24/7 currency exchange & International transfer

24/7 Foreign currency conversion
Outward Telegraphic transfers
Inward Telegraphic transfers
HSBC SWIFT Code
Global View and Global Transfer
Global Transfers for family and friends (to third party HSBC accounts)

24/7 Foreign currency conversion

When will the funds be available in the crediting account?

Fund transfers are executed real-time, so the funds will be credited immediately.

If I am transferring funds to a foreign currency account, where can I check the exchange rate?

For 'Pay and transfer' transactions:

Under the 'Pay and transfer' page, the exchange rate will be shown in the 'Rate' field after you've finished filling in the 'From' and/or 'To' foreign currency account details.

Note: The exchange rate shown is applicable for a limited time only. You have to refresh the page for a new rate once the quoted exchange rate expires.

For recurring or future dated transactions:

For recurring or future dated transactions: You can check the exchange rate from your debit account transaction history after the transaction has been executed.

Can I transfer foreign currencies at any time of the day?

Yes, you can transfer foreign currencies at any time.

However, any future dated/recurring transfers scheduled on a non-working day will be executed on the next working day, using the exchange rate prevalent on that working day.

Why are some of my accounts not available in the 'From' and 'To' list when I'm making a transfer?

When making a transfer, you'll only be able to select active accounts. If a particular account is not available, the account is likely to be dormant, so please call our Contact Centre or visit your nearest branch to reactivate the account.

Do I require a security code (6-digit code generated from my Mobile Security Key) to transfer funds to my beneficiaries saved previously?

No, you don't need a security code to transfer funds to your saved beneficiaries.

What is my maximum transfer limit per day for 24/7 Foreign currency conversion?

There are no maximum limits to fund transfers of the same currency.

For cross-currency fund transfers, the following limits apply:

Fund transfers between my own accounts:

Each respective transfer you make between your own accounts is limited to RM3 million. If you'd like to transfer more than RM3 million, you can split it into multiple transfers. You may increase or reduce your transfer limit, under 'Services' -> 'Tools & Services' -> 'Change your online banking limits' → 'Own account transfers'.

Fund transfers to other HSBC/HSBC Amanah account:

The limit is RM200,000 per day, which is the combined daily limit for all third-party fund transfers.

How do I change the transfer limit?

To change the ‘Own account’ transfer limit, go to:

'Services' -> 'Tools & Services' -> 'Change your online banking limits' → 'Own account transfers'.

To change the ‘Third party’ transfer limit, go to:

'Services' -> 'Tools & Services' → 'Change your online banking limits' -> 'Third party transfer'.

Outward Telegraphic Transfers

What information is required to transfer funds to an overseas beneficiary?

You'll need the following information:

a) Recipient's account number/IBAN details

b) Recipient's name

c) SWIFT/BIC code

STEP 1: Login to HSBC Online Banking through web browser. Select "Pay and transfer"

Account Selection

STEP 2: Select account to transfer "From". Click "New payment to a person" for new payee. For existing payee, select "Your accounts or someone you’ve paid before"

STEP 3: For Payee type, select "Telegraphic Transfer"

STEP 4: Fill in all the required payee information.

"If the payee’s name exceeds 35 characters, please continue in the “Address line 1” field, followed by the address.

Fill in details

STEP 5: Fill in all the required payee bank’s information. Use Bank search function, key in the bank of the payee and country. (Preferably to input SWIFT/ BIC Code)

Note: Selecting the country/ territory will select the country's currency by default. Please select the correct currency you wish to convert.

Save the payee for future transfer by ticking the box.

STEP 6: Choose the transfer currency.

Transfer currency would be defaulted based on payee’s country. The currency can be changed from the drop down.

Currency Selection

STEP 7: Select who pays the fees and select the purpose of transfer.

Fees will be shared (Preferred): You will pay our fees, and these will be deducted from your account. Your payee will pay the fees applied by their bank and any other banks used to send the payment. These fees will be deducted from the payment.

