These fees are applicable to customers under the definition of an “insured depositor”1 in the Deposit Insurance Act.
Items with "No charge" are services offered by the Bank at zero cost. Items with "N/A" indicate that the services are not offered by the Bank.
Customers over the age of 65 receive Seniors fees upon advising the Bank of their eligibility.
Fees listed under Small Business & Charities align to the published fees for all HSBC Business and Corporate clients.
To review all Business and Corporate Service Charges, please visit HSBC Business.
Table of contents:
Deposit Accounts and Payment Services
Account type | Personal | Advance | Premier | Seniors |
Small Business & Charities |
---|---|---|---|---|---|
Monthly maintenance fee | $12 per month | $12 per month | No charge | No charge | $15 per month |
Monthly compliance fee | No charge | No charge | No charge | No charge | No charge |
Dormancy period (number of months of inactivity before account is declared Dormant) |
24 Months | 24 Months | 24 Months | 24 Months | 12 Months |
Monthly dormant account fee (charged in addition to maintenance and compliance fees) |
No charge | No charge | No charge | No charge | No charge |
Dormant account reactivation fee | No Charge | No Charge | No Charge | No Charge | No Charge |
Account type | Monthly maintenance fee |
---|---|
Personal | $12 per month |
Advance | $12 per month |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | $15 per month |
Account type | Monthly compliance fee |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type |
Dormancy period (number of months of inactivity before account is declared Dormant) |
Personal | 24 Months |
Advance | 24 Months |
Premier | 24 Months |
Seniors |
24 Months |
Small Business & Charities | 12 Months |
Account type |
Monthly dormant account fee (charged in addition to maintenance and compliance fees) |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type | Dormant account reactivation fee |
Personal | No Charge |
Advance | No Charge |
Premier | No Charge |
Seniors |
No Charge |
Small Business & Charities | No Charge |
Account type | Personal | Advance | Premier | Seniors |
Small Business & Charities |
---|---|---|---|---|---|
Monthly maintenance fee | $5 per month | $5 per month | No charge | No charge | N/A |
Monthly compliance fee | No charge | No charge | No charge | No charge | N/A |
Dormancy period (number of months of inactivity before account is declared Dormant) |
24 Months | 24 Months | 24 Months | 24 Months | N/A |
Monthly dormant account fee (charged in addition to maintenance and compliance fees) |
No charge | No charge | No charge | No charge | N/A |
Account type | Monthly maintenance fee |
---|---|
Personal | $5 per month |
Advance | $5 per month |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | N/A |
Account type | Monthly compliance fee |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | N/A |
Account type |
Dormancy period (number of months of inactivity before account is declared Dormant) |
Personal | 24 Months |
Advance | 24 Months |
Premier | 24 Months |
Seniors |
24 Months |
Small Business & Charities | N/A |
Account type |
Monthly dormant account fee (charged in addition to maintenance and compliance fees) |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | N/A |
Account type | Personal | Advance | Premier | Seniors |
Small Business & Charities |
---|---|---|---|---|---|
Free cheque allowance | N/A | N/A | N/A | N/A |
N/A |
Minimum balance for free cheque allowance | N/A | N/A | N/A | N/A | N/A |
Cheque processing fee (for cheques above free cheque allowance) |
$1.75 per cheque | $1.75 per cheque | $1.75 per cheque | No charge | $3.50 per cheque |
Stop payment fee | N/A | N/A | N/A | N/A | $15 per cheque |
Returned cheque fee (e.g. you have insufficient funds, stale dated or unsigned cheque) |
$25 per cheque | $25 per cheque | $25 per cheque | $25 per cheque | $20 per cheque |
New cheques fee | N/A | N/A | N/A | N/A | N/A |
Cheque book fee | $10 | $10 | $10 | $10 | $35 |
Deposit book fee | N/A | N/A | N/A | N/A | N/A |
Account type | Free cheque allowance |
---|---|
