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BusinessVantage

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Apply online or download HSBC HK Business Express mobile app to apply remotely.

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

BusinessVantage is suitable for businesses

With growing or established businesses
Who use a combination of branch counters, internet, phone and automated machines for their daily banking
Who require a full range of banking services, such as trade and cash management services

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 rebate
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 transfers (TT) payments^

^The offer of 30% rebate on outward telegraphic transfers (TT) transaction fees will be available only for account successfully opened on or before 14 August 2022. This offer will not be available from 15 August 2022 onward.

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

Great offers for new PayMe for Business customers

From now until 30 November 2022, new PayMe for Business customers can enjoy the following exclusive offers:

Open an HSBC Business Integrated Account and complete PayMe for Business registration for the first time can earn a full rebate of the account opening fee¹
Sign up to PayMe for Business for FREE and get an HK$300 bonus²
Enjoy 0% transaction fees³ for all online and offline payments for 6 months from the start of 2022 (Phase II) Consumption Voucher Scheme

Eligible customers need to collect at least HK$600 in total transactions via PayMe for Business within 60 days of registering. Terms and conditions apply.
Eligible customers need to collect at least HK$300 in total transactions via PayMe for Business within 30 days of registering. Terms and conditions apply.
During the offer period, 0% transaction fees will only be applied to PayMe for Business app or physical PayCode payments for merchants who registered via the PayMe for Business app or Business Internet Banking. For transactions using other channels the standard fee will remain the same. Terms and conditions apply.

SVF Licence Number: SVFB002

Get started

Open a business account in as fast as 3 working days^{^}. Apply online or complete the application right in our app and receive your account number instantly.

Simply scan the QR code below to download our app or visit App Store, Google Play or Baidu App Store and search "HSBC HK Business Express" to download.

^{^}Subject to eligibility and upon providing all required documents or information. Terms and conditions apply.

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

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 HK$20,000 to cover overdrafts of your current account

Multi-channel support

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

Real-time remittances

Same-day remittances across Greater China

WeChat banking and notification

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

More features and benefits


Product at a glance
Savings	Payments	Business Card
Current	Commercial Insurance	Loans and Finance
Time Deposits	Investments	Trade and Supply Chain

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

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.

3. 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.

4. Automated Teller Machines (ATMs) and Self-service Machines

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.

5. Phonebanking

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

For more details, please click here.

6. 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 HK$10,000,000^3,4

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!"

Account opening support

Learn more

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.

BusinessVantage

BusinessVantage is suitable for businesses

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Features and benefits

More features and benefits

Product at a glance

Account opening support

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