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Spot transactions

Spot transaction

A spot transaction lets you exchange one currency for another at the current exchange rate, and the transfer takes place within two business days (or less for some currencies).

How it works

To make a foreign exchange transfer, you have to be an HSBC New Zealand customer.

You can use internet banking to transfer up to NZD100,000 (or the currency equivalent) within New Zealand or to a bank in a different country.

You can also use our Global View and Global Transfers services to transfer up to USD200,000 (or the currency equivalent) between your HSBC accounts, as long as each account is eligible and is in a participating country.

You'll need to call us if you want to transfer more than NZD100,000 (or the currency equivalent) to another bank or beneficiary.

What it's good for?

  • When you need to make a one-off transfer straight away
  • Buying things online in a different currency
  • Buying foreign currency for a holiday abroad

You should be aware of the potential risk of foreign exchange rates changing: when you convert your money back to the original currency, you may incur a loss as a result of movements in markets.

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Convert currencies with our foreign exchange calculator.

FX calculator