If you have any questions related to banking with HSBC in New Zealand, please take a look at the frequently asked questions (FAQ) below. If you don’t find the answers you are looking for, please call us on
0800 028 088.
Click on any of the questions below to access the FAQs.
There are some practical steps you can take now:
What are the options for banking with HSBC?
Find out more.
What products and services do HSBC offer?
HSBC offers a wide range of products and services including our multi-currency account, home loans.
Please note that bank accounts and other products and services cannot be set up unless you have a physical New Zealand street address, and proof of this will be required. If you are not currently living in New Zealand, please visit your local HSBC branch to find out more.
Does HSBC offer internet banking?
Yes. Find out more here, including how to sign up.
What are HSBC's latest interest rates for savings products and home loans?
Find out more.
What are the fees and charges associated with HSBC products and services?
Find out more.
How do I apply for an account with HSBC?
You can apply in person in a branch or apply via post.
Can I apply for an account if I am not currently an HSBC customer?
Yes, you can. You just need to send us the completed application form, approved IDs and proof of address. Find out what kind of identification is acceptable.
How do I make the initial deposit when opening an account with HSBC?
The easiest way to make the initial deposit into your new HSBC account is via internet banking from another account held in your own name. You may also deposit funds through any HSBC branch (or Westpac branch if you already have a deposit slip for your new HSBC account) in New Zealand. Or simply send us a cheque. Please note that this must be a personal cheque from an account in your own name, not a company cheque or cheque from a trust account.
What is the interest rate on HSBC savings and transactional accounts?
The interest rates change from time to time, so please check our website, or contact our Premier Service Centre at
0800 028 088 to confirm the latest rates.
When is interest paid?
Interest is calculated daily on the closing credit balance in your account and paid on the last day of the month.
When are fees charged?
Fees and charges are payable at the time when HSBC processes the transaction. These will be deducted directly from your nominated account. Please refer to our section on Retail Banking and Wealth Management Terms and Conditions for more information.
When do I receive my statement?
Statements are sent out monthly, normally in the first week of the following month, unless otherwise agreed with us.
What are the fee-free banking options?
Generally, local transactions done through HSBC's range of electronic channels are fee-free. For example, electronic funds transfer at point of sale (EFTPOS) transactions within New Zealand, withdrawals at an HSBC or Westpac ATM in New Zealand, tranfers to other bank accounts in NZD within New Zealand done through phone banking or internet banking do not incur any transaction fees.
Fees apply to international payments, local withdrawals from ATMs other than HSBC or Westpac and overseas ATM transactions.
Please refer to our Retail Banking and Wealth Management fees and charges guide for more information on fees and charges.
What is HSBC's SWIFT code to be used for making international payments into HSBC New Zealand accounts?
HSBC New Zealand's SWIFT code is HSBCNZ2A.