Terms and Conditions Documents
For existing customers, please click on the product or service tabs below that apply to you. Within each tab are Notices of Change outlining how the relevant Terms and Conditions and documents have been changed. In addition, the current and new Terms and Conditions and documents have been provided for you.
Please note: The Personal Banking Booklet applies to all HSBC products and services and should be viewed by all customers irrespective of what products or services you hold. Furthermore, if you acquired multiple products and/or services, please make sure you review the Notice of Change documents that apply to the products and services relevant to you and for the appropriate time that you acquired them.
- Personal Banking Booklet
- Home Loans
- Credit Cards
- Personal Loans
- Transaction & Savings Accounts
- Digital Wallets
Post 3 Nov 2023 | Pre 3 Nov 2023 |
---|---|
If you opened a product or service on or after 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
If you opened a product or service prior to 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
Post 3 Nov 2023 |
If you opened a product or service on or after 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
---|---|
Pre 3 Nov 2023 |
If you opened a product or service prior to 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
Effective 11 Apr 2024 | For post 3 Nov 2023 customers | For pre 3 Nov 2023 customers |
---|---|---|
Personal Banking Booklet (PDF) | Personal Banking Booklet (PDF) | Personal Banking Booklet (PDF) |
Effective 11 Apr 2024 | Personal Banking Booklet (PDF) |
---|---|
For post 3 Nov 2023 customers | Personal Banking Booklet (PDF) |
For pre 3 Nov 2023 customers | Personal Banking Booklet (PDF) |
Post 3 Nov 2023 | Pre 3 Nov 2023 |
---|---|
If you opened a product or service on or after 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
If you opened a product or service prior to 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
Post 3 Nov 2023 |
If you opened a product or service on or after 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
---|---|
Pre 3 Nov 2023 |
If you opened a product or service prior to 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
Effective 11 Apr 2024 | For post 3 Nov 2023 customers | For pre 3 Nov 2023 customers |
---|---|---|
Home Loan Terms (PDF) Fixed Rate Lock Terms (PDF) |
Home Loan Terms (PDF) Fixed Rate Lock Terms (PDF) |
Home Loan Terms (PDF) Fixed Rate Lock Terms (PDF) |
Effective 11 Apr 2024 |
Home Loan Terms (PDF) Fixed Rate Lock Terms (PDF) |
---|---|
For post 3 Nov 2023 customers |
Home Loan Terms (PDF) Fixed Rate Lock Terms (PDF) |
For pre 3 Nov 2023 customers |
Home Loan Terms (PDF) Fixed Rate Lock Terms (PDF) |
Post 3 Nov 2023 | Pre 3 Nov 2023 |
---|---|
If you opened a product or service on or after 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
If you opened a product or service prior to 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change - Credit Card Terms (PDF) Notice of Change - Rewards Programs (PDF) |
Post 3 Nov 2023 |
If you opened a product or service on or after 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
---|---|
Pre 3 Nov 2023 |
If you opened a product or service prior to 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change - Credit Card Terms (PDF) Notice of Change - Rewards Programs (PDF) |
Post 3 Nov 2023 | Pre 3 Nov 2023 |
---|---|
If you opened a product or service on or after 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
If you opened a product or service prior to 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
Post 3 Nov 2023 |
If you opened a product or service on or after 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
---|---|
Pre 3 Nov 2023 |
If you opened a product or service prior to 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
Effective 11 Apr 2024 | For post 3 Nov 2023 customers | For pre 3 Nov 2023 customers |
---|---|---|
Personal Loan Terms (PDF) | Personal Loan Terms (PDF) | Personal Loan Terms (PDF) |
Effective 11 Apr 2024 | Personal Loan Terms (PDF) |
---|---|
For post 3 Nov 2023 customers | Personal Loan Terms (PDF) |
For pre 3 Nov 2023 customers | Personal Loan Terms (PDF) |
Post 3 Nov 2023 | Pre 3 Nov 2023 |
---|---|
If you opened a product or service on or after 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
If you opened a product or service prior to 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
Post 3 Nov 2023 |
If you opened a product or service on or after 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
---|---|
Pre 3 Nov 2023 |
If you opened a product or service prior to 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
Effective 11 Apr 2024 | For post 3 Nov 2023 customers | For pre 3 Nov 2023 customers |
---|---|---|
