Debit Cards

In China, you can use your HSBC Debit Card to withdraw cash in RMB at UnionPay ATMs or make purchases via UnionPay POS terminals. The amount will be debited from the primary RMB settlement account linked to your card. You can also use your card to withdraw cash in RMB from both your primary and supplementary RMB accounts at HSBC China ATMs.

Outside China, you can use your card to withdraw cash in the local currency at UnionPay (non-HSBC Group) ATMs or make purchases via UnionPay POS terminals. The amount will be debited from the primary RMB settlement account linked to your card. Subject to the local laws, you could also withdraw cash in the local currency from foreign currency accounts (if any) linked to your debit cards at HSBC Group ATMs outside China. Please note that ATMs in different countries and regions may offer different services, which could affect the transaction services available.*

Attention: At overseas HSBC Group ATMs (except in Taiwan) affiliated with the UnionPay network, you'll only be able to withdraw cash from a foreign currency account and the transaction will be processed through the HSBC global ATM network. So please make sure your debit card has been linked to a foreign currency account with sufficient available balance.

* Functions available may differ with each ATM. For more details, please refer to the HSBC China Debit Card Service Guide.

By default, your daily POS terminal spending limit is set as RMB50,000. This helps protect you from potential threats or losses in case your card is lost, stolen or used in another fraudulent way. Transactions exceeding the limit set cannot be completed.

If you need to reset or adjust this limit to meet your actual spending needs, you can apply to do so. Global Private Banking, Premier Elite customers can set a maximum limit of RMB5 million. For other customers, the maximum limit is RMB1 million.

A debit card can be linked to a maximum of three accounts; a primary account, a secondary account and third account (supplementary accounts).

When you travel overseas, you can withdraw the local currency of your destination country via UnionPay network ATMs from the RMB primary account linked to your card. Alternatively, you can withdraw via HSBC ATMs (with or without UnionPay logo) from the foreign currency account linked to your card. For more details, please refer to HSBC China Debit Card Service Guide.

If you want to withdraw cash from your designated foreign currency account, please take the following steps to adjust your supplementary account before your departure:

1. Apply to link the designated foreign currency account to your debit card as your second account. Please choose your designated foreign currency based on the destination country.

Your secondary account is the prioritised account from which you can withdraw cash at HSBC ATMs in some countries and regions, such as Canada, the UK and the US. In other countries or regions, you can choose whether your secondary or third account.

2. To finalise the change to your supplementary accounts, please use your debit card at HSBC China ATMs to complete any of the following actions; transactions, balance enquiry, cash withdrawal and screen language change.

If you want to change the supplementary accounts linked to your debit card, please contact our customer service hotline or visit an HSBC China branch in person with valid identification documents and your debit card. The primary account linked to the debit card can't be changed, therefore we suggest you choose your most commonly-used RMB account as the primary account, and choose other accounts as supplementary ones.

If you want to change the primary account, you will need to cancel your card and apply for a new one. To do so, please visit an HSBC China branch in person with valid identification documents and your debit card.

Attention: To finalise the change to your supplementary accounts, please use your debit card at HSBC China ATMs to complete any of the following actions: balance enquiry, cash withdrawal and screen language change.

What is PINless function?

PINless function is a quick payment solution jointly provided by UnionPay and HSBC. Through the Unionpay terminals of designated merchants, cardholders can make the transactions by tapping the debit card or mobile device with PINless function within RMB 1,000. and it requires no PIN or signature during the payment process. The issuing bank can set or adjust the functions including limit or scope, based on risk management policy. Currently, the Bank do not support this function when used debit card by overseas merchants. The issuing bank can set or adjust the functions including limit or scope, based on risk management policy. Currently, the Bank do not support this function when used debit card by overseas merchants.

How to use PINless

1. QuickPass
   Tap the debit card with contactless chip or ApplePay mobile device at the UnionPay POS terminals of designated merchants. PINless payment is not supported in the means of using magnetic stripe card or plugging in the chip.
2. Transaction limit control
   The PINless transaction limit and daily limit at domestic designated merchants are RMB 1,000 and 3,000 respectively by default.
   To ensure a consistent customer experience as well as a smooth process at merchants, the PINless transaction limit is not adjustable. The PINless transaction limit and daily limit is subject to the UnionPay announced amount.

Please contact HSBC China immediately.

HSBC 24-hour Premier customer service hotline:

400-820-8828

HSBC 24-hour Advance customer service hotline:

400-820-8878.

If you are calling from overseas, Hong Kong SAR, Macau SAR or Taiwan, please use the country code for mainland China: +86