HSBC Daily Transfer Limit | Payments and Transfers

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.

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

Daily payment and transfer limits[@transfer-and-payment-payeelimit-limitcurrency] in detail
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)	Master limit up to HKD400,000[@transfer-and-payment-payeelimit-dailymasterlimit] Small-value payment up to HKD10,000[@transfer-and-payment-payeelimit-svp]; Channel sub-limit up to HKD400,000[@transfer-and-payment-payeelimit-svp]	Master limit up to HKD400,000 Channel sub-limit up to HKD50,000[@transfer-and-payment-payeelimit-svp]	Master limit up to HKD400,000 Channel sub-limit up to HKD50,000[@transfer-and-payment-payeelimit-defaultglobaltransfer]
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

Daily payment and transfer limits[@transfer-and-payment-payeelimit-limitcurrency] in detail
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	Master limit up to HKD400,000[@transfer-and-payment-payeelimit-dailymasterlimit] Small-value payment up to HKD10,000[@transfer-and-payment-payeelimit-svp]; Channel sub-limit up to HKD400,000[@transfer-and-payment-payeelimit-svp]
Phone banking	Master limit up to HKD400,000 Channel sub-limit up to HKD50,000[@transfer-and-payment-payeelimit-svp]
Overseas ATM	Master limit up to HKD400,000 Channel sub-limit up to HKD50,000[@transfer-and-payment-payeelimit-defaultglobaltransfer]

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)

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

Global payments / transfers to registered payee
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

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 1^st payee HKD0 to 2^nd payee

Global payments / transfers to non-registered 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 1^st payee HKD0 to 2^nd payee

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

Global payments / transfers to registered and non-registered payees
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

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

Global Transfers to self-named / third-party global HSBC account
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

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

FPS x PromptPay QR payment
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]

Daily payment and transfer limits[@transfer-and-payment-payeelimit-limitcurrency] in detail
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)	Master limit up to HKD400,000[@transfer-and-payment-payeelimit-dailymasterlimit] Small-value payment up to HKD10,000[@transfer-and-payment-payeelimit-svp]; Channel sub-limit up to HKD400,000[@transfer-and-payment-payeelimit-svp]	Master limit up to HKD400,000 Channel sub-limit up to HKD50,000[@transfer-and-payment-payeelimit-svp]	Master limit up to HKD400,000 Channel sub-limit up to HKD400,000[@transfer-and-payment-payeelimit-defaultlocaltransfer]
Transfers from linked same-name accounts at other local banks using Top up HSBC accounts via eDDA (Electronic Direct Debit Authorisation)	Master limit up to HKD100,000 Sub-limit up to HKD/RMB 10,000 per account top up instruction[@transfer-and-payment-payeelimit-topupsublimit]	N/A	N/A

Daily payment and transfer limits[@transfer-and-payment-payeelimit-limitcurrency] in detail
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	Master limit up to HKD400,000[@transfer-and-payment-payeelimit-dailymasterlimit] Small-value payment up to HKD10,000[@transfer-and-payment-payeelimit-svp]; Channel sub-limit up to HKD400,000[@transfer-and-payment-payeelimit-svp]
Phone banking	Master limit up to HKD400,000 Channel sub-limit up to HKD50,000[@transfer-and-payment-payeelimit-svp]
Local ATM	Master limit up to HKD400,000 Channel sub-limit up to HKD400,000[@transfer-and-payment-payeelimit-defaultlocaltransfer]

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	Master limit up to HKD100,000 Sub-limit up to HKD/RMB 10,000 per account top up instruction[@transfer-and-payment-payeelimit-topupsublimit]
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]

Daily payment and transfer limits[@transfer-and-payment-payeelimit-limitcurrency] in detail
Payment types	Payment limits
eIPO	Master limit up to HKD5,000,000[@transfer-and-payment-payeelimit-eipo] HSBC HK App / HSBC Online Banking Channel sub-limit up to HKD5,000,000[@transfer-and-payment-payeelimit-eipo] Phone banking: N/A Local / overseas ATM: N/A
Government / Utilities	HSBC HK App / HSBC Online Banking, Phone banking and Local / overseas ATM: Master limit up to HKD5,000,000[@transfer-and-payment-payeelimit-eipo] Channel sub-limit up to HKD999,999[@transfer-and-payment-payeelimit-govtutilities]
Securities Brokers	HSBC HK App / HSBC Online Banking, Phone banking and Local / overseas ATM: Master limit up to HKD5,000,000[@transfer-and-payment-payeelimit-eipo] Channel sub-limit up to HKD500,000[@transfer-and-payment-payeelimit-svp]
Sports and Leisure	HSBC HK App / HSBC Online Banking, Phone banking and Local / overseas ATM: Master limit up to HKD5,000,000[@transfer-and-payment-payeelimit-eipo] Channel sub-limit up to HKD500,000[@transfer-and-payment-payeelimit-svp],[@transfer-and-payment-payeelimit-sportsandleisure]
Other merchants	HSBC HK App / HSBC Online Banking, Phone banking and Local / overseas ATM: Master limit up to HKD5,000,000[@transfer-and-payment-payeelimit-eipo] Channel sub-limit up to HKD250,000[@transfer-and-payment-payeelimit-othermerchants]

Daily payment and transfer limits[@transfer-and-payment-payeelimit-limitcurrency] in detail
Payment types	eIPO
Payment limits	Master limit up to HKD5,000,000[@transfer-and-payment-payeelimit-eipo] HSBC HK App / HSBC Online Banking Channel sub-limit up to HKD5,000,000[@transfer-and-payment-payeelimit-eipo] Phone banking: N/A Local / overseas ATM: N/A

Payment types	Government / Utilities
Payment limits	HSBC HK App / HSBC Online Banking, Phone banking and Local / overseas ATM: Master limit up to HKD5,000,000[@transfer-and-payment-payeelimit-eipo] Channel sub-limit up to HKD999,999[@transfer-and-payment-payeelimit-govtutilities]

Payment types	Securities Brokers
Payment limits	HSBC HK App / HSBC Online Banking, Phone banking and Local / overseas ATM: Master limit up to HKD5,000,000[@transfer-and-payment-payeelimit-eipo] Channel sub-limit up to HKD500,000[@transfer-and-payment-payeelimit-svp]

Payment types	Sports and Leisure
Payment limits	HSBC HK App / HSBC Online Banking, Phone banking and Local / overseas ATM: Master limit up to HKD5,000,000[@transfer-and-payment-payeelimit-eipo] Channel sub-limit up to HKD500,000[@transfer-and-payment-payeelimit-svp],[@transfer-and-payment-payeelimit-sportsandleisure]

Payment types	Other merchants
Payment limits	HSBC HK App / HSBC Online Banking, Phone banking and Local / overseas ATM: Master limit up to HKD5,000,000[@transfer-and-payment-payeelimit-eipo] Channel sub-limit up to HKD250,000[@transfer-and-payment-payeelimit-othermerchants]

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:

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.

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.

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

Daily payment and transfer limits

Keep your money safe

How payment and transfer limits protect you

Security

Flexibility

Account protection

Take me straight to

Global payment / transfer limits

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

Example 2 - Global payments / transfers to non-registered payee

Example 3 - Global payments / transfers to registered and non-registered payees

Example 4 - Global Transfers to self-named / third-party global HSBC account

Example 5 - FPS x PromptPay QR payment

Local payment / transfer limits

Bill payment limits

How to change your daily payment and transfer limit

HSBC HK App

HSBC Online Banking

Contact us

Important information