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Account type | Minimum balance for free cheque allowance |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Account type |
Cheque processing fee (for cheques above free cheque allowance) |
Personal | $1.75 per cheque |
Advance | $1.75 per cheque |
Premier | $1.75 per cheque |
Seniors |
No charge |
Small Business & Charities | $3.50 per cheque |
Account type | Stop payment fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | $15 per cheque |
Account type |
Returned cheque fee (e.g. you have insufficient funds, stale dated or unsigned cheque) |
Personal | $25 per cheque |
Advance | $25 per cheque |
Premier | $25 per cheque |
Seniors |
$25 per cheque |
Small Business & Charities | $20 per cheque |
Account type | New cheques fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Account type | Cheque book fee |
Personal | $10 |
Advance | $10 |
Premier | $10 |
Seniors |
$10 |
Small Business & Charities | $35 |
Account type | Deposit book fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Account type | Personal | Advance | Premier | Seniors |
Small Business & Charities |
---|---|---|---|---|---|
Overdraft maximum term | 3 years | 3 years | 3 years | 3 years | 1 year (renewable annually) |
Overdraft negotiation and set-up fee | 1% of approved overdraft | 0.9% of approved overdraft | 0.8% of approved overdraft | 1% of approved overdraft | 1% - 2.50% of approved overdraft |
Overdraft interest rate | Refer to published rates | Refer to published rates | Refer to published rates | Refer to published rates | Refer to published rates |
Unauthorised or temporary overdraft fee | No charge | No charge | No charge | No charge | $20 per transaction |
Unauthorised or temporary overdraft interest rate | Bermuda Dollar base rate plus 12% | Bermuda Dollar base rate plus 12% | Bermuda Dollar base rate plus 12% | Bermuda Dollar base rate plus 12% | Bermuda Dollar base rate plus 12% |
Account type | Overdraft maximum term |
---|---|
Personal | 3 years |
Advance | 3 years |
Premier | 3 years |
Seniors |
3 years |
Small Business & Charities | 1 year (renewable annually) |
Account type | Overdraft negotiation and set-up fee |
Personal | 1% of approved overdraft |
Advance | 0.9% of approved overdraft |
Premier | 0.8% of approved overdraft |
Seniors |
1% of approved overdraft |
Small Business & Charities | 1% - 2.50% of approved overdraft |
Account type | Overdraft interest rate |
Personal | Refer to published rates |
Advance | Refer to published rates |
Premier | Refer to published rates |
Seniors |
Refer to published rates |
Small Business & Charities | Refer to published rates |
Account type | Unauthorised or temporary overdraft fee |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | $20 per transaction |
Account type | Unauthorised or temporary overdraft interest rate |
Personal | Bermuda Dollar base rate plus 12% |
Advance | Bermuda Dollar base rate plus 12% |
Premier | Bermuda Dollar base rate plus 12% |
Seniors |
Bermuda Dollar base rate plus 12% |
Small Business & Charities | Bermuda Dollar base rate plus 12% |
Account type | Personal | Advance | Premier | Seniors |
Small Business & Charities |
---|---|---|---|---|---|
Monthly maintenance fee | No charge | No charge | No charge | No charge | $15 per month |
Monthly compliance fee | No charge | No charge | No charge | No charge | No charge |
Dormancy period (number of months of inactivity before account is declared Dormant) |
24 months | 24 months | 24 months | 24 months | 12 months |
Monthly dormant account fee (in addition to maintenance and compliance fees) |
No charge | No charge | No charge | No charge | No charge |
Dormant account reactivation fee | No charge | No charge | No charge | No charge | No charge |
Account type | Monthly maintenance fee |
---|---|
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | $15 per month |
Account type | Monthly compliance fee |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type |
Dormancy period (number of months of inactivity before account is declared Dormant) |
Personal | 24 months |
Advance | 24 months |
Premier | 24 months |
Seniors |
24 months |
