1

HSBC Wealth and

Personal Banking

Document
2024
2 3

Contents

General Services - all accounts 4

Deposit Account and Services 6

Payment Services 8

Electronic Banking, Debit Card and Other Services 10

Guarantees (existing only) 10

Investments and Securities Trading 11

Credit Cards 16

Unsecured Loans 20

Secured Loans 21

HSBC Premier Privileges 22

HSBC Premier (with Premier Elite service) Privileges 26

4 5

General Services - all accounts

Item Description Charge Safe deposit locker Key deposit S$150 (refundable upon return of original key)
Break-locker charge S$200 (S$218 incl. of GST)
Cheque/draft Singapore dollar local clearing S$3 per cheque* Witnessing the documenting of inventory S$100 (S$109 incl. of GST) < 1 hour
deposits US dollar local clearing US$5 per cheque* S$150 (S$163.50 incl. of GST) > 1 hour
- Effective from *Cheque deposit charge will be waived for Loss of keys (key deposit is non-refundable) S$150 plus break locker charge (if customer retains
01 July 2024 customers aged 60 years old and above from the service) or
01 July 2024 to 31 Dec 2025
S$200 (if customer discontinues the service)
Cheque Singapore dollar local clearing S$1 per cheque* Overdue charges S$20
issuance US dollar local clearing US$1 per cheque*
- Effective from *Cheque issuance charge will be waived for
01 July 2024 customers aged 60 years old and above from
01 July 2024 to 31 Dec 2025.
Coin exchange/ You can exchange coins, make deposits First 50 pieces free Safe deposit locker Description Annual rental fees
withdrawal/ or withdraw amounts in coin. S$5 for next 1,000 pieces or part thereof sizes
deposit S$10 for every subsequent 1,000 pieces or part
thereof
Small (3” x 5” x 22”), (4” x 5” x 20”), S$300, (S$327 inc. GST)
Bulk cash notes You can deposit or exchange cash notes First 300 pieces free (4” x 5” x 22”), (4” x 8” x 20”),
deposit/exchange in bulk. S$2.50 for every subsequent 100 pieces or part (5” x 5” x 20”), (5” x 5” x 22”)
thereof
Standing Set up charge Free Medium (5” x 10” x 20”), (5” x 10” x 22”), S$450, (S$490.50 inc. GST)
instructions Amendment/cancellation Free (8” x 8” x 20”)
Unsuccessful Standing Instruction S$30 per item
Marked cheques Marked cheque includes: Large (10” x 10” x 20”), (10” x 10” x 22”), S$600, (S$654 inc. GST)
Non HSBC cheques drawn locally S$100 per cheque (include paying bank’s charge) (10” x 10” x 24”), (8” x 16” x 20”)
HSBC cheques S$30 per cheque
Extra-Large (16” x 16” x 20”) S$800, (S$872 inc. GST)
Stop cheque For SGD accounts via:
payment Branch S$30 per cheque
Phone Banking services(automated) S$15 per cheque New safe deposit lockers are only available to HSBC Premier Onshore customers.
For Foreign currency accounts via:
Branch US$30 or equivalent per cheque
Phone Banking services(automated) US$15 or equivalent per cheque
Outward returned For SGD accounts due to: Item Description Charge
cheque Lack of funds S$50
Techical reasons S$30 International Emergency encashment at HSBC S$30 per encashment
For Foreign currency accounts due to: services branches in Singapore (overseas
Lack of funds US$30 or equivalent customers only)
Techical reasons US$30 or equivalent

Other services Cheque image/voucher retrieval S$50 per copy

Document retrieval
Up to 3 years S$30 (S$32.70 inclusive of GST) per document
More than 3 years S$50 (S$54.50 inclusive of GST) per document
Letter of Reference S$30 (S$32.70 incl. of GST)

Statements Retrieval of account statements, loan

retrieval statements and composite statements
relating to deposit accounts, property
loan and unsecured loan
Up to 3 years S$30 (S$32.70 inclusive of GST) per monthly
statement
More than 3 years S$50 (S$54.50 inclusive of GST) per monthly
statement

Fees relating to statement or Composite Statement retrieval which includes current, savings and deposit accounts will be capped
at S$1,500 (or S$1,635, inclusive of GST, where applicable) per request
6 7

Deposit Account and Services

Item Premier, Advance, Statement, Passbook, Premier Lite and Everyday Global Other foreign currencies Other foreign currencies
Current, HSBC Flexi KidzSaver Savings Accounts Account (Savings) current account* savings account (existing only)
and HSBC eFlexi
Accounts

Minimum initial deposit S$2,000 Statement savings account S$1,000 S$2,000 US$5,000 or equivalent N.A.
Note: HSBC Flexi, HSBC Premier Lite savings account S$1
eFlexi and Advance
accounts are no longer
issued.

