money internationally, what are the benefits of sending in foreign currency vs USD?

Sending money in your recipient’s local currency offers several advantages over sending in USD:
1. Faster and smoother processing
Payments sent in the local currency are less likely to be delayed or rejected by the receiving bank. Many banks prefer or require payments in their domestic currency, which can help avoid unnecessary hold-ups.
2. Cost savings for the recipient
If you send USD to a country where USD isn’t the standard currency, the recipient’s bank will convert the funds - often at less favourable exchange rates and with additional fees. Sending in local currency means you control the conversion rate and can often secure a better deal.
3. Greater transparency
You’ll know the exact amount the recipient will receive, as the currency conversion happens upfront. This avoids surprises for the recipient and makes budgeting easier for both parties.
4. Easier for the recipient
Recipients appreciate receiving funds in their own currency, as it’s immediately usable and avoids the hassle of conversion. This can be especially important for business payments, payroll, or supplier settlements.
5. Compliance and local requirements
Some countries have regulations that restrict or complicate the receipt of foreign currencies. Sending in local currency helps ensure compliance and reduces the risk of regulatory issues.
For example, if you're sending money to a family member in India, sending INR instead of USD means they receive the exact amount agreed upon, without worrying about conversion rates or bank fees.
Our article on smart ways to transfer money internationally explains the benefits of sending money abroad in your recipient's local currency.

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Banking from the palm of your hand

Manage your accounts easily and securely with the HSBC U.S. Mobile Banking app. Discover an ever-growing range of features to make your banking more convenient wherever you are.

Download the app

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You might also be interested in

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Mobile banking

Do all your banking quickly, easily and securely from your phone.

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Online banking

Log on to access your bank accounts securely, whenever you want, wherever you are.

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International services

Whether you're looking to move, study or invest in the U.S. or around the world, we can help you bank more easily, wherever you are.

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Additional information

[H2] Disclaimer

Terms and conditions apply. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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