Frequently Asked Questions

Internet Banking allows you to make safe online banking transactions through Bank's secured Internet Banking site.

It is probably the easiest and most convenient way to bank with us and is available 24 hours a day, 7 days a week, 365 days a year and it provides you with an instant view of all your HSBC accounts, together with balances, statements, payment details and more.

It's secure and best of all you can use it as often as you like.

Additionally you can

• achieve greater control and flexibility in managing your money
• securely access your accounts at home or abroad

• View the balances of your accounts, credit cards and Investments
• Transfer funds between your accounts or to any other account worldwide
• Open Current Accounts and Savings Accounts in both Euro and foreign currency online
• Open a Fixed Deposit account and change maturity instructions online in both Euro and foreign currency
• Pay bills
• Create, change and delete electronically created regular payments
• Order a new cheque book
• Choose to receive your advice electronically
• Receive Alert Messages
• Send and receive Secure messages
• Update your Personal Information and correspondence address
• Request a new Phone Banking / ATM Card PIN / Credit Card PIN
• Download account transaction details from Internet Banking into other financial management software such as Microsoft Money® Quicken® and Microsoft Excel®

Find out more about the services, features and pricing.

Internet Banking is available in Greek and English. There is an option at the right corner of the page to change the language option at any time within Internet Banking.

Customer Service Helpline: 801 801 HSBC (801 801 4722) or 210 696 2000 if you are calling from a mobile phone or abroad. If you are an HSBC Premier Customer, please call the HSBC Premier Priority Line at 800 800 HSBC (800 800 4722) or at 210 696 2150. If you are an HSBC Advance customer, please call 801 801 4747 or 210 696 2170.

Monday - Friday 09:00 - 18:00

For even greater ease, you can register for the service automatically via HSBC's website, by using the 10-digit Personal Banking Number and the 6-digit Personal Identification Number of the Phone Banking service*, while you are given the option to select the navigation language you prefer (Greek or English).

The procedure is simple:

• Select "Register" at the top of the page
• Enter the Personal Banking Number and the Personal Identification Number of the Phone Banking service by HSBC
• Create a Username so that you don't need your two Personal Numbers every time you want to have access to the Internet Banking service.
• Select a Memorable Question and state a Memorable Secret Answer. The Secret Answer stated will be requested each time you want to enter the Internet Banking Service, without the appearance of the Memorable Question. The Memorable Answer is in fact your password to the service. For your facilitation, you can change this Question and Answer, any time you want.

Within a few days, the Additional Security Code Device (Token), will be sent to you and you will have to activate it according to the directions on the device activation form.

You can connect directly to the service until you receive your token. For your own safety in the transactions, all services will be available when you proceed to activate your token.

Select "Express Banking" at the top of the page and you have direct access to the service even without the additional security code device (Token).

Get informed about the technical specifications required for using the service here.

* For you to register in the Internet Banking Service, you must be a customer of the Phone Banking service.

Are you an existing HSBC customer with NO PBN or PIN?
If you are an existing HSBC customer but do not have a PBN or PIN, simply call us on 801 801 4722 Monday to Friday from 09:00 to 18:00. Your PBN and PIN will be mailed to you. Once you receive your PBN and PIN, you will then be ready to register for Internet Banking online.

You are not an existing HSBC customer?
If you are not an existing HSBC customer and would like access to Internet Banking, you can simply fill in the We 'll call you back online form.

During registration to Internet Banking service only English characters are allowed for input to all required fields (Username, Memorable Answer, Security Answers).

Yes, after registration you will be able to logon to Internet Banking services by using your "Username" and "Memorable Answer" you input during registration procedure. Please note for your own safety and security, that you will be able to perform transfers with a maximum amount of 300 Euro. Once you receive and activate your token device all Internet Banking services will be available for use.

During registration you will choose a Memorable question and a Memorable answer that will be asked each time for your access to Internet Banking services, without viewing the Memorable question.
Memorable answer substantially constitutes your password to logon to HSBC Internet Banking services.

Yes, there are two available options with which you may change your memorable answer:

• You can reset Online by select the option "Forgotten your memorable answer?" in security information screen and answer the two security questions that you had set up during registration. Once questions answered correctly, you will be prompted to reset your memorable answer.
• You can reset your memorable answer by logon to Internet Banking and select "Services" on the left navigation menu and click on "Change memorable question and answer" option.

If you have forgotten your Memorable and Security answers in order to reset, click on "Need assistance to reset your memorable answer?" in security information screen.

Provide details of the new Memorable question/answer and Security questions/answers.

