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HSBC Payment Services Monthly Package

One monthly fee, smarter savings, stronger growth

HSBC Payment Services Monthly Package brings your main payment charges together in one simple monthly plan. Instead of allocating a different budget for payments each month, you pay a single fixed monthly fee for a set quota of eligible local and international payments, keeping things convenient at the front end and predictable in the back office. With five plans to choose from, you can pick the plan that fits your business, whether you trade locally, globally or both.

Key benefits

Predictable costs

Our payment packages bring you convenience, predictable monthly costs and savings. With one fixed fee covering a set quota of payments, you can budget and manage your cash flow more easily and spend more time growing your business, not tracking fees.

Savings that stack up

To give you the best value from your plan, our smart quota allocations automatically prioritise the more costly transaction types, not the ones that were made first.

You could save up to 56% compared with standard Commercial Tariffs when you fully use your package.

Flexibility to scale up or down

From homegrown start-ups and steady business builders to high-volume global movers, there’s a plan to support every stage of growth. Choose from five packages, and switch anytime as your needs evolve.

Special rewards

Customers can enjoy an additional 0.5% of spending rewards with their new HSBC Business Debit Mastercard® or HSBC Business Mastercard® for the first 90 days of the card being issued*.

*Applicable to customers with a Silver, Gold, Platinum or Titanium package who have applied for a new HSBC Business Mastercard or HSBC Business Debit Mastercard only. For eligibility and offer details, please refer to the Terms & Conditions in the HSBC Payment Services Monthly Package application form.

Overview of HSBC Payment Services Monthly Package


Package	Silver	Gold	Platinum	Titanium	Local
Monthly fee	HKD640	HKD1,150	HKD2,600	HKD5,500	HKD100
Total transaction quota	17	36	100	220	30
Transaction* quotas
Outward International Fund Transfer	5	8	18	40	N/A
Inward International Fund Transfer	5	8	18	30	N/A
Outward Domestic Fund Transfer	√	√	8	10	N/A
Inward Domestic Fund Transfer	√	√	√	√	N/A
Outward FPS Payment	√	√	√	√	√
autoPay-Out Transaction	√	√	√	√	√
Maximum monthly savings
	HKD695	HKD1,470	HKD2,100	HKD4,100	HKD50

Remarks:

“√” means subject to “Total transaction quota”

* You can see the deﬁnition of each payment transaction type below:

Outward International/ Domestic Fund Transfer refers to outward telegraphic transfer and outward payments through Real Time Gross Settlement via HSBCnet or Business Internet Banking.
Inward International/ Domestic Fund Transfer refers to telegraphic transfer with proceeds credited to an account with HSBC and inward payment to the credit of an HSBC account through Real Time Gross Settlement.
Outward FPS Payment and autoPay-Out Transaction refer to HKD/RMB outward payment through Faster Payment System or autoPay-Out (Payment) Services via HSBCnet or Business Internet Banking.

The illustration of maximum savings is calculated based on the assumption that the transaction quota of the package is fully utilised and allocated to the higher cost transaction types, and compared against the standard Commercial Tariffs as of April 2026.

See how businesses like yours are using HSBC Payment Services Monthly Package

A neighbourhood lifestyle and household goods store in Hong Kong

Payment needs

Over 30 local payments every month to suppliers and staff using the Faster Payments Service (FPS) and autoPay-out.

Chosen plan

Local, with the option to step up to Silver when overseas sourcing is needed.

How the plan helps

Makes local payments simple and convenient, with 30 FPS/autoPay-Out Transactions included for just HKD100 per month, while providing an easy way to add cross-border transactions later.
Enables the company to spend more time growing the shop and less time checking charges.

A Hong Kong-based online retailer selling to customers in Southeast Asia

Payment needs

Over 30 regular domestic collections and payouts every month, with international transfer volumes varying from 5 to 10 and increasing over time.

