HSBC Business Direct

A simple yet complete banking solution that gives you hassle-free control of your banking transactions.

HSBC Business Direct is suitable for businesses that

  • Have just started

  • Need flexible 24/7 access to account services

  • Do not have frequent branch counter requirements

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

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.

May the new year be filled with prosperity for SMEs

From 18 January to 28 February 2022, we will be offering you a New Year Gift. May the Year of the Tiger bless you with success and wealth!

Open Business Integrated Accounts online and save 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 the perks of going digital with PayMe for Business#:

HK$300 PayMe for Business credit upon successful registration from now until 31 March 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

Real-time remittances

Same day remittances to Greater China

Free use of HSBC Smart Solution

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

Direct-channel support

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

Free HSBC VisionGo Business Membership

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

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 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

24/7, multi-channel access

  1. Business Internet Banking
    • 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 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
    • 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
    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
    • 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. 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.
  5. For more details, please click here.

  6. Business Phonebanking
    24-hour automated phonebanking services for account enquiries and transactions.
  7. 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

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!"

Please visit HSBC Business Direct - Notes / Terms and Conditions page for more details.

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