To activate your new logon details, please call us Monday to Friday from 09:00 to 18:00 at 801 801 HSBC (801 801 4722) or (+30) 210 696 2000 if calling from a mobile or abroad.

If you have forgotten your username, please call us as mentioned above.

Please call our Customer Service Helpline: 801 801 HSBC (801 801 4722) or 210 696 2000 if you are calling from a mobile phone or abroad. If you are an HSBC Premier Customer, please call the HSBC Premier Priority Line at 800 800 HSBC (800 800 4722) or at 210 696 2150. If you are an HSBC Advance customer, please call 801 801 4747 or 210 696 2170.

Monday - Friday 09:00 - 18:00

To use the Internet Banking service you need to have:

Active account

An active bank account with HSBC Greece. You will require your Personal Banking Number (PBN) and PIN for Phone Banking to register for the Internet Banking service via our website. If you do not have these numbers at your disposal, please contact our customer service from Monday to Friday from 8am to 8pm at 801 801 HSBC (801 801 4722) or (+30) 210 696 2000 if you are calling from a mobile or abroad.

Internet connection

An Internet connection to any Internet Service Provider.

Computer system

PC Specifications

• MS Windows 2000 / XP Home / XP Professional software. Software updating with the latest versions is suggested
• Pentium (500 MHz) processor or posterior
• 1024 x 768 screen analysis or higher
• Minimum 128 MB RAM or more
• 52 MB of free space on your hard drive or more

Mac Specifications

• Mac OS X 10.4 or later
• 1024 x 768 screen analysis or higher
• Processor Intel x86 or PowerPC G3, G4, or G5
• Minimum 128 MB RAM or more
• 200 MB of free space on your hard drive or more

You need an Internet browser with 128-bit encryption. The www.hsbc.gr site is compatible with the browsers below:

• Internet Explorer 7* or above
• Mozilla Firefox 4 or above (for PC and MAC users)**

It may be possible to access our internet banking service using other browsers or versions but please be aware that this will potentially impact on internet banking usage and security levels and you are strongly advised not to do so.

(*) The latest version of this software can be downloaded from the Microsoft^® website at www.microsoft.com . Any installation difficulties should be referred to Microsoft^® in the first instance.

(**) The latest version of this software can be downloaded from the Mozilla website at www.mozilla.com . Any installation difficulties should be referred to Mozilla in the first instance.

Browser applications settings (for IE)

You must activate the JavaScript language and the Cookies. To activate the Cookies, please follow the steps below:

• Select "Tools" from the menu
• Select "Internet settings"
• Select the "Classified" tab
• Move the prompt to the position "Middle"
• Press OK

To activate the JavaScript language follow the steps below:

• Select "Tools" from the menu
• Select "Internet settings"
• Select the "Safety" tab
• Click on the Web Internet content zone and then press the button "Custom Level"
• Go to "Settings", move down to "Scripting" and press "Run" at the "Scripting of Java applets"
• Press OK

The above instructions might differ among software's. Please, go to the appropriate help section of your software.

Refer to the Bill Payments Table.

• Select "Pay Bills" option from left Navigation menu
• Select "Add Payee"
  
  
• Click the search button
  
  
• Click on the required payee
• Click "Help" to check the payment code you need to add to the "Account number" field
  
  
• Input the Account number and click "Add" and then confirm
  
  
• Select "Pay a Bill" option from left navigation menu
• Choose Payment you have already setup, from To Drop Down list
  
  
• Effect payment
  
  

* Please note that Steps 1-6 are followed when you make a payment for a specific payee for first time

From the "Pay Bills" select the option "Αdd Payee" and then select "ΔΕΗ". Update the account no with the electronic payment code from the DEH bill. Then go to "Pay Bills" section and select the payee from the list. You will need to type in the amount on the bill. Please note there is a possibility if the amount typed in is smaller than the amount on the bill or the bill is already overdue that DEH will charge you interest or even cut your electricity.

The companies/organisations with a fixed reference no are the ones in which the reference no is the same on each bill issued for this payee.
After you add the payee you can use the same payee for the future bills you want to pay without the need to update the payee beforehand.

For the companies/organisations which have a variable reference no on each bill issued, you will need to update the payee first by typing in the new reference no before you proceed to pay the bill.

Check the Bill Payments Table to find out which companies/organisations have a fixed or a variable reference number.

See how you can pay your bill to a company/organisation with a variable reference number.

• On "Pay a bill" screen select the payee and then click on "Update"
  
  
• Enter the new reference no and click on "Update"
  
  
• You can now pay your bill by clicking on "Pay a bill"
  
  

On "Add payee" / "Pay a bill" screens there is a help button available which opens a pop up window with a demo screenshot of the company / organisation you want to add / pay, with instructions on what you need to input in the relevant fields.

