HS_10754_Rev to Advance Welcome Pack

EVERY INDIVIDUAL
SUCCESS STORY
HAS ITS OWN
SUPPORTING CAST
Member of PIDM
HSBC ADVANCE
DESIGNED WITH
YOUR NEEDS
IN MIND
Welcome and thank you for choosing HSBC
Advance. We know that in life, even the most
personal ambitions are rarely achieved alone.
It’s your network of family, friends, colleagues
and contacts that inspires you to keep aiming
higher. So whatever your ambitions for the future,
they are more likely to be achieved with the help of
a team. At HSBC Bank, we’d never claim to play
a starring role in your successes, but we’re here
to help you in every way we can. Read on to see
how our priority service, preferential offers,
financial expertise and digital banking solutions
can help you achieve your goals for the future.
GETTING STARTED WITH
HSBC ADVANCE
How to activate, register and utilise your banking tools.
HSBC Advance Visa
Platinum Credit Card
HSBC Advance Visa
Debit Card
To enjoy the convenience of the HSBC Personal
Internet Banking service, you will need to
activate your Security Device with the
following steps:
Once you have received your HSBC Advance
Visa Platinum Credit Card, you can activate it
by calling our 24 hour hotline1 at 1300 88 1388
or +603 8321 5400 (if you are calling from an
overseas location).
1. Click on “Log on” for Personal Internet
Banking on www.hsbc.com.my
Activate your HSBC Advance Visa Debit Card
in 3 simple steps:
2. Key in your Username.
1. Insert your HSBC Advance Visa Debit Card
into an HSBC branch ATM in Malaysia.
3. Select “Log in with Security Device”.
2. Enter your bank issued PIN number and
follow the instructions on the screen to
change your PIN.
5. Press “Yes” to continue for Security Device
Activation Setup.
4. Key in primary and secondary passwords.
6. Input Security Device Serial Number and
Security Code.
3. Your HSBC Advance Visa Debit Card will be
activated and ready to use.
HSBC Personal Internet
Banking
7. Enter the last 3 digits of the mobile phone
number registered with the bank.
Start paying your bills, perform online
transactions and access your accounts with
HSBC Personal Internet Banking anytime,
anywhere by doing the following:
1. Click on the "Register" button on the top right
hand side of the www.hsbc.com.my
homepage.
2. Identify yourself with either your
Telebanking, Credit Card/Credit Card-i/
Debit Card Number.
3. Enter your Personal Identification Number (PIN).
4. Create your Username.
5. Set your desired primary and secondary
passwords.
6. Choose and answer two security questions.
7. Read and accept the Terms and Conditions.
If you agree, please select “Yes”.
8. Please select and set your preferences.
Review the details entered and if there are
no changes to be made, click on "Confirm
Changes".
9. To view your account summary, click on
"Complete Registration".
8. Input the Authorisation Code that is sent to
your mobile phone to complete the activation.
If you have not received your Security Device,
you may visit any nearest HSBC Bank branch to
obtain the Security Device.
HSBC’s wealth
dashboard
Be in control of your wealth portfolio by
consolidating all your holdings with HSBC in
one platform that you may use for reference
when you need to make decisions to enhance
your wealth.You can access and monitor your
investment conveniently by just logging in to
your HSBC Personal Internet Banking.
To understand how HSBC’s wealth dashboard
works, you can view the demo at
www.hsbc.com.my/wd
HSBC Mobile Banking
app
• Get access to selected Mobile Banking app
services by using Username with Primary
and Secondary Passwords, or get access to
the full Mobile Banking app service by using
Security Device. To get your Primary and
Secondary Passwords, please register at
www.hsbc.com.my.
HSBC Mobile Banking app lets you access and
manage your HSBC accounts quickly and securely
from your mobile device 24 hours a day.
