BusinessVantage

An all-round and reliable banking solution that helps your business run smoothly and improve your efficiency.

BusinessVantage is suitable for businesses that

  • That are growing or are established

  • Who use a combination of branch counters, internet, automated machines and phone for day-to-day operations

  • Who require a full range of banking services, such as trade and cash management services

Get started

Apply now to save 30% on online payment transaction fee and enjoy other exclusive offers.

 

Open a business account online in as fast as 3 working days.**


Apply online

 


**Subject to eligibility. Terms & conditions apply.


Note: All customers can submit an application online, and eligible customers can open an account remotely.

Fuelling up your business with more

From now until 20 May 2022, open a new Business Integrated Account online and save up to HK$438#^ on account opening fee

# Eligible customers only need to pay HK$1,162 for online account opening compared to the standard tariff of HK$1,600 for account opening via paper form or other channels.
^ Terms and Conditions apply


From now until 31 December 2022, enjoy our special welcome offers* upon successful account opening.

Free autoPay services to save cost on payroll services:
  • autoPay transaction fees waiver
  • Additional autoPay payment code setup charges waiver
30% rebate on domestic and overseas e-payment transaction fees to earn as you spend:
  • Eligible to outward Faster Payment System (FPS) payments, outward Real Time Gross Settlement (RTGS) payments and outward Telegraphic Transfer (TT) payments
Preferential foreign exchange rates to meet your global banking needs:
  • 25% off on online foreign exchange transactions for 90 days
Extra reward for HSBC Business Mastercard ® applicants:
  • An extra $100 RewardCash

Terms and Conditions apply

 

Enjoy 30% rebate on Inward Telegraphic Transfers**:

From now until 31 July 2022, enjoy an additional 30% rebate on your inward Telegraphic Transfer payments (maximum rebate up to HK$1,170) upon maintaining a designated balance in your newly opened Business Integrated Account!

                                                                               

** Terms and Conditions apply

 

Enjoy the perks of going digital with PayMe for Business#:

HK$300 PayMe for Business credit upon successful registration from now until 30 June 2022

                                                                               

#Terms and conditions for PayMe for Business registration offer

SVF Licence Number: SVFB002

Features and benefits

All-in-one banking solutions

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

Free use of both Business Internet Banking and HSBC HK Business Express mobile app

24/7 online account access, transaction, foreign exchange, investment and many more

Auto-sweeping service

Auto-sweeping up to HKD20,000 to cover overdrafts of your current account

Free use of HSBC Smart Solution

Connect multiple business applications to automate your operation tasks such as business analytics, book-keeping, HR management, etc.

Multi-channel support

Extensive access to Transaction centres, branches, Business Internet Banking, phonebanking and automated machines

Free HSBC VisionGo Business Membership

Gain exposure, connect with the SME community to share business insights for more business opportunities

Real-time remittances

Same-day remittances across Greater China

WeChat banking and notification service

Receive notifications on business account balance, incoming fund transactions, commercial card information, and designated transactions and account maintenance service

More features and benefits

Integrated account service

With one single account number, BusinessVantage combines a range of deposit and investment1 accounts for your easy management:

  • Hong Kong Dollar Savings
  • Hong Kong Dollar Current
  • Foreign currency savings available in 11 currencies - including 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), Renminbi (RMB) and Thai baht (THB)
  • Time Deposits
  • Investments1

24/7, multi-channel access

With BusinessVantage's comprehensive range of convenient and interactive channels, you can access your accounts and manage your business easily.

  1. Business Internet Banking
    • Check account balances and transaction history
    • Download account statements into Excel file format
    • Make fund transfers, local payments and telegraphic transfers
    • Check the real-time status of recent payments in details
    • 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
    • Pre-order bank notes in 11 major currencies and pick up at a Commercial Service Centre
    • Place time deposits
    • Manage investment1 portfolios - trading of Hong Kong stocks and unit trusts, and subscriptions for IPOs and structured investment products

    For more details, please click here.

  2. Mobile Banking
  3. 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 Business Internet Banking login credentials.

    • Account balance enquiry - view account balance and account details
    • Payments on the go - pay to beneficiaries in Hong Kong and overseas
    • Bill payment - pay bills of registered merchants
    • Payment tracking - check the real-time status of recent payments in details
    • Authorisation - authorise fund transfer and bill payment instructions prepared by other users
    • FX solutions - tailored FX insights and instant quote for multiple currencies

    For more details, please click here. 

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

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

  5. Automated Teller Machines (ATMs) and Self-service Machines
  6. 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 1.1million ATMs.

    For more details, please click here.

  7. Phonebanking
    • 24-hour automated phonebanking services for account enquiries and a wide range of payment instructions

    For more details, please click here.

  8. Commercial Service Centres and Branches
    • Conduct account transactions efficiently through our Commercial Service Centres dedicated to business customers, and all HSBC branch counters in Hong Kong (except HSBC Premier counters)

    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 payment solutions.

Cash and credit management services

To support your business growth, BusinessVantage provides you with more flexible options to manage your cash flow effectively.

Secured Credit Facility up to HKD10,000,0003,4

  • Your available credit limit (a maximum of HK$10,000,000) is adjusted automatically according to the daily asset value and can be utilised for overdraft, documentary credit issuance, bank guarantee issuance and trade finance.

  • Acceptable types of secured assets include Hong Kong Dollar and foreign currency time deposits, bonds, certificates of deposit, locally quoted unit trusts and more.
  • There are no arrangement fees or monthly service fees for the use of this service.

Reminder: "To borrow or not to borrow? Borrow only if you can repay!"

The offer of extra Business Card RewardCash (applicable to annual Business Card spending of HKD100,000 or more) and free business travel insurance to BusinessVantage customers are no longer available.

Please visit BusinessVantage - Notes / Terms and Conditions page for more details.

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