Overview
We know how important it is for you to have access to your money anytime, anywhere. You can make a local or international fund transfer, or a bill payment, all online, in just a few easy steps. You can also set up and manage future dated or recurring payments online.
Simple, seamless, straightforward - just the way it should be.
Making a payment in New Zealand
What information do I need for making a payment in New Zealand?
- Full beneficiary name
- Beneficiary account number
If sending to another bank within New Zealand, you will need to provide the full New Zealand standard account format.
Example: 12-1234-1234567-12 (some banks may use three digits for the suffix, ie 61 becomes 061) - Amount in New Zealand dollars (NZD)
Make a online payment in New Zealand
This transfer method can only be made in the local currency. The funds will be transferred electronically. There is a cut-off time for transfers to be valued on the same day and transaction charges (PDF, 78.8KB) applied for making transfers.
- Log on to internet banking.
- In the top menu, select Pay or Transfer under Move Money.
- Select which account from the drop-down list you would like your funds to be transferred from.
- Select option New payment to a person if you are sending money to someone for the first time. If you are making a payment to your saved payees please select option Your accounts or saved payees (please go to step 7).
- Select Non-HSBC account as payee type.
- Type in the beneficiary's name and account number.
- Key in the local currency amount you want to transfer.
- Below message to appear on both beneficiary and your statements and transactional history (maximum 12 characters):
- Particulars (mandatory)
- Code (Optional)
- Reference (optional)
- Particulars (mandatory)
- Below message will appear only on your statements and transactional history (maximum 12 characters):
- Your reference (optional)
- Your reference (optional)
- Indicate if you are trying to set up a recurring payment (same instruction to be made with your specified frequency) Key in or pick out from the calendar icon when you want the first transfer to be made. Select how many total recurring transfers you want to make. Only key in the final transfer amount if this is to be different for the last transfer. The same transfer amount indicated in the earlier field will be transferred for each recurring instruction.
- If your payment is not a recurring payment, please key in or pick out from the calendar icon when you want the transfer to be made. This can be today or a future date (subject to cut-off time).
- Click on Transfer to proceed with your request.
- Carefully check all the payment details – including the beneficiary details – as you won’t be able to correct them once you have confirmed the payment.
- Generate a transaction code on your Secure Key and enter it when prompted. If you are paying an existing payee you are not required to enter a code from your Secure Key.
- Confirm your payment.
Cut-off times for making a payment in New Zealand
Function |
Monday to Friday |
Value/Effected |
---|---|---|
Open new NZ term deposit/ account |
11.00 pm |
Same day |
Pay multiple bills |
11.00 pm |
Same day |
Pay a bill |
11.00 pm |
Same day |
NZD transfers to local beneficiary |
11:00 pm |
Same day |
Manual NZD transfers to local beneficiary | 4:30 pm | Same day |
Manual same day cleared NZD payment |
4:00 pm | Same day |
Function |
Open new NZ term deposit/ account |
---|---|
Monday to Friday |
11.00 pm |
Value/Effected |
Same day |
Function |
Pay multiple bills |
Monday to Friday |
11.00 pm |
Value/Effected |
Same day |
Function |
Pay a bill |
Monday to Friday |
11.00 pm |
Value/Effected |
Same day |
Function |
NZD transfers to local beneficiary |
Monday to Friday |
11:00 pm |
Value/Effected |
Same day |
Function |
Manual NZD transfers to local beneficiary |
Monday to Friday |
4:30 pm |
Value/Effected |
Same day |
Function |
Manual same day cleared NZD payment |
Monday to Friday |
4:00 pm |
Value/Effected |
Same day |
Making a payment Overseas
What information do I need for making a payment overseas?
- Full beneficiary name
- Beneficiary account number or International Bank Account Number (IBAN)
An IBAN is the required account format for most countries/regions, excluding Canada, the USA, Australia and New Zealand. - Beneficiary address (required for Canadian and CAD payments only)
- Currency and amount of the payment
- SWIFT/BIC code for the beneficiary bank
Make an overseas payment online
The funds will be transferred electronically. There is a cut-off time for transfers to be valued on the same day and transaction charges (PDF, 49.5KB) applied for making transfers.