Here’s a quick view on the HSBC Mobile
Banking app services:
• View your account balances and
transaction history
• Perform Interbank GIRO transactions
• If you are accessing the HSBC Mobile
Banking app service from a non-Apple or
Android mobile device, visit
www.hsbc.com.my/mobile.
• Open local currency or foreign currency time
deposit account
• For easy navigation, please bookmark the
web address on your mobile device.
• Transfer funds between your HSBC accounts
• Pay bills to the merchants in your payee list
• Locate HSBC ATMs and branches
• Send and receive secure messages with
HSBC
Global View/Global
Transfer support2
Global View/Global Transfer allows you to
view and manage your HSBC accounts from
anywhere in the world via HSBC Personal
Internet Banking. Simply link your HSBC
accounts to Global View by selecting the
country/territory where your accounts are held.
Enter individual username and security details
for each account. Once done, your accounts
will appear in your Global View and you may
start transferring2 funds between your accounts
with a minimal fee of USD7 (RM23.32 equivalent).
HSBC Telebanking
This service is available if you have opted for
HSBC Telebanking service during the account
opening process. You will be provided with
your 6-digit Telebanking Personal Identification
Number (TPIN) and 10-digit Personal Banking
Number (PBN) or 16-digit Credit Card number
(if applicable), which will be needed to access
HSBC Telebanking service.
HSBC Mobile Banking app can be easily
accessed with the following devices:
• Apple® iPhone® iOS 6.0 and higher.
• AndroidTM – powered devices with
platform 2.3 and higher. However,
customers are strongly recommended to
upgrade to Android version 4.0 and above
which has enhanced security features.
In order to download the HSBC Mobile Banking
app, you need to be registered for HSBC Personal
Internet Banking and have your Personal Internet
Banking credentials readily available (Username,
Memorable Answer, and Password). Once you
are registered, simply download the app from
the App StoreSM or Google Play™.
• Use the same Personal Internet Banking
credentials (Username, Password, and
Security Device) to access your HSBC accounts.
24 Hour hotline1
1300 88 1388
or
+603 8321 5400
(if you are calling from overseas)
If you have not opted for this earlier and wish
to use HSBC Telebanking service, you may
request for TPIN to be sent to your mailing
address.
Services provided
by HSBC
Telebanking
Bank account and
deposit services
Details
• Balance enquiry
• Total Relationship Balance
• Fund transfer
• Bill Payments
• Recent Transaction Records
• Remittance records
• Issued cheque status
• All deposit rates enquiry
• Exchange rates enquiry
• Transaction enquiry
Telebanking
service
• User tips and guide
• Setup automatic account registration
• Change PIN
Assistance and
request
• Change of address
• Joint account address update
• Cheque book request
• Statement request
• Reactivation of dormant account
(if account is linked to Telebanking)
• Personal Internet Banking related
enquiry
• Global View/Global Transfer
support enquiry
• Branch location enquiry
• ATM, Cash and Cheque Deposit
Machine location enquiry
Mortgages
• Annual Interest Statement retrieval
• Balance check
• Overdue payment
• Loan redemption statement
Emergency service
• Emergency Encashment
• One Day Redirection – lost/stolen of
Credit Card (selected branch only)
• MasterCard International
Emergency Replacement
Easy access and control of your money
whenever you need it, wherever you are
As an HSBC Advance customer, you can do your day-to-day banking any
time of the day. Internet, telephone and mobile banking keep you in control
of your money, wherever you are in the world. You’ll also enjoy a range of
extra benefits such as real-time international fund transfers between your
HSBC accounts. Because if there’s a way we can help, we will.