Minimum account balance fee S$5 Statement Savings account S$5 S$5 The respective minimum balance service charge will be levied where
which applies if the average daily balance Note: Minimum account Passbook Savings account the average daily balance for the month is less than the required
for the month falls below S$2,000 balance fee is not applicable minimum sum stipulated for the respective account.
for HSBC eFlexi Account.
Basic banking account** NA
Premier Lite Savings account Currency Average daily Minimum
KidzSaver account balance balance fee
US dollar US$800 US$10
Sterling pound £800 £10
Australian dollar A$800 A$10
Hong Kong dollar HK$7,000 HK$100
Japanese yen ¥100,000 ¥1,000
Euro €800 €10
Canadian dollar CA$800 CA$10
New Zealand dollar NZ$3,000 NZ$15
Paper Statement Fee S$2 S$2 S$2 S$2 equivalent S$2 equivalent
which applies if customers opt to receive
paper statements
Effective from 01 July 2023

Account closure fee for closures within S$50 S$50 S$50 US$50 or equivalent US$50 or equivalent
6 months from the opening date

Unauthorised O/D interest Prime + 5% (min. S$10) N.A. N.A. Prime + 5% (min. US$10) N.A.

Commission in lieu of foreign N.A. N.A. 1.5% handling commission 1.5% handling commission 1.5% handling commission
exchange for cash deposit/withdrawal (min. S$10) (min. S$10) (min. S$10)
made in the same currency as account

Replacement of Passbook N.A. S$15 N.A. N.A. N.A.

(existing accounts only)

Deposit Insurance Scheme Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit *
Current – Only USD Cheque book available
Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency
**
Only applicable to Singapore citizens or permanent residents earning a monthly income below S$2,000 and are
a recipient of the MCYS Public assistance scheme or Special grant scheme
deposits, dual currency investments, structured deposits and other investment products are not insured.
8 9

Payment Services
Item Charge Item Charge

Inward Credit to account* S$10 per transaction Demand draft Cancellation of draft
Remittances Without replacement (draft returned to bank) S$20
With replacement (draft returned to bank) S$40
Inward foreign Purchase/Collection 0.125% handling commission (min. S$50, max
currency S$500) + postage S$3 Stop payment of draft
Transit interest (drawee bank charge will Charge will apply for cheques purchased Without replacement S$40
be deducted from cheque proceeds and With replacement S$60
courier charges (if any)).
Plus cost of cable plus overseas charges, if any.
Cashier’s Order Service Charge: **

Singapore dollar S$10

US dollar US$20
Telegraphic Transfers
Waived for first Cashier’s Order issued to
HSBC Singapore charges are waived for Telegraphic Transfers via Online/Mobile Banking and Standing Instructions.
own name*
Postage Waived, courier charges where applicable
Pricing for Telegraphic Transfers through Branch (Smartform) is as follows:
Replacement of Cashier’s Order (Lost/Stolen):
Singapore dollar S$20 plus stop payment charges of S$30 (if any)
US dollar US$40 plus stop payment charges of US$30 (if Customer Instruction# TT Commission Commision in lieu of exchange Cost of cable
any)
Debited from a Singapore S$35 N.A. S$20
Singapore At the branch (MEPS) - Effective from 1 Nov 2023 dollar account
dollar payments Payment amount S$250,000 or below S$30 per item
to banks in Payment amount above S$250,000 S$1 per item Debited from a foreign currency S$35 Waived S$20
Singapore account in the same currency
Using Online/Mobile banking (MEPS) S$10 per item
Using Online/Mobile banking (GIRO) Free
Using Online/Mobile banking (FAST) Free
For Premier Privileges, please refer to page 24.