You will pay all fees: You will pay all fees, including any applied by the payee's bank and any other banks used to send the payment.

Payee will pay all fees: Your payee will pay all fees, including ours, any applied by the payee's bank and any other banks used to send the payment. These fees will be deducted from the payment.

Note: We're unable to advise you of any fees applied by any other bank as these are not in our control.

FEP Declaration

STEP 8: Select FEP Declaration and Generate the security code by following the instructions.

Review and Confirm

Review the transaction details, including the HSBC exchange rate (if applicable), then select 'Confirm'. Once you have confirmed, you won't be able to cancel the transaction. Please wait for the amount to be deducted from your account to avoid duplicate transaction. Select Print to save a copy of your receipt.

When will my beneficiary receive the funds?

Below is the indicative timeframe for funds to reach your beneficiary:

If the transfer is being made to a beneficiary bank that is part of the HSBC Group: 2 banking days (transaction date + 1 banking day) from the date of instruction
If the transfer is being made to a beneficiary bank that is not part of the HSBC Group: 3 to 6 banking days from the date of instruction, depending on the following:
a. Location of the beneficiary bank (i.e. whether the beneficiary bank is located at remote areas) and
b. whether it may involve multiple correspondent banks. The actual time taken for a beneficiary to receive the money will depend on, among other factors, the respective correspondence bank or beneficiary bank and the daily cut-off times as established by HSBC Bank Malaysia Berhad (the Bank) from time to time.

If I'm transferring funds to a foreign currency account, where can I check the exchange rate?

For 'Send now' transactions: Under the 'Pay and transfer' page, the exchange rate will be shown in the 'Rate' field after you've finished filling in the 'From' and/or 'To' foreign currency account details. Do note that the exchange rate shown is applicable for a limited time only; you have to refresh the page for a new rate once the quoted exchange rate expires.
For recurring or future dated transactions: You can check the exchange rate from your debit account transaction history after the transaction has been executed.

Can I transfer foreign currencies at any time of the day?

Yes, you can transfer foreign currencies at any time. However, do note that the actual exchange rate will only be available at the following hours:

Foreign currency conversion involving Malaysian Ringgit: 9:00am to 12:00am on business days
Foreign currency conversion not involving Malaysian Ringgit: any time, any day

Foreign currency conversion rates quoted outside the above hours will be an indicative rate only. The actual exchange rate on the next business day will be applied accordingly.

Do I require a security code (8-digit code generated from my Security Device) to transfer funds to my beneficiaries saved previously?

No, you do not need a security code to transfer funds to your saved beneficiaries.

What is my maximum transfer limit per day for telegraphic transfers?

Telegraphic transfers carry a daily limit of RM200,000, which is the combined daily limit across all third-party fund transfers. You may increase or reduce your transfer limit, up to a maximum transfer limit of RM200,000, under 'Services' -> 'Tools & Services' → 'Change your online banking limits' -> 'Third party transfer'.

Inward Telegraphic Transfers

What information should I provide to my remittance counterpart?

You should provide:

Beneficiary bank Name,
- Beneficiary account number,
  - SWIFT code,
    - purpose of payment.

Note: Inward TT without purpose of payment will be rejected or if the purpose of payment is unclear, there might be delay in your inward TT. The fees of rejected inward TT is not refundable.

Transaction charges

**How much is the inward TT service fee charged by HSBC Malaysia?**

Crediting into account with FX conversion:

RM5 for crediting into Ringgit account or its equivalent in FCY for crediting into foreign currency account per transaction will be applied.

Crediting into account in the same foreign currency denomination:

Foreign Currency Account/-i (FCA)/Everyday Global Account/-i (EGA) transaction charges will be applied. Please refer to table below for the FCA/EGA transaction charges of respective currency.

