BusinessVantage

A complete banking solution comprising deposit services, payment solutions, credit facilities and investment services that will help your business run smoothly.

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

Features and benefits

Use a single account number to access your all-in-one account (current + savings + time deposits + investments + loans)

Auto-sweeping up to HKD20,000 to cover overdrafts of your current account

Multi-channel support - Transaction centres, branches, Business Internet Banking, Phonebanking and automated machines

Same-day remittances across Greater China

More features and benefits

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
  3. 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. 

  4. 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.

  5. Automated Teller Machines (ATMs) and Self-service Machines
  6. 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.

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

    For more details, please click here.

  8. 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 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!"

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.

*Once you click the buttons, you will be subject to the Terms of Use and the terms and conditions governing your account.

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