HSBC Everyday Global Account

- Account keeping fee
- $0
- ATM withdrawal fee
- $0
- Overseas ATM withdrawal fee
- $0
Our verdict
You can earn 2% cashback on tap and pay purchases and hold 10 different currencies with this everyday transaction account.
Arguably the biggest benefit of this account compared to other transaction accounts is that you can earn 2% cashback on tap and pay purchases under $100. This is capped at $50 per month, which allows you to earn up to $600 over the year just in cashback. To be eligible for the cashback benefit you need to deposit $2000 a month, which could be easy to do if you get your salary deposited into the account.
Most other bank accounts with cashback incentives only have a one-time cashback offer when you first open the account, not an ongoing cashback offer like this account. This is why this account was named the Best Transaction Account in the 2020 and 2021 Finder Awards.
As well as the cashback perk, you can hold up to 10 different currencies in the account at once which allows you to pay like a local when you’re overseas. There are no international transaction fees which can also save you a lot of money when traveling, as these can be as high as 3.5% of the transaction value with other accounts.
Even if you don’t travel much, you can still save money from paying no international transaction fees when shopping online from international retailers.
Pros
-
Earn 2% cashback on tap and pay purchases
-
Hold up to 10 currencies in the one account
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No international transaction fees
-
No international ATM fees
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Apple Pay and Google Pay available
Cons
-
You can only pre-load up to 10 currencies
-
Fees apply to deposit foreign currency notes into the account
Details
Key details
Product Name | HSBC Everyday Global Account |
Monthly account fee | $0 |
Card access | Visa |
Own network ATM fee | $0 |
International transaction fee | 0% |
Monthly deposit required to waive account fee | N/A |
Contactless Payments | Apple Pay, Google Pay |
Eligibility
Minimum Age | 18 |
Joint account availability | Yes |
Minimum opening deposit | N/A |
Your reviews

Alison Finder
Editor
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Richard Whitten Finder
October 23, 2023
Hi Mark,
HSBC allows customers to open accounts in multiple countries. But it looks like you’d need to live in the other country, be moving there soon or have a valid reason to open an account. Simply having an account in another country isn’t enough. But I suggest enquiring directly with HSBC about this.
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Helen
October 01, 2023
Do I need to use a HSBC branded ATM when overseas to avoid their international ATM fee? The t’s & c’s seem to imply there would be a fee in Argentina, France, Greece, Malta, Mexico and Turkey if I don’t use a HSBC ATM, but everywhere else I can use any ATM – is that correct? Appreciate I may have to pay the overseas ATM provider a fee, but not keen to pay my bank here an ATM fee well. Thanks!
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Shubham Pandey Finder
October 23, 2023
Hi Helen,
Yes, that is correct. The said account allows you to holdthe following currencies only: AUD, USD, GBP, EUR, HKD, CAD, JPY, NZD, SGD, and CNY.
You can still use your account to make transactions in other currencies — Even when you’re using a currency that’s not supported there will be no international transaction fee charged. The money will be converted from your AUD balance at the current Visa exchange rate.
I hope this helps.
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Europe
September 28, 2023
Do I definitely need to preloaded this card with the currency I need for overseas travel, or can I open the account with Aussie $$ and the currency exchange occurs at point of sale overseas?
If I can do this, is there then currency exchange fee applicable?

Alison Banney Finder
September 29, 2023
Hi, you don’t need to preload the card. You can still make purchases with your AUD and a currency exchange will take place at the current Visa rate. There’s no international transaction fee.

Jay
September 14, 2023
1 Can you receive USD into the account and keep it in USD? 2 What are the transfer fees to transfer to an overseas bank and 3 exchange rate fees if want to convert back from USD to AUD, please?

Shubham Pandey Finder
October 23, 2023
Hey Jay,
Thank you for your questions. Please find the answers below.
Q) Can you receive USD into the account and keep it in USD?
Yes, with the HSBC Everyday Global Account, you can hold up to 10 different currencies in the one account, including USD. This means you can receive and keep USD in your account without the need for immediate currency conversion. This is a convenient feature for those who deal with multiple currencies regularly.
Q) What are the transfer fees to transfer to an overseas bank?
HSBC typically offers competitive international transfer fees for their customers. However, the exact fees may vary depending on various factors, such as the destination country, the amount being transferred, and the method of transfer (e.g., online or in-branch). It’s advisable for the customer to check with HSBC for the most up-to-date information on transfer fees.
Q) Exchange rate fees if you want to convert back from USD to AUD
When converting currency from USD to AUD within your HSBC Everyday Global Account, you will typically be subject to foreign exchange rates. HSBC provides exchange rates based on the Visa exchange rate for currency conversions. These rates may be competitive, but it’s essential to check with HSBC for the current rates and any associated fees, as exchange rates can fluctuate.
Keep in mind that exchange rates can vary depending on market conditions, so it’s a good practice to monitor rates and be aware of any fees associated with currency conversion. HSBC may offer real-time currency exchange rates when the foreign currency (FX) market is open, which can be beneficial for getting competitive rates.
I hope this helps.
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Judi
August 23, 2023
Are you able to load Egyptian and Jordan dollars on the HSBC card
Thanks

Alison Banney Finder
September 21, 2023
Hi, this account allows you to hold the following currencies only: AUD, USD, GBP, EUR, HKD, CAD, JPY, NZD, SGD, and CNY. You can still use your account to make transactions in other currencies, however you just can’t load other currencies onto the account.
Mark
October 20, 2023
Hi Alison, If I open a HSBC account here in Australia, does this also allow me to open a HSBC UK account in the uk?
Thanks