Get the Finder app 🥳

Track your credit score

Free

HSBC Everyday Global Account

Finder Award
Last updated:  

This everyday transaction account can hold 10 currencies and charges no international transaction fees. Plus, earn 2% cashback on tap and pay purchases (T&C's apply).

The HSBC Everyday Global Account is an everyday transaction account, multi-currency account and travel debit card all in one. You can use it in Australia to deposit your salary, pay bills and make daily purchases like a regular bank account. Or take it with you when travelling and hold up to 10 currencies, plus pay no international transaction fees, no account-keeping fees and no international ATM fees.

$0

Account keeping fee

$0

ATM withdrawal fee

$0

Overseas ATM withdrawal fee

We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder .

Details

Product NameHSBC Everyday Global Account
Monthly account fee$0
Card accessVisa
ATM Withdrawal Fee$0
International transaction fee0%
Monthly deposit required to waive account feeN/A

Expert review

Alison Banney

Review by


Alison Banney is the banking and investments editor at Finder. She has written about finance for over six years with her work featured on sites including Yahoo Finance, Money Magazine and Dynamic Business.

Expert review

This account acts like a standard everyday transaction account when you’re here in Australia, and also makes a great travel debit card when you head overseas.

You can hold up to 10 currencies in the account, so you can load up on the currency you need before you go travelling and pay like a local when you’re there. You won’t be charged international transaction fees on purchases made overseas or online from overseas retailers which is a great benefit of the account.

Keep in mind that while HSBC won’t charge you international ATM withdrawal fees, the local ATM operator may charge its own fee. And, if you’re travelling to a country with a local currency that’s not supported with this account (for example India), the money will be converted from your AUD balance at the current Visa exchange rate on the day. So you’re unable to preload this currency when exchange rates are favourable.

When you’re not travelling, you can use the account to pay your bills, deposit your salary and make everyday purchases with the linked Visa Debit Card, Apple Pay or Google Pay. Samsung Pay isn’t available yet, but most new Samsung devices should be compatible with Google Pay.

Key features

SPECIAL OFFER: $100 cash bonus for new customers

Are you a new HSBC customer? You can earn a $100 cash bonus if you open an Everyday Global Account before 31 December 2020 and deposit $2000 or more each month for 3 consecutive months within 6 months of opening your account. The $100 bonus will be paid into your account in AUD.

Full T&Cs are available on HSBC''s site.

An everyday transaction account and travel debit card in one

This account is not just for travellers, but designed as an everyday transaction account to use at home in Australia too. Use the account to pay bills and make daily purchases in-store or online, just like you would with a regular bank account.

Linked Visa Debit card

This account comes with a free linked Visa Debit card which you can use in-store or online wherever Visa is accepted around the world.


How to apply

If you think this is the account for you, you can easily apply online in less than 10 minutes. Check that you meet the eligibility requirements first, and make sure you have the necessary documents handy.

Eligibility

  • Minimum age. The minimum age requirement for this account is 18 years of age.
  • Residency requirement. In order to be eligible for this account, you must have an Australian residential address.

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

83 Comments

  1. Default Gravatar
    Matthew
    March 11, 2020

    Is it possible to have a joint hsbc everyday global account?

    I have searched on finder for “best joint bank account” and this account comes up but in eligibility it says it’s not a joint account.

    • Default Gravatar
      Nikki
      March 12, 2020

      Hi Matthew,

      Thanks for your comment and I hope you are well. Yes, this account is offered as a joint account. You would be able to apply for this account either by:
      – instant online application
      – over the phone (staff assisted end to end)
      – visit local branch

      Aside from reaching out to the bank, as a friendly reminder, check the following before lodging your application:
      1. Account eligibility criteria and documents required
      2. Product Disclosure Statements and Terms & Conditions

      Hope this helps and feel free to reach out to us again for further assistance.

      Best,
      Nikki

  2. Default Gravatar
    Julian
    October 14, 2019

    What are the foreign currencies supported by the card?

    • Avatarfinder Customer Care
      Charisse
      October 15, 2019

      Hi Julian,

      Thanks for reaching out to Finder.

      In addition to Australian dollars, with HSBC Everyday Global Account, you can buy, hold, save and spend in the following currencies: USD$, GBP£, EUR€, HKD$, CAD$, JPY¥, NZD$, SGD$, CNY¥ (currency restrictions apply to CNY¥).

      I hope this helps.

      Cheers,
      Charisse

  3. Default Gravatar
    SC
    October 7, 2019

    Is this a credit or debit card? They ask for an awful lot of information in the application – Will HSBC run a credit check on my name?

    • Default Gravatar
      Ash
      October 8, 2019

      Hi SC,

      Thanks for contacting Finder.

      The HSBC Everyday Global Account is a Transaction Account that comes with a Visa Debit Card that you may use for your everyday purchases. There will be no credit check for opening the HSBC Everyday Global Account as it is not a credit lending facility.

      I hope this helps.