- Log on to internet banking.
- In the top menu, select Pay or Transfer under Move Money.
- Select which account from the drop-down list you would like your funds to be transferred from.
- Select option New payment to a person if you are sending money to someone for the first time. If you are making a payment to your saved payees please select option Your accounts or saved payees (please go to step 10).
- Select Overseas account as payee type.
- Type in the beneficiary's name.
- Select country/territory, city, then bank to send the funds to.
- If the city or beneficiary bank is not found in the relevant drop-down lists, select Other to enable the bank search engine, you may search the beneficiary bank by bank code, name or address.
- Type in the beneficiary’s account number/IBAN.
- Select the beneficiary's account currency from the drop-down list (this is necessary if you are transferring funds in the currency different to your from account).
- Key in the amount you want to transfer.
- Select from the drop-down list who is to pay for the fees.
- Key in any details to appear on the beneficiary's statement and on your account statement as a reference for this transfer.
- Indicate if you are trying to set up a recurring payment (same instruction to be made with your specified frequency) Key in or pick out from the calendar icon when you want the first transfer to be made. Select how many total recurring transfers you want to make. Only key in the final transfer amount if this is to be different for the last transfer. The same transfer amount indicated in the earlier field will be transferred for each recurring instruction.
- If your payment is not a recurring payment, please key in or pick out from the calendar icon when you want the transfer to be made. This can be today or a future date (subject to cut-off time).
- Click on Transfer to proceed with your request.
- Carefully check all the payment details – including the beneficiary details – as you won’t be able to correct them once you have confirmed the payment.
- Generate a transaction code on your Secure Key and enter it when prompted. If you are paying an existing payee you are not required to enter a code from your Secure Key.
- Confirm your payment.
Cut-off times for making a payment overseas
Cut-off times for Foreign Currency Exchange - over NZ$25,000 equivalent
In order for us to convert your funds on the same day, we must convert currencies before the following cut off times on any given business day.
Currency | Code | New Zealand Standard time | New Zealand daylight time |
---|---|---|---|
Australian dollar | AUD | 2:30 PM | 3:30 PM |
Canadian dollar | CAD | 4:00 PM | 5:00 PM |
Swiss franc | CHF | 4:00 PM | 5:00 PM |
Danish kroner | DKK | 4:00 PM | 5:00 PM |
Euro | EUR | 4:00 PM | 5:00 PM |
Great British pound | GBP | 4:00 PM | 5:00 PM |
Hong kong dollar | HKD | 4:00 PM | 5:00 PM |
Japanese yen | JPY | 12:00 PM | 1:00 PM |
Norwegian krona | NOK | 4:00 PM | 5:00 PM |
Swedish kroner | SEK | 3:00 PM | 4:00 PM |
Singapore dollar | SGD | 4:00 PM | 5:00 PM |
United States dollar | USD | 5:00 PM | 6:00 PM |
Currency | Australian dollar |
---|---|
Code | AUD |
New Zealand Standard time | 2:30 PM |
New Zealand daylight time | 3:30 PM |
Currency | Canadian dollar |
Code | CAD |
New Zealand Standard time | 4:00 PM |
New Zealand daylight time | 5:00 PM |
Currency | Swiss franc |
Code | CHF |
New Zealand Standard time | 4:00 PM |
New Zealand daylight time | 5:00 PM |
Currency | Danish kroner |
Code | DKK |
New Zealand Standard time | 4:00 PM |
New Zealand daylight time | 5:00 PM |
Currency | Euro |
Code | EUR |
New Zealand Standard time | 4:00 PM |
New Zealand daylight time | 5:00 PM |
Currency | Great British pound |
Code | GBP |
New Zealand Standard time | 4:00 PM |
New Zealand daylight time | 5:00 PM |
Currency | Hong kong dollar |
Code | HKD |
New Zealand Standard time | 4:00 PM |
New Zealand daylight time | 5:00 PM |
Currency | Japanese yen |
Code | JPY |
New Zealand Standard time | 12:00 PM |
New Zealand daylight time | 1:00 PM |
Currency | Norwegian krona |
Code | NOK |
New Zealand Standard time | 4:00 PM |
New Zealand daylight time | 5:00 PM |
Currency | Swedish kroner |
Code | SEK |
New Zealand Standard time | 3:00 PM |
New Zealand daylight time | 4:00 PM |
Currency | Singapore dollar |
Code | SGD |
New Zealand Standard time | 4:00 PM |
New Zealand daylight time | 5:00 PM |
Currency | United States dollar |
Code | USD |
New Zealand Standard time | 5:00 PM |
New Zealand daylight time | 6:00 PM |
Instructions submitted through internet banking need to be received by the below-listed cut-off times for processing on the same day. Instructions received after the relevant cut-off times for making a payment overseas will be processed on the next working day. Functions not listed will not be affected by cut-off times and processed immediately by the system at any time of the day.