**Note:** RM5 fee will be waived when FCA/EGA transaction charges are applied.
Currency	Charges per Transaction
AUD	AUD6
BND	BND6
CAD	CAD6
CHF	CHF6
CNY	CNY30
EUR	EUR4
GBP	GBP3
HKD	HKD30
JPY	JPY400
NZD	NZD6
SGD	SGD6
USD	USD4

Transaction charges

**How much is the inward TT service fee charged by HSBC Malaysia?**

Crediting into account with FX conversion:

RM5 for crediting into Ringgit account or its equivalent in FCY for crediting into foreign currency account per transaction will be applied.

Crediting into account in the same foreign currency denomination:

Foreign Currency Account/-i (FCA)/Everyday Global Account/-i (EGA) transaction charges will be applied. Please refer to table below for the FCA/EGA transaction charges of respective currency.

**Note:** RM5 fee will be waived when FCA/EGA transaction charges are applied.
Currency	AUD
Charges per Transaction	AUD6

Currency	BND
Charges per Transaction	BND6

Currency	CAD
Charges per Transaction	CAD6

Currency	CHF
Charges per Transaction	CHF6

Currency	CNY
Charges per Transaction	CNY30

Currency	EUR
Charges per Transaction	EUR4

Currency	GBP
Charges per Transaction	GBP3

Currency	HKD
Charges per Transaction	HKD30

Currency	JPY
Charges per Transaction	JPY400

Currency	NZD
Charges per Transaction	NZD6

Currency	SGD
Charges per Transaction	SGD6

Currency	USD
Charges per Transaction	USD4

Will the Bank contact you?

HSBC branch personnel may contact you (beneficiary) to obtain supporting document, seek clarification on the inward TT transaction, or verify the purpose of payment and the relationship between you (beneficiary) and the remitter.

What should I do if I want to enquire my Inward TT status and what should I provide to the Bank?

You may find the Bank’s contact details here.

Be ready with the Unique End-to-end Transaction Reference (UETR) – a string of 36 unique characters, which can be obtained from the remitter.

HSBC SWIFT Code

What is the HSBC SWIFT Code and when is it needed?

The SWIFT Code is a unique identifier of every bank worldwide via the Society for Worldwide Interbank Financial Telecommunication system. SWIFT Code below is required for incoming overseas payments to your HSBC/HSBC Amanah account.
Banks	SWIFT Code	Address
HSBC Bank Malaysia Berhad	HBMBMYKL	Menara IQ, Lingkaran TRX, 55188 Tun Razak Exchange, Kuala Lumpur, Malaysia.
HSBC Amanah Malaysia Berhad	HMABMYKL	Menara IQ, Lingkaran TRX, 55188 Tun Razak Exchange, Kuala Lumpur, Malaysia.

The SWIFT Code is a unique identifier of every bank worldwide via the Society for Worldwide Interbank Financial Telecommunication system. SWIFT Code below is required for incoming overseas payments to your HSBC/HSBC Amanah account.
Banks	HSBC Bank Malaysia Berhad
SWIFT Code	HBMBMYKL
Address	Menara IQ, Lingkaran TRX, 55188 Tun Razak Exchange, Kuala Lumpur, Malaysia.

Banks	HSBC Amanah Malaysia Berhad
SWIFT Code	HMABMYKL
Address	Menara IQ, Lingkaran TRX, 55188 Tun Razak Exchange, Kuala Lumpur, Malaysia.

Global View and Global Transfers

What is "Global View (GV) and Global Transfers (GT)”?

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, customer will be able to make secure Global Transfers to their own overseas HSBC account instantly with zero fee. The service can be accessed in HSBC Online Banking. You may watch the online demo of the service here.

Who is eligible to use the service?

Global View and Global Transfers is only available to HSBC Malaysia Premier and Advance customers and is served for those customers who hold accounts with overseas HSBC entities. If you are interested in this exclusive service, you are welcome to contact us for more information.

How to use the service?

To use Global View and Global Transfers, you must have online banking set up in the countries and regions you hold eligible HSBC accounts. You'll need to enter your log on details to link and move money between your accounts.

How to setup Global View?

