HSBC Business Direct

Simple and complete banking solution to manage your business any time, anywhere.

HSBC Business Direct is suitable for businesses that

  • Have just started up their businesses

  • Need flexible 24/7 access to account services

  • Appreciate convenience and prefer banking via internet, machines or phone

  • Do not have frequent branch counter requirements

Get started

  • Form Download Centre
  • How to apply
  • How to apply

    Applying for a BusinessVantage account is simple and easy.

    • Apply online or call our dedicated hotline to make an appointment with a nearby HSBC Business Centre for account opening
    • Bring along complete account opening documents and initial deposit to our HSBC Business Centre
    • Upon receipt of all the required information and documentation from your company and completion of application form, your application will be immediately processed and reviewed

    • Successful application is upon the Bank's satisfactory review, and will be notified via SMS to your designated phone number
    • An account opening packet (including the Business Internet Banking security device, Business Debit Card, Phonebanking PIN and all other PIN number) will be sent to you via courier after successful account setup
    • In case of query, please feel free to contact us at our Commercial Banking general hotline 2748-8288

Features and benefits

Use a single account number to access your all-in-one account (current + savings + time deposits + investments + loans)

FREE Mobile Banking

FREE BizAlerts - SMS or email notifications of account overdrawn, returned cheques and more

Same day remittances to Greater China2

Direct-channel support - Convenient access to phonebanking, cheque and cash deposit machines, ATMs and our award winning Business Internet Banking

More features and benefits

Integrated account services

With one single account number, HSBC Business Direct combines a range of deposit and investment1 accounts so that you can effectively manage your company's finances:

  • Hong Kong Dollar Savings
  • Hong Kong Dollar Current
  • Foreign currency savings available in 11 currencies – including Renminbi (RMB), US dollar (USD), Euro (EUR), pound sterling (GBP), Australian dollar (AUD), New Zealand dollar (NZD), Japanese yen (JPY), Canadian dollar (CAD), Singapore dollar (SGD), Swiss franc (CHF) and Thai baht (THB)
  • Time Deposits
  • Investments1

Direct channel services

  1. Business Internet Banking
    Manage your accounts and finances 24 hours a day, seven days a week. Key features include:
    • Check account balances and transaction history
    • Download account statements into a Microsoft Excel file format
    • Make fund transfers, local payments and telegraphic transfers
    • Check the status of issued cheques
    • Buy and sell foreign currencies at pre-set exchange rates, amounts and dates; or enquire real-time exchange rates
    • Perform trade transactions
    • Place time deposits
    • Manage investment1 portfolios

    For more details, please click here.

  2. Business Debit Card
    • Access to cash and more through Automated Teller Machines (ATMs) via the HSBC, Hang Seng Bank as well as UnionPay networks for your day-to-day banking needs
    • Covers more than 1.1 million ATMs worldwide and over 120,000 UnionPay ATMs in mainland China
    • Enjoy purchase convenience by debiting your account automatically through the EPS networks or UnionPay
    • Enjoy discount offers at selective UnionPay accepting merchants

    Additionally, Company ATM Card and Company Deposit Card with specialised features are available.

  3. Mobile banking service*
    An additional new channel for you to access basic account information, just when you need it most. For simplicity and peace of mind, you can access this service using your existing Business Internet Banking login credentials.
    • Account balance enquiry - view account balance and account details
    • Account details - account limits, ledger balances, total holdings and available balances in any selected account
    • Transaction history - view details of transactions since last statement cut-off date
    • Third-party payments - payment to registered beneficiaries in Hong Kong
    • Stock trading - buy and sell local stocks
    • Bill payment - pay bills of registered merchants
    • Authorisation - authorise fund transfer and bill payment instructions prepared by other users
    • Rates enquiry - enquire latest exchange rates and time deposit interest rates

    * Mobile Banking supports iPhone, iPad, iPod Touch, HTC Desire (with Android OS 2.1 or 2.2) and Samsung Galaxy S i9000 (with Android OS 2.1 or 2.2)

    For more details, please click here.

  4. FREE SMS/Email alerts
    Our BizAlert service enables you to receive a range of email and/or SMS alerts.

  5. FREE BizAlerts:
    • Account overdrawn - alerts you when your account has overdrawn its available balance
    • Inward payments - enables you to monitor all inward payments credited to your account
    • HKD cheque return - notifies you when a HKD cheque deposited into your account has been returned
    • Investment order confirmation - notifies you when a stock purchase or sale orders has been executed
    • ForEx switching - notifies you when your ForEx switching instruction has been executed
    • Special offers - alerts you about our special product or service offers

    Click here for more information on BizAlerts.

  6. Express Banking
    Easy access to your account through our extensive network of over 1,300 self-service banking machines in Hong Kong and a global network of over 1.1 million ATMs.
  7. For more details, please click here.

  8. Business Phonebanking
    24-hour automated phonebanking services for account enquiries and transactions.
  9. For more details, please click here.

Payment services

With Business Internet Banking, you will be able to enjoy:

  • Extended cut-off time
  • Online value added services, including Real-Time Exchange Rate, SMS/email payment notifications
  • Competitive rates for remittance charges
  • Same day crediting of funds to HSBC in mainland China and Taiwan, and the Bank of Communications in mainland China2
  • Fee waived for Chinese character input

Click here to find out more about our complete integrated payment solutions

Credit facilities and cash management services

Auto-sweeping for up to HKD20,0004
Automatically transfers funds to cover the overdrawn amount on your Hong Kong Dollar (HKD) Current Account

Overdraft protection for up to HKD10,0005
To help you avoid unauthorised overdrafts

Secured Credit Facility up to HKD10,000,0003,6
As a standby credit line with no financial statements required. This can be utilised for Overdraft, Documentary Credit (DC) Issuance, Bank Guarantee Issuance and Trade Finance. Acceptable types of secured assets include Hong Kong Dollar (HKD) and Foreign Currency Time Deposits, Bonds, Certificates of Deposits (CDs), locally quoted Unit Trusts and shares

For more details on the Notes / Terms and Conditions, please click here.

*Once you click the buttons, you will be subject to the Terms of Use and the terms and conditions governing your account. For details regarding the Terms of Use, please click here.

# Important Risk Warning:

  • Unit Trusts are investment products and some of them are structured products involving derivatives. The investment decision is yours but you should not invest in the Unit Trusts unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.
  • Unit Trusts are NOT equivalent to time deposits.
  • You should carefully consider whether any investment products or services mentioned herein are appropriate for you in view of your investment experience, objectives, financial resources and circumstances.

Additional risks are disclosed in the "Risk Disclosure" link here. Please refer to it for details.

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