Global Money 

It's a digital account you can use to hold money in different currencies. It's also an easy-to-use multi-currency account that lets you manage, send and spend money in different currencies securely. It's free from HSBC fees. Non-HSBC fees may apply. You can receive payments into your Global Money Account in the 18 currency balances we allow. All other currencies will be converted into GBP and added to your GBP balance.

You can send and spend money in more than 50 currencies to 200 countries and regions. If you don't hold a balance in the currency you are spending in, simply ensure funds are available in your GBP wallet.

You can hold balances in these currencies:

*Whilst you can hold a CNY balance, there are regulatory restrictions that prevent you being able to send or spend inside or outside China. Chinese regulations only allow for payments in GBP, USD or EUR, so you will need to ensure you have funds available in these currencies.

Simply add GBP or any supported currency to your HSBC Global Money Account. Use your debit card as you would at home. We'll take payment from your currency balance if funds are available. If not, or if the transaction is in a currency you can't hold a balance in, we'll take it from your GBP balance.

If using local currency where you don't hold a balance, we'll take this from your GBP balance and not any other currency balance. For example, if you use Mexican pesos we'll take this from your GBP balance and not your USD balance.

Please bear in mind spending limits may apply.

Global Money is more than just a travel card. You can convert currency as and when you need to, even on the go. You can use your Global Money debit card like a local, at home or abroad with no HSBC fees including at cash machines. Non-HSBC fees may apply. We'll debit payments from your currency balance if funds are available. If not, or if the transaction is in a currency you can't hold a balance in, we'll debit your GBP balance.

If using local currency where you don't hold a balance, this will debit your GBP balance and not any other currency balance. For example, if you use Mexican pesos this will be debited from your GBP balance and NOT your USD balance.

Yes, they're covered by the Financial Services Compensation Scheme. You can find the UK FSCS Information Sheet and Exclusions List under Important documents on this page where you can, view, print and download the document.

The HSBC Global Money Exchange Rate is made up of the cost to HSBC and a foreign currency conversion margin that we include.

Sending money - international payments

The HSBC Global Money Exchange Rate is a live rate updated by the second during market hours. This means we can always offer our most up-to-date rate. This provides you with visibility and certainty of how much you're sending. The exchange rate will be displayed in the mobile app before you confirm your payment and will be valid for 40 seconds before refreshing. This rate is quoted to you before you complete any foreign currency transaction using Global Money.

Spending – card transactions.

If you have enough funds in the currency of the transaction, no exchange rate will apply. If the transaction is in one of the 17 currencies you can hold a balance in and you don't have enough funds in that currency to cover it, we'll convert available GBP funds using the HSBC Global Money Exchange Rate to cover the transaction. If the transaction is in a currency you can't hold a balance in, it'll be converted using the VISA exchange rate.

No, but you can convert currency before you go, and hold it in your currency balance ready to use at any time. This can help you control your budget by choosing how much you want to spend. Alternatively, you could choose to convert currency as and when you need it.

You can send money internationally without any HSBC or Intermediary fees. However, other banks may charge to receive a payment.

With your Global Money debit card, you can spend or withdraw cash with no HSBC fees. Check for other non-HSBC charges, for example when using cash machines.