Chosen plan

Starts on Silver, then upgrades to Gold as international transfer volumes grow.

How the plan helps

Supports rising order volumes, while keeping monthly banking costs easy to predict and manage.
Frees up time to scale marketing and logistics, and to expand in new markets with greater confidence.

A technology manufacturer operating in Hong Kong and Shenzhen with a strong regional distribution network

Payment needs

Over 90 supplier payments, overseas partner transfers, and regional operating payments each month.

Chosen plan

Platinum

How the plan helps

Brings outward and inward international and domestic transfers under a single monthly fee for more predictable cross-border payment costs.
Supports the business to pursue international expansion with greater confidence while reducing transaction charges.

A global trading firm operating in Hong Kong, Europe and Southeast Asia

Payment needs

Over 200 supplier, freight and distributor payments every month across multiple markets.

Chosen plan

Titanium

How the plan helps

Includes up to 220 key transactions under one monthly fee, supporting complex, high-volume payment flows.
Helps the team to focus on securing new trade opportunities across key corridors by keeping overall costs in check and reducing standard tariffs.

Frequently asked questions

1. Who can apply for the HSBC Payment Services Monthly Package?

The HSBC Payment Services Monthly Package is currently available to new and selected existing HSBC Commercial Banking customers.
New customers can apply during account opening at any HSBC Business Centre.
Eligible existing customers can apply via Business Internet Banking. If you’re unable to locate the application option , please contact your Relationship Manager or fill in the “Request for the HSBC Payment Services Monthly Package” form.

2. How do I apply using Business Internet Banking?

Follow these steps to apply for the HSBC Payment Services Monthly Package:
1. Log on to Business Internet Banking
2. Go to ‘Payments & Transfers’ on the left menu.
3. Select ‘HSBC Payment Services Monthly Package’
4. Choose your preferred plan and press ‘Apply’.
5. Select the account to be debited for the monthly fee.
6. Fill in and confirm the approver information shown on screen.
7. Complete the declaration and submit the application.
Your package will become effective within two calendar days.

3. What transactions are included in the package’s total transaction quota?

A package may cover one or more of the following payment transaction services:
- Outward International Fund Transfer
- Inward International Fund Transfer
- Outward Domestic Fund Transfer
- Inward Domestic Fund Transfer
- Outward FPS Payment
- autoPay-Out Transaction
For further details, please refer to the ‘Overview of HSBC Payment Services Monthly Package’ table above.
Please note the package fee covers only the basic transaction fees of eligible payment transactions. Any additional fees charged on an eligible payment transaction, including, without limitation, the “OUR” charge option where the remitter bears all charges, and additional fees for handling instructions, are not covered by a package and will be charged to the customer separately.

4. How are my transactions counted towards my quota, is it on a first-transact-first-count basis?

Your transactions are not counted on a first-transact, first-count basis. To help you maximise the value of your monthly package, for each type of eligible payment transaction, the total transaction quota (and, where relevant, any product-specific quotas) will be consumed in the order set out below in each month. In other words, when an eligible payment transaction is made does not affect how the quota is used.


1	Outward International	Outward Telegraphic Transfers via HSBCnet or BIB (excluding item 2 below)
2	Outward International	Outward Telegraphic Transfers via HSBCnet or BIB to HSBC Group offices in mainland China (HSBC Group offices exclude Hang Seng Bank Limited and its subsidiaries)
3	Inward International	Inward Telegraphic Transfers
4	Outward Domestic	Outward Real Time Gross Settlement (RTGS) payments via HSBCnet or BIB
5	Inward Domestic	Inward Real Time Gross Settlement (RTGS) payments
6	Outward FPS	Outward Faster Payment System (FPS) payments via HSBCnet or BIB
7	autoPay-Out	autoPay-Out transactions via HSBCnet or BIB where autoPay beneficiary’s account is not with HSBC
8	autoPay-Out	autoPay-Out transactions via HSBCnet or BIB where autoPay beneficiary’s account is with HSBC

As an illustration, a company that completes 28 transactions a month will unlock 41% savings with the Silver Package compared to the standard fees.