      Cheers,
      Ash

  4. Default Gravatar
    john
    September 17, 2019

    If I apply for an account will it be based in Australia or the UK?

    • Default Gravatar
      Nikki
      September 18, 2019

      Hi John,

      Thanks for getting in touch! For the HSBC Everyday Global Account, in order to be eligible for this account, you must have an Australian residential address.

      As a friendly reminder, check the eligibility requirements of the card before proceeding with your application. Also, read about its features and benefits and see how it fits your financial needs. Additionally, it’s helpful to review the PDS and Terms & Conditions of the card before fully committing to the card. You may also reach out to the bank if you have any clarifications.

      Hope this helps!

      Best,
      Nikki

  5. Default Gravatar
    Matthew
    September 7, 2019

    I’m thinking of just using this account when I go overseas. Is there any fee for keeping balance at zero for a while?

    • Avatarfinder Customer Care
      Joshua
      September 8, 2019

      Hi Matthew,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      The answer to your question is no. HSBC Everyday Global Account doesn’t come with account keeping fees and there’s no monthly fee as well.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  6. Default Gravatar
    Roy
    August 23, 2019

    Hi,

    Can I deposit local currency’s overseas? E.g. Singapore currency in Singapore without getting fee or do I still get fee as account open in Australia?

    Thanks!

    • Avatarfinder Customer Care
      Jeni
      August 24, 2019

      Hi Roy,

      Thank you for getting in touch with Finder.

      If your HSBC Everyday Global Account holds the currency you’re depositing like SGD, you will not be charged for doing so. If any deposit is made in a currency different from any of the currencies of your Everday Global Account, a currency conversion will be made to convert the funds deposited into your controlled currency, which is the AUD, and a fee may apply. Kindly get in touch with HSBC for further clarification on this matter.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  7. Default Gravatar
    Lynnette
    August 1, 2019

    I am traveling to Switzerland and then Eastern European countries soon. Do I have to specify in my account an AUD balance and a Euro balance, or can I just leave my funds as AUD to be converted on the day I withdraw from my account? How much is the conversion fee?

    • Avatarfinder Customer Care
      Jhez
      August 2, 2019

      Hi Lynnette,

      Thank you for your comment.

      Yes, it’ll be withdrawn from your AUD balance and converted to the local currency at the current Visa exchange rate. There is no conversion fee. Hope this helps.

      Regards,
      Jhezelyn

  8. Default Gravatar
    Stephen
    August 1, 2019

    Do you have any branch in Perth, WA? Do you charge any fees for transactions in Sweden and Norway?

    • Avatarfinder Customer Care
      Jhez
      August 2, 2019

      Hi Stephen,

      Thank you for your comment.

      Yes, HSBC has a branch at 188/190 St Georges Terrace, Perth WA 6000, Australia. The HSBC Everyday Global account does not charge international transaction fees, which means that there should be no charges when using it in Sweden and Norway.

      Regards,
      Jhezelyn

  9. Default Gravatar
    Gian
    June 15, 2019

    Hi, I’m from the Caribbean where there’s very limited options for banking. It’s very difficult to make transactions in foreign currencies. I’d like to use an account to make/receive payments, travel regularly for leisure and business purposes, not to mention I appreciate the size and stability that HSBC possesses. I am currently unable to travel to Australia, nor do I have an Australia address I can use. I do however, have an address (family) in the UK and USA which I can use despite being a non-citizen/resident of both countries. I’ve tried some searches but have not found any conclusive answer. Is there any way I could access this everyday global account and services? If not, what are some other options I can consider? Thanks in advance!

    • Default Gravatar
      Nikki
      June 15, 2019

      Hi Gian,

      Thanks for your inquiry.

      The HSBC Everyday Global Account needs and Australian address this means you won’t be eligible for it. As of this writing, we don’t have savings accounts for non-AU residents. You can try to find accounts on this page and you will need to provide a US residential address, your passport, and a valid visa. Some banks require a second form of ID, such as your driver’s license or birth certificate. As a friendly reminder, review the eligibility criteria and read up on the terms and condition of the account before applying. Feel free to reach out to the bank if you need any clarifications.

      Hope this helps!

      Best,
      Nikki

  10. Default Gravatar
    Zak
    June 12, 2019

    I receive and send a lot of transactions in US dollars each month. My Australian Bank takes a $10 fee to receive the funds, there is $25 taken out somewhere after it is sent and before it is received by me (my bank says its the handling bank ANZ) and then I have a very poor interbank exchange rate.

    If i was to send and receive USD would their be any fees involved?

    • Default Gravatar
      Nikki
      June 13, 2019

      Hi Zak,

      Thanks for getting in touch!

      To send and receive USD using HSBC Everyday Global account, note that the fees are as follows:

      – If you were to receive the funds electronically for foreign currency funds that are coming overseas, you will incur an Inward transfer fee of $10AUD per transfer.
      – And for transferring funds overseas, you will incur an Outward fee of $20AUD per transfer.

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      Best,
      Nikki

Go to site