Instructions for Bill payments after 10pm will be processed on the next business day with exception credit cards which is after 7pm

If you schedule to process a transfer immediately, you may not be able to stop the transfer. Any other scheduled or recurring payments can be cancelled up to one full business day before the requested transfer date. Choose the "Transfers" option from left navigation menu and select "Future Transfers". Click on date to view details and press "Delete" option to cancel the instruction or "Change" to change instructions.

Read more on how to use Internet Banking from HSBC in order to make Outward money transfers, and extra information on this subject.

Step by step Guide to Outward Payments

An IBAN is simply an existing account number in a format/structure that makes it internationally recognisable. It is a standard set for bank account numbers that uniquely identifies a customer's bank account held at a bank anywhere in the world.

The IBAN is based on ECBS (European Committee for Banking Standards) and ISO (International Organisation for Standardisation) standards. Your IBAN is displayed on your paper bank statement on the upper right corner.

Why do I need an IBAN?

This information has to be provided by the beneficiary. It is essential in order to ensure that the payment is delivered to the correct beneficiary.

Payments in Euros to the EU should quote an IBAN. Payments that don't include the IBAN may be returned and/or have a penalty charge

Construction of IBAN

The local IBAN is made up of 27 alphanumeric characters.

• The first two alphabetic characters identify the country in which the account is held, in this case Greece (GR);
• The next two digits are the check digits, which validate the complete IBAN;
• The next four characters are. the first part of the issuing bank's SWIFT identifier code;
• The next five digits are the issuing bank's local sort code; and
• The remaining fourteen characters are the domestic account number, with preceding zeros wherever required.

Customers' IBAN can only be generated by their banks.

Examples of IBAN in various countries:
Austria AT611904300234573201
Germany DE16500333000532013000
Ireland IE29AIBK931152123456 78
UK GB29NWBK60161331926819

List of countries that use IBAN number

You can view your IBAN account number (International Bank Account Number) and BIC code in "Account Overview" screen.

Please be sure that below conditions are met when you input the IBAN number in the relevant field:

• There are no spaces between digits.
• There are no special characters (e.g. "-", "/") between digits.
• IBAN number can be up to 34 alphanumeric characters.
• Make sure that you have input a valid IBAN number.

Examples of correct IBAN number format in various countries:
Austria: AT611904300234573201
Germany: DE16500333000532013000
Ireland: IE29AIBK93115212345678
UK: GB29NWBK60161331926819

When making a transfer by using the below transfer types, all required fields need to be input in Latin characters and not Greek or special characters:

• Transfer to local beneficiary bank account in foreign currency.
• Transfer to overseas beneficiary.

In case you receive this error message, please contact Customer Service Helpline for support at 801 801 HSBC (801 801 4722) or 210 696 2000 if you are calling from a mobile phone or abroad, Monday - Friday 09:00 - 18:00.

If you select "Same as from account" option, the amount you have keyed in will be in the same currency as the selected account to be debited ("From account" field)
E.g. Your account to be debited is in Euro and your payment is in Great Britain Pounds You have keyed in an amount of 1.000. Selecting the currency to be the "Same as from account" means you want EUR 1.000 to be paid in the Beneficiary's Great Britain Pounds account. We will convert the EUR 1.000 to GBP 916 to make the payment in this currency (GBP rate of 1,09 used). Since the payment is effected in GBP a charge of EUR 10 (GBP 9,20) will be collected at our end and deducted from the GBP 916 when the beneficiary holds an account with a non-HSBC branch.

If you select "Same as to account" option, the amount keyed in will be in the same currency as the Beneficiary account.
E.g. using the same scenario as above, but selecting the currency to be the "Same as to account" means that you want GBP 1.000 to be transferred to the Beneficiary GBP account. We will convert GBP 1.000 to EUR 1.091 and deduct that amount from your EURO account and transfer GBP 1.000 to the Beneficiary. Since the payment is effected in GBP a charge of EUR 10 will be deducted additionally to the EUR 1.091 from your account when the beneficiary holds an account with a non-HSBC branch.

BEN: I pay NO charges. Beneficiary pays ALL charges
SHA: I pay HSBC Greece charges, beneficiary pays other bank charges
OUR: I pay ALL charges, beneficiary pays NO charges

Note: For SEPA payments it is mandatory to select SHA option.

