Our 3 Business Integrated Account Propositions

A Business Integrated Account is an account which combines savings, current and time deposits accounts in HK Dollar, Renminbi and a range of foreign currencies* under one single account number, enabling you to manage your day-to-day business banking with ease. Investment account is also combined under our Business Integrated Account for you to manage your business investment trading needs.

HSBC Sprint Account, HSBC Business Direct and BusinessVantage are the three different types of Business Integrated Account to suit your business needs.

* Foreign currencies include: US Dollar (USD), Pound Sterling (GBP), Canadian Dollar (CAD), Australian Dollar (AUD), Japanese Yen (JPY), New Zealand Dollar (NZD), Euro (EUR), Singapore Dollar (SGD), Swiss Franc (CHF), Renminbi (RMB) and Thai Baht (THB)

HSBC Sprint Account

Whether your business has started, or is getting ready to take off, our solution has you covered.

HSBC Business Direct

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

BusinessVantage

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

Compare Accounts

Gives you an overview of the differences between HSBC Sprint Account, HSBC Business Direct and BusinessVantage, so that you can choose an account that suits you.


	HSBC Sprint Account	HSBC Business Direct	BusinessVantage
Business model	Recommended for digital-savvy local start-ups Application criteria applies, please visit link for details	Recommended for growing SMEs	Recommended for well-established SMEs
Digital banking platform	Manage your local bank account(s) with free access to Business Internet Banking and HSBC Business Express mobile app.	Manage your local bank account(s) with free access to Business Internet Banking and HSBC Business Express mobile app. And facilitate your cross-border account management in all-in-one banking platform with your HSBCnet^ subscription.	Manage your local bank account(s) with free access to Business Internet Banking and HSBC Business Express mobile app. And facilitate your cross-border account management in all-in-one banking platform with your HSBCnet^ subscription.
Trade services^	Not available	Trade services^ are available to enhance your business competitiveness.	Trade services^ are available to enhance your business competitiveness.
Service fee waiver	No monthly service fee^† for the first 12 months.	No counter transaction fee^‡ for the first 3 eligible transactions in a month.	No counter transaction fee^‡ for the first 50 eligible transactions in a month.
Tips to enjoy more fee waivers	Monthly service fee waiver^† From the 13th month after account opening, waived if previous 3 months’ average total relationship balance* is HK$50,000 or above. Statement fee waiver Avoid paper statement fee by registering for eStatement service	Monthly service fee waiver^† Waived if previous 3 months' average total relationship balance* is HK$100,000 or above. Statement fee waiver Avoid paper statement fee by registering for eStatement service	Monthly service fee waiver^† Waived if previous 3 months' average total relationship balance* is HK$500,000 or above. Statement fee waiver Avoid paper statement fee by registering for eStatement service
Latest digital features	Fuel your business growth with innovative services and digital banking solutions. Learn more about our latest digital features here.	Fuel your business growth with innovative services and digital banking solutions. Learn more about our latest digital features here.	Fuel your business growth with innovative services and digital banking solutions. Learn more about our latest digital features here.
Product guide	Click Here (PDF, 2.33MB)	Click Here (PDF, 1.38MB)	Click Here (PDF, 1.33MB)

Notes

For details of the service fee, please refer to the Commercial Tariffs.

*Total Relationship Balance (TRB) is calculated based on the balances in the accounts maintained with HSBC in Hong Kong by a company with the same business registration number. Your TRB includes the following:

• Hong Kong dollar/Renminbi/foreign currency deposits;

• Market value of your securities, unit trusts, bonds, certificates of deposits, Equity Linked Investments and Structured Notes;

• Deposit amount of your Structured Investment Deposits and Deposit Plus;

• Your utilised credits within approved limits (excluding residential mortgage loans);

• Statement Balance shown on the statements of your Business Cards/Corporate Cards/Purchasing Cards;

• Cash value of your insurance policies.

For new accounts opened less than three months, average TRB of the first month/first and second months (where applicable) will be used to calculate the Bank's Monthly Service Fee.

^† Monthly service fee will be charged on the fourth working day of each month. The monthly service fee applies to each Business Integrated Account held by the customer.

^‡ 1. The following transactions conducted over branch counters with the assistance of an HSBC branch staff are considered as counter transactions: cash deposit (including bulk cash deposit); cash withdrawal; paper cheque deposit (including bulk paper cheque deposit and house paper cheque deposit); paper cheque withdrawal; mixed deposit (i.e. conducting cash and paper cheque deposit in 1 transaction); and withdrawal from transfer between two HSBC accounts in Hong Kong.

2. These counter transactions could be initiated by your company or a third party.

3. Total number of counter transactions is calculated based on the total number of counter transactions conducted in respect of all accounts maintained with HSBC in Hong Kong by your company with the same business registration number.

4. Counter transaction fee will be charged on the fourth working day of each month.

^ Separate enrolment for HSBCnet and Trade Services is required for interested customers. Trade services only applicable to eligible customers as determined the Bank at its sole discretion.

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