Currency |
Code |
Cut Off Time |
---|---|---|
Australian Dollar |
AUD |
3.00 pm |
Euro |
EUR |
3.00 pm |
United States Dollar |
USD |
4.00 pm |
Fijian Dollar |
FJD |
1.00 pm |
Japanese Yen |
JPY |
1.00 pm |
Indian Rupee |
INR |
3.00 pm |
Thai Baht |
THB |
1.00 pm |
Singapore Dollar |
SGD |
2.00 pm |
Hong Kong Dollar |
HKD |
2.00 pm |
Danish Kroner |
DKK |
2.00 pm |
Norwegian Kroner |
NOK |
2.00 pm |
Swedish Kroner |
SEK |
2.00 pm |
South African Rand |
ZAR |
2.00 pm |
Canadian Dollar |
CAD |
2.00 pm |
Swiss Franc |
CHF |
2.00 pm |
Pound Sterling |
GBP |
3.00 pm |
Philippines Pesos |
PHP |
2.00 pm |
Chinese Yuan (aka Renminbi) |
CNY |
2.00 pm |
Saudi Arabia Riyal |
SAR |
2.00 pm |
United Arab Emirates Dirham |
AED | 3.00 pm |
Currency |
Australian Dollar |
---|---|
Code |
AUD |
Cut Off Time |
3.00 pm |
Currency |
Euro |
Code |
EUR |
Cut Off Time |
3.00 pm |
Currency |
United States Dollar |
Code |
USD |
Cut Off Time |
4.00 pm |
Currency |
Fijian Dollar |
Code |
FJD |
Cut Off Time |
1.00 pm |
Currency |
Japanese Yen |
Code |
JPY |
Cut Off Time |
1.00 pm |
Currency |
Indian Rupee |
Code |
INR |
Cut Off Time |
3.00 pm |
Currency |
Thai Baht |
Code |
THB |
Cut Off Time |
1.00 pm |
Currency |
Singapore Dollar |
Code |
SGD |
Cut Off Time |
2.00 pm |
Currency |
Hong Kong Dollar |
Code |
HKD |
Cut Off Time |
2.00 pm |
Currency |
Danish Kroner |
Code |
DKK |
Cut Off Time |
2.00 pm |
Currency |
Norwegian Kroner |
Code |
NOK |
Cut Off Time |
2.00 pm |
Currency |
Swedish Kroner |
Code |
SEK |
Cut Off Time |
2.00 pm |
Currency |
South African Rand |
Code |
ZAR |
Cut Off Time |
2.00 pm |
Currency |
Canadian Dollar |
Code |
CAD |
Cut Off Time |
2.00 pm |
Currency |
Swiss Franc |
Code |
CHF |
Cut Off Time |
2.00 pm |
Currency |
Pound Sterling |
Code |
GBP |
Cut Off Time |
3.00 pm |
Currency |
Philippines Pesos |
Code |
PHP |
Cut Off Time |
2.00 pm |
Currency |
Chinese Yuan (aka Renminbi) |
Code |
CNY |
Cut Off Time |
2.00 pm |
Currency |
Saudi Arabia Riyal |
Code |
SAR |
Cut Off Time |
2.00 pm |
Currency |
United Arab Emirates Dirham |
Code |
AED |
Cut Off Time |
3.00 pm |
Bill payments
You are able to make bill payments within internet banking. Please note if you are looking to set up a Direct Debit, please contact the merchant directly.