Small Business & Charities | 12 months |
Account type |
Monthly dormant account fee (in addition to maintenance and compliance fees) |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type | Dormant account reactivation fee |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type | Personal | Advance | Premier | Seniors |
Small Business & Charities |
---|---|---|---|---|---|
Unauthorised overdraft fee | N/A | N/A | N/A | N/A | N/A |
Unauthorised overdraft interest rate | N/A | N/A | N/A | N/A | N/A |
Account type | Unauthorised overdraft fee |
---|---|
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Account type | Unauthorised overdraft interest rate |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Account type | Personal | Advance | Premier | Seniors |
Small Business & Charities |
---|---|---|---|---|---|
Amendment fee | No charge | No charge | No charge | No charge | No charge |
Breakage fee | Dependent upon term to maturity and contracted versus market rates | Dependent upon term to maturity and contracted versus market rates | Dependent upon term to maturity and contracted versus market rates | Dependent upon term to maturity and contracted versus market rates | Dependent upon term to maturity and contracted versus market rates |
Account type | Amendment fee |
---|---|
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type | Breakage fee |
Personal | Dependent upon term to maturity and contracted versus market rates |
Advance | Dependent upon term to maturity and contracted versus market rates |
Premier | Dependent upon term to maturity and contracted versus market rates |
Seniors |
Dependent upon term to maturity and contracted versus market rates |
Small Business & Charities | Dependent upon term to maturity and contracted versus market rates |
Account type | Personal | Advance | Premier | Seniors |
Small Business & Charities |
---|---|---|---|---|---|
Cheque image copy fee | $2.50 | $2.50 | $2.50 | $2.50 | $2.50 |
Paper statement fee | $5 per statement | $5 per statement | $5 per statement | No charge | No charge |
Scheduled additional paper statements | N/A | N/A | N/A | N/A | $5 per statement |
Non-scheduled statement fee | N/A | N/A | N/A | N/A | N/A |
Statement reprint fee | $10 | $10 | $10 | $10 | $10 |
Copy of transactions fee | N/A | N/A | N/A | N/A | N/A |
Research fee | $50 | $50 | $50 | $50 | $50 |
Audit Confirmation fee | $50 | $50 | $50 | $50 | $50 |
Credit check fee | No charge | No charge | No charge | No charge | No charge |
Bank / Credit reference fee | $45 | $35 | $25 | $25 | $35 |
Bank / Credit reference rush fee | N/A | N/A | N/A | N/A | N/A |
Overseas mailing / Courier charges | $60 | $60 | $60 | $60 | Prevailing rates plus $5 handling fee |
Special handling fee | N/A | N/A | N/A | N/A | $500 per request |
Returned mail (after three consecutive months) | N/A | N/A | N/A | N/A | N/A |
Account type | Cheque image copy fee |
---|---|
Personal | $2.50 |
Advance | $2.50 |
Premier | $2.50 |
Seniors |
$2.50 |
Small Business & Charities | $2.50 |
Account type | Paper statement fee |
Personal | $5 per statement |
Advance | $5 per statement |
Premier | $5 per statement |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type | Scheduled additional paper statements |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | $5 per statement |
Account type | Non-scheduled statement fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Account type | Statement reprint fee |
Personal | $10 |
Advance | $10 |
Premier | $10 |
Seniors |
$10 |
Small Business & Charities | $10 |
Account type | Copy of transactions fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Account type | Research fee |
Personal | $50 |
Advance | $50 |
Premier | $50 |
Seniors |
$50 |
Small Business & Charities | $50 |
Account type | Audit Confirmation fee |
Personal | $50 |
Advance | $50 |
Premier | $50 |
Seniors |
$50 |
Small Business & Charities | $50 |
Account type | Credit check fee |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type | Bank / Credit reference fee |
Personal | $45 |
Advance | $35 |
Premier | $25 |
Seniors |
$25 |
Small Business & Charities | $35 |
