Everyday Global Account: Frequently Asked Questions

HSBC Malaysia
Accounts
Everyday Global
Frequently Asked Questions

Frequently asked questions

Managing your account
Making a transfer
Your Everyday Global VISA Debit Card/-i

Managing your account

Yes, you can use your EGA/-i as your nominated salary account signed up under the Perks@Work Programme. However, salary recognition is only applicable to the MYR account. Learn more about Perks@Work.

Your monthly composite statement will be sent to your email address registered with the bank. Alternatively, you can also view and download the statement via HSBC Online Banking or HSBC Malaysia Mobile Banking app.

No, you can only view your MYR balance at the ATM. To view foreign currency balances, kindly check on your HSBC Online Banking or HSBC Malaysia Mobile Banking app.

Making a transfer

Yes, you can make transfers between your Malaysian Ringgit and foreign currency accounts using your HSBC Online Banking & HSBC Malaysia Mobile Banking app 24 hours a day, 7 days a week.

There are no service fees or charges imposed on currency conversion within the EGA/-i account.

No, but you may make a deposit into your EGA/-i via online fund transfer or Inward Telegraphic Transfers.

Yes, Outward Telegraphic Transfers can be made via HSBC Online Banking or at the branch and are subject to tariffs and charges.

Yes, you may enjoy the Global View and Global Transfer service via HSBC Online Banking.

Global View is a unique service allowing HSBC Malaysia Premier and Advance customers to see all their worldwide HSBC accounts on one page. Once the accounts are linked together online, you will be able to make secure Global Transfers to your own overseas HSBC account instantly with zero fee.

Learn more about international transfers and payments.

Yes, you may receive Inward Telegraphic Transfers sent to EGA/-i without any conversion for the supported currencies. Otherwise, the funds received will be credited into your Malaysian Ringgit account, subject to the bank’s prevailing conversion rate.

Yes, the Global Transfers for Family and Friends (GTFF) service allows HSBC Premier and Advance customers to make fund transfers to third party personal accounts overseas instantly via the Global Transfers feature with zero transfer fees. The service can be accessed in HSBC Online Banking by selecting “Global Transfers to other HSBC accounts”.

Note: GTFF service is subject to the applicable foreign exchange policy. Find out more about GTFF.

Yes, you may deposit the cheque at any local HSBC / HSBC Amanah branch’s Cheque Deposit Machine, with the exception of the following currencies below:

Indonesian Rupiah (IDR)
Japanese Yen (JPY)
United States Dollar (USD) (except HSBC Dividend)
Euro (EUR)
Indian Rupee (INR)
Canadian Dollar (CAD)
Hong Kong Dollar (HKD) (except for cheques issued by HSBC Hong Kong)
Singapore Dollar (SGD)

Your Everyday Global VISA Debit Card/-i (EGA Debit Card/-i)

No, the EGA Debit Card/-i is solely used for your EGA/-i. Conversely, the EGA/-i cannot be linked to a normal debit card/-i.

The EGA Debit Card/-i is disabled by default from making any overseas purchase transactions as it may be exposed to higher risk of fraud. You may activate the feature by visiting any HSBC / HSBC Amanah branch or contacting the HSBC Call Centre.

If you would like to activate your EGA Debit Card/-i for overseas ATM withdrawals, you may perform a PIN-based transaction at a local HSBC/HSBC Amanah ATM machine in Malaysia.

Funds will automatically be debited according to the currency code. For example, transactions made in AUD will automatically be deducted from the AUD account balance for point-of-sales (“POS”), online purchases or automated teller machine (“ATM”) withdrawal, provided there are sufficient funds in the AUD account.

If there are insufficient funds in the foreign currency intended, the entire transaction amount shall be automatically converted into Malaysian Ringgit (“MYR”) at HSBC’s / HSBC Amanah’s prevailing exchange rate at such times and the amount will be debited from the MYR account balances, subject to sufficient credit balances in MYR. For clarity, there is no partial debiting for both foreign currency and MYR for the same transaction.

Yes, you can. In cases where purchases or withdrawals are made in a currency other than the ones available in EGA/-i (unsupported currency), the entire transaction will be made through the Malaysian Ringgit account. Please refer to the Tariff & Charges document for the applicable charges on cash withdrawal as well as the conversion fee applicable for overseas point-of-sale (“POS”) transactions.