• Priority service at selected branches
• A team of well-trained Advance Managers to handle banking enquiries
• Secure Personal Internet Banking service for all your HSBC accounts
worldwide around the clock, with real-time transactions and wealth
management services
• Dedicated support from our Telebanking team, 24 hours a day,
seven days a week
• Global privileges and recognition at HSBCs worldwide:
Overseas HSBC ATMs withdrawal at RM5.30 per transaction
• International fund transfers between your HSBC accounts with our Global
Transfers Service (subject to a fee of RM23.32 (USD7 equivalent) for each
transaction)
• Emergency cash abroad from any HSBC branch (available with
authorisation from home country with a limit of up to USD10,000)
• Receive banking notification via internet mail for consolidated monthly
account statement and receive banking alerts immediately when you are
performing 3rd party transfers
• Other Advance products include: Advance Visa Debit Card
(with daily withdrawal limit of RM5, 000), Advance Current/Checking/
Savings Accounts for all Advance customers
Online, on mobile, and on your side
Whether you are trying to manage your cash flow or are
making big plans for the future, our digital financial tools
are here to help. These tools make it easier and faster for
currencies conversion, calculation of loans instalment and
keep track of your financial progress online or via our
Mobile Banking app. Simply because whatever your
ambitions, we want to help you get there at a pace that
suits you.
• One consolidated statement via Personal Internet Banking
(e-Statement)
• Instant access to the latest market information, including
exchange rates and deposit rates
• Receive banking notification alerts to stay on track of
your finances
• Online tools include Wealth Dashboard, Mortgage
Calculator and Tools, Personal Financing Calculator and
Cash Instalment Plan Calculator
• Mobile Banking app – available on smartphones and tablets
(Apple® iPhone® iOS 6.0 and higher or AndroidTM – powered
devices with platform 2.3 and higher, not applicable for
Android tablets.)
Financial expertise and support,
tailored to your needs
No matter how good you are with your money, there will
be times when you want a little assistance or support.
That’s why our team of Advance Managers will be more
than happy to talk to you in person or over the phone
about any of your financial needs. So whether you’re
planning a move or just planning ahead for the future,
we’ll support you in every way we can.
• A team of well-trained Advance Managers to help you
reach your goals and handle your day to day banking
enquiries
• Complimentary Financial Review to support your
financial needs
• Savings and investment plans to help you save,
build wealth and plan ahead for the future
Preferential offers and rewards,
just for you
There’s no such thing as a typical HSBC Advance customer.
Which is why we make the effort to understand your needs.
We’ll provide localised offers and rewards that we think
you’ll be interested in, as well as discounts that we’re sure
you’ll enjoy.
• Enjoy preferential rates on selected products
• HSBC Advance Visa Platinum Credit Card with fee waiver
and our HSBC Smart Privileges programmes which offer
different discounts and rebates
• Two (2) complimentary MEPS withdrawals per month
(includes MEPS Instant Transfer)
• Complimentary unlimited Interbank GIRO (“IBG”)
transfer services via Internet/ Mobile Banking
^
This is a Shariah compliant product of HSBC Amanah Malaysia Berhad,
an Islamic subsidiary of HSBC Bank Malaysia Berhad
THINGS YOU NEED TO KNOW ABOUT
HSBC ADVANCE ACCOUNT
HSBC Advance
Eligibility Criteria
You should be aware that….
Applicable for HSBC Perks@Work or CEPs Plus
customers only. This criteria allows you to enjoy
24 months Account Fee waiver, after which, you are
required to meet the TRB criteria.
To be eligible for HSBC Advance, you are required to
satisfy one of the following criteria:
(a) Deposits in Current Account, Savings Account, Time Deposits,
and/or Investment in Unit funds, Structured Investments*,
Dual Currency Investments* and/or Direct Retail bond*, and/or
Cash value from Family Life Insurance products with
investment-linked and savings components.
If you have been paying the Account Fee for a
consecutive period of 12 months, your HSBC Advance
account will automatically be redesignated to an HSBC
Basic Current Account.
(b) Minimum Home Loan/Financing of RM300,000
(c) Minimum monthly salary of RM5,000 credited into HSBC
Advance Account for HSBC Perks@Work or CEPs Plus
customer only
*From 1 September 2014, there products are no longer available
for Advance customers.