You will bear HSBC Greece charges that will available for review during transaction, plus beneficiary and / or intermediary correspondent Bank charges that may occur at a later stage. Please note that in this case your account will be debited without any prior notification from HSBC Greece.
Also be informed that option (OUR) applies to transfers in countries and currencies outside the European Union/European Economic Area.

When you first register for Internet Banking the following limits apply.

Please note: Users can reduce limits online at any time by logon to Internet banking, clicking on the "Services" in left navigation menu and choosing "Change Internet Banking Limits".

To request a limit increase to above maximum limits, please call our Customer Service Helpline: 801 801 HSBC (801 801 4722) or 210 696 2000 if you are calling from a mobile phone or abroad. If you are an HSBC Premier Customer, please call the HSBC Premier Priority Line at 800 800 HSBC (800 800 4722) or at 210 696 2150. If you are an HSBC Advance customer, please call 801 801 4747 or 210 696 2170.

Monday - Friday 09:00 - 18:00

* The increase limit requests are subject to the laws /decisions.

For processing the same day, instructions submitted through Internet Banking need to be received by the below listed cut-off times. Instructions received after the relevant cut-off times will be processed the next working day. Instructions received on non-working days (weekends, Bank holidays, etc.) will be processed on the next working day. Any transaction involving cross currency, where one or both of the currencies involved has passed the Cut-Off time, will be treated as next date value.

Choose "Other Country" option from Beneficiary details Country / Territory drop down menu, and key manually all Beneficiary bank details in the available empty fields with the following order.

BANK NAME: Input Beneficiary Bank name e.g. HSBC BANK
BANK ADDRESS: Input Beneficiary bank Country, City and address
e.g. GREECE
        ATHENS
        MESSOGEION 109 - 111
NAME: Input Beneficiary Name and Surname

In case you select other country / city / bank from the drop down lists, you can type this information in the ”Details for beneficiary” field.

You can view the foreign exchange rate before the foreign exchange transaction by clicking on left navigation menu option "Rate Enquiry" and then "Currency Calculator".

When making a transaction involving cross currency, it is possible that the foreign exchange cut off time has passed for one or both of the currencies involved, i.e. the currency exchange markets have closed. Your instruction will be processed automatically by the system the next working day at the currency price at the execution time.

When making a transfer to Canada, we strongly recommend to provide Beneficiary's address details in Details for Beneficiary field. This information will be reported to the Canadian authorities. In case you forget to provide the payee address in the transfer, the receiving bank in Canada will reject and return the telegraphic transfer. This is a regulatory requirement in Canada and all banks need to comply.

The following information for your transfer will be received by the Beneficiary on their account statement:

• The name of your account which you selected to debit for the transaction
• The narrative which inputted in the "for your account" field

Yes, in a wide range of currencies. The current interest rates are provided by clicking the button "Interest rate inquiry". According to Bank of Greece Decision 281/09, Financial Institutions operating in Greece are required to decline to effect transactions or to establish new customer relationships, unless the transactor/customer is fully identified and verified.
If you have not already submitted the required supporting documentation, the service "Account Opening" will not be available to you.

When you register to Internet Banking, you may select the accounts you wish to view and access via Internet Banking. The selected accounts will appear in the customer's profile. If you subsequently open any new accounts with HSBC under the same customer profile, these will automatically be added to your Internet Banking profile. You can also add or remove accounts by clicking on the "Services" link in Internet Banking and choosing "Select Accounts" from the left navigation menu.

You can download your account transaction details to Quicken / Money / Excel financial software packages. Simply logon to Internet Banking and select "Accounts", and then "Download to Quicken/Money" option and follow the screen instructions.

The following software packages are supported:

• QFX (Quicken 2004 for Windows/Quicken 2005 for MAC)
• QIF (Common Interchange Format)
• Common Spreadsheets (Common Delimited Format)
• XLS (Excel for Windows)
• RTF (Text format)

Yes, you can give nicknames to your accounts for easier tracking and monitoring. Choose "Services" from the Internet Banking menu, and then select "Rename accounts". Nicknames do not affect your accounts, balances or how they are paid through transfers.

The account holders’ names are not available for view through Internet Banking. However, if you need to identify your accounts, you can rename your accounts description by selecting «Services» and then «Rename Accounts» from left navigation menu.

• The account can be added by clicking on the "Services" in the left navigation menu and choose "Select Accounts" from the left navigation menu
• If the account was opened by a branch on the same day, note that one business day is needed so the account can be added in the account overview screen

In case you are still not able to view your accounts please call our Customer Service Helpline: 801 801 HSBC (801 801 4722) or 210 696 2000 if you are calling from a mobile phone or abroad. If you are an HSBC Premier Customer, please call the HSBC Premier Priority Line at 800 800 HSBC (800 800 4722) or at 210 696 2150. If you are an HSBC Advance customer, please call 801 801 4747 or 210 696 2170.