Demand draft Debited from a Singapore dollar account 0.125% commission (min. S$30, max. S$200) You may also have to pay overseas related charges such as the agent/correspondent bank charges received for the transfer(s) made.
S$35 cost of cable if any, postage and agent
charge where applicable Any related charges such as overseas, agent and telex/cable charges will be collected post transfer(s). These charges will
Debited from a foreign currency account 0.125% commission (min. S$30, max. S$200) depend on the request of the intermediary/beneficiary banks to facilitate the transfer(s) made.
in the same currency plus 0.125% commission in lieu of foreign
currency exchange (min. S$50, max. S$500) At the overseas banks’ discretion, charge indicator may be changed, FX conversions may apply or charges may be deducted
S$35 cost of cable if any postage and agent from the payment amount. These charges may be deducted from the payment amount or charged back to your account
charge where applicable regardless of the charge option.
Postage Waived, courier charges where applicable
For Telegraphic Transfers routed via MEPS, MEPS charges will apply (refer to page 8).
*
May not include beneficiary bank processing fees
** Please note, effective 24 May 2017, the max charge on CILE charges relating to foreign currency cash have been removed.
Item Charge

Telegraphic Cost of cable S$40 per cable plus agent charges, if any
Transfer
Investigations Document retrieval charges
(initiated by Up to 3 years S$30 (S$32.70 inclusive of GST) per month
customer) More than 3 years S$50 (S$54.50 inclusive of GST) per month
10 11

Electronic Banking, Debit Card and Other Services Investments and Securities Trading
Item Charge Item Charge

Personal internet Security device replacement - lost S$20 Outward transfer of notes/Equity Linked Notes (ELN) 0.5% of the nominal value plus prevailing GST
banking
Outward transfer of bonds USD$100 (USD109 inclusive of GST)
ATM or Debit
Personal Card
internet Replacement
Security ATM
device or Debit Card
replacement - lost S$5
S$20
banking

ATM or Debit Card Service charges Fees & charges for SGX listed securities
charges HSBC ATMs in Singapore Free
ATMs bearing atm5 logo from Bank of Waived SGX Listed Online** Brokerage Fee for trades Clearing Fee*^ SGX Access Fee*^
China, Citibank, Standard Chartered Bank, Securities Brokerage Fee^ that are not placed online^
Maybank and State Bank of India in
Singapore SGD 0.15% of contract value
plus prevailing GST, min. Up to 0.40% of contract value
HSBC ATM Overseas Waived securities plus prevailing GST, min. SGD 35
SGD 10 (SGD 10.90
VISA/ MasterCard/ PLUS/ Cirrus S$8 per transaction inclusive of GST) (SGD 38.15 inclusive of GST)
Network (Singapore and Overseas)
USD 0.15% of contract value
Foreign Currency Transaction Fee: Up to 0.40% of contract value
securities plus prevailing GST, min.
Foreign Currency transactions made 1.5%* of the foreign currency transaction amount. plus prevailing GST, min. USD 25
USD 10 (USD 10.90
on Debit/ATM Card *With effect from 5 January 2024, this will be revised (USD 27.25 inclusive of GST)
inclusive of GST)
to 2.25%. (Excluding all Everyday Global Account
supported currencies except offshore RMB). AUD 0.15% of contract value Up to 0.40% of contract value
Note: securities plus prevailing GST, min.
• Overseas cash withdrawal and purchases are subject to the prevailing exchange rate, where applicable plus prevailing GST, min. AUD 35
• All transactions in foreign currency are also subject to an additional charge of up to 1% imposed by the Visa card association.
AUD 10 (AUD 10.90 (AUD 38.15 inclusive of GST)
• Additional fees may be levied by other banks for accessing their ATM networks inclusive of GST)
EUR 0.15% of contract value 0.0325% 0.0075% of
Other services Cash withdrawal using HSBC Quickcash Free Up to 0.40% of contract value
securities plus prevailing GST, min. of contract contract value,
plus prevailing GST, min. EUR 20
Bill Payment Services via 7-Eleven, AXS Free EUR 7 (EUR 7.63 value, plus GST plus GST at the
(EUR 21.80 inclusive of GST)
Terminals and SingPost/ S.A.M.™ inclusive of GST) at the prevailng rate prevailng rate
Bill Payment via Online and Mobile Banking Free
GBP 0.15% of contract value Up to 0.40% of contract value
securities plus prevailing GST, min. plus prevailing GST, min. GBP 16
GBP 7 (GBP 7.63
Guarantees (existing only)
(GBP 17.44 inclusive of GST)
inclusive of GST)

