What is Internet Banking?
It is simply doing many of your banking transactions using your PC and the Internet (subject to minimum browser restrictions). The advantages? No banking hours, no queues. Just banking from wherever you are connected. It's easy, convenient, and best of all, it's available to you anytime.
What banking transactions can I perform with Internet Banking?
Internet Banking enables you to manage your accounts and investments more easily. It also gives you greater control over balances, transfers and fixed deposits. You can:
How safe is Internet Banking?
It's as safe as banking any other way, provided a few precautions are put in place.
The security of your accounts and the reliability of our service are of utmost importance to us. Internet Banking uses 128-bit encryption, one of the most advanced technologies available, for safeguarding your online banking. Encryption is a process that transforms sensitive information into a string of unrecognisable characters before they are sent over the Internet, and helps provide a secure channel for data transmission to keep information private between the bank's computer system and your internet browser.
What are the requirements to use Internet Banking?
Are there fees for Internet Banking?
No. You pay the usual tariffs associated with your account/s but nothing extra to bank online.
Does Internet Banking work with Microsoft Money® or Quicken®?
Yes. You can download your banking transactions from Internet Banking using a QIF file format, then import the file into personal financial management software such as Money® or Quicken®.
Does Internet Banking have online help?
Yes. There are several assistance options:
How safe is Internet Banking?
Internet Banking uses 128-bit encryption, one of the most advanced technologies available for safeguarding your online banking. Encryption is a process that transforms sensitive information into a string of unrecognisable characters before they are sent over the Internet. Encryption helps provide a secure channel for data transmission to keep information private between the bank's computer system and your Internet browser.
Is it safe to enter my Password online?
Yes. Thanks to 128-bit encryption, sending and receiving information online is reliable. Encryption helps keep information private (such as your Password or the transactions you perform) between the bank's computer and your Internet browser.
Please note you should not use the functionality on your computer or browser that allows your security details to be saved on the screen, as this would potentially compromise their confidentiality.
What type of browser do I need to use Internet Banking?
You'll need a browser that supports a minimum of 128-bit encryption.
What if I forget Username, Memorable Answer or Password?
If you have forgotten all your security details, you can call International Direct Banking 0044 1534 616000. However, if you know your Username but need to reset your Memorable Answer and/or Password you can follow the online reset function, accessible from the Internet Banking logon page. Alternatively, You can also change your Memorable Answer or Password online at any time by clicking on “Change memorable question & answer” or "Change internet banking password" from the Services option in our Internet Banking site.
For your protection, memorise your Username, Memorable Answer and Password and do not write them down. Choose a Password that would be difficult to guess by someone unauthorised to access your financial information. If you think someone knows your Password you must change it immediately
Why do I need to accept "Cookies" to access my financial information online?
A cookie is a text file that resides on your computer. When you access our site, we will ask you to accept this text file so that we can identify your computer each time you log in. We use cookies to check, for example, whether or not you have accepted our terms and conditions. More generally, cookies give us information about your browser preferences and security requirements, which we then use to improve our service to you.
If your browser prompts you when a cookie is "served," you must accept it or the access to confidential information will be denied. Since cookies are specific to each website that you visit, only HSBC can access, decode and make use of the information.
Why do the Internet Banking pages expire?
For additional security, page expiry occurs to prevent the pages from being stored in your browser's memory. This means that if you access Internet Banking from a shared computer, other users will not be able to access your account information from your browser's history files. This feature is meant to secure the confidentiality of your accounts.
How do I know I am visiting a secure Internet site?
Internet Banking is accessed through a "secured" Internet site, which helps ensure your financial information remains private and secure. You will know you are at a secured site when you see the https:// in the address field on your browser and the padlock symbol at the bottom of your screen.
How do I know whether I’m logged on?
Throughout the website (including the product information pages as well as your account information), in the top right hand corner of the screen you’ll see a status message.
When you are not logged on, this message reads: “You are not logged on to Internet Banking” together with a red LOG ON button.
When you are logged on, this message changes to: "Welcome, you are currently logged on to Internet Banking", together with a blue LOG OFF button.
Please remember to log off the Service by clicking the blue log off button, wherever you are on the website.
I continually receive a message regarding the display of secure and non-secure items. What is this?
When using Internet Explorer® 5.5 the following message often appears: "This page contains both secure and non-secure items. Do you want to display the non-secure items?"
Don't panic! All of the items displayed are secure. The warning message is the result of a browser problem and can be fixed by downloading the appropriate service pack from the Microsoft® website. To eliminate the warning message:
Total download size for a typical installation is approximately 17 megabytes (MB). However, because set-up only downloads files that are necessary for your computer, the size may vary between 6 and 17 MB.