If you wish to make Card-Not-Present (“CNP”) transactions (i.e. non-secure online transactions without One-Time Password (“OTP”), standing instructions, mail order and telephone order), you may activate the feature by visiting any HSBC / HSBC Amanah branch or contacting HSBC Call Centre. This feature has been deactivated by default to safeguard you from unauthorised usage.

The following are the respective default daily limits of your EGA Debit Card/-i. Please call us or visit any HSBC/HSBC Amanah branch if you want to increase or decrease the daily purchase limit.
EGA Debit Card/-i type	Default Daily Purchase Limit(RM)	Optional Limit for Default Daily Purchase Limit (RM)	Daily ATM Cash Withdrawal Limit (RM)	Daily ATM Instant Transfer Limit (RM)	Daily ATM IBG Limit (RM)	Daily ATM JomPay Limit (RM)
Premier Everyday Global VISA Debit Card/-i	3,000	50,000	5,000	30,000	5,000	5,000
Advance Everyday Global VISA Debit Card/-i	3,000	20,000	5,000	30,000	5,000	5,000
Everyday Global VISA Debit Card/-i	3,000	20,000	5,000	30,000	5,000	5,000

The following are the respective default daily limits of your EGA Debit Card/-i. Please call us or visit any HSBC/HSBC Amanah branch if you want to increase or decrease the daily purchase limit.
EGA Debit Card/-i type	Premier Everyday Global VISA Debit Card/-i
Default Daily Purchase Limit(RM)	3,000
Optional Limit for Default Daily Purchase Limit (RM)	50,000
Daily ATM Cash Withdrawal Limit (RM)	5,000
Daily ATM Instant Transfer Limit (RM)	30,000
Daily ATM IBG Limit (RM)	5,000
Daily ATM JomPay Limit (RM)	5,000

EGA Debit Card/-i type	Advance Everyday Global VISA Debit Card/-i
Default Daily Purchase Limit(RM)	3,000
Optional Limit for Default Daily Purchase Limit (RM)	20,000
Daily ATM Cash Withdrawal Limit (RM)	5,000
Daily ATM Instant Transfer Limit (RM)	30,000
Daily ATM IBG Limit (RM)	5,000
Daily ATM JomPay Limit (RM)	5,000

EGA Debit Card/-i type	Everyday Global VISA Debit Card/-i
Default Daily Purchase Limit(RM)	3,000
Optional Limit for Default Daily Purchase Limit (RM)	20,000
Daily ATM Cash Withdrawal Limit (RM)	5,000
Daily ATM Instant Transfer Limit (RM)	30,000
Daily ATM IBG Limit (RM)	5,000
Daily ATM JomPay Limit (RM)	5,000

HSBC Everyday Global Account

Save, spend and make transactions in 11 currencies, all with 1 account.

HSBC Amanah Everyday Global Account-i This link will open in a new window

Save, spend and make transactions in 11 currencies, all with 1 account.

Frequently asked questions - Everyday Global Account and Everyday Global Account-i (EGA/-i)

Frequently asked questions

Managing your account

Can I use my EGA/-i as my salary account?

Where can I check my EGA/-i monthly statement?

Can I view my EGA/-i foreign currency balance at the automated teller machine (ATM)?

Is EGA/-i protected by PIDM?

Making a transfer

Can I convert foreign currency to other foreign currency within EGA/-i?

Are there any service fees and charges for the currency conversion from/into my EGA/-i multi currency account via HSBC Online Banking and HSBC Malaysia Mobile Banking app?

Can I deposit foreign currency physical notes into my EGA/-i multi currency account?

Can I send Outward Telegraphic Transfers from my EGA/-i account and are there any fees?

Can I view and send money to my HSBC accounts maintained in other countries?

Can I receive Inward Telegraphic Transfers into my EGA/-i?

Are there other ways to send money from my EGA/-i to third party HSBC accounts aside from using telegraphic transfers?

Can I deposit foreign currency cheques into my EGA/-i multi currency account?

Your Everyday Global VISA Debit Card/-i (EGA Debit Card/-i)

Can I link my EGA Debit Card/-i to other accounts in HSBC or HSBC Amanah?

How do I activate my EGA Debit Card/-i to use it overseas?

Which account will the money be withdrawn from when I make an EGA Debit Card/-i transaction?

Can I choose to make a purchase in USD from my SGD account?

Can I make a purchase in USD if my USD EGA/-i balance is insufficient?

Can I make a purchase or withdrawal in an unsupported currency eg Korean Won using my EGA Debit Card/-i?

How do I activate the Card-Not-Present feature?

Where can I check the daily purchase limit and ATM cash withdrawal limit?

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