HKD 0.15% of contract value

Up to 0.40% of contract value
securities plus prevailing GST, min.
plus prevailing GST, min. HKD 190
Item Charge HKD 50 (HKD 54.50 (HKD 207.10 inclusive of GST)
inclusive of GST)
Letters of Commission will be dependent on the S$12.50 per month (min. S$150 per annum) JPY 0.15% of contract value
guarantee length of the period for which the guarantee Up to 0.40% of contract value
securities plus prevailing GST, min. plus prevailing GST, min. JPY 3000
is valid. Please note that the commission JPY 900 (JPY 981 (JPY 3270 inclusive of GST)
charges shall include claim period. inclusive of GST)

**
Online refers to trades placed on HSBC Singapore Online Banking and HSBC Singapore app
12 13

Investments and Securities Trading

Securities transfer
Fees & charges for HKEx listed securities
Inward Transfer of Free of Charge
Securities
HKEx Online**Brokerage Fee^ Brokerage Fee for Stamp Transaction FRC HKEx
Listed trades that are not Duty * Levy* Transaction Trading*
Securities placed online Levy * Fee*
Outward Transfer of 0.5% of securities value based on previous
Securities business day’s closing price, plus prevailing GST.
In addition, for Hong Kong securities, stamp
0.15% of contract value plus Up to 0.40% of contract duty * as applicable, plus prevailing GST
USD 0.1% of 0.0027% 0.00015% 0.00565%
securities prevailing GST, min. USD 10 value plus prevailing GST, contract of contract of contract of contract
value, plus value, plus
(USD 10.90 inclusive of GST) min. USD 25 (USD 27.25 value, value, plus
inclusive of GST) rounded GST at the GST at the *
Please note that fees and charges collected on behalf of non-Bank entities may be subject to revisions from time to time at the discretion of
GST at the
prevailing prevailing the relevant non-Bank entity.
HKD 0.15% of contract value plus Up to 0.40% of contract up to the prevailing
rate rate ^
GST will be applicable for Singapore residents.
securities prevailing GST, min. HKD 50 value plus prevailing GST, nearest rate
dollar, plus
(HKD 54.50 inclusive of GST) min. HKD 100 (HKD 109 Clearing Fee - CDP, SGX Access Fee - SGX, Stamp duty - HK SAR government, Transaction levy - SFC of HK, HKEx Trading Fee - HKEx US
GST at the
inclusive of GST) SEC fees for sell trades
prevailing
rate

Disclosure of Monetary and Non-Monetary Benefits

**Online refers to trades placed on HSBC Singapore Online Banking and HSBC Singapore app HSBC Bank (Singapore) Limited (the “Bank” or “we”) may receive and retain monetary and non-monetary benefits
from other members of the HSBC Group or third parties (such as counterparties, brokers, or agents) in connection with
the origination, distribution, and/or sale of investment products or the referral of services to you. These products or
services may be those issued or provided by the Bank, another member of the HSBC Group, or by third parties. Such
Fees & charges for US listed securities benefits may be received over and above the standard fees and charges levied by us as specified in this disclosure.

Monetary Benefits (Please refer to Table A)

US Listed Securities Online**Brokerage Fee^ Brokerage Fee for trades that US SEC Fee on sell trade*
are not placed online Monetary benefits include trading profits made by the Bank and rebates receivable from product issuers of
distribution fees, initial charges, redemption fees, maintenance fees, servicing fees, contingent deferred sales charges,
US securities 0.15% of contract value plus Up to 0.25% of contract value 0.00278% of contract management fees, trailer fees etc. The types of investment product(s) or services and typical benefit(s) received and
prevailing GST, min. USD 10 plus prevailing GST, min. USD 20 value, plus GST at the retained by the Bank for each type of investment product or service are set out in Table A below. Other members of the
(USD 10.90 inclusive of GST) (USD 21.80 inclusive of GST) prevailing rate
HSBC Group may make trading profits and receive benefits from the origination, issuance, distribution and/or sale of
these investment products which the Bank may not be aware of – such trading profits and benefits are not specifically
**Online refers to trades placed on HSBC Singapore Online Banking and HSBC Singapore app
described in Table A.

The benefits listed in Table A are not exhaustive. In exceptional cases, the benefits receivable by the bank in respect of
Other Fees & Charges
excess benefit to you accordingly.
Depository Service Fee^ (applicable to ADRs)
each ADR. Please refer to the relevant prospectus Non-Monetary benefits
and deposit agreement of the ADR. We may also receive and retain from counterparties, brokers, agents, or other members of the HSBC Group
non-cash benefits such as research and advisory services, economic, political and/or market analysis or data and
quotation services.