To start using the Internet Banking service, you first need to be a customer of HSBC Bank International Limited.
Steps to register for Internet Banking:
1. Input your PBN in the field marked Personal Banking Number. The PBN is a 10 digit number that is allocated to you when you first register for either Internet Banking or our automated telephone banking service. This number allows the Bank to uniquely identify you as a customer and must be used when registering for Internet Banking and for accessing our automated telephone Banking service.
Forgotten your Personal Banking Number /PIN?
2. You should input your 6 digit number in the field marked 'PIN'. The PIN (Personal Identification Number) is a 6 digit number allocated to you when you first register for our automated telephone banking service. This PIN must never be given to any other party and is not even known by staff in the bank.
3. You will then be asked to create a Username that will be used to identify you every time you logon to Internet Banking. It needs to be between 5-76 alphanumeric characters (A-Z, 0-9).
4. You will then be asked to select a Memorable Question from the drop down list, and input the corresponding answer. Changing your memorable answer can be carried out by selecting the 'Change memorable question & answer' option in the Services menu on the left hand blue bar.
5. You will also need to create your own password. To do this you will use your mouse to select characters on the virtual keyboard. The password must be 8-30 alphanumeric characters, letters or numbers, (A-Z, 0-9).
6. The next stage is to set-up ‘Online reset’. This is the process to allow you to reset either your memorable answer or password online, should you forget them. You need to select two security questions from the drop down lists and input the answers.
7. Finally, you must Accept the Terms and Conditions of Internet Banking to allow you to access the Service.
What are the System Requirements for Internet Banking?
You need a PC or Apple Mac with Internet access, and a browser (such as Internet Explorer®) that supports 128-bit encryption. You should also be sure your browser options are set to accept cookies.
Full support is available with the following browsers:
Should you encounter problems with these browsers, we recommend you upgrade to the versions fully supported. If in doubt or for further information, please call International Direct Banking on 0044 1534 616000.
What account details can I get online?
You can view the account title and details including current interest rates, accrued credit interest, accrued debit interest and next payment date (where applicable).
Can I view my HSBC Bank International Limited credit card or bank account transactions online?
Yes.
Where can I find my IBAN (International Account number) ?
Your IBAN can be found on your welcome letter/ email, paper statements and within Internet Banking. To find your IBAN when logged onto Internet Banking, click on Account Summary, then on the relevant account number and then onto Account Overview. Alternatively contact our Direct Banking Centre on +44 1534 616000 to request these details.
Can I make international transfers involving Foreign Exchange?
Yes, you can transfer money to over 60 countries in a wide range of currencies. To successfully transfer money, you should have the following information:
For all transactions involving a foreign exchange of £20,000 (or currency equivalent) and above, you will need to contact International Direct Banking on +44 1534 616162.
Is there a cut-off time for next day business?
The following cut-off times apply for Internet Banking. All times are listed as GMT/BST.
Instructions received after these times will be sent the following working day.
Are there transfer limits for Internet Banking?
Yes. With Internet Banking you are restricted to certain monetary limits. These limits are the maximum combined limits that you can transact over both Internet Banking and the automated Telephone Banking service in any one day (i.e., 24-hour period). These limits have been set to enhance existing security levels, which we already have in place.
The monetary limits are:
If you attempt to pass a transaction of any kind that exceeds these limits (or the currency equivalents), a warning message will appear on the screen advising you to call International Direct Banking on +44 1534 616000, who will then process the instruction on your behalf. It may sometimes be necessary to ask you to provide us with a fax to confirm your request.
Can I set up regular payments, i.e. Standing Orders?
Yes. You can set up payments to be processed on any date or timeframe you specify.
There is also a standing order and direct debit facility which can be used to set up regular sterling transfers to the United Kingdom from an Offshore Bank Account.
Within the 'Future Transfers' option, you can view, change or delete any transfers, which are diarised for a future date.
What proof do I receive for transfers made via Internet Banking?
For your security, all transfers require your confirmation before the instruction goes through. Upon clicking ‘Confirm’ on the review details page, the instruction will be sent for processing. For each instruction you will be given a unique Transaction Reference. This reference is your proof that the instruction is being accepted and processed. You will find this reference on the Acknowledgement page and it should be quoted on any queries you may have.
If I make a transfer to the wrong beneficiary, can I cancel or stop it?
If you schedule a transfer to be processed immediately, you may not be able to stop the transfer.
Any other future or recurring payments may be cancelled if done within at least one full business day before the processing date (Standing Orders and Direct Debits from the Offshore Bank Account to the UK require 3 working days).