To find out more about HSBC Advance, please visit our
website at www.hsbcadvance.com.my
Interbank
GIRO (IBG)
transactions
Other important things you need to know
HSBC Advance gives you unlimited IBG transactions to
any accounts at participating IBG banks.
Funds remitted before 12.30pm will be received on the
same day while funds remitted after 12.30pm will be
available the next banking day.
Calculating your Total Relationship Balance
Customer
name
Account
type
Account
balance for
the month
Total Relationship
Balance for the
month
Account
Fee
A+B
Joint
RM10,000
A
Sole
RM20,000
RM20,000 (Sole) +
RM10,000 (Joint)
= RM30,000
RM10
Waived
B
Sole
RM30,000
RM30,000 (Sole) +
RM10,000 (Joint)
= RM40,000
Waived
For Advance eligibility via the Home Loan/Financing
criteria, you are entitled to enjoy perpetual fee waiver
until full settlement of the Home Loan/Financing.
Thereafter, you are required to meet the TRB requirement.
You can remit and transfer funds from your
HSBC Advance account into any accounts at
participating IBG banks for free.
Other important things you need to know
If your Total Relationship Balance (TRB) falls below the
minimum required balance of RM30,000, an Account
Fee of RM10.60 is chargeable for every month the
TRB requirement is not fulfilled.
The Total Relationship Balance of your sole account
will include balances from your related joint accounts.
To protect your privacy, we will not include sole
account balances when calculating the Total Relationship
Balance for joint accounts. This means that joint
accounts will need to maintain a separate Total
Relationship Balance.
You should be aware that….
Emergency
Encashment
service
You should be aware that….
In order to facilitate the application process of the
encashment service abroad, you will need to
produce your HSBC Advance Visa Debit Card,
HSBC Advance Visa Platinum Credit Card,
your HSBC Advance Account bank statement or
cheque book. You may also be required to produce
your National Identification Card, Passport or photo
card driving licence for identification purposes.
Other important things you need to know
Please note that the application for emergency funds is
subject to approval from your home country and local
regulations with a limit of up to USD10,000. The cash will
be provided in the local currency of the country in
which you are in, and will be debited from your
Advance account within 7 working days.
Global View &
Global Transfer2
You should be aware that….
List of participating countries for Global View &
Global Transfer.
Australia
Egypt
Macau
Singapore
Bahrain
France
Malaysia
South Korea±
Bermuda
Greece
Malta
Sri Lanka
Brazil
Hong Kong
Mexico
Taiwan
Brunei
India
New Zealand
United Arab
Emirates
Canada
Indonesia
Oman
United Kingdom
Cayman Islands
Jersey (HSBC Expat) Pakistan
China
Jordan
Paraguay
Colombia±
Lebanon
Qatar
4
United States
± Global Transfer is not available in these countries.
Other important things you need to know
• Global limit – USD1,000,000 This daily limit cannot
be exceeded in any 24-hour period.
• Transaction limit – USD100,000 per transaction
subject to not exceeding the Global limit in any
24-hour period
• Entity Limit – USD100,000 per transaction subject to
not exceeding the Global limit for all entities except
countries who have local regulatory restrictions.
• Set your own transfer limit but it cannot exceed the
Global limit.
HSBC Advance
Visa Debit Card
You should be aware that….
An annual fee of RM8.48 will be applied. As for the
issuance and replacement of debit card, it is
chargeable at RM8.48 and RM10 respectively.
Other important things you need to know
The daily purchase limit is set at RM1, 000 with the
option to increase to RM3,000. You can visit any of
HSBC Bank branch to increase your purchase limit.
The daily ATM cash withdrawal limit is set at RM5,000.
You can visit any of HSBC Bank branch to increase
your withdrawal limit.