Account maintenance We may enter into commission sharing arrangements with such parties in respect of (a) any trades or transactions

Safe Custody Free of charge provided for you in our capacity as principal (for over-the-counter transactions), agent (for exchange traded products or
funds), as custodian, or as nominee.

Depository Service Fee - Imposed by American Depository Receipt (ADR) agents.

The above fees and charges listed are not exhaustive and any fees and changes resulting from corporate actions
or nominee services or securities transfers will have to be borne by you.
14 15

Investments and Securities Trading

Table A- Benefits table

Types of investment Bank acts as: Products Typical benefit(s) received by the Types of investment Bank acts as: Products Typical benefit(s) received by the
products Wealth and Personal Banking division products Wealth and Personal Banking division

Fund products and Agent Open Ended Sales charges Insurance Distributor/ Insurance products Up to the “Total Distribution Cost To-Date” as
other collective Unit Trust, Liquid Up to the full amount of subscription/ Referrer (except group set out in the “Policy Illustration” section of the
investment schemes Alternatives, redemption charges paid by you based on the insurance products) insurance policy.
Closed ended gross investment amount of the trade as set out Group insurance Up to the “Total Distribution Cost” as set out in
funds etc. documents of the fund/scheme product. products the insurance application form.
Trailer Fees
(received by the Bank from the fund house)
Up to 60% of the annual management fee
charged by the fund/scheme as set out in the

Debt securities Principal Certificates of Primary issuances

deposit, bonds, Up to 1% (including rebates from the issuer,
notes, etc. where available and applicable) of the nominal
amount of the trade. Rebate from issuer for
SGD-denominated bonds is up to 0.25%.

Secondary market
Up to 2% of the nominal amount of the trade.
Where the Bank is able to execute the
transaction at a better interbank price, the Bank
will, subject to the above, retain the benefit
from such price improvement.

Structured Investment Principal Structured Notes Up to 5% of the initial investment amount.

Products and Structured
Where the Bank is able to execute the
Deposits
transaction at a better interbank price, the Bank
will, subject to the above, retain the benefit
from such price improvement.

Currency Linked Principal Dual Currency Up to no more than the investment return
Investments Plus payable to you. The investment return refers to
the total amount received from or payable to
a client based on a triggered event (e.g. upon
maturity, below strike price).
Kindly note that there will be a minimum
charge of SGD 50.00 on branch transactions,
transactions that fall below SGD 50.00 will not
be processed.
Spread applied is up to 50% of the Option
Premium# + interest earned from the base or
alternate currency’s deposit*.
*Subject to market prices as at the time the
investment is made. Pre-mature termination of
the investment is subject to unwinding costs to
be determined as at the date of instruction.
#
Option Premium (or also called option price) is
the amount the bank pays the client for the right
to repay the principal sum plus interest at
maturity in either the base or alternate currency.
Where the Bank is able to execute the transaction
at a better interbank price, the Bank will, subject
to the above, retain the benefit from such price
improvement.
16 17

Credit Cards
Item Charges Denominated in US Dollars Charges Denominated in Singapore Dollars

US$ Premier US$ Gold US$ Classic Premier Infinite TravelOne Advance Live+ Platinum Revolution Gold Classic

Annual fee Main card Nil US$65 (US$70.85 US$15 (US$16.35 Nil S$607.48 S$180 S$180 S$180 S$180 Nil S$125.00 S$36
inclusive of GST) inclusive of GST) (S$662.15 (S$196.20 (S$196.20 (S$196.20 (S$196.20 (S$136.25 (S$39.24
inc. GST) inc. GST) inc. GST) inc. GST) inc. GST) inc. GST) inc. GST)

Supplementary card Nil US$40 (US$43.60 US$10 (US$10.90 Nil Nil Nil Nil Nil Nil Nil Nil Nil
inclusive of GST) inclusive of GST)

Late payment charge US$100 US$100 US$100 S$100 S$100 S$100 S$100 S$100 S$100 S$100 S$100 S$100

Overlimit fee US$40 US$40 US$40 S$40 S$40 S$40 S$40 S$40 S$40 S$40 S$40 S$40

Card replacement fee Nil US$20 (US$21.80 US$20 (US$21.80 Nil S$20 (S$21.80 S$20 (S$21.80 S$20 (S$21.80 S$20 (S$21.80 S$20 (S$21.80 S$20 (S$21.80 S$20 (S$21.80 S$20 (S$21.80
(For lost/stolen card) inclusive of GST) inclusive of GST) inc. GST) inc. GST) inc. GST) inc. GST) inc. GST) inc. GST) inc. GST) inc. GST)