Monday - Friday 09:00 - 18:00

In order the new accounts to appear on "Account Summary", you will first have to link your account with your Internet Banking profile. From left navigation menu select "Services" and then "Select Accounts" and add the new account.

In case the account is not available for selection from "Select accounts" option, please contact Customer Service Helpline for support at 801 801 HSBC (801 801 4722) or 210 696 2000 if you are calling from a mobile phone or abroad, Monday - Friday 09:00 - 18:00.

You can select the "printable version" button direct from account history screen. If entries prior to 12 months are required, a statement copy must be ordered by select "Statements/Advices" from left navigation menu and then "Previous Statement Request".

In order to be able to view or download your Credit Card statement in PDF format, you will first have to link your credit card number with your Internet Banking profile. From left navigation menu select "Services" and then "Select Accounts" and add your credit card.

In order to be able to view your Credit Card in the "Account Summary" and check your credit card transactions history, you will first have to link your credit card number with your Internet Banking profile. From left navigation menu select "Services" and then "Select Accounts" and add your credit card.

Credit card account balance and details are updated on a daily basis and contain previous day closing balances.

Security Token is a small hardware device that the owner has to authorize access to online transactions when using Internet banking services. Security token provides an extra level of protection through a method known as double authentication; the user has a personal username and memorable answer (Password) which authorizes him/her as the owner of the device. The device then, displays a number which uniquely identifies the user to Internet banking services allowing to log on. The identification number is changed frequently every time the user wants to log on or to make high risk transactions.

HSBC is very sensitive regarding security. Your Online Security Device is designed to help safeguard you against unauthorised access to your accounts, and to keep your information safe and secure.

Security Token provides additional protection for high risk transactions such as transferring funds or accessing sensitive information. By adding double authentications, we offer a strengthened level of protection for high risk transactions. Even if the security token falls into the wrong hands, it can't be used because the username and password (which only the right user knows) is also needed in order to log on to personal Internet Banking services and make online transactions.

• Ensure you keep the Security Device safe and handy
• Keep the device away from liquid substances or extremely hοt sources
• Ιf it is stolen or lost a charge should be applied for the replacement of the security device. There is no replacement charge necessary due to a defective device or malfunction of the security device

Please call our Customer Service Helpline: 801 801 HSBC (801 801 4722) or 210 696 2000 if you are calling from a mobile phone or abroad. If you are an HSBC Premier Customer, please call the HSBC Premier Priority Line at 800 800 HSBC (800 800 4722) or at 210 696 2150. If you are an HSBC Advance customer, please call 801 801 4747 or 210 696 2170.

Monday - Friday 09:00 - 18:00

You will be charged for a replacement token request according to the Bank’s pricing policy in the following cases:

• Lost or stolen token.
• Damaged token.

You may have to clear your browser's cache to help solve the problem.

For Internet Explorer browsers, go to "Tools" on the tool bar and select "Internet Options". In the General tab under the section on Temporary Internet Files, click "Delete files", "Delete Cookies" and OK. Close and open your browser and try to logon to Internet Banking again.

For Mozilla Firefox browsers, go to "Tools" on the tool bar and select "Clear Private Data" option. Click on "Cache" and "Cookies" boxes and click on "Clear Private Data now" button. Close and open your browser and try to logon to Internet Banking again.

Please call out Customer Service Helpline: 801 801 HSBC (801 801 4722) or 210 696 2000 if you are calling from a mobile phone or abroad. If you are an HSBC Premier Customer, please call the HSBC Premier Priority Line at 800 800 HSBC (800 800 4722) or at 210 696 2150. If you are an HSBC Advance customer, please call 801 801 4747 or 210 696 2170.

Monday - Friday 09:00 - 18:00

The lack of use of the Token device for a period over three months may lead to a temporary deactivation of your device and consequently to inability to connect to the service. In order to connect to the service again, you will need to contact us for the resynchronization of the Token device.

HSBC, with the help of modern technology, offers you the maximum security for your transactions wherever you may be.