Account type | Bank / Credit reference rush fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Account type | Overseas mailing / Courier charges |
Personal | $60 |
Advance | $60 |
Premier | $60 |
Seniors |
$60 |
Small Business & Charities | Prevailing rates plus $5 handling fee |
Account type | Special handling fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | $500 per request |
Account type | Returned mail (after three consecutive months) |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Account type | Personal | Advance | Premier | Seniors |
Small Business & Charities |
---|---|---|---|---|---|
Foreign exchange - sell Bermuda dollar | N/A | N/A | N/A | N/A | N/A |
Foreign exchange - any currency pair | N/A | N/A | N/A | N/A | N/A |
Account type | Foreign exchange - sell Bermuda dollar |
---|---|
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Account type | Foreign exchange - any currency pair |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Account type | Personal | Advance | Premier | Seniors |
Small Business & Charities |
---|---|---|---|---|---|
Cheque cashing for non-customer (for cheques drawn on us) |
$35 per cheque | $35 per cheque | $35 per cheque | $35 per cheque | $35 per cheque |
Cheque cashing for customer (any Bermuda bank's cheque) |
No charge | No charge |
No charge |
No charge |
No charge |
Coin deposit | No charge | No charge | No charge | No charge | 1.5% after annual cash threshold reached |
Deposit | No charge | No charge | No charge | No charge | No charge |
Withdrawal | No charge | No charge | No charge | No charge | No charge |
Credit card payment | No charge | No charge | No charge | No charge | No charge |
Foreign currency cash withdrawal2 | No charge |
No charge |
No charge |
No charge |
No charge |
Foreign currency notes purchase2 | No charge |
No charge |
No charge |
No charge |
No charge |
Local wire payment - using bank template | $50 | $50 | $50 | $50 | $75 |
Local wire payment - not using bank template | $50 | $50 | $50 | $50 | $75 |
Overseas wire payment - using bank template | $125 | $125 | $125 | $40 | $150 |
Overseas wire payment - not using bank template | $125 | $125 | $125 | $40 | $150 |
Account type |
Cheque cashing for non-customer (for cheques drawn on us) |
---|---|
Personal | $35 per cheque |
Advance | $35 per cheque |
Premier | $35 per cheque |
Seniors |
$35 per cheque |
Small Business & Charities | $35 per cheque |
Account type |
Cheque cashing for customer (any Bermuda bank's cheque) |
Personal | No charge |
Advance |
No charge |
Premier |
No charge |
Seniors |
No charge |
Small Business & Charities |
No charge |
Account type | Coin deposit |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | 1.5% after annual cash threshold reached |
Account type | Deposit |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type | Withdrawal |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type | Credit card payment |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type | Foreign currency cash withdrawal2 |
Personal |
No charge |
Advance |
No charge |
Premier |
No charge |
Seniors |
No charge |
Small Business & Charities |
No charge |
Account type | Foreign currency notes purchase2 |
Personal |
No charge |
Advance |
No charge |
Premier |
No charge |
Seniors |
No charge |
Small Business & Charities |
No charge |
Account type | Local wire payment - using bank template |
Personal | $50 |
Advance | $50 |
Premier | $50 |
Seniors |
$50 |
Small Business & Charities | $75 |
Account type | Local wire payment - not using bank template |
Personal | $50 |
Advance | $50 |
Premier | $50 |
Seniors |
$50 |
Small Business & Charities | $75 |
Account type | Overseas wire payment - using bank template |
Personal | $125 |
Advance | $125 |
Premier | $125 |
Seniors |
$40 |
Small Business & Charities | $150 |
Account type | Overseas wire payment - not using bank template |
Personal | $125 |
Advance | $125 |
Premier | $125 |
Seniors |
$40 |
Small Business & Charities | $150 |
Note: see also any item listed under "Local Payments and Transfers", "Overseas Payments" and "Standing Orders or instructions", that are "not via online banking".