	Transaction types	Count	Cost (HKD)	Total Cost (HKD)
Before (On standard fees)	International Fund Transfers	Out x 5 In x 6	1,015	1,254
	Domestic Fund Transfers	Out x 3 In x 2	195
	FPS	Out x 8	40
	autoPay	Out x 4	4
After (With Silver Package)	Silver Package			739
	International Fund Transfers	Out x 5 In x 5	640
	Domestic Fund Transfers	Out x 3 In x 2
	FPS	Out x 2
	Excess transactions
	International Fund Transfers	In x 1	65
	FPS	Out x 6	30
	autoPay	Out x 4	4

5. What happens if I do not use all my quota or if I exceed it?

6. How and when will I be billed and charged?

A monthly billing summary, which states the package fee and transaction details, will be made available electronically via Business Internet Banking for customers with access. A physical copy of the monthly billing summary will be delivered to the correspondence address of the charging account for customers without access to Business Internet Banking.
The package fee and any basic fees for excess transactions will be debited from your chosen account on the 20^th day of the following month (or the next working day).

7. I have multiple business accounts. Do I need to apply for a monthly package for each account?

8. What is the 90-day cooling off period?

9. Can I switch to another plan?

Yes, you may switch packages anytime through Business Internet Banking.
1. Log on to Business Internet Banking.
2. Go to ‘Payments & Transfers’ on the left menu.
3. Click ‘HSBC Payment Services Monthly Package’.
4. Click ‘Manage Package’ and select your preferred plan.
5. You will receive a message confirming that the switching request has been received.

If your request is submitted at least three calendar days before month-end, your current package will remain effective until the end of that month, and your new package will start on the first day of the next month. Otherwise, the current package will remain effective until the end of next month; and the new package will take effect on the first day of the month after next.
If you switch during the 90-day cooling-off period, the original expiry date of the cooling-off period will still apply and will not be extended or renewed for the new package.

10. How can I terminate my package?

You can terminate your package anytime through Business Internet Banking.
1. Log on to Business Internet Banking.
2. Go to ‘Payments & Transfers’ on the left menu.
3. Click ‘HSBC Payment Services Monthly Package’.
4. Click ‘Manage Package’ and select ‘Terminate’.
5. You will receive a message confirming that the termination request has been received.
Your package will remain effective until the last day of the same month if you submit your request at least three calendar days before the end of that month. Otherwise, it will remain effective until the end of next month.
If you terminate during the 90-day cooling off period, we will refund the difference between the package fee and what you would have paid under our standard Commercial Tariffs for each month charged, if the package fee was higher.
You will not be able to apply for a package again until six months after termination.

11. Who is eligible for the additional 0.5% cash rebate or RewardCash offer for Business Cards?

The offer is available to customers who have applied for a Silver, Gold, Platinum or Titanium package. To qualify, you must:
- Apply for a new HSBC Business Debit Mastercard or HSBC Business Mastercard on or after submitting your package application form; and
- Continue to hold an effective Silver, Gold, Platinum or Titanium Package during the offer fulfilment period.
Offer details:
Use your new card within the first 90 days after card issuance (“Spending Period”) to earn:
- An extra 0.5% cash rebate on your HSBC Business Debit Mastercard transactions; or
- An extra 0.5% RewardCash on your HSBC Business Mastercard transactions.
- You can earn up to HKD800 cash rebate or $800 RewardCash under this offer.
- This reward is in addition to any other existing card acquisition offers, so you can enjoy double benefits.

Add fuel to your business growth today

To see how our package could help you to plan and grow your business with confidence, contact your HSBC Relationship Manager or fill in the “Request for the HSBC Payment Services Monthly Package” form.

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