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Mobile Banking

HSBC China Mobile Banking helps you manage your personal account anytime, anywhere. Mobile Banking offers improved user experience, a variety of RMB/foreign currency transfer and remittance services, HSBC Global View and Global Transfer, investment and financial management, credit card services and other functions. It is your professional, safe and convenient financial assistant.

Feature highlights

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  • Interbank RMB transfer in real time for small amounts with free of charge. No restriction on weekend and holidays
  • Use facial recognition to complete safety verification and add new payee account
  • Enjoy global transfer and achieve real-time foreign currency cross-border transfers between your accounts.
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  • Structured Products have diversified structure for investment return. Explore sound investment plans for your demands.
  • QDII provides open-ended Offshore Funds/QDII Overseas Bonds across various asset classes, regions and currencies to capture global opportunities.
  • Wealth dashboard clearly presents real-time income from investment and changes on assets.
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Use real-time foreign exchange, and provide Foreign Exchange solutions with competitive exchange rates. Applying foreign exchange on digital channels can enjoy extra discount.

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Full services of credit cards are on Mobile Banking. Brand new interface, friendly user experience, easy registration process & one-stop services are tailor made for credit card customers. 

Points & best offers

Earn and use debit card points and credit card points (Chinese only) to redeem gifts and to learn about the latest best offers.

Online smart agent – Xiao Feng

If you have any questions or want to know more about our services and products, you can contact our smart agent “Xiao Feng”. It will provide 7x24 online services for you.

New features

Download our HSBC China mobile banking APP to enjoy the following services!

Basic account services

Logon HSBC mobile banking and enjoy below account services, details please refer to the information on each service page:

  • Card replacement (debit cards that have been damaged or reported for loss)
  • Upgrade qualified Advance account to Premier account
  • Book We Doctor health management services on Health Hub (exclusive to Premier Family account holders)

Online service  –  smart agent Xiao Feng & live chat

If you have any questions or want to know more about our products and services, please click on the customer service icon on top right of our service landing pages, or click on “Customer Service” button on “More” page. Our smart agent “Xiao Feng” will provide 7*24 online services for you. Live chat with our professional staffs will also be available from 9 am. to 9 pm. everyday, providing services on hot offers, account inquires, branch appointment, cash appointment, card report loss, credit card points, etc.

Online service smart agent – Xiao Feng

Online reactivation for dormant/unclaimed account

To easily manage your HSBC China accounts, if your account is dormant or unclaimed, you can log on mobile banking and go to “Local Accounts” page to quickly reactivate selected dormant or unclaimed account with easy steps*.

* If you have one of following situations, you need to visit any branch with the passport or ID card to reactivate accounts. If not, you can enjoy convenient online reactivation.

  • You don’t have any active account, but you are holding at least one dormant account. Also, you modified your phone number within last 60 days.
  • All accounts you are holding are unclaimed accounts. 
Online reactivation for dormant/unclaimed account

My payee

The “My Payee” menu will be separated from other menus on our mobile banking. The change will make it easy for you to manage your transfer payee list. You can select “All” on the home page and then select “My Payee” to enter the payee list menu.

Interbank transfer in real time for small amount of money

HSBC China has joined in “Electronic Banking Payment System” and mobile banking is now supporting real-time interbank transfer for small amounts in order to provide you more convenient transfer inward and outward services. Interbank RMB real-time transfer for no higher than RMB50,000 will have free of charge and will not be restricted by weekend and holidays (except system or clearing maintenance). What’s more, simplified transfer information allow you to select bank name directly from bank list (within the same “Electronic Banking Payment System”). When transferring inward, you can now input either HSBC China card number or account number to easily complete transfer request.

Online bank transfer in real time for small amount of money

Make RMB transfers with your mobile phone number

Thanks to the new feature in EBPS, HSBC China mobile banking now supports the mobile phone number RMB transfer in a safe, stable, and effective way. You’ll only need the mobile phone number and the name registered with the bank to either make payment or receive money. You don’t need to type in long account or card numbers that are difficult to remember. 

  • Users can arrange for money transfers using their mobile phone numbers across all bank accounts registered for this function  ( on the condition that the account holding banks support this function).
  • Only Mainland China residents and Mainland China phone numbers will be able to collect money using a registered mobile phone number. The HSBC junior account does not support money transfers and collections using mobile phone numbers.
  • The daily transfer limit is set at RMB10, 000, and this amount will be shared with the daily transfer limit to third party.