Account type | Personal | Advance | Premier | Seniors |
Small Business & Charities |
---|---|---|---|---|---|
Debit card annual fee | No charge | No charge | No charge | No charge | N/A |
Debit card daily transaction limit | $2000 | $2500 |
$3000 |
Determined by Personal, Advance or Premier status | N/A |
ATM daily cash withdrawal limit | $2000 |
$2500 |
$3000 |
Determined by Personal, Advance or Premier status | N/A |
ATM cash withdrawal fee (HSBC ATMs) | No charge | No charge | No charge | No charge | N/A |
ATM cash withdrawal fee (other banks) | 2.5% per transaction (min $3.50) |
2.5% per transaction (min $3.50) |
2.5% per transaction (min $3.50) |
2.5% per transaction (min $3.50) |
N/A |
ATM surcharge | N/A | N/A | N/A | N/A | N/A |
Other transaction performed via ATM | No charge | No charge | No charge | No charge | N/A |
Debit card US cross border fee / international transaction fee | 0.6% | 0.6% | 0.6% | 0.6% | N/A |
Debit card disputed transaction fee | N/A | N/A | N/A | N/A | N/A |
Lost or stolen debit card fraud deductible | $50 per card | $50 per card | $50 per card | $50 per card | N/A |
Debit card replacement fee | No charge | No charge | No charge | No charge | N/A |
Debit card replacement - rush fee | $35 per card | $35 per card | $35 per card | $35 per card | N/A |
Debit card non-activity fee | N/A | N/A | N/A | N/A | N/A |
Debit card temporary daily transaction limit increase fee | N/A | N/A | N/A | N/A | N/A |
Copy of debit card sales slip fee | $15 per sales slip | $15 per sales slip | $15 per sales slip | $15 per sales slip | N/A |
Account type | Debit card annual fee |
---|---|
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | N/A |
Account type | Debit card daily transaction limit |
Personal | $2000 |
Advance |
$2500 |
Premier |
$3000 |
Seniors |
Determined by Personal, Advance or Premier status |
Small Business & Charities | N/A |
Account type | ATM daily cash withdrawal limit |
Personal |
$2000 |
Advance |
$2500 |
Premier |
$3000 |
Seniors |
Determined by Personal, Advance or Premier status |
Small Business & Charities | N/A |
Account type | ATM cash withdrawal fee (HSBC ATMs) |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | N/A |
Account type | ATM cash withdrawal fee (other banks) |
Personal |
2.5% per transaction (min $3.50) |
Advance |
2.5% per transaction (min $3.50) |
Premier |
2.5% per transaction (min $3.50) |
Seniors |
2.5% per transaction (min $3.50) |
Small Business & Charities |
N/A |
Account type | ATM surcharge |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Account type | Other transaction performed via ATM |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | N/A |
Account type | Debit card US cross border fee / international transaction fee |
Personal | 0.6% |
Advance | 0.6% |
Premier | 0.6% |
Seniors |
0.6% |
Small Business & Charities | N/A |
Account type | Debit card disputed transaction fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Account type | Lost or stolen debit card fraud deductible |
Personal | $50 per card |
Advance | $50 per card |
Premier | $50 per card |
Seniors |
$50 per card |
Small Business & Charities | N/A |
Account type | Debit card replacement fee |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | N/A |
Account type | Debit card replacement - rush fee |
Personal | $35 per card |
Advance | $35 per card |
Premier | $35 per card |
Seniors |
$35 per card |
Small Business & Charities | N/A |
Account type | Debit card non-activity fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Account type | Debit card temporary daily transaction limit increase fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Account type | Copy of debit card sales slip fee |
Personal | $15 per sales slip |
Advance | $15 per sales slip |
Premier | $15 per sales slip |
Seniors |
$15 per sales slip |
Small Business & Charities | N/A |
Account type | Personal | Advance | Premier | Seniors |
Small Business & Charities |
---|---|---|---|---|---|
Online banking set-up fee | No charge | No charge | No charge | No charge | No charge |
Token replacement fee | No charge | No charge | No charge | No charge | $5 |
Courier or rush fee | No charge | No charge | No charge | No charge | No charge |
View Only HSBC Net Maintenance fee | N/A | N/A | N/A | N/A | $10 per month |
Domestic HSBC Net Maintenance fee | N/A | N/A | N/A | N/A | $25 per month |
International HSBC Net Maintenance fee | N/A | N/A | N/A | N/A | $40 per month |
Billing via Transactional Workflow Standards Team | N/A | N/A | N/A | N/A | $10 per month |
Billing via Transactional Workflow Standards Team - Set up fee | N/A | N/A | N/A | N/A | $50 (one-time fee) |
HSBC Net File Upload - Domestic - Set up fee | N/A | N/A | N/A | N/A | $800 per project |