Transaction & Savings Accounts Terms (PDF) | Transaction & Savings Accounts Terms (PDF) | Transaction & Savings Accounts Terms (PDF) |
Effective 11 Apr 2024 | Transaction & Savings Accounts Terms (PDF) |
---|---|
For post 3 Nov 2023 customers | Transaction & Savings Accounts Terms (PDF) |
For pre 3 Nov 2023 customers | Transaction & Savings Accounts Terms (PDF) |
Pre 3 Nov 2023 |
---|
If you opened a product or service prior to 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
Pre 3 Nov 2023 |
If you opened a product or service prior to 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
---|
Effective 11 Apr 2024 | For pre 3 Nov 2023 customers |
---|---|
Apple Pay Terms (PDF) Google Pay Terms (PDF) |
Apple Pay Terms (PDF) Google Pay Terms (PDF) |
Effective 11 Apr 2024 |
Apple Pay Terms (PDF) Google Pay Terms (PDF) |
---|---|
For pre 3 Nov 2023 customers |
Apple Pay Terms (PDF) Google Pay Terms (PDF) |
Personal Banking Booklet
Post 3 Nov 2023 | Pre 3 Nov 2023 |
---|---|
If you opened a product or service on or after 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
If you opened a product or service prior to 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
Post 3 Nov 2023 |
If you opened a product or service on or after 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
---|---|
Pre 3 Nov 2023 |
If you opened a product or service prior to 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
Effective 11 Apr 2024 | For post 3 Nov 2023 customers | For pre 3 Nov 2023 customers |
---|---|---|
Personal Banking Booklet (PDF) | Personal Banking Booklet (PDF) | Personal Banking Booklet (PDF) |
Effective 11 Apr 2024 | Personal Banking Booklet (PDF) |
---|---|
For post 3 Nov 2023 customers | Personal Banking Booklet (PDF) |
For pre 3 Nov 2023 customers | Personal Banking Booklet (PDF) |
Home Loans
Post 3 Nov 2023 | Pre 3 Nov 2023 |
---|---|
If you opened a product or service on or after 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
If you opened a product or service prior to 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
Post 3 Nov 2023 |
If you opened a product or service on or after 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
---|---|
Pre 3 Nov 2023 |
If you opened a product or service prior to 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
Effective 11 Apr 2024 | For post 3 Nov 2023 customers | For pre 3 Nov 2023 customers |
---|---|---|
Home Loan Terms (PDF) Fixed Rate Lock Terms (PDF) |
Home Loan Terms (PDF) Fixed Rate Lock Terms (PDF) |
Home Loan Terms (PDF) Fixed Rate Lock Terms (PDF) |
Effective 11 Apr 2024 |
Home Loan Terms (PDF) Fixed Rate Lock Terms (PDF) |
---|---|
For post 3 Nov 2023 customers |
Home Loan Terms (PDF) Fixed Rate Lock Terms (PDF) |
For pre 3 Nov 2023 customers |
Home Loan Terms (PDF) Fixed Rate Lock Terms (PDF) |
Credit Cards
Post 3 Nov 2023 | Pre 3 Nov 2023 |
---|---|
If you opened a product or service on or after 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
If you opened a product or service prior to 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change - Credit Card Terms (PDF) Notice of Change - Rewards Programs (PDF) |
Post 3 Nov 2023 |
If you opened a product or service on or after 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
---|---|
Pre 3 Nov 2023 |
If you opened a product or service prior to 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change - Credit Card Terms (PDF) Notice of Change - Rewards Programs (PDF) |
Personal Loans
Post 3 Nov 2023 | Pre 3 Nov 2023 |
---|---|
If you opened a product or service on or after 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
If you opened a product or service prior to 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
Post 3 Nov 2023 |
If you opened a product or service on or after 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
---|---|
Pre 3 Nov 2023 |
If you opened a product or service prior to 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
Effective 11 Apr 2024 | For post 3 Nov 2023 customers | For pre 3 Nov 2023 customers |
---|---|---|
Personal Loan Terms (PDF) | Personal Loan Terms (PDF) | Personal Loan Terms (PDF) |
Effective 11 Apr 2024 | Personal Loan Terms (PDF) |
---|---|
For post 3 Nov 2023 customers | Personal Loan Terms (PDF) |
For pre 3 Nov 2023 customers | Personal Loan Terms (PDF) |
Transaction & Savings Accounts
Post 3 Nov 2023 | Pre 3 Nov 2023 |
---|---|
If you opened a product or service on or after 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
If you opened a product or service prior to 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
Post 3 Nov 2023 |
If you opened a product or service on or after 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
---|---|
Pre 3 Nov 2023 |
If you opened a product or service prior to 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