Unsuccessful standing US$30 US$30 US$30 S$30 S$30 S$30 S$30 S$30 S$30 S$30 S$30 S$30
instructions

Retrieval of statements US$5 (US$5.45 inclusive of GST) per statement (3 to 12 S$5 (S$5.45 inclusive of GST) per statement (3 to 12 months old)
months old)
US$10 (US$10.90 inclusive of GST) per statement (more S$10 (S$10.90 inclusive of GST) per statement (more than 12 months old)
than 12 months old)

Retrieval of sales draft US$5 (US$5.45 inclusive of GST) per copy (current to 3 S$5 (S$5.45 inclusive of GST) per copy (current to 3 months)
months)
US$10 (US$10.90 inclusive of GST) per copy (more than 3 S$10 (S$10.90 inclusive of GST) per copy (more than 3 months old)
months old)

Cash Advance Fee 8% of cash advance amount or US$15 (whichever is higher) 8% of cash advance amount or S$15 (whichever is higher)

Cash Advance Interest

28.5% 28.5%
Rate (p.a.)

Foreign Currency
2.25% of transaction amount 2.25% of transaction amount
Transaction Fee†

Dynamic Currency
1% of converted transaction amount 1% of converted transaction amount
Conversion Fee

† All transactions in foreign currency are also subject to additional charge of up to 1% imposed by the Visa/MasterCard card associations
18 19

Credit Cards
Item Charges Denominated in US Dollars Charges Denominated in Singapore Dollars

US$ Premier US$ Gold US$ Classic Premier Infinite TravelOne Advance Live+ Platinum Revolution Gold Classic

Prevailing interest rate

(p.a) 27.8% 27.8%

Mileage Programme
Annual Programme Fees US$0 until 31 Jan 2025 (w.e.f. 20 May 2024) S$0 until 31 Jan 2025 (w.e.f. 20 May 2024)

Instalment Plan Acceleration Fee

for early repayment of instalments, change of instalment N.A. S$100
period, or termination of the instalment plan

Paper Statement Fee

which applies if customers opt to receive
paper statements US$2 per account (US$2.18 inclusive of GST) S$2 per account (S$2.18 inclusive of GST)
- Effective from 01 July 2024
20 21

Unsecured Loans Secured Loans

Item Charges Denominated in Singapore Dollars Item Charge

Personal Line of Personal Line of Personal Debt Property Loan Retrieval of valuation reports S$50 (S$54.50 inclusive of GST) per copy
Credit Credit Instalment Instalment Consolidation Rescheduling of redemption date S$200 per request
Plan Loan Safekeeping fee of title deed for fully S$400 (S$436.00 inclusive of GST) per annum
repaid loan
Prevailing interest rate 20.9% Should interest
(p.a.) charges be applicable,
Please refer to the interest rate indicated in the
a minimum of S$10
Notification Letter
per month applies Secured Overdraft/ Minimum interest charge A minimum interest charge of 10.00 (in the
Wealth Portfolio respective loan currency) per month is chargeable
Lending /Lombard on each and any utilisation of the Facility. If the
Lending Facility is not utilised, no interest will be charged.
Interest rate (p.a.) 23.9% N.A.
charged on balance in Other fees and charges are as indicated in the Letter of Offer or Terms and Conditions governing the loan.
excess of credit limit

Overdue interest rate N.A. Subject to Personal 2.5% p.a. 2.5% p.a.
Line of Credit above Personal above Debt
interest rate Instalment Consolidation
Loan interest Loan interest
rate rate

Default interest rate 3% p.a. above Personal N.A. 3% p.a. above 3% p.a.
Line of Credit interest Personal above Debt
rate Instalment Consolidation
Loan interest Loan interest
rate rate

Annual fee S$120 N.A.