• Use of the 10-digit Personal Banking Number and the 6-digit Personal Identification Number of the Phone Banking service, for your registration in the service via the website of HSBC
• The ability to create own personal Username for your access to your personal banking services webpage
• Use of additional security code device (Token) for ensuring maximum possible security of your personal data and the complete functionality of all banking transactions via the Internet Banking service
• The ability to select a Memorable question and answer that, in combination with the additional security code device (Token) offers more protection during your banking transactions
• The ability to select your own Security questions and answers that you will need in order to change your Memorable question and answer, in case you want to change it or you have forgotten it
• Automatic deactivation of the service in the event of three unsuccessful identification attempts
• The ability to reset Memorable answer in case you don't remember it, via the website or an HSBC agent
• Change your daily transaction limits (reduction only) via your personal webpage
• Selection of accounts linked to the Internet Banking service
• Secure 128-bit encryption (the highest available) for all information transmitted during an Internet Banking session
• An automatic time-out feature that will end your Internet Banking session after a period of not being used

• Move a mouse over the "security lock icon" at the button-right corner. A tool-tip of "SSL secured (128-bit)" should pop-up or
• Right-click any text on a page (not on a graphics object) and select "Properties". "Connection" with "SSL 3.0, RC4 with 128-bit encryption (High); RSA with 1024-bit exchange" is shown or
• Press "File" in the toolbar and select "Properties". "Connection" with "SSL 3.0, RC4 with 128-bit encryption (High); RSA with 1024-bit exchange" is shown

Phishing scams are used by other parties to fraudulently solicit Internet Banking details from customers. Third parties contact customers (usually by email, letter, or phone) purporting to be a financial organisation and requesting customers to provide their security details.

Remember: HSBC never sends information on renewal and updating of Usernames and Passwords via e-mail.

If you receive an e-mail message which you believe to be fraudulent:

• Do not respond to the e-mail
• Forward the e-mail to: internetbanking@service.hsbc.gr
• Delete the e-mail

Customer Service Helpline: 801 801 HSBC (801 801 4722) or 210 696 2000 if you are calling from a mobile phone or abroad. If you are an HSBC Premier Customer, please call the HSBC Premier Priority Line at 800 800 HSBC (800 800 4722) or at 210 696 2150. If you are an HSBC Advance customer, please call 801 801 4747 or 210 696 2170.

Monday - Friday 09:00 - 18:00

A "time-out" feature provides protection if you leave your computer unattended and have not logged out from an Internet Banking session. After a period of time of not being used, your Internet Banking session will automatically end or time-out.

Yes, by clicking the button "Contact Centre" and then "Send message" you can send secure emails to the Bank for General inquiry, Questions about using Internet Banking, Product enquiry and Feedback.

You may check the validity and owner of the encryption certificate.

For Internet Explorer browsers, double click the security lock icon at the bottom right of your Internet Banking session window (you may need to enable the status bar if it cannot be seen). In the General tab, the Certificate Information should state who it is issued to (https://www.hsbc.gr) and when it is valid for. The certificate should still be within the valid period.

For Mozilla Firefox browsers, double click the security lock icon at the bottom right of your Internet Banking session window. In the General tab, the address Information should state who it is issued to (https://www.hsbc.gr) and when it is valid for. The certificate should still be within the valid period.

Global View is a service available exclusively to HSBC Premier customers who are registered to HSBC Internet Banking. Global View offers you a quick way to access and view all of your accounts in one page, in any country, with just one logon.
With Global View you can link your HSBC personal accounts from different countries and in different currencies together. This means one single log in will give you access to view and monitor your accounts anywhere. See how with this Global View Demo.

To access Global View services you need to be an HSBC Premier customer, be registered for Internet Banking and have activated your token device.

To Access Global view service:

• Log on to Internet Banking
• Select Go to Global View at the top of the left navigation menu

No. Service is free of charge to all HSBC Premier customers.

You need to be registered to Internet banking in the country/territory that you want to add to Global View. If you are not registered for Internet Banking in the country or territory you are selecting, you need to do so before you proceed.

• Select the "Add a country/territory".
• From this screen, select a country/territory from the dropdown list i.e. the country/territory where you have an existing Internet Banking service in your name.
• Select the "Add this country/territory".
• The next page you see will be the first “logon” page of the country/territory that you selected from the drop list in step 2 above. On this and the following screen/s you will need to enter your Internet Banking logon details for that country/territory. At anytime during this process you can return to your Global View screen by selecting the "Cancel and go back to my accounts overview" option at the bottom of the screen. If you forget your logon details, or receive an error message during this part of the process, you will need to contact that country/territory directly (depending on the nature of the message).
• Once you have entered your Internet Banking logon details, the "Review our Terms and Conditions" screen will be displayed. Before you "add" this country/territory, you will need to read these Terms and Conditions and check the box to indicate that you have both read and agreed with them. You can also download these Terms and Conditions in PDF format.
• Select "Accept Terms and Conditions and add (name of country/territory) accounts to Global View".
• This process is now complete. By selecting "Go to Accounts Overview", you will be returned to the country/territory where you originally logged on, and the country/territory you added will be reflected in "Your Global View".