Effective 11 Apr 2024 | For post 3 Nov 2023 customers | For pre 3 Nov 2023 customers |
---|---|---|
Transaction & Savings Accounts Terms (PDF) | Transaction & Savings Accounts Terms (PDF) | Transaction & Savings Accounts Terms (PDF) |
Effective 11 Apr 2024 | Transaction & Savings Accounts Terms (PDF) |
---|---|
For post 3 Nov 2023 customers | Transaction & Savings Accounts Terms (PDF) |
For pre 3 Nov 2023 customers | Transaction & Savings Accounts Terms (PDF) |
Digital Wallets
Pre 3 Nov 2023 |
---|
If you opened a product or service prior to 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
Pre 3 Nov 2023 |
If you opened a product or service prior to 3 November 2023, please refer to the below Notice of Change which summarises the changes effective from 11 April 2024. Notice of Change (PDF) |
---|
Effective 11 Apr 2024 | For pre 3 Nov 2023 customers |
---|---|
Apple Pay Terms (PDF) Google Pay Terms (PDF) |
Apple Pay Terms (PDF) Google Pay Terms (PDF) |
Effective 11 Apr 2024 |
Apple Pay Terms (PDF) Google Pay Terms (PDF) |
---|---|
For pre 3 Nov 2023 customers |
Apple Pay Terms (PDF) Google Pay Terms (PDF) |
Frequently Asked Questions
What is changing?
Effective from 11 April, HSBC will discontinue the Australia Post services. This includes Bank@Post and Post BillPay.
Why are you making this change?
We’ve recently undertaken a review of our products and services and have decided to discontinue the Bank@Post and Post BillPay services to our customers which is currently available via Australia Post services, effective 11 April 2024.
What is changing?
Effective from 11 April, HSBC will discontinue the Australia Post services. This includes Bank@Post and Post BillPay.
I currently use Bank@Post . What are my options?
If you need to make payments from your HSBC account, you can make a transfer via HSBC Mobile Banking or Online Banking.
If you need to transfer money between your HSBC accounts, you can also use HSBC Phone Banking.
If you need to withdraw cash, you can do so at any ATM. If you need to deposit cash, you can do this via a branch or HSBC Australia ATMs.
All banking services can be performed at your nearest HSBC branch. Visit hsbc.com.au/branch-finder/ to locate your nearest branch.
I currently use Post BillPay to pay my Credit Card or Personal loan bill. What are my options?
You can make a payment to your HSBC Credit Card or Personal Loan via the following methods:
- Set up a direct debit. (visit hsbc.com.au/help/forms to download and complete the relevant Direct Debit Request form).
- Make a BPAY® payment (biller code and CRN/Ref No. can be found on your statement).
- Make a transfer from your HSBC account via HSBC Online and Mobile Banking
- Please note for credit card payments you can also use HSBC Self Service Phone banking to make a payment from your other HSBC account.
Alternatively, all services can be performed at your nearest HSBC branch. Visit hsbc.com.au/branch-finder/ to locate your nearest branch.
How do I get a Direct Debit set up if I can’t download or print the form?
If you’re unable to access the direct debit form, please Contact Us and we will arrange the direct debit form to be mailed out to you.
If I complete a Direct Debit form how long before it will start working? Will I have to make a manual payment?
Your direct debit will be set up for the next statement period after we receive it. If you have not paid for your current statement, please ensure that you make a manual payment. You will receive a confirmation letter once the direct debit has been set up.
How do I return the completed Direct Debit request form?
You can return the form via mail to Reply Paid 4263, SYDNEY NSW 2001, or fax to (02) 8987 5923
Why is HSBC removing personal cheque books?
In response to how customers bank with us, and in line with the industry and Government wide move to modernise payment infrastructure, we are discontinuing the issuance of cheque books for new accounts and existing accounts that don’t already have a cheque book issued from 11 April 2024.
For existing accounts opened prior to 11 April 2024 that already hold a cheque book, they will be able to continue to order cheque books.
I currently write cheques from my HSBC account. Will I be impacted by this change?
There is no change if you already have a cheque book linked to your account. You can continue to write cheques and reorder a cheque book.
Is there a change to how HSBC issues bank cheques?
There is no change for HSBC to issue a bank cheque. Customers can request for a payment in a form of a bank cheque. Note a bank cheque fee may apply. Please refer to the Personal Banking Booklet for more information.
Will HSBC still accept cheques?
Yes. There is no change to HSBC in accepting cheques.
How do I get in contact for more information?
Should you wish to discuss this matter further, please visit our Contact Us page.