To link all your accounts and balances in one place with Global View, you need to login your HSBC Online Banking using the "With Mobile Secure Key" log on method. In the HSBC Online Banking, go to the "Move Money" option on top of the page and select “View your linked countries/territories”.

Step 1 – Scroll to choose the country you want to add and click the “Link a country/territory” button to continue.

Step 2 – Read and accept the terms and conditions, then you’ll be redirected to your selected country’s Online Banking.

Step 3 – Input your log on details used for the selected country. Read and accept the terms and conditions and click “Continue”.

Step 4 – Click “Back to your accounts” and you will see all your linked HSBC accounts on one page.

You may watch the online demo of the service here

How to perform Global Transfer?

To make Global Transfers, you need to login your HSBC Online Banking using the "With Mobile Secure Key" log on method. In the HSBC Online Banking, go to the "Move Money" option on top of the page and select "Global transfers to your global accounts", or click on “Transfer to my Global Accounts” under “Quick links”.

Step 1 – Choose the account you want to send money from and the account you want to receive the money from “Your international accounts” option.

Step 2 – Enter the amount you want to send along with the transfer details.

Step 3 – Review all the details to ensure that they are accurate and click “Continue” to confirm your transfer.

Step 4 – When you confirm the details, the transfer request is accepted.

Once the Bank have accepted the transfer request, it cannot be cancelled unless it is a future one-off or recurring transfer.

You may watch the online demo of the service here

How soon can Global View be available for a newly opened account?

For a newly opened account, Global View will be made available between 24 and 48 hours after account opening completion.

What currency can I make my transfer in?

You will be able to select the amount of the transfer in either the currency of the account you are transferring monies from or the currency of the account you are transferring the monies to. The majority of currencies will allow for 24x7 real-time transfers. However, there are a small number of currencies such as Philippine Pesos (PHP) and Vietnam Dong (VND) that can only be traded onshore due to local regulatory restrictions. Although these currencies will still be available for selection, transfers in there may be a short delay in processing these transactions.

Can I use Global Transfers to send money to my overseas HSBC accounts?

So long the account is linked to the same Global View profile and has been identified by the account owning country as being able to send or receive transfers, you will be able to use the account within Global Transfers.

You cannot send money from or to own overseas HSBC account that is either not linked through Global View or belonging to HSBC affiliate that has not launched the Global Transfers service. Only accounts that belong to the same person can be linked together through Global View.

What is the current limit of Global Transfer to your global accounts?

The daily transfer limit is USD50,000 and such limit is separated from other domestic and international transfers and payments, i.e. Global Transfers to overseas third party HSBC account, third party fund transfer, bill payment, FPX and QR pay. The same daily transfer limit is applied to all HSBC Malaysia Premier and Advance customers and it cannot be changed by customers.

Are there any hidden fees?

No, there is zero transfer fee when sending money to your global accounts in Global transfer enabled countries through this service.

Note:

HSBC Bank Malaysia Berhad, Company No. 198401015221 (127776-V) and HSBC Amanah Malaysia Bhd, Company No. 200801006421 (807705-X) will be collectively referred to as “HSBC Malaysia”.

Global Transfers for family and friends (to third party HSBC accounts)

What is "Global Transfers for Family and Friends (GTFF)"?

The "Global Transfers for Family and Friends" (GTFF) service allows HSBC Premier and Advance customers to make fund transfer to third-party HSBC personal accounts in overseas instantly via the Global Transfers feature. The service can be accessed in HSBC online banking by selecting "Global Transfers to other HSBC accounts".

Step 1: Select Global Transfer to other HSBC Account or Go to Move money > Global transfer > Global Transfer to other HSBC Account.

Step 2: Select '+Add new payee'.

Step 3: Select the payee's country or region.

Step 4: Input the payee's HSBC account number and select the account currency.

Step 5: Input a Nickname for the payee and enter a security code generated by your mobile device.

Now, you're all set!

