Eligibility check - Step 1 of 3

Before you apply

Thank you for considering HSBC Expat for your international banking needs.

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Your referral to HSBC Expat

Thank you for considering HSBC Expat for your international banking needs.

You can conveniently apply for a sole account using the HSBC Expat Mobile Banking app, allowing you to enter your details at your own pace and save your progress as needed. If you require a joint account to share with another person, we offer that option as well.

You’ll be asked for if you have a referral code.

Please select "From an HSBC staff member" and enter the code so your application reaches our specialist referral team.

To help us process your application efficiently, please have the following items ready:
  • A valid, in-date passport
  • A mobile device for ID verification and a selfie check
  • Proof of your current residential address (e.g., a utility bill issued within the last four months)
  • Your tax identification number (TIN), if you have one
Once you have submitted your application, our specialist referral team will reach out to you via email or by phone if we need any further information.

Apply for an HSBC Expat account

Please correct the following:

  • Please select an option below

Please correct the following:

  • Please tell us where you currently live
Which option best describes you?

If you've been given a referral code enter it below, otherwise please leave blank

Unfortunately, based on your country of residence, we are unable to offer you an account with HSBC Expat.

Check eligibility

If you don’t meet the selected eligibility requirements, your application may not be processed, or you may incur charges.

If you don’t place any funds into your account within 3 months it may be closed.

Read our Tariff of Charges Opens in a new window and Terms and Conditions Opens in a new window for more details.

We're sorry, currently to join HSBC Expat, you need to meet one of the below criteria.

If you don’t meet the criteria for an Expat account, and need a local account in another country then HSBC can still help, please visit HSBC International services Opens in a new window

To join HSBC Expat, you must be over 18 and meet one of the below three eligibility options:

HSBC Expat Bank Account

You are eligible for a HSBC Expat account (including some specific products and features such as Global Money) only if:

  • The laws and regulations that apply to you or in the place you live allow it;
  • You meet the eligibility criteria in the Tariff of Charges found on our website; and
  • You always maintain a minimum relationship balance (“Relationship Balance”) with us, except in the circumstances listed below

If your citizenship or residency changes you must tell us. The products and services we offer may change and we may not always be able to offer all products and services to you.

Relationship Balance
You must always maintain a minimum Relationship Balance with us, except:

  • For the first 3 full calendar months after your HSBC Expat account is opened
  • If you hold an active HSBC Premier relationship with any part of the HSBC Group that meets the eligibility requirements for HSBC Premier in the country where it is held (for avoidance of doubt, this option is not available to Advance customers)
  • If you are a Premier customer and have an annual sole salary that meets our salary criteria as detailed in the Tariff of Charges on our website. Note: For joint accounts, only one of you needs to meet the salary criteria

If you don’t maintain the Relationship Balance with us when required, we may charge you an underfunding fee (“Underfunding Fee”). Details of the minimum Relationship Balance and Underfunding Fee can be found in the Tariff of Charges on our website and these amounts may change

We charge an Underfunding Fee for each calendar month that an HSBC Expat Relationship doesn’t meet the eligibility criteria. You may have more than one relationship with us (e.g. a sole relationship and a joint one) and the eligibility criteria apply separately to each of them. Your sole balance(s) cannot count towards any joint balance(s). It is your responsibility to ensure that you maintain the minimum Relationship Balance for each relationship you have with us. If you are charged the Underfunding Fee you authorise us to deduct this from one or more of your HSBC accounts. We usually apply the Underfunding Fee in the calendar month following a month when you don’t hold the minimum Relationship Balance

We calculate your Relationship Balance as:

  • The total average daily credit balance of all your HSBC Expat accounts and HSBC Expat investments, calculated at the end of each calendar month
  • If you have one or more HSBC Expat accounts in your name, we look at all of your HSBC Expat accounts to make the calculation
  • If you have one or more joint HSBC Expat accounts, we include those joint accounts in our calculations

This means that if you have both joint accounts and sole accounts with us, you may be eligible for a different service for your sole accounts compared with your joint accounts. This may affect the fees and charges that you pay and the services and benefits that are available to you.

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Before you apply

Account type

Tell us what kind of account would you like:

You'll need the following to complete your application

Please ensure you have these items with you now
A valid identification document, such as an in date passport
Find out what information you need to provide Opens in an overlay
Proof of your current residential address, such as a utility bill issued within 4 months
Find out what you'll need to do this Opens in an overlay
Tax identification number (TIN) if you have one

A Tax Identification Number is an identifying number used for tax purposes. To find out if your country / region provides a TIN, please visit the OECD website Opens in a new window

A smart device to upload your documents
Find out which devices are suitable to confirm your identity Opens in an overlay
Have access to a printer, or be able to save your form as a PDF to print and sign later

Copy or email yourself the below link to return straight to our application form when you are ready to continue.

Copy link or Email link

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Congratulations

Based on the information provided, you are able to apply for an Expat Premier bank account

Click the apply now button to start your application