Use the cancel or change options with the Future Transfer sub-menu or call International Direct Banking on 0044 1534 616000.
Can I transfer funds between my accounts?
Yes, you may transfer funds between your banking accounts.
Please note that some accounts, such as the Online Saver, require advance notice before making withdrawals. No interest is paid on your entire Online Saver account balance in any calendar month you make a withdrawal or on any money which exceeds the maximum balance allowed (£500,000 or US$1,000,000) for any days on which the balance is exceeded. Also, funds cannot be transferred from your Fixed Term Deposit Account before maturity without incurring a penalty. If you wish to transfer funds before the required notice period, please contact International Direct Banking on + 44 1534 616000.
You can schedule transfers between your accounts to occur immediately or on a future date. The transfer function is a great way to quickly pay or move money between your HSBC Bank International Limited accounts
What are the Global View and Global Transfers services?
Global View is the online space for our HSBC Premier customers to view worldwide HSBC accounts held in their name. Once you’ve linked your other HSBC accounts into Global View, and we’ve authenticated that you own those accounts, you can use the Global Transfers international transfer service to move money between eligible accounts in participating HSBC countries.
How do I access Global View and the Global Transfers services?
To access either of these services, you must be a HSBC Premier customer and be registered for Internet Banking. Additionally, you must not have opted out of our Premier Customer Directory database. Once you log in to Internet Banking, you must click on the ‘Go to Global View’ button at the top of the left navigation. To use Global View, you must first link in your other eligible HSBC accounts in participating countries. Then once your accounts are linked, you can start to use Global Transfers.
Can I make international transfers involving foreign exchange using the Global Transfers service?
Yes. You can make a transfer now, a transfer later or create a recurring transfer that involves foreign exchange. Once you’ve linked your HSBC Internet Banking accounts into Global View, there is no need to enter in IBANs, BICs, Swift codes or bank addresses to transfer money between eligible accounts in participating countries.
Can I use Global Transfers to move money from my other HSBC bank accounts around the world into my HSBC Bank International accounts?
Yes. Global Transfers will enable you to move money into your eligible ‘Offshore Jersey’ Current and Savings accounts from the other HSBC accounts you’ve linked into Global View and that are participating in Global Transfers.
Is there a fee to use Global View or Global Transfers?
There is no fee to use either of these services or to use Internet Banking.
Do transfers made using Global Transfers still take up to three working days to be credited?
No. Global Transfers allows you to make faster international money transfers between your eligible HSBC accounts in participating countries and can happen almost instantly.
Can I open a Fixed Deposit account online?
Yes, in a wide range of currencies up to a term of 12 months. Current interest rates are provided on the page under Interest Rate Enquiry. On this screen, you will also be able to see the required minimum balances per currency.
Can I manage my investment accounts online?
Yes. You can view the latest value of all your investments held with either HSBC Fund Administration (Jersey) Limited or HSBC Funds Nominee (Jersey) Limited, as well as place orders to sell and switch investments, or add funds to any of your existing investments (where the fund type allows).
For more information about how to manage your investment accounts online, please click here.
If you are interested in investing in other HSBC International funds, please take a look at the various options available to you in our Investments section. Alternately, please contact us on +44 1534 616000
Can I change my Memorable Answer or Password online?
Yes. Simply choose “Change memorable question & answer” or "Change internet banking password" from the Services sub-menu. After confirming the changes, the Memorable Question & Answer or Password becomes effective immediately for Internet Banking.
Can I add accounts to my Internet Banking profile?
Any new accounts opened will appear automatically in your Internet Banking profile.
You can choose which accounts you want to view on Internet Banking by clicking Select Accounts.
Can I stop a cheque online?
Yes. Simply select the 'Stop Cheque' option from the Services sub-menu. The following conditions must be met to use the Stop Cheque Services:
Please contact International Direct Banking on 0044 1534 616000 if you have any questions on stopping a cheque.
Can I update information about myself online?
Yes. You can change personal information, including your address, by selecting either "Update personal information " or “Update correspondence address” from within the Services sub-menu.
Can I send e-mails to the Bank?
Yes. Use either the "Send Message" service from within the 'Contact Centre' menu or the "Contact Us" service at www.offshore.hsbc.com.
Can I print Internet Banking pages?
Yes. There is a 'print' option at the top of each page within the grey gel bar. You may experience some problems printing pages if you access Internet Banking using Netscape 4.79. This is a Netscape browser problem and we recommend you access Internet Banking using one of the other certified Browsers, see section 3 above.