From 30 June 2024, we'll introduce a new 'daily cross-border transfer master limit'. Learn how to update limit here.
Keep your money safe
With high security levels, payment and transfer limits protect your money from scammers. Daily payment and transfer limits include registered / non-registered payees, self-named / third-party HSBC accounts[@transfer-and-payment-payeelimit-thirdpartyhsbc] and bill payments, etc. made through digital and self-service channels, including HSBC HK App, HSBC Online Banking, phone banking and ATM services.
How payment and transfer limits protect you
Security
Once a limit has been set, accumulated payment and transfer amount in a day cannot exceed relevant limit, keeping fraudsters from gaining unfettered access to large sums of money, in case they get hold of your bank account or card details.
Flexibility
Safeguard your bank accounts based on your payment and transfer needs. Set limits for local transfers, global payments and bill payments.
Account protection
Limits will be reset automatically when your usage is inactive, for keeping your money secure. We'll reset your sub-limit to HKD0 for non-registered payees for transfers and payments via HSBC HK App / Online Banking or phone banking, as well as transfers to merchant categories of Securities Brokers or Sports & Leisure on all channels, if you have met the conditions[@transfer-and-payment-payeelimit-limitresetconditions] for reset.
Take me straight to
- Global payment / transfer limits
- Local payment / transfer limits
- Bill payment limits
- How to change your daily payment and transfer limits
Global payment / transfer limits
'Daily cross-border transfer master limit' (with effect from 30 June 2024) is a daily master limit of up to HKD3,000,000 or equivalent covering all global payments / transfers[@transfer-and-payment-payeelimit-gbawmc] via HSBC HK App and Online Banking. It will be set at HKD0 by default as a precaution to protect your account.
Your maximum daily transfer amount to registered / non-registered global payees, and self-named / third-party global HSBC accounts, will be subjected to this new 'daily cross-border transfer master limit' and the existing respective cross-border transfer limits, whichever is lower. Global payment/ transfer sub-limits[@transfer-and-payment-payeelimit-limitcurrency] are as follows.
- Up to HKD3,000,000 daily limit to each registered global payee account
- Up to HKD400,000 daily limit[@transfer-and-payment-payeelimit-dailymasterlimit] to all non-registered payee accounts[@transfer-and-payment-payeelimit-atmservices],[@transfer-and-payment-payeelimit-sharedlimit]
- Up to HKD10,000 daily small-value payment limit for all online payments (including FPS x PromptPay QR payment via 'Scan to pay' under 'FPS transfer' on HSBC HK App)[@transfer-and-payment-payeelimit-smallvaluepayment]
- USD200,000 daily limit for all HSBC Global Transfers[@transfer-and-payment-payeelimit-globaltransfer1] to self-named global HSBC accounts
- USD50,000 daily limit for all HSBC Global Transfers to third-party global HSBC account
| Payment types | HSBC HK App / HSBC Online Banking | Phone banking | Overseas ATM |
|---|---|---|---|
| (With effect from 30 June 2024) Global payments / transfers to registered and non-registered accounts, and self-named HSBC accounts (per customer as payer) | Master limit up to HKD3,000,000[@transfer-and-payment-payeelimit-svp] | N/A | N/A |
| Global payments / transfers to registered accounts (per payee account) | Channel limit up to HKD3,000,000 | Channel sub-limit up to HKD1,000,000 | N/A |
| Global payments / transfers to non-registered accounts (per customer as payer) |
|
|
|
| HSBC Global Transfers to self-named global HSBC account | Channel limit of USD200,000 | N/A | N/A |
| HSBC Global Transfers to third-party global HSBC account | Channel limit of USD50,000 | N/A | N/A |
| Payment types | (With effect from 30 June 2024) Global payments / transfers to registered and non-registered accounts, and self-named HSBC accounts (per customer as payer) |
|---|---|
| HSBC HK App / HSBC Online Banking | Master limit up to HKD3,000,000[@transfer-and-payment-payeelimit-svp] |
| Phone banking | N/A |
| Overseas ATM | N/A |
| Payment types | Global payments / transfers to registered accounts (per payee account) |
| HSBC HK App / HSBC Online Banking | Channel limit up to HKD3,000,000 |
| Phone banking | Channel sub-limit up to HKD1,000,000 |
