2018 Fee Schedule

Effective 1 June 2018
Personal Banking, HSBC Advance and HSBC Premier Customers


Chequing Statement Savings Account services Debit and Credit Cards
Safety Deposit Boxes Local Payments Overseas Payments Foreign Cheques
Standing Instructions Lending Fees Investment Fees  


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Account Type Personal Advance Premier Seniors
Chequing
Personal Chequing monthly maintenance fee (BMD, USD) $10/month $10/month No charge No charge*
Cheque processing $1.75/cheque $1.75/cheque $1.75/cheque 10 free cheques per month, $0.50 per cheques thereafter
Cheque books $20/100 cheques $20/100 cheques $20/100 cheques $20/100 cheques
Cheque book Mailing $10 per order (100 cheques) $10 per order (100 cheques) $10 per order (100 cheques) $10 per order (100 cheques)
Unauthorised Overdraft $20/item $20/item $20/item $20/item
Inward dishonour fee for returned cheques $25/item $25/item $25/item $25/item
Cheque image copy $2.50/cheque $2.50/cheque $2.50/cheque $2.50/cheque

*$50 average monthly balance required, otherwise $3/month


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Account Type Personal Advance Premier Seniors
Statement Savings
Statement Savings monthly maintenance fee
(all available currencies)
$1.00 $1.00 No charge No charge*
Unauthorised Overdraft** $20/item $20/item $20/item $20/item

*$100 average minimum balance required, otherwise $1/month
**This fee change will be limited to a maximum $60 charge within a calendar month.



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Account Type Personal Advance Premier Seniors
Account services
Audit Confirmation $50.00 $50.00 $50.00 $50.00
Bank Reference $45.00 $35.00 $25.00 $45.00
Courier $60.00 $60.00 $60.00 $60.00
Research $50/hour $50/hour $50/hour $50/hour
Statement Reprints $10/statement $10/statement $10/statement $10/statement
Advance orders same day pickup $5.00 $5.00 $5.00 $5.00
Advance Orders: USD Cash orders less than $5,000** No charge No charge No charge No charge
Advance Orders: USD Cash orders more than $5,000** 0.5% fee
amount in excess of $5000**
0.5% fee
amount in excess of $5000**
0.5% fee
amount in excess of $5000**
0.5% fee
amount in excess of $5000**
Paper Statement Fee $5.00/statement $5.00/statement $5.00/statement No charge
Non HSBC Customers
Cheque Cashing* $30/item N/A N/A N/A

*Please see us about opening an account to avoid this fee
**Plus applicable transaction/service fees



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Account Type Personal Advance Premier Seniors
Debit and Credit Cards
Debit Card annual fee No charge No charge No charge No charge
Premier BermudaCard with Mastercard annual fee N/A N/A No Charge N/A
BermudaCard with Mastercard annual fee $35.00 $35.00 $35.00 $35.00
Visa Classic annual fee $60.00 $60.00 $60.00 $60.00
Visa Gold annual fee $75.00 $75.00 $75.00 $75.00
HSBC Premier Mastercard annual fee N/A N/A No Charge N/A
HSBC Advance Mastercard annual fee N/A $50.00 N/A N/A
HSBC Premier BermudaCard with Mastercard interest rate N/A N/A 19.95% N/A
BermudaCard with Mastercard interest rate 19.95% 19.95% 19.95% 19.95%
Visa Classic interest rate 19.95% 19.95% 19.95% 19.95%
Visa Gold interest rate 19.95% 19.95% 19.95% 19.95%
HSBC Premier Mastercard interest rate N/A N/A 19.95% N/A
HSBC Advance Mastercard interest rate N/A 19.95% N/A N/A
BermudaCard with Mastercard supplemental card $30.00 $30.00 $30.00 $30.00
Visa Classic supplemental card $40.00 $40.00 $40.00 $40.00
Visa Gold supplemental card $70.00 $70.00 $70.00 $70.00
HSBC Premier BermudaCard with
Mastercard supplemental card
N/A N/A No Charge N/A
HSBC Premier Mastercard supplemental card N/A N/A No Charge N/A
HSBC Advance Mastercard supplemental card N/A $40.00 N/A N/A
BermudaCard with Mastercard monthly service fee based on unpaid balances
$999 or less N/A* N/A* N/A* N/A*
$1000 - $2999 N/A* N/A* N/A* N/A*
$3000-$4999 N/A* N/A* N/A* N/A*
$5000 and over N/A* N/A* N/A* N/A*