HSBC Net File Upload - Regional - Set up fee | N/A | N/A | N/A | N/A | $1500 per project |
HSBC Net File Upload - International - Set up fee | N/A | N/A | N/A | N/A | $3500 per project |
HSBC Net File Upload - Domestic - Monthly fee | N/A | N/A | N/A | N/A | $250 per profile |
HSBC Net File Upload - Regional - Monthly fee | N/A | N/A | N/A | N/A | $250 per profile |
HSBC Net File Upload - International - Monthly fee | N/A | N/A | N/A | N/A | $550 per profile |
SWIFT FIN/Concentrator - Set up fee | N/A | N/A | N/A | N/A | $1500 per project |
SWIFT FIN/Concentrator - Monthly fee | N/A | N/A | N/A | N/A | $250 per BIC |
Payment File - Complex | N/A | N/A | N/A | N/A | $10 per file |
Payment File - Standard/High Value | N/A | N/A | N/A | N/A | $5 per file |
Payment File - Simple/Local | N/A | N/A | N/A | N/A | No Charge |
Account type | Online banking set-up fee |
---|---|
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type | Token replacement fee |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | $5 |
Account type | Courier or rush fee |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type | View Only HSBC Net Maintenance fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | $10 per month |
Account type | Domestic HSBC Net Maintenance fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | $25 per month |
Account type | International HSBC Net Maintenance fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | $40 per month |
Account type | Billing via Transactional Workflow Standards Team |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | $10 per month |
Account type | Billing via Transactional Workflow Standards Team - Set up fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | $50 (one-time fee) |
Account type | HSBC Net File Upload - Domestic - Set up fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | $800 per project |
Account type | HSBC Net File Upload - Regional - Set up fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | $1500 per project |
Account type | HSBC Net File Upload - International - Set up fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | $3500 per project |
Account type | HSBC Net File Upload - Domestic - Monthly fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | $250 per profile |
Account type | HSBC Net File Upload - Regional - Monthly fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | $250 per profile |
Account type | HSBC Net File Upload - International - Monthly fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | $550 per profile |
Account type | SWIFT FIN/Concentrator - Set up fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | $1500 per project |
Account type | SWIFT FIN/Concentrator - Monthly fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | $250 per BIC |
Account type | Payment File - Complex |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | $10 per file |
Account type | Payment File - Standard/High Value |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | $5 per file |
Account type | Payment File - Simple/Local |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | No Charge |
Account type | Personal | Advance | Premier | Seniors |
Small Business & Charities |
---|---|---|---|---|---|
Transfer to another of your own accounts with us via online banking | No charge | No charge | No charge | No charge | No charge |
Transfer to another of your own accounts with us in branch or over the phone | No charge | No charge | No charge | No charge | $75 per transaction |
Transfer to a third party account with us via online banking | No charge | No charge | No charge | No charge | N/A |
Transfer to a third party account with us in branch or over the phone | No charge | No charge | No charge | No charge | N/A |
E-Payment to account at another Bermuda bank via online banking | No charge | No charge | No charge | No charge | N/A |
E-Payment to account at another Bermuda bank in branch or over the phone | $50 | $50 | $50 | $50 | $75 per transaction |
Wire Payment to account at another Bermuda bank via online banking | No charge | No charge | No charge | No charge | $7 per BMD transaction |
Wire Payment to account at another Bermuda bank in branch or over the phone | $50 per transaction | $50 per transaction | $50 per transaction | $50 per transaction | $75 per transaction |
Cashier's or Manager's cheque ordered via online banking | $10 per transaction | $10 per transaction | $10 per transaction | $10 per transaction | $25 per transaction |
Cashier's or Manager's cheque ordered in branch or over the phone | $75 per transaction | $75 per transaction | $75 per transaction | $15 per transaction | $100 per transaction |
Cashier's or Manager's cheque stop payment fee | N/A | N/A | N/A | N/A | N/A |