Make a bill payment online
- Log on to internet banking.
- In the top menu, select Pay or Transfer under Move Money.
- Select which account from the drop-down list you would like your funds to be transferred from.
- Select option New bill payment if you are sending money to a company for the first time, your payee will automatically be added to your payee list. If you are making a payment to your saved payees please select option Pay a company you’ve paid before.
- Search the company by company name or select from the drop-down list then click Continue. If you are paying a company you’ve paid before select the company you would like to pay from the list. You can pay up to 6 payees at one time (please go to step 7).
- Enter payment details as requested, for more information please refer to the merchant.
- Key in the amount you want to transfer in NZD and key in any details to appear on your statement and transaction history.
- Indicate if you are trying to set up a recurring payment (same instruction to be made with your specified frequency) Key in or pick out from the calendar icon when you want the first transfer to be made. Select how many total recurring transfers you want to make. Only key in the final transfer amount if this is to be different for the last transfer. The same transfer amount indicated in the earlier field will be transferred for each recurring instruction.
- If your payment is not a recurring payment, please key in or pick out from the calendar icon when you want the transfer to be made. This can be today or a future date (subject to cut-off time).
- Carefully check all the payment details – including the beneficiary details – as you won’t be able to correct them once you have confirmed the payment.
- Generate a transaction code on your Secure Key and enter it when prompted. If you are paying an existing payee you are not required to enter a code from your Secure Key.
- Confirm your payment.
Cut-off times for bill payment
Function |
Monday to Friday |
Value/Effected |
---|---|---|
Pay multiple bills |
11.00 pm |
Same day |
Pay a bill |
11.00 pm |
Same day |
Function |
Pay multiple bills |
---|---|
Monday to Friday |
11.00 pm |
Value/Effected |
Same day |
Function |
Pay a bill |
Monday to Friday |
11.00 pm |
Value/Effected |
Same day |
More ways to make a payment
Receiving a payment from someone
When you are expecting a payment from someone to your HSBC account, you will need to provide the sender the following information:
- Beneficiary name: Your full account name with HSBC New Zealand
- Beneficiary account number: Your full account number with HSBC New Zealand. Note if the payment is going into your NZD account, you will need to provide the full New Zealand standard account format, e.g. 30-2934-1234567-088. If the payment is going into your foreign currency account, this will be a 12 digit number, e.g. 034-123456-331. You may find your full account number on your Internet Banking.
If an IBAN (International Bank Account Number) is requested please provide your full account number as above.
If a BSB or Sort Code is requested please provide the first 6 digits of your full NZD bank account number, e.g. 30-2934 - Beneficiary bank name: The Hongkong and Shanghai Banking Corporation Limited (or HSBC)
- Beneficiary bank address:
The Hongkong and Shanghai Banking Corporation Limited
Level 21, 188 Quay Street
Auckland 1010
New Zealand - SWIFT Code (a.k.a. BIC): HSBCNZ2A
Overseas cheques that we can accept
CURRENCY | HSBC CHEQUE | NON HSBC CHEQUE |
---|---|---|
AUD | YES | YES |
HKD | YES | YES |
GBP | YES | YES |
CAD | YES | NO |
USD | YES (including US Treasury cheques) | NO |
CURRENCY | AUD |
---|---|
HSBC CHEQUE | YES |
NON HSBC CHEQUE | YES |
CURRENCY | HKD |
HSBC CHEQUE | YES |
NON HSBC CHEQUE | YES |
CURRENCY | GBP |
HSBC CHEQUE | YES |
NON HSBC CHEQUE | YES |
CURRENCY | CAD |
HSBC CHEQUE | YES |
NON HSBC CHEQUE | NO |
CURRENCY | USD |
HSBC CHEQUE | YES (including US Treasury cheques) |
NON HSBC CHEQUE | NO |
We encourage our customers to use alternative ways of transferring foreign currency to avoid possible delays or complications. Please refer above for other ways to send and receive international payments.