*To be more transparent, and ensure that our customers are able to compare our credit card products with the rest of the local market, we are demising the Tiered Monthly Service Fee associated with our Bermuda Card and absorbing the Monthly Service Fee into the Annual Interest Rate.



Account Type Personal Advance Premier Seniors
Debit and Credit Cards
Credit Card Cash Advance 2.50% of cash advance
(min $2.50)
2.50% of cash advance
(min $2.50)
2.50% of cash advance
(min $2.50)
2.50% of cash advance
(min $2.50)
Credit Card Replacement Fee*** No Charge No Charge No Charge No Charge
Debit Card Replacement Fee No Charge No Charge No Charge No Charge
Debit card cash withdrawals from non-HSBC Bermuda ATMs 2.5% of cash withdrawal,
(min $3.50)
2.5% of cash withdrawal,
(min $3.50)
2.5% of cash withdrawal,
(min $3.50)
2.5% of cash withdrawal,
(min $3.50)
Copy of sales slip $15.00 $15.00 $15.00 $15.00
Credit Limit Increase No Charge No Charge No Charge No Charge
Late payment $40.00 $40.00 $40.00 $40.00
Overlimit Fee* $40.00 $40.00 No Charge $40.00
Research $50/hour $50/hour $50/hour $50/hour
Statement Reprints $10/statement $10/statement $10/statement $10/statement
International Transaction Fee** (debit and credit cards) 0.6% 0.6% 0.6% 0.6%
Rush Card Order $35/card $35/card $35/card $35/card
Lost or Stolen Debit Card Fraud Deductible $50/card $50/card $50/card $50/card
Lost or Stolen Credit Card Fraud Deductible $100/card $100/card $100/card $100/card

*limited to a maximum $40 charge within a calendar month
**applied to each international purchase transaction conducted outside of Bermuda
***Effective November 18, 2017



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Annual Rental Fee
Safety Deposit Boxes*
Box Type 1 $41.25
Box Type 2 $62.00
Box Type 3 $103.00
Box Type 4 $103.00
Box Type 5 $196.00
Box Type 6 $216.50
Box Type 7 $216.50
Box Type 8 $350.75
Box Type 9 $412.50
Box Type 10 $464.00
Lock and Key Replacement Fee $120.00
Lost Key Replacement Fee $20.00
Box Break Fee $120.00

*New boxes are available to Advance and Premier customers at Harborview and Church Street Branches only



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Account Type Personal Advance Premier Seniors
Local Payments
Cashier's Cheques ordered via Personal Internet Banking $10.00 $10.00 $10.00 $10.00
Cashier's Cheques ordered manually $75.00 $75.00 $75.00 $15.00
Internal HSBC Bermuda Transfer via Personal Internet Banking No charge No charge No charge No charge
Internal HSBC Bermuda Transfer ordered manually No charge No charge No charge No charge
Payment to other local bank via Personal Internet Banking No charge No charge No charge No charge
Payment to other local bank ordered manually $50.00 $50.00 $50.00 $50.00
Overseas Payments
Drafts ordered via Personal Internet Banking $15.00 $15.00 $15.00 $15.00
Drafts ordered manually $100.00 $100.00 $100.00 $25.00
Outgoing wire via Personal Internet Banking $15.00 $15.00 $15.00 $15.00
Outgoing wire ordered manually on bank stationary $100.00 $100.00 $100.00 $100.00
Outgoing wire ordered manually on non-bank stationary $100.00 $100.00 $100.00 $100.00
International Incoming Wire $6.00 $6.00 $6.00 $6.00
Global Transfer (Wire Transfer to overseas HSBC office) N/A $7.00 No Charge N/A
Stop Payment (International Draft) $20/item $20/item $20/item $20/item