| Overseas ATM | N/A |
| Payment types | Global payments / transfers to non-registered accounts (per customer as payer) |
| HSBC HK App / HSBC Online Banking |
|
| Phone banking |
|
| Overseas ATM |
|
| Payment types | HSBC Global Transfers to self-named global HSBC account |
| HSBC HK App / HSBC Online Banking | Channel limit of USD200,000 |
| Phone banking | N/A |
| Overseas ATM | N/A |
| Payment types | HSBC Global Transfers to third-party global HSBC account |
| HSBC HK App / HSBC Online Banking | Channel limit of USD50,000 |
| Phone banking | N/A |
| Overseas ATM | N/A |
Examples of quota usage under the new 'daily cross-border transfer master limit' (with effect from 30 June 2024)
Example 1 - Global payments / transfers to registered payee
| Within a day, if you want to make transfer to: | Existing registered payee transfer limit | If you set / adjust your 'daily cross-border transfer master limit' to: | Maximum amount you can transfer via Digital Banking in a day |
|---|---|---|---|
| Registered global payee A only | HKD100,000 | HKD500,000 | HKD100,000 |
| Registered global payee B only | HKD1,000,000 | HKD500,000 | HKD500,000 |
| Registered global payee A followed by payee B | HKD100,000 for payee A HKD1,000,000 for payee B | HKD500,000 | HKD100,000 to payee A HKD400,000 to payee B |
| Within a day, if you want to make transfer to: | Registered global payee A only |
|---|---|
| Existing registered payee transfer limit | HKD100,000 |
| If you set / adjust your 'daily cross-border transfer master limit' to: | HKD500,000 |
| Maximum amount you can transfer via Digital Banking in a day | HKD100,000 |
| Within a day, if you want to make transfer to: | Registered global payee B only |
| Existing registered payee transfer limit | HKD1,000,000 |
| If you set / adjust your 'daily cross-border transfer master limit' to: | HKD500,000 |
| Maximum amount you can transfer via Digital Banking in a day | HKD500,000 |
| Within a day, if you want to make transfer to: | Registered global payee A followed by payee B |
| Existing registered payee transfer limit | HKD100,000 for payee A HKD1,000,000 for payee B |
| If you set / adjust your 'daily cross-border transfer master limit' to: | HKD500,000 |
| Maximum amount you can transfer via Digital Banking in a day | HKD100,000 to payee A HKD400,000 to payee B |
Example 2 - Global payments / transfers to non-registered payee
| Within a day, if you want to make transfer to: | Existing non-registered payee transfer limit[@transfer-and-payment-payeelimit-nonregisteredpayee] | If you set / adjust your 'daily cross-border transfer master limit' to: | Maximum amount you can transfer via Digital Banking in a day[@transfer-and-payment-payeelimit-maxamount2] |
|---|---|---|---|
| Non-registered global payee C only | HKD50,000 | HKD100,000 | HKD50,000 |
| Non-registered global payee D only | HKD300,000 | HKD100,000 | HKD100,000 |
| 2 non-registered global payees with HKD100,000 each | HKD100,000 | HKD100,000 | HKD100,000 to 1st payee HKD0 to 2nd payee |
| Within a day, if you want to make transfer to: | Non-registered global payee C only |
|---|---|
| Existing non-registered payee transfer limit[@transfer-and-payment-payeelimit-nonregisteredpayee] | HKD50,000 |
| If you set / adjust your 'daily cross-border transfer master limit' to: | HKD100,000 |
| Maximum amount you can transfer via Digital Banking in a day[@transfer-and-payment-payeelimit-maxamount2] | HKD50,000 |
| Within a day, if you want to make transfer to: | Non-registered global payee D only |
| Existing non-registered payee transfer limit[@transfer-and-payment-payeelimit-nonregisteredpayee] | HKD300,000 |
| If you set / adjust your 'daily cross-border transfer master limit' to: | HKD100,000 |
| Maximum amount you can transfer via Digital Banking in a day[@transfer-and-payment-payeelimit-maxamount2] | HKD100,000 |
| Within a day, if you want to make transfer to: | 2 non-registered global payees with HKD100,000 each |
| Existing non-registered payee transfer limit[@transfer-and-payment-payeelimit-nonregisteredpayee] | HKD100,000 |
| If you set / adjust your 'daily cross-border transfer master limit' to: | HKD100,000 |
| Maximum amount you can transfer via Digital Banking in a day[@transfer-and-payment-payeelimit-maxamount2] | HKD100,000 to 1st payee HKD0 to 2nd payee |
Example 3 - Global payments / transfers to registered and non-registered payees
