Mobile Banking

If you'd like to add a new payee account to your mobile banking app, you can use facial recognition to complete the safety verification process without using your Security Device. You'll also be able to make transfers totalling up to RMB50,000 per day.

After reading and acknowledging the facial recognition authorisation letter, simply follow the on-screen instructions for verification, and you'll receive a one-time password (OTP) via SMS (see below) to complete the whole process.

To use facial recognition, position your face in front of your device and make sure there isn't anything covering the camera and your face.

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. 

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)

To manage your payees, you can log on to the HSBC China Mobile Banking app and tap on 'Home', followed by 'Quick actions', 'CNY transfers', 'Transfer settings' and select the 'My payee' option.

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 receive money via mobile numbers, you can log on to the HSBC China Mobile Banking app, go to 'Home' page, look for 'Quick actions',  select 'Transfer settings', then choose 'Mobile number receiving settings'.

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

Besides using online banking, you can now log on to the HSBC China Mobile Banking app to manage your daily transfer limits. You'll be able to choose the 'Transfers to my HSBC accounts' and /or 'Transfer to third party predesignated/non-predesignated payee' options.

To manage your daily transfer limits, go to the 'Me‘ page, look for 'Card & Account settings' to choose one account you need to adjust the transfer limit, and select 'Daily Transfer Limits Setting' to set up the limit.

Note that you can only lower transfer limits via mobile banking. If you need to increase transfer limits, you'll need to head to the nearest branch.

If you are a debit card customer, you can earn HSBC Community Reward Points by using your card or participating in activities, and redeem points for a variety of gifts and benefits.

If you have both debit and credit cards, you can earn 2 types of points, and redeem both set of points at the same time to enjoy more fabulous gifts and offers (terms and conditions apply).

You can go to any of these 3 pages - 'Home', 'Credit cards' or 'Me' - , and select 'My points' to track the status of your points, and learn more about our latest offers and exclusive privileges.

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.

If you have any questions or wish to know more about our products and services, click on the online customer service icon at the top right of our service landing pages, or select ‘Customer service’ under the ‘Me’ page.

Our smart agent Xiao Feng will provide 24/7 online services for you. The live chat function, which connects you with our professional staff, will also be available from 9am to 9pm every day, where we'll assist you with services related to our offers, account enquires, branch appointments, appointments for cash withdrawals (large amount / foreign currency) over the counter, lost cards, credit card points and many more.

If your debit card is lost or stolen, you can block it any time via mobile banking to protect yourself against unauthorised transactions. To do that, log on to the HSBC China Mobile Banking app, go to the 'Me' page and choose the card you wish to block using the 'Card & Account settings' option. The selected card transactions will temporarily be blocked within the time period you've set.

*The card blocking function only applies to your current debit card, and will not affect any of your accounts.

• You can choose to lock 4 kinds of transactions : Payments with card, payments without card, ATM transactions, and overseas transactions
• If you wish to unblock your card, go into settings to switch off the block function after completing an SMS verification

If you find your account is dormant or inactive, log on to the HSBC China Mobile Banking app and click on 'Quick actions' on the 'Home' screen, select  'More', then choose 'Local accounts' to reactivate the relevant account online*.

* If you're facing one of the following situations, you'll need to visit one of our branches with your passport or ID card to reactivate your accounts. Otherwise, you can also reactivate your accounts conveniently online.

• You don't have any active account with us, but you're holding at least one dormant account, and you've changed your mobile phone number within the last 60 days
• All accounts you are holding are inactive accounts

Customers who finish their Risk Profile Questionnaire can conduct their Financial Health Check (FHC) on our Mobile app now!

• Log on to the HSBC Mobile Banking app, tap on 'Wealth', followed by 'Wealth toolkits' and finally 'Financial health check' to start reviewing your finances
• After completing the FHC, you can make an appointment with your relationship manager right away using mobile banking to discuss your FHC report further.