Processing fee N.A. 1% of approved loan amount, subject to a minimum of S$88

Late payment charge S$120

Early repayment fee N.A. Please refer to the early repayment fee indicated in the
Notification Letter.
22 23

HSBC Premier Privileges

Item Charge Item Description Charge

Deposit accounts Minimum Account Balance Fee Waived Other privileges Service fee for overseas cash withdrawals Waived
HSBC Premier Service Fee S$50 per month (charged only if Total across all ATMs worldwide using HSBC
Relationship Balance* falls below S$200,000. Premier Everyday Global Debit card
Total Relationship Balance* includes deposits,
investments and/or insurance) Inward Payments Credit to account* Waived
Remittances
Early account closure fee of S$50 to apply for HSBC Premier account / Premier Lite Savings Account closed within 6 months from
account opening. Demand draft Debited from a Singapore dollar account 0.0625 % commission (min. S$15, max. S$200)
S$35 cost of cable if any, postage and agent
*
For more information, please log on to hsbc.com.sg/premier
charge where applicable
Debited from a foreign currency account 0.0625 % commission (min. S$15, max. S$200)
Foreign currency Purchase/collection of foreign 0.0625% commission (min. S$25, max. S$250)
in the same currency plus 0.0625% commission in lieu of foreign
currency cheque: plus postage of S$3
exchange (min. S$25, max. S$500) S$35 cost
Drawee bank charge will be deducted from
of cable if any postage and agent charge
cheque proceeds and courier charges (if any).
where applicable
Cash deposits/withdrawals (for foreign 0.75% commission in lieu of foreign exchange
Postage Waived, courier charges where applicable
currency notes deposited/ withdrawn in (min. S$10)
the same currency of account)
Cashier’s Order Service Charge†
Singapore dollar S$10
US dollar US$20
Postage Waived, courier charges where applicable
Safe deposit locker Description Annual rental fees
sizes Replacement of Singapore dollar S$20 plus stop payment charges of S$30 (if any)
Cashier’s Order US dollar US$40 plus stop payment charges of US$30 (if
Small (3” x 5” x 22”), (4” x 5” x 20”), S$150, (S$163.50, inclusive of GST) (Lost/Stolen) any)
(4” x 5” x 22”), (4” x 8” x 20”),
(5” x 5” x 20”), (5”x 5” x 22”)
†
Waived for first Cashier’s Order issued to self-named.

Medium (5” x 10” x 20”), (5” x 10” x 22”), S$225, (S$245.25, inclusive of GST)
(8” x 8” x 20”)

Large (10” x 10” x 20”), (10” x 10” x 22”), S$300, (S$327, inclusive of GST)
(10” x 10” x 24”), (8” x 16” x 20”)

Extra-Large (16” x 16” x 20”) S$400, (S$436, inclusive of GST)

New safe deposit lockers are only available to HSBC Premier Onshore customers.

Item Description Charge

International Emergency encashment at HSBC Waived

services branches in Singapore (overseas
customers only)
24 25

HSBC Premier Privileges

Telegraphic Transfers
HSBC Singapore charges are waived for Telegraphic Transfers via Online/Mobile Banking and Standing Instructions.

Pricing for Telegraphic Transfers through Branch (Smartform), is as follows:

Customer Instruction# TT Commission Commission in lieu of exchange Cost of cable

Debited from a Singapore S$20 N.A. S$20

dollar account

Debited from a foreign currency S$20 Waived S$20

account in the same currency

TT to self-named HSBC accounts N.A. N.A. S$20

worldwide

You may also have to pay overseas related charges such as the agent/correspondent bank charges received for the transfer(s) made.

Any related charges such as overseas, agent and telex/cable charges will be collected post transfer(s). These charges will depend
on the request of the intermediary/beneficiary banks to facilitate the transfer(s) made.

At the overseas banks’ discretion, charge indicator may be changed, FX conversions may apply or charges may be deducted from
the payment amount. These charges may be deducted from the payment amount or charged back to your account regardless of
the charge option.

For Telegraphic Transfers routed via MEPS, MEPS charges will apply (refer to page 8).

Item Description Charge

Premier FundMax Transfer fee 1% of the prevailing value of the units being
Account transferred out plus prevailing GST
Administration fee at account closure S$120, (S$130.80, inclusive of GST) (if
FundMax account is closed within a year from
date of account opening)

Average Holding Balance Monthly Fee

Less than S$200,000 2.50% p.a. plus prevailing GST

From S$200,000 to less than S$500,000 2.00% p.a. plus prevailing GST

From S$500,000 to less than S$1,000,000 1.50% p.a. plus prevailing GST

S$1,000,000 or more 1.00% p.a. plus prevailing GST

A minimum charging balance of S$50,000 is applicable for Premier customers

*
Please note, effective 24 May 2017, the max charge on CILE charges relating to foreign currency cash have been removed.
26 27

