SmartVantage

Self-Directed Financial Management Tools

HSBC Internet Banking

A convenient and simple online platform at www.hsbc.com.hk that gives you total control of your finances anytime, anywhere.

• Multitude of Online Transactional Capabilities - Leverage on a multitude of transactional capabilities such as bill payments, fund transfers, buy/sell investment facilities and more, with a few simply clicks.
• Online 24-hour Investment Tools
  Online 24-hour All-round Securities Order Types - A comprehensive range of innovative order types, including 'Two-Way Limit Order', 'Target Buy Sell Order' and 'Stop Loss Limit Order' allow you to pre-set buy or sell instructions around-the-clock to help realise potential gains and minimise losses.
  Online ForEx Switching Service and Renminbi Switching Service - Your buy or sell instructions and fund transfers for designated accounts will be executed automatically when your pre-set exchange rate, balance and frequency conditions are met, helping you to capture the best potential returns even in a highly fluctuating foreign exchange market.
  Share Watch - You can set up 'Share Watch' to review the latest prices and performance of selected securities.
• Online Asset Portfolio - Presented in concise and user-friendly charts, the portfolio allows you to instantly check your financial status and plan your investment with ease.
• Online Financial Planning Tools
  My Life Planner - shows you how to plan for life's important events and goals
  Risk Profiling Questionnaire - determines your risk level
  Expenses Calculator - calculates your monthly expenditure including your outlays from mortgage payments to sundry expenses
• Online Financial Calendar - Manage your plans in advance to pre-set, change or update forward-dated payments, transfers and time deposit instructions with ease.
• Free eAlert Service - Keep yourself well-informed on instruction status and market information, including investment order confirmation, IPO updates and other banking alerts.
• Online Appointment¹ - You can arrange a free financial planning session with our financial professionals to help you design a financial plan to achieve your short-term and long-term goals.

Automated Phonebanking Service

• 24-hour Automated Phonebanking Service (852) 2233 3000 - You can bank anytime, anywhere with any touch-tone phone via SmartVantage Phonebanking. With SmartVantage, you can easily access and manage your finances 24 hours a day through automated phonebanking, transfer funds between your accounts with HSBC, make enquires on account balances, enquire deposits rates, exchange foreign currencies or Renminbi and trade gold - all completed with a simple phone call.
• Investment Phonebanking Service (852) 2996 6028 - You can place orders for securities and unit trusts through our automated phonebanking services, and conduct bonds and unit trusts switching through our customer service officers.

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All-in-One Integrated Account Service

• Integrated Financial Services
  One integrated account for your deposits, investments, insurance, credit facilities, mortgage services and credit card that offers you convenience and efficiency in your financial management.
• One Consolidated Statement
  On a monthly basis, you will receive one easy-to-read consolidated statement to give you a comprehensive overview of your financial position.
• Deposit
  Manage various Hong Kong dollar, Renminbi or foreign currency deposit services, including ForEx Switching Services in one account number. Enjoy a preferential time deposit interest rate calculated based on your integrated account type, Total Relationship Balance, time deposit amount and tenor.
• Renminbi Services
  Take advantage of our savings and time deposit services, transfers and ForEx Switching services in Renminbi (RMB). You can also exchange and remit RMB via HSBC Internet Banking or at any HSBC branch in Hong Kong.
• Investment
  Trade local stocks and unit trusts or purchase Deposit Plus, bonds and certificates of deposit via HSBC Internet Banking or phonebanking anytime you want. You can also subscribe to initial public offers and our Monthly Investment Plans.
• Credit
  Make the best use of low interest secured credit worth up to 100% of your asset value with no additional service fee, and clean credit of up to HK$600,000 or four times your monthly salary (whichever is lower), plus overdraft protection worth up to HK$5,000.

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Self-service Banking

On top of HSBC Internet Banking and automated phonebanking, you can also manage your finances through more than 500,000 ATMs worldwide.

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Credit Card Annual Fee Waiver

Enjoy a 5-year annual fee waiver² when you apply successfully for a new HSBC credit card with your SmartVantage account to give you more lifestyle benefits. This promotion is only applicable to application of new HSBC credit card.

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International Service

Our strong global presence and network mean that your personal banking needs are always well taken care of. Whenever you need access to cross-border banking and financial services in a new country³, you can do so through a streamlined application process, and we can also transfer your credit history³ to facilitate your application.

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A Bundle of Free Financial Services

You can enjoy the full scale banking services referred to above at no extra charge under your SmartVantage account if you have a Total Relationship Balance⁴ of HK$10,000 or above. A below balance fee⁵ HK$60 monthly will only be charged only if the Total Relationship Balance falls below HK$10,000.

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¹ Appointments can be made on any day of the week but venue may be restricted to selective Financial Management Centres on Sundays.

² Please contact our staff at any branch for more details of HSBC credit cards. Customers must maintain their SmartVantage after issuance of their HSBC credit card in order to enjoy this offer. The above credit card annual fee waiver cannot be used in conjunction with other prevailing offers.

³ Subject to local regulations.

⁴ Rolling average of the previous three months.

⁵ The monthly below balance fee applies to each of your Integrated Accounts.

Note: Investment involves risks. The price of investment products may move up or down. Losses may be incurred rahter than profits made as a result of buying and selling investment products. The offering documents of the investment products should be read for further details.