Note: Once you have successfully added a country/territory to your Global View, you will be able to view all your accounts together.

For any country/territory that you have added to this view, you will see a “Log on to XX Internet Banking” option displayed next to the country/territory name. By selecting this option, either:

• The selected country’s/territory’s Internet Banking “account summary” page will be displayed in a separate pop-up window. As you have previously provided your “logon details” for verification to add another Internet Banking service to your Global View, you are already authenticated and do not need to enter them again. You will now have two active Internet Banking sessions for 2 countries/territories, or
• The selected country/territory Internet Banking “additional logon details” page will be displayed in a separate pop-up window. Depending on the requirements for the linked country service, you may be required to provide additional logon information to access the full Internet Banking service of that country from the Global View. For example, if you have a token security device, your security code/one-time password for that country will be required for access to that country's Internet Banking service (this will not apply if you are using Global View from Greece Internet Banking). Once you have entered this information, you will have two active Internet Banking sessions for 2 countries/territories. It is possible you may time-out from one Internet Banking service session (this is a security feature) while spending time in another session, in which case you will be prompted to logon again to access the other service.

Note: If you receive an error message during this process, you will need to contact the country/territory you are trying to logon to.

If you no longer want to view a particular country/territory via Global View, you can easily remove it by the following process:

• Select the “Remove a country/territory from Global View” option in the left hand navigation menu.
• You will see a list of all the countries/territories you have linked to your Global View service. Select the country/territory you want to remove.
  Note: You can only select one country at a time.
• Select the "Remove selected country/territory from Global View" option.
• From the "confirmation" page, select the "Yes I want to remove XX (country/territory) from Global View".
• Select the "Go to Accounts Overview" option from acknowledgment screen to return to your Global View Screen.
• When you return to your Global View screen, this country/territory will no longer be displayed.

Yes. Selecting the "Update balances" option situated underneath the country/territory name, will allow you to view any updates to your balances for any of your accounts displayed within Global View. The effective date of updated balances per account no is displayed on the page.

This feature allows easier viewing of your accounts when you have a substantial number of accounts held with us. As soon as you select the "Global View" option, all of your accounts will be displayed. By selecting the "Hide" button to the left of the country/territory name all accounts for this country/territory will be "hidden". To view them again, simply select the "Show" button.

Select Go back to Greece Internet Banking at the top of the left navigation menu.

Global View service is available for the following 37 countries.
The 34 countries in red also have Global Transfers.

Global Transfers is an enhancement to Global View that allows you to transfer money between eligible accounts held in the different participating HSBC countries that you have linked to Global View. With Global Transfers you can:

• Make real-time transfers 24 hours per day, 7 days a week.
• Schedule future or recurring transfers between your accounts.

You can currently make transfers between your accounts to 34 countries with Global Transfers.

Note: You may not be able to view all your HSBC accounts through Global View or make a transfer with Global Transfers between them if the account holding country doesn’t offer one of the two services. We are constantly adding new counties that offer Global View and Global Transfers services.

Global Transfers service is available to the below list of countries:

To access these services you have to be an HSBC Premier or Advance customer, registered for Internet Banking in the countries where you hold accounts and have activated your Token device.

To link your HSBC accounts into Global View:

• Log on to Internet Banking.
• Select "Go to Global View" at the top of the left hand column.
• Follow the simple steps to link your overseas HSBC accounts.

You can transfer money to or from accounts that are linked together though Global View service and also have Global Transfers service available. Only accounts that belong to the same person can be linked together through Global View.

A small number of currencies can only be traded on-shore due to local regulatory restrictions, and although these currencies will still be available for you to transfer in, with the use of the current exchange rate, there may be a short delay in processing these transactions.

Global Transfers is an available option within Global View. Upon selecting the Global Transfers option:

• Use the available drop-down lists to select the country of the account you wish to debit and credit. Only countries that are part of Global Transfers will appear in the lists. You can not select the same country for debit and credit.
• Select the active accounts to debit and credit and specify the amount of the transfer.
• We will confirm the information back to you, including a rate if foreign exchange is involved.
• When you have confirmed the details, the transfer request is accepted.

Once we have accepted a transfer request, it can not be cancelled unless it is a future one-off or recurring transfer. If you wish to cancel an immediate transfer, you will need to input a second transfer, reverse to the initial, to send the money back again. Please refer to the online demo.

Global Transfers are free to HSBC Premier customers.