Personal ambitions are never achieved alone. If you’ve got big plans
for the future, HSBC Advance can help you achieve them. So if you have any
questions or would like to find out more, please visit our website, give us a call
or drop by at your local branch.
Click
Call
Visit
: www.hsbcadvance.com.my
: 24 Hour hotline at 1300 88 1388 or
+603 8321 5400 (if you are calling from overseas)
: Your nearest HSBC branch5
To find the nearest HSBC branch5 in Malaysia:
WILAYAH PERSEKUTUAN - KUALA LUMPUR
SELANGOR DARUL EHSAN
Kuala Lumpur Leboh Ampang
No 2, Leboh Ampang,
50100 Kuala Lumpur
03 - 20753000
Puchong
No 7 Jalan Kenari 5,
Bandar Puchong Jaya,
47100 Puchong
03 - 21829200
03 - 80751492
Bukit Bintang
Menara Genesis
No 33 Jalan Sultan Ismail,
50250 Kuala Lumpur
03 - 21425470
03 - 88941700
Semenyih
03 - 88941100
03 - 87373810
Damansara
Level 1 Annexe
Menara Milenium,
Jalan Damanlela,
Pusat Bandar Damansara,
Damansara Heights,
50490 Kuala Lumpur
03 - 88941070/1/2
03 - 20932321
No 1 Jalan KP 1/2,
Taman Kajang Prima,
5 Kilometer Jalan Kajang,
Semenyih,
43000 Selangor
Subang Jaya
Unit 2A & 2A-A,
Jalan USJ 10/1B,
47610 UEP Subang Jaya,
Selangor Darul Ehsan
03 - 21825890
03 - 80244154
Kepong
No 43 & 45,
Jalan Metro Perdana 7,
Taman Usahawan Kepong,
Kepong Utara,
52100 Kuala Lumpur
03 - 21825997
03 - 62595025
Sungei Choh
No. 5, Jalan Seri Pagi 1,
Pusat Perdagangan Seri Pagi,
48200 Sungei Choh,
Rawang, Selangor
03 - 20757280
03 - 60915039
03 - 60915068
Plaza Mont Kiara
Plaza Mont Kiara
No 2, Jalan Kiara,
Mont Kiara
50480 Kuala Lumpur
03 - 20757502
03 - 62011485
NEGERI SEMBILAN DARUL KHUSUS
460 Jalan Ipoh,
51200 Kuala Lumpur
03 - 40473601
03 - 40473605
Jalan Ipoh
Seremban
SELANGOR DARUL EHSAN
Damansara Utama
Lot 55, 57 & 59,
Jalan SS21/37,
Damansara Utama,
47400 Petaling Jaya
03 - 21829000
03 - 77257364
03 - 77257384
Klang
No 2 Lorong Tiara 2A,
Bandar Baru Klang,
41150 Klang
03 - 33752800
03 - 33444249
03 - 33444202
Petaling Jaya
No 17-23 Jalan Sultan,
46200 Petaling Jaya
03 - 2182 9093
03 - 7957 2591
50-52 Jalan Dato
Bandar Tunggal,
70000 Seremban
06 - 7683200
06 - 7636393
Batu Pahat
No 32A-C Jalan Rahmat,
83000 Batu Pahat
07 - 4363800
Johor Bahru
No 1 Jalan Bukit Timbalan,
80000 Johor Baru
07 - 2198500
07 - 2243677
Taman Molek
No 44 & 46 Jln Molek 1/10,
Taman Molek,
81100 Johor Bahru
07 - 2198400
07 - 3573710
Muar
No 15 Jalan Petrie,
84000 Muar
06 - 9565200
06 - 9528651
JOHOR DARUL TA'ZIM
PAHANG DARUL MAKMUR
PULAU PINANG
Bentong
No 74 & 75 Jalan Loke Yew,
28700 Bentong,
Pahang
09 - 2210600
09 - 2221650
Kuantan
No 1 Jalan Mahkota
25000 Kuantan
Mentakab
Raub
Cameron Highlands
Bayan Baru