Step 1: Select the account you wish to transfer "From" and select the existing payee from the drop down or Add new payee for new payee.

Step 2: Fill up the information required, and press continue.

Step 3: Read and confirm the foreign exchange policy (FEP).

Review the details and confirm the transaction.

Now, you are all done!

Where GTFF is available?

Receiving countries/territories available are Bahrain, Bermuda, mainland China, Channel Islands and Isle of Man (CIIOM), Egypt, Greece, Hong Kong, India, Indonesia, Oman, Malta, Philippines, Qatar, Singapore, Sri Lanka, Taiwan, United Arab Emirates, United Kingdom, United States, Vietnam, Australia, New Zealand and Jersey. This list will be expanding.

What is the current limit of GTFF?

The daily transfer limit is USD50,000 and such limit is separated from other transfers and payments, i.e. third party transfer, bill payment, FPX and QR pay. The same limit is applied to all HSBC Premier and Advance customers and it cannot be changed by customers.

Are there any hidden fees?

No, there is zero transfer fee when sending money to third party HSBC personal accounts in GTFF enabled countries through this service.

Who is eligible to use the GTFF service?

GTFF is a unique service offered exclusively to HSBC Premier and Advance customers. If you are interested in this exclusive service, you are welcome to contact us for more information.

I am a Premier/Advance customer, why I cannot use the GTFF service in my Online Banking to send money to other HSBC accounts in overseas?

To access the GTFF service in Online Banking, you need to login your Online Banking using the "With Mobile Secure Key" log on method. In the Online Banking, go to the "Move Money" option on top of the page, select "Global Transfers to other HSBC accounts".

If my target payee does not have HSBC Online Banking, can I send the money to him/her via the GTFF service?

If your target payee is not an Online Banking registered user or the credit account is not included in his/ her online account list (can be accessed via Online Banking), you will receive error message informing that your payee must be registered for HSBC Online Banking to receive fund via Global Transfers.

Any payment notification will be sent to me after my payment is successful?

Payment notification will be sent to your mobile number maintained in our system via SMS, if the transaction is MYR 500 and above or equivalent in foreign currency.

Why I cannot transfer Renminbi from Malaysia to HSBC accounts in Mainland China via GTFF?

Cross-border fund transfer of Renminbi to Mainland China is currently not supported via the GTFF service. You may transfer the fund in other foreign currency via the service to Mainland China.

Why do I need to input the payee account first and last name during the process of capturing the transfer to a joint account?

When you capture a "Global Transfers to other HSBC accounts" instruction to a joint account, the system will request you to enter one of the account holders' name as Payee's name. This Payee's name will be checked against the bank record to avoid making payment to incorrect beneficiary. Please check with your payee about the exact account holder's name. If you are unable to identify the exact account holder's name, please assign another sole account to receive this payment.

How can I print out the transaction details later if I forget to print the receipt after I make a payment via "Global Transfers to other HSBC accounts"?

You can retrieve the transaction details again by logging on the Online Banking. In the "Global Transfers to other HSBC accounts" page, click "My transfers" from the left-hand menu. You can then click the transaction in the transaction history page to see the detail and print the detail using print screen.

24/7 currency exchange & International transfer

Table of contents

24/7 Foreign currency conversion

When will the funds be available in the crediting account?

Other in-house transfer FAQs

Outward Telegraphic Transfers

What information is required to transfer funds to an overseas beneficiary?

How to make a telegraphic transfer using Online banking

Other worldwide transfers FAQs

Inward Telegraphic Transfers

Other Inward TT FAQs

HSBC SWIFT Code

What is the HSBC SWIFT Code and when is it needed?

Global View and Global Transfers

What is "Global View (GV) and Global Transfers (GT)”?

Other GVGT FAQs

Global Transfers for family and friends (to third party HSBC accounts)

What is "Global Transfers for Family and Friends (GTFF)"?

How to add new payee

How to perform Global Transfer to other HSBC accounts

Other GTFF FAQs

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