There is a fee for each transfer made by HSBC Advance customers, unless the Global Transfer is expressed either in Euro or Swedish Krona in connection with account(s) held within the countries members of the European Union, which is free of charge. The fee charged will be in the currency of the account the transfer will be debited from. For all other Global Transfers please review to the Global Transfer Fee Tariff section.

For transfers through Global Transfer service, the following limits apply:

The Global Transfer fee will not be deducted from your account automatically but on the local business day following the execution date. The fee will be in the same currency with that of the account from which the Global Transfer was initiated.

Immediately. Once you link the country successfully, you will be able to proceed with funds transfer to the selected country.

Note: During your first usage of Global Transfers service, if the identities of sender and receiver are inconsistent across different countries, HSBC will need to confirm the consistency of your two identities. During the confirmation period, which is within two working days, you will not be able to access this service.

You may not be able to view all your HSBC accounts through Global View or make Global Transfers between them if the account holding country doesn't currently offer the Global View and Global Transfers service for the specific currency.

If the request is raised on a working day, the amount will be transferred immediately. If the request was raised during a public holiday in the remitting or receiving country, the amount will be transferred on the next business day.

Note: A small number of currencies can only be traded on-shore due to local regulatory restrictions, and although these currencies will still be available for you to transfer in, with the use of the current exchange rate there may be a short delay in processing these transactions.

E-Statements service allows you to receive and download your account and credit card statements in electronic format through HSBC Internet Banking whenever and wherever you like. Moreover, you receive e-mail notifications at your designated e-mail address, by which you will be informed that your monthly account and credit card statements have been issued and are available. This service offers you greater flexibility, better control and will contribute to our joint endeavor to protect the environment.

• No need to wait for the paper statement to arrive by mail.
• Ability to view the e-Statements at your convenience, anytime and anywhere and save them on your computer.
• Contribution to the protection of the environment by reducing paper consumption.

The following e-Statements are available through Internet Banking:

Banking

• HSBC Premier composite statements.
• HSBC Advance composite statements.
• Composite statements.
• Loan Account statements.

Cards

• HSBC Premier MasterCard statements.
• HSBC Visa Advance card statements.
• HSBC Visa Classic card statements.
• HSBC Visa Gold card statemens.

With your online registration to Internet Banking, your e-Statements service is automatically activated. You can also apply online for the service via "e-Statement / e-Advice Request" option under "Statements / Advices" section.

Your registration will take effect immediately.

From left navigation menu select "Statements / Advices" and then "eStatement" so as to access your composite / account e-Statements. For Credit Card e-Statements select "Statements / Advices" and then "Credit Card e-Statement".

No. Once registration is complete, the service will apply to all further accounts opened with HSBC.

Yes, registration for the service will also apply for joint accounts and can be done by either party.

Note: Once registration is complete, no more paper statements will be sent to the joint party. If the joint party want to receive e-Statements, they must register for the service.

No. By registering for the service it will apply to all your personal and joint accounts.

Under normal circumstances, you will receive the e-Statements in 5 working days following the statement issue date. You are advised to download and save the copies in your computer for future reference.

An email will be sent to your designated email address when the latest Credit Card or Account e-Statements are ready. Please update your email address through Internet Banking to ensure you receive our friendly reminders. For your Composite e-Statements you will receive electronic secure messages in your inbox though Internet Banking.

Note: You are advised to frequently and periodically check your email account and/or your Internet Banking profile to read the e-Statements / e-Advices for necessary action where applicable.

In order to update your email address, select "Services" from the left navigation menu and then "Update Personal Information" option to change your e-mail address.

No. If you have selected e-Statement service for your accounts or credit cards, no paper statement will be sent out.

All e-Statements are in Portable Document Format (PDF). You will need to install Adobe Reader in your computer to view, print and save the e-Statements.

To save a copy of your e-Statement, you can click the "Save File" button to specify the location where you want the document to be saved on your computer. Since the e-Statements contain sensitive account and personal information, you are advised to keep the copy in a location secured from any third party access.

Some webmail providers may treat the email sent from HSBC as potential Spam mails. You are advised to add HSBC's email address on your address book to solve the problem.

The latest 14 statements are available online. Please note that your first e-Statement will be delivered to you on your account's next statement date after your registration to the service.

You must logon to HSBC Internet Banking to terminate the service through the left menu option “e-Statement / e-Advice Request”, for account statements or “Credit Card e-Statement Request”, for credit card statements, at “Statements / Advices” section. Select “Paper statements only” to deregister from the e-Statements service. Once the service is terminated, your statements will be sent to you by mail thereafter.