Account

HSBC Business Direct

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Apply online

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

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 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

Welcome offer

Remote Account Opening Offer

From now until 30 June 2023, get an HKD500 discount on the account opening fee for customers who have successfully opened a Business Integrated Account remotely.

Terms and Conditions for Remote Account Opening Offer

Enjoy exclusive welcome offers and transaction fee offers when you successfully open an account with us before 31 December 2023.

One-time offers

Enjoy $150 RewardCash when you successfully apply for and spend with an HSBC Business Mastercard®

Receive a 100% rebate on any additional autoPay payment codes setup

Transaction fee offers

Receive a 100% rebate on e-autoPay transaction fees for 2 months^{^}

Get a 30% rebate on domestic and overseas e-payment transaction fees for 2 months^{^} (Eligible to outward Faster Payment System (FPS) payments, outward Real Time Gross Settlement (RTGS) payments and outward telegraphic transfers (TT) payments)

Enjoy a 25% discount on online foreign exchange transactions during the 90 days promotional period

^{^}Two-month period commencing from the first day of the next month after the Account has been successfully opened

Terms and Conditions for New-To-Bank Promotion Offers

PayMe for Business offer

Get HKD300 bonus¹ by signing up PayMe for Business via Business Internet Banking by 30 June 2023 and collect HKD300 payment before 31 July 2023

¹ Terms and conditions apply.

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)
Real-time remittances

Same day remittances to Greater China
Free Payroll Service setup
- - No annual fee and registration fee for payroll service
- - Free for the first 4 autopay-in/autoPay-out codes

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
Direct-channel support

Convenient access to phonebanking, cheque and cash deposit machines, ATMs and our award winning Business Internet Banking and HSBCnet banking platform
WeChat banking and notification service

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

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 HSBC HK Business Express mobile app. Or visit App Store, Google Play, or Baidu App Store and search "HSBC HK Business Express" to download.

App Store or Google Play

Scan QR or click to download

Baidu App Store

Scan QR or click to download

APK file - for Android users only

(If unable to download from Google Play)

Scan QR or click 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.

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 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.

For more details, please click here.

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

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 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!"