| Within a day, if you want to make transfer to: | Existing registered payee transfer limit | Existing non-registered payee transfer limit[@transfer-and-payment-payeelimit-nonregisteredpayee] | If you set / adjust your 'daily cross-border transfer master limit' to: | Maximum amount you can transfer via Digital Banking in a day |
|---|---|---|---|---|
| Registered global payee followed by non-registered global payee | HKD1,000,000 | HKD400,000 | HKD500,000 | HKD500,000 to registered payee HKD0 to non-registered payee |
| Within a day, if you want to make transfer to: | Registered global payee followed by non-registered global payee |
|---|---|
| Existing registered payee transfer limit | HKD1,000,000 |
| Existing non-registered payee transfer limit[@transfer-and-payment-payeelimit-nonregisteredpayee] | HKD400,000 |
| If you set / adjust your 'daily cross-border transfer master limit' to: | HKD500,000 |
| Maximum amount you can transfer via Digital Banking in a day | HKD500,000 to registered payee HKD0 to non-registered payee |
Example 4 - Global Transfers to self-named / third-party global HSBC account
| Within a day, if you want to make transfer to… via Global Transfers | Existing Global Transfers limit to self-named / third-party global HSBC account | If you set / adjust your 'daily cross-border transfer master limit' to: | Maximum amount you can transfer via Digital Banking in a day |
|---|---|---|---|
| Self-named HSBC global account only | USD200,000 | HKD3,000,000 | USD200,000 |
| Self-named HSBC Global Private Banking account only | USD5,000,000 | HKD3,000,000 | HKD3,000,000 |
| Third-party HSBC global account only | USD50,000 | HKD3,000,000 | USD50,000 |
| Within a day, if you want to make transfer to… via Global Transfers | Self-named HSBC global account only |
|---|---|
| Existing Global Transfers limit to self-named / third-party global HSBC account | USD200,000 |
| If you set / adjust your 'daily cross-border transfer master limit' to: | HKD3,000,000 |
| Maximum amount you can transfer via Digital Banking in a day | USD200,000 |
| Within a day, if you want to make transfer to… via Global Transfers | Self-named HSBC Global Private Banking account only |
| Existing Global Transfers limit to self-named / third-party global HSBC account | USD5,000,000 |
| If you set / adjust your 'daily cross-border transfer master limit' to: | HKD3,000,000 |
| Maximum amount you can transfer via Digital Banking in a day | HKD3,000,000 |
| Within a day, if you want to make transfer to… via Global Transfers | Third-party HSBC global account only |
| Existing Global Transfers limit to self-named / third-party global HSBC account | USD50,000 |
| If you set / adjust your 'daily cross-border transfer master limit' to: | HKD3,000,000 |
| Maximum amount you can transfer via Digital Banking in a day | USD50,000 |
Example 5 - FPS x PromptPay QR payment
| Within a day, if you want to make… | Existing small-value payment limit | If you set / adjust your 'daily cross-border transfer master limit' to: | Maximum amount you can pay via Digital Banking in a day |
|---|---|---|---|
| FPS x PromptPay QR payment via 'Scan to Pay' under 'FPS transfer' on HSBC HK App only | HKD10,000 | HKD5,000 | HKD5,000 |
| Within a day, if you want to make… | FPS x PromptPay QR payment via 'Scan to Pay' under 'FPS transfer' on HSBC HK App only |
|---|---|
| Existing small-value payment limit | HKD10,000 |
| If you set / adjust your 'daily cross-border transfer master limit' to: | HKD5,000 |
| Maximum amount you can pay via Digital Banking in a day | HKD5,000 |
Local payment / transfer limits
Limits[@transfer-and-payment-payeelimit-limitcurrency] at a glance:
- Up to HKD3,000,000 daily limit to each registered local payee account
- Up to HKD400,000 daily limit[@transfer-and-payment-payeelimit-dailymasterlimit] to all non-registered payee accounts[@transfer-and-payment-payeelimit-atmservices],[@transfer-and-payment-payeelimit-sharedlimit]
- Up to HKD10,000 daily small-value payment limit for all online payments/ transfers[@transfer-and-payment-payeelimit-smallvaluepayment]
| Payment types | HSBC HK App / HSBC Online Banking | Phone banking | Local ATM |
|---|---|---|---|
| Local payments / transfers to registered accounts (per payee account) | Channel limit up to HKD3,000,000 | Channel sub-limit up to HKD1,000,000 | N/A |
| Local payments / transfers to non-registered accounts (per customer as payer) |
|
|
|