Logon HSBC China mobile banking to operate your Dual Currency Investment and Enhanced Yield Investment Product anywhere any time. You can also check the latest market news and your position with one simple click.

For more product details please visit the "Dual Currency Investment" page of our website.

With an extensive product range, Local Mutual Fund and MRF-Recognised HK Funds can improve your wealth management and asset allocation plan. You can now apply/subscribe, redeem, transfer or set automatic investment instructions for Local Mutual Fund and MRF-Recognised HK Funds on your HSBC China Mobile Banking app by tapping on 'Wealth', then selecting 'Local Mutual Fund' or 'Mutual Recognition Fund'.

You can view and purchase structured products within a selling period on the HSBC China Mobile Banking app. Different capital protection levels and investment return structures will support you in capturing global opportunities and exploring sound investment plans.

You can check and purchase all our available products within a selling period after logging on to your app by selecting 'Wealth' on the bottom navigation bar, followed by 'Structured deposit'. This allows you to select product structures, linked assets, product parameters and more, as well as customise your structured products more effectively.

You can also go to 'Structured Products' and select ‘New window’ for more information.

If your 'Risk profile' has expired, or if your financial condition has changed, you can check or update your risk profile directly using your HSBC China Mobile Banking app. This will not only help you fully understand your wealth management preferences and risk tolerance, but also assist you in selecting wealth products that suit you best.

From updating your risk profile to purchasing wealth products that match your preferences (eg: structured products, QDII Fund), you can now complete the whole process using your mobile banking app in just a few steps without visiting a branch. (Note: your first Risk Profile Questionnaire has to be done in a branch)

You can access your risk profile questionnaire using your mobile banking app by either:

• selecting the 'Quick actions' option on your 'Home' screen, followed by 'More', 'Wealth management' and finally 'Risk Profile Questionnaire'
• selecting the 'Wealth' option at the navigation bar below, followed by 'Quick actions' and then 'Risk profile questionnaire'

Enjoy the one-stop credit card services via our China mobile banking APP:

• Credit card online application & status tracking
• Card activation
• QR code payment without the physical card
• Statement inquiries
• Credit limit inquires & limit management
• Principal card and supplementary card management (including settings for offline & online payment and third-party payment)
• Security settings (including password management, security lock, etc.)

If you are holding HSBC debit card or RMB deposit account, you can easily proceed repayment on HSBC China mobile banking (including RMB/USD single currency or dual currencies). In order to avoid any trouble or negative impact due to late repayment, you can set auto-repayment for RMB/USD statement by linking your HSBC debit card or RMB deposit account and selecting “full amount repayment” or “minimum amount repayment”.

If you didn’t have HSBC debit card or RMB deposit account yet, you can also use UnionPay Online Payment or La Ka La to complete repayment.

*Repayment via HSBC debit card or RMB deposit account: repayment will be received on the same day if transaction can be done before 4.30 pm. Otherwise, it will be received on the next day. Credit limit will be recovered afterwards

*Repayment via UnionPay Online Payment or La Ka La: repayment amount will be into your account on the next working day after transaction and credit limit will be recovered as soon as repayment amount is received.

You can submit your application and manage your instalments on the HSBC China Mobile Banking app for:

• statement instalments: apply for payment of your total statement balance by instalments
• transaction instalments: apply for payment of your single transaction by instalments
• cash instalments: convert your available credit limit to cash, transfer to your HSBC debit card and make repayments by instalments
• additional transactions and statement instalments: apply for an instalment plan for unbilled or billed transactions through your credit card and enjoy an exclusive credit limit

With our HSBC China credit card rewards plan, you can collect reward points every time you make a purchase or participate in a promotion campaign. You can redeem your points for all kinds of gifts and air miles. Visit our credit card rewards plan page or your mobile banking app for more information.

Now, you can easily check and redeem your reward points and learn about the latest offers on the HSBC China Mobile Banking app through ‘My points’ under any of the 'Home', ‘Credit card’ or ‘Me’ pages.