HSBC Premier (with Premier Elite service) Privileges

Item Charge Item Description Charge

Deposit accounts Minimum Account Balance Fee Waived Other privileges Service fee for overseas cash withdrawals Waived
HSBC Premier Service Fee S$50 per month (charged only if Total Relationship across all ATMs worldwide using HSBC
Balance* falls below S$200,000. Total Relationship Premier Everyday Global Debit card
Balance* includes deposits, investments and/or
insurance) Inward Payments Credit to account* Waived
Remittances

Early account closure fee of S$50 to apply for HSBC Premier account / Premier Lite Savings Account/ HSBC Current
Account closed within 6 months from account opening. *For more information, please log on to http://hsbc.com.sg/premier Demand draft Debited from a Singapore dollar account Waived
Debited from a foreign currency account Waived
Foreign currency Purchase/collection of foreign 0.0625% commission (min. S$25, max. S$250) in the same currency
currency cheque: plus postage of S$3 Postage Waived, courier charges where applicable
Drawee bank charge will be deducted from
cheque proceeds and courier charges (if any). Cashier’s Order Service Charge
Cash deposits/withdrawals (for foreign 0.75% commission in lieu of foreign exchange Singapore dollar Waived
currency notes deposited/ withdrawn in (min. S$10) US dollar Waived
the same currency of account) Postage Waived, courier charges where applicable

Replacement of Singapore dollar S$20 plus stop payment charges of S$30 (if any)
Cashier’s Order US dollar US$40 plus stop payment charges of US$30 (if
(Lost/Stolen) any)
Safe deposit locker Description Annual rental fees
sizes
*
Please note, effective 24 May 2017, the max charge on CILE charges relating to foreign currency cash deposits/withdrawals have been removed.
*
May not include beneficiary bank processing fees.
Small (3” x 5” x 22”), (4” x 5” x 20”), S$150, (S$163.50, inclusive of GST)
(4” x 5” x 22”), (4” x 8” x 20”),
(5” x 5” x 20”), (5”x 5” x 22”)

Medium (5” x 10” x 20”), (5” x 10” x 22”), S$225, (S$245.25, inclusive of GST)
(8” x 8” x 20”)

Large (10” x 10” x 20”), (10” x 10” x 22”), S$300, (S$327, inclusive of GST)
(10” x 10” x 24”), (8” x 16” x 20”)

Extra-Large (16” x 16” x 20”) S$400, (S$436, inclusive of GST)

New safe deposit lockers are only available to HSBC Premier Onshore customers

Item Description Charge

International Emergency encashment at HSBC Waived

services branches in Singapore (applicable to
overseas customers only)
28

HSBC Premier (with Premier Elite service) Privileges

Telegraphic Transfers
HSBC Singapore charges are waived for Telegraphic Transfers via Online/Mobile Banking and Standing Instructions.

Pricing for Telegraphic Transfers through Branch (Smartform) is as follows:

Customer Instruction# TT Commission Commission in lieu of exchange Cost of cable

Debited from a Singapore S$15 N.A. S$20

dollar account

Debited from a foreign currency S$15 Waived S$20

account in the same currency

TT to self-named HSBC accounts N.A. N.A. S$20

worldwide

You may also have to pay overseas related charges such as the agent/correspondent bank charges received for the transfer(s) made.

Any related charges such as overseas, agent and telex/cable charges will be collected post transfer(s). These charges will depend
on the request of the intermediary/beneficiary banks to facilitate the transfer(s) made.

At the overseas banks’ discretion, charge indicator may be changed, FX conversions may apply or charges may be deducted from
the payment amount. These charges may be deducted from the payment amount or charged back to your account regardless of
the charge option.

For Telegraphic Transfers routed via MEPS, MEPS charges will apply (refer to page 8).

Item Description Charge

Premier FundMax Transfer fee 1% of the prevailing value of the units being
Account transferred out plus prevailing GST
Administration fee at account closure S$120, (S$130.80, inclusive of GST) (if
FundMax account is closed within a year from
date of account opening)

Average Holding Balance Monthly Fee

Less than S$200,000 2.50% p.a. plus prevailing GST

From S$200,000 to less than S$500,000 2.00% p.a. plus prevailing GST

From S$500,000 to less than S$1,000,000 1.50% p.a. plus prevailing GST

S$1,000,000 or more 1.00% p.a. plus prevailing GST

A minimum charging balance of S$50,000 is applicable for Premier customers

Effective from 21 June 2024

Issued by HSBC Bank (Singapore) Limited (Company Registration No. 201420624K)