| Transfers from linked same-name accounts at other local banks using Top up HSBC accounts via eDDA (Electronic Direct Debit Authorisation) |
| N/A | N/A |
| Payment types | Local payments / transfers to registered accounts (per payee account) |
|---|---|
| HSBC HK App / HSBC Online Banking | Channel limit up to HKD3,000,000 |
| Phone banking | Channel sub-limit up to HKD1,000,000 |
| Local ATM | N/A |
| Payment types | Local payments / transfers to non-registered accounts (per customer as payer) |
| HSBC HK App / HSBC Online Banking |
|
| Phone banking |
|
| Local ATM |
|
| Payment types | Transfers from linked same-name accounts at other local banks using Top up HSBC accounts via eDDA (Electronic Direct Debit Authorisation) |
| HSBC HK App / HSBC Online Banking |
|
| Phone banking | N/A |
| Local ATM | N/A |
Bill payment limits
Master limit and sub-limits[@transfer-and-payment-payeelimit-limitcurrency] at a glance:
- Up to HKD5,000,000 daily master limit for all payments to merchants[@transfer-and-payment-payeelimit-eipo]
- Up to HKD5,000,000 daily limit for eIPO[@transfer-and-payment-payeelimit-eipo]
- Up to HKD999,999 daily limit for Government / Utilities[@transfer-and-payment-payeelimit-govtutilities]
- Up to HKD500,000 daily limit for Securities Brokers[@transfer-and-payment-payeelimit-svp]
- Up to HKD500,000 daily limit for Sports and Leisure[@transfer-and-payment-payeelimit-svp],[@transfer-and-payment-payeelimit-sportsandleisure]
- Up to HKD250,000 daily limit for Other Merchants[@transfer-and-payment-payeelimit-othermerchants]
| Payment types | Payment limits |
|---|---|
| eIPO |
|
| Government / Utilities | HSBC HK App / HSBC Online Banking, Phone banking and Local / overseas ATM:
|
| Securities Brokers | HSBC HK App / HSBC Online Banking, Phone banking and Local / overseas ATM:
|
| Sports and Leisure | HSBC HK App / HSBC Online Banking, Phone banking and Local / overseas ATM:
|
| Other merchants | HSBC HK App / HSBC Online Banking, Phone banking and Local / overseas ATM:
|
| Payment types | eIPO |
|---|---|
| Payment limits |
|
| Payment types | Government / Utilities |
| Payment limits | HSBC HK App / HSBC Online Banking, Phone banking and Local / overseas ATM:
|
| Payment types | Securities Brokers |
| Payment limits | HSBC HK App / HSBC Online Banking, Phone banking and Local / overseas ATM:
|
| Payment types | Sports and Leisure |
| Payment limits | HSBC HK App / HSBC Online Banking, Phone banking and Local / overseas ATM:
|
| Payment types | Other merchants |
| Payment limits | HSBC HK App / HSBC Online Banking, Phone banking and Local / overseas ATM:
|
How to change your daily payment and transfer limit
We will launch the limit setting feature on HSBC HK App and Online Banking on 30 June 2024. This feature will allow you to set / adjust the 'daily cross-border transfer master limit' immediately per your needs.
Please ensure that you've activated your Mobile Security Key (or hold a physical security device) and maintained a valid email address and mobile number in your bank record before setting your 'daily cross-border transfer master limit' via:
HSBC HK App
Log on and select 'Pay & Transfer' at the bottom, tap on 'Set limits' icon under 'More actions', or select the profile icon on top right corner, then select 'Pay and Transfer' under 'Settings and preferences'. Select 'Transfer and withdrawal limits'.
Note: If you want to set / adjust the new 'daily cross-border transfer master limit' from 30 June 2024, you can select this new limit and follow the instructions to complete the update. Please ensure you have the latest version of the HSBC HK App.
HSBC Online Banking
Log on and go to 'Settings' under 'Pay & transfer' from the top menu, then select 'Daily payment and transfer limits'.
Note: If you want to set / adjust the new 'daily cross-border transfer master limit' from 30 June 2024, you can choose 'Edit' next to 'Global payments and transfers' and follow the instructions to complete the update.
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Frequently asked questions
Contact us
If you need further help, you can connect via 'Chat with us' on the HSBC HK App or HSBC Online Banking or call the following customer service hotlines.
HSBC Global Private Banking customers
(852) 2233 3033
HSBC Premier Elite customers
(852) 2233 3033
HSBC Premier customers
(852) 2233 3322
Other personal banking customers
(852) 2233 3000
Important information
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