Debit Cards

In China, cardholders can withdraw cash in RMB at UnionPay ATMs, or make purchases via UnionPay POS terminals, in which case the primary RMB settlement account linked to their debit card will be debited. Cardholders may also withdraw cash in RMB from both primary and supplementary RMB accounts at HSBC China ATMs.

Outside China, cardholders may withdraw cash in local currency at UnionPay (non-HSBC Group) ATMs or make purchases via UnionPay POS terminals, in which case the primary RMB settlement account linked to the debit card will be debited. Subject to local laws, cardholders may withdraw cash in local currency from their foreign currency accounts (if any) linked to their debit cards at HSBC Group ATMs outside China. Functional variation in ATMs of different countries may also influence the available services of HSBC in daily transactions*.

Attention: For overseas HSBC Group ATMs with the UnionPay logo, the transaction will be processed through the HSBC global ATM network and you can only withdraw cash from your foreign currency account. If you want to withdraw cash through overseas HSBC Group ATMs (except for Taiwan area), please ensure your debit card has been linked with a foreign currency account with sufficient available balance.

*Please note that available functions also depend on the particular ATM. For details, please refer to the HSBC China Debit Card Service Guide.

A daily POS terminal spending limit is set to the debit card in order to protect you from potential threats or losses in case your card was lost, stolen or used in another fraudulent way. Large transactions exceeding the limit will not be completed. You can apply to reset or adjust the daily POS terminal spending limit (capped at RMB1million) based on your debit card usage and attitude to risk. We will by default apply a daily POS terminal spending limit of RMB50,000, if you don’t apply to set a limit.

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.

The secondary account enables you to withdraw cash via HSBC ATMs in various countries since it is the prioritised account for cash withdrawal via HSBC ATMs in some countries eg Canada, UK and USA. In other countries, you can freely decide which account you'd like to be debited, including 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.

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.

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
   PINless transaction can be proceeded with transaction amount up to RMB 1,000.

To protect the card holder's benefit, UnionPay set up a compensation mechanism for fraudulent PINless transactions. Card holders can be compensated for fraud loss of disputed transactions within 72 hours before calling hotline 95366 upon verification and confirmation by the issuing bank and UnionPay. The card holders can call 95366 to claim the loss and provide the required documents accordingly. The compensation amount is up to RMB 30,000 per year for each UnionPay card holder.

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.
Please dial the country code of mainland China +86 if you are calling from overseas, Hong Kong SAR, Macau SAR, or Taiwan