To register mobile number money receiving : Log On HSBC China Mobile Phone Banking-> CNY Transfer->Transfer settings -> Mobile number receiving settings

Mobile number receiving settings

To make mobile number transfer: Log On HSBC China Mobile Phone Banking-> CNY Transfer->Mobile Number Transfer

Mobile number transfer

Debit Card Lock

To keep your debit card more secured and away from unsafe transaction, you can now log on the HSBC Mobile bank, and lock your debit card in “Card & Account Settings”, choose the card, and finish the setting up in a few moment.

*Card Lock is only applicable to the current debit card, and will not affect any account.

  • You can choose to lock four kinds of transaction : Payment with card, Payment without card, ATM transaction, and oversea Transaction
  • You can choose everyday Lock Time (GMT +8)  based on your preference
  • If you wish to unlock the card, just get in the settings again, and switch off the lock instantly after completing the SMS verification
Debit card lock steps

Manage daily transfer limits

Nowadays, except going to Personal Internet Banking, you can also manage your daily transfer limits on mobile banking. It includes "transfer to my HSBC accounts" and "set daily limits by transfer type". But please kindly note that you can only decrease transfer limits on mobile banking. If you would like to increase it, you still need to go to sub-branch.

You can click on "More" item on bottom navigation, then select "Settings" and "Account Settings". You will find "Daily Transfer Limits" link and reach to the page by clicking it.

Daily Transfer Limits

HSBC “Step-up” Time Deposit online purchase

Want to have higher interest rate than that of HSBC’s board rate, but also want to early withdrawal? Go and purchase  HSBC “Step-up”Time Deposit on HSBC China mobile banking with easy steps. Having additional interest on the Top-up Amount for each term, more flexibility in interest settlement and minimum loss on early withdrawal, HSBC “Step-up” Time Deposit will be a good choice for your sound investment plan.

Click on “Time Deposits" on “Home” page to find the list of various HSBC “Step-up” Time Deposit products. You can go to “RMB Time Deposit Special Offer”page to know more about product information.

"Step-up" Time Deposit Online Purchase

View and redeem debit card points

If you are debit card customers, you can earn points by using debit card or participating activities. The points can be used to redeem gifts or get offers. 

If you are holding both debit card and credit card, you can acquire 2 types of points. Both points can be used together to apply for more delicate gifts and offers according to redemption rules.

Click on “My Points” on “Home” page or on “Credit Card” page to understand point changes and learn more about best offers.


View and redeem debit card points steps

Track home mortgage loan application process

You can easily track your home mortgage loan application process on HSBC China mobile banking, understand application status in time & support you to make “property dream" early come true.

Track home mortgage loan application process

Facial recognition

If you would like to add new payee account on mobile banking, now you can use facial recognition to complete safety verification instead of using token. Combining with recently released feature “ verifying by SMS verification code” feature (see below) , you can go through the whole transfer process, adding new payee account and transferring RMB, without using token if the daily accumulated transfer amount is no higher than RMB50,000.

Facial Recognition Features

3rd party payment with password & SMS as authentication for small amount transfers.

On our mobile banking, if you want to transfer RMB to other people and the daily accumulated amount is no higher than RMB50,000, you can use "log-on password" along with “SMS verification code” as authentication. If your RMB daily accumulated transfer amount is higher than RMB50,000, you still need your token to complete the transfers. 

HSBC Premier customers


HSBC Advance customers


Other customers


Please dial China country code +86 if you are calling from overseas

Find us

Make an appointment

Leave your contact details with us and we’ll be in touch in 1-2 business days

Download our APP

HSBC China mobile banking QR code

To protect the privacy of your accounts, we will set up a Phone Banking Account (PBN) and a Phone Banking Password (PIN) for you. You can only log on to the Phone Banking account by using the correct PBN and PIN codes. We keep you more safe and secure on your Phone Banking experience. 

Other banking services

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Follow the HSBC China WeChat Service Account for account enquiries, time deposits and transfers. See the latest HSBC activities and contact us anytime, anywhere. 

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Quick and simple, Personal Internet Banking puts you in control of your accounts at all times.

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Visit your local HSBC branch where our friendly staff will be happy to help you.

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Accessible, simplified ATM services for basic transactions.

Frequently asked questions

  1. Apple, the Apple logo, and iPhone are trademarks of Apple Inc, registered in the US and other countries. App Store is a service mark of Apple Inc.
  2. Baidu APP is a trademark of Baidu Inc.

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