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Account Type Personal Advance Premier Seniors
Foreign Cheques
Cheques purchased (at the discretion of HSBC) 0.3% or $20/item* 0.3% or $20/item* 0.3% or $20/item* 0.3% or $20/item*
Cheques sent for collection/deferral $20.00 $20.00 $20.00 $20.00

*whichever is greater



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Account Type Personal Advance Premier Seniors
Standing Instructions
Manual Set Up $7.00 $7.00 $7.00 $7.00
Set Up in Personal Internet Banking No charge No charge No charge No charge
Amendment $7.00 $7.00 $7.00 $7.00
Transfer within HSBC Bermuda No charge No charge No charge No charge
Transfer to other Bermuda financial institution $2.50 $2.50 $2.50 $2.50
Local Mail Payment $13.00 $13.00 $13.00 $13.00
Foreign Mail Payment $16.00 $16.00 $16.00 $16.00
International Wire Payment $35.00 $35.00 $35.00 $35.00
Warning Advice (due to insufficient funds after 3 attempts) $5.00 $5.00 $5.00 $5.00
Warning Advice $5.00 $5.00 $5.00 $5.00


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Account Type Maximum Term Personal Advance Premier Seniors
Lending Fees
Home Equity Loan Negotiation Fee 30 years 1% / $200 minimum 0.90% / $150 minimum 0.80% / $150 minimum 1% / $150 minimum
Personal loan - secured Negotiation Fee 5 years 1% / $200 minimum 0.90% / $200 minimum 0.80% / $200 minimum 1% / $200 minimum
Personal Loan - unsecured Negotiation Fee 5 years 1% / $200 minimum 0.90% / $200 minimum 0.80% / $200 minimum 1% / $200 minimum
Overdrafts 1 year $25 per quarter under $10k
.25% per quarter over $10k
$25 per quarter under $10k
.25% per quarter over $10k
$25 per quarter under $10k
.25% per quarter over $10k
$25 per quarter under $10k
.25% per quarter over $10k
Education Loans Secured Negotiation Fee 5 years 1% 0.90% 0.80% 1%
Education Loans Unsecured Negotiation Fee 5 years 1% 0.90% 0.80% 1%
Mortgage Negotiation Fee 1% 0.90% 0.80% 1%
Personal Line of Credit Negotiation Fee 1% 0.90% 0.80% 1%
Personal Line of Credit Late Fee No Charge No Charge No Charge No Charge
Request for Deed Copy
Copy of Conveyance - Certified $25.00 $25.00 $25.00 $25.00
Copy of Conveyance - Certification not required $15.00 $15.00 $15.00 $15.00
Copy of Site Plan/Schedule $10.00 $10.00 $10.00 $10.00


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Account Type Personal Advance Premier Seniors
Investment Fees
Custody and Safekeeping Local Shares $25/quarter for local shares $25/quarter for local shares $25/quarter for local shares $25/quarter for local shares
Execution Fees Local trading up to $50k 1% of trade/
$75 minimum
1% of trade/
$75 minimum
1% of trade/
$75 minimum
1% of trade/
$75 minimum
Execution Fees Local trading $50k - $100k 0.75% of trade 0.75% of trade 0.75% of trade 0.75% of trade
Execution Fees Local trading over $100k 0.50% of trade 0.50% of trade 0.50% of trade 0.50% of trade
Handling Fee $25.00 per trade $25.00 per trade $25.00 per trade $25.00 per trade
BSX Fee 0.125% on each transaction/
$1.25 minimum
0.125% on each transaction/
$1.25 minimum
0.125% on each transaction/
$1.25 minimum
0.125% on each transaction/
$1.25 minimum


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