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Financial difficulty

Financial distress

At HSBC Bank, we're committed to helping our customers overcome any short or long term financial instability they may be experiencing. If you're having difficulties making your repayments, we could work with you to develop a personalised debt repayment plan that suits your needs and budget. Whether you have questions about your mortgage or your unsecured debts, our team of trained and dedicated Debt Management Officers will help you find a solution to fit your needs.

Supporting you through the tough times

We may be able to alter your current repayments based on your current budget, for example reduced repayment amounts, interest adjustments and repayment extension periods. The type of assistance we are able to provide will vary depending on your individual circumstances and our Debt Management Team will aim to provide you with temporary relief from your repayments.

Applying for Financial Assistance Programme

HSBC Bank has a number of ways you can discuss and apply for Financial Assistance Programme.

Over the phone

By calling the Debt Management Team at 03-26909099 between 9:00 a.m. to 6:00 p.m. Monday to Thursday and between 9:00 a.m. to 5:00 p.m. on Friday except public holidays.

In person

By visiting any HSBC Bank Malaysia branch and speak to any of our staff, who will help you get you in touch with our Debt Management Team.

In writing

Submit your letter to any HSBC Bank Malaysia branch or email our Debt Management Team at to contact you after receiving your letter or email to discuss the matter with you in details.

Application form

Please complete and return a Debt Rewrite Programme Application Form to help us better understand your financial position.

What happens next

We aim to provide you with a decision on your application within 10 working days of your request. HSBC Bank will respond in writing of our decision; confirming the main details of any arrangement made or ask you for further information to help us come to a decision.

In the event HSBC Bank is unable to approve your Financial Assistance Programme request, we will provide you with information about The Credit Counselling and Debt Management Agency, or commonly known as Agensi Kaunseling dan Pengurusan Kredit (AKPK) which is an agency set up by Bank Negara Malaysia since April 2006.

HSBC Bank will give genuine consideration of any request and collections activity will be put on hold during our assessment process.

Dealing with third parties

We understand that at times you may like to have a third party representative to deal with HSBC Bank on your behalf. In this case, we require written authorisation to be submitted to any HSBC Bank Malaysia branch to discuss your personal and account information with the third party.

Further information and support

There is also some useful information about AKPK at You may also call03-2616 7766 for assistance.

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