No 26, 28 & 30
Persiaran Bayan Indah,
Bayan Bay
11900 Penang
04 - 2595230
04 - 6423804
09 - 5057200
09 - 5141319
Butterworth
No 4778 Jalan Bagan Luar,
12000 Butterworth
04 - 2595400
04 - 3324778
No 72 Jalan Temerloh,
28400 Mentakab
09 - 2712000
09 - 2771482
Penang
No 1 Downing Street,
10300 Penang
04 - 2595500
04 - 2626206
No 5-7 Jalan Tun Razak,
27600 Raub
09 - 2210700
09 - 3551472
MALACCA
No 31-32 Main Road,
39000 Tanah Rata,
Cameron Highlands
05 - 4936600
05 - 4911388
No 777 Jalan Hang Tuah,
75300 Melaka
06 - 2896200
06 - 2830041
Bangunan KWSP
Jalan Padang Garong,
15000 Kota Bahru,
Kelantan
09 - 7459800
09 - 7481333
Malacca
KELANTAN DARUL NAIM
PERAK DARUL RIDZUAN
Kota Bahru
Ipoh
No 138 Jalan Sultan Yussuf,
30000 Ipoh, Perak
05 - 2083800
05 - 2536771
Taiping
No 2 Jalan Simpang,
34000 Taiping, Perak
05 - 8200300
05 - 8072548
Teluk Intan
No 2A Jalan Mahkamah,
36009 Teluk Intan, Perak
05 - 6299699
05 - 6212748
Sungei Petani
Kuala Terengganu
No 57 Jalan Sultan Ismail,
20200 Kuala Terengganu
09 - 6271500
09 - 6223237
Kota Kinabalu
56 Jalan Gaya,
88000 Kota Kinabalu
088 - 518600
088 - 213041
Sandakan
No 1 Jalan Pelabuhan/Leboh 3,
90000 Sandakan
089 - 248300
089 - 273212
Tawau
Fajar Complex
Jalan Persatuan,
91000 Tawau
089 - 775722
089 - 762233
SABAH
KEDAH DARUL AMAN
Alor Star
TERENGGANU DARUL IMAN
No 2 & 3 Kompleks Perniagaan
Sultan Abdul Hamid,
Persiaran Sultan Abdul Hamid,
Alor Setar, Kedah
04 - 7708200
04 - 7713962
69 Jalan Ibrahim,
08000 Sungei Petani
04 - 4299300
04 - 4217151
SARAWAK
Bintulu
No 25-27 Jln Law Gek Soon,
LB1 Box A218,
97000 Bintulu
086 - 850800
086 - 313771
Kuching
Bagunan Binamas
Jalan Padungan,
93100 Kuching
082 - 221500
082 - 421668
Miri
Lot 1623, Pujut 1A,
Pujut-Lutong Road,
98000 Miri Sarawak
085 - 463000
085 - 628954
Sibu
No 131 Jalan Kg Nyabor,
96000 Sibu
084 - 367000
084 - 327902
WILAYAH PERSEKUTUAN - LABUAN
Labuan
4 Jalan Merdeka,
87007 Labuan
087 - 599000
087 - 415088
Notes
1
Local/International call charges apply.
2
Global Transfer refers to transfers made between HSBC accounts of the same individual or to a
joint account with the same individual as one of the account holders.
3
Total Relationship Balance denotes a combination of deposits and/or investments held with
HSBC. This includes Advance Account (eligible for protection by PIDM), Time Deposits/Term
Deposits-i (eligible for protection by PIDM), Unit Trust funds and/or Shariah-compliant Unit
Trust funds (not insured by PIDM), and/or Single Contribution Plans.
4
All remittances to and from India are subject to service tax.
5
For updated locations of HSBC branches in Malaysia, log on to www.hsbc.com.my