Bill payment via online banking | No charge | No charge | No charge | No charge | No charge |
Credit card payment via online banking | No charge | No charge | No charge | No charge | No charge |
Credit card payment in branch or over the phone | No charge | No charge | No charge | No charge | No charge |
Direct debit fee | N/A | N/A | N/A | N/A | N/A |
Incoming wire payment | No charge | No charge | No charge | No charge | No charge |
Foreign currency notes purchase or advance order. Rush purchase - via online banking3 | No charge | No charge | No charge | No charge | N/A |
Foreign currency notes purchase or advance order. Non-rush purchase - via online banking3 | No charge | No charge | No charge | No charge | N/A |
Foreign currency notes purchase or advance order. Non-rush, large purchase - via online banking3 | No charge | No charge | No charge | No charge | N/A |
Copy of cashier's or manager's cheque | N/A | N/A | N/A | N/A | N/A |
ACH Direct Credits | N/A | N/A | N/A | N/A | $0.25 per item |
ACH Credit Payment Trace | N/A | N/A | N/A | N/A | $5 per item |
ACH Credit Payment Reversal | N/A | N/A | N/A | N/A | $15 per item |
ACH Debit | N/A | N/A | N/A | N/A | $0.25 per item |
ACH Debit Payment Trace | N/A | N/A | N/A | N/A | $5 per item |
ACH Debit Payment Reversal | N/A | N/A | N/A | N/A | $15 per item |
Account type | Transfer to another of your own accounts with us via online banking |
---|---|
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type | Transfer to another of your own accounts with us in branch or over the phone |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | $75 per transaction |
Account type | Transfer to a third party account with us via online banking |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | N/A |
Account type | Transfer to a third party account with us in branch or over the phone |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | N/A |
Account type | E-Payment to account at another Bermuda bank via online banking |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | N/A |
Account type | E-Payment to account at another Bermuda bank in branch or over the phone |
Personal | $50 |
Advance | $50 |
Premier | $50 |
Seniors |
$50 |
Small Business & Charities | $75 per transaction |
Account type | Wire Payment to account at another Bermuda bank via online banking |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | $7 per BMD transaction |
Account type | Wire Payment to account at another Bermuda bank in branch or over the phone |
Personal | $50 per transaction |
Advance | $50 per transaction |
Premier | $50 per transaction |
Seniors |
$50 per transaction |
Small Business & Charities | $75 per transaction |
Account type | Cashier's or Manager's cheque ordered via online banking |
Personal | $10 per transaction |
Advance | $10 per transaction |
Premier | $10 per transaction |
Seniors |
$10 per transaction |
Small Business & Charities | $25 per transaction |
Account type | Cashier's or Manager's cheque ordered in branch or over the phone |
Personal | $75 per transaction |
Advance | $75 per transaction |
Premier | $75 per transaction |
Seniors |
$15 per transaction |
Small Business & Charities | $100 per transaction |
Account type | Cashier's or Manager's cheque stop payment fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Account type | Bill payment via online banking |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type | Credit card payment via online banking |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type | Credit card payment in branch or over the phone |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type | Direct debit fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Account type | Incoming wire payment |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type | Foreign currency notes purchase or advance order. Rush purchase - via online banking3 |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | N/A |
Account type | Foreign currency notes purchase or advance order. Non-rush purchase - via online banking3 |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | N/A |
Account type | Foreign currency notes purchase or advance order. Non-rush, large purchase - via online banking3 |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | N/A |
Account type | Copy of cashier's or manager's cheque |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Account type | ACH Direct Credits |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | $0.25 per item |
Account type | ACH Credit Payment Trace |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | $5 per item |
Account type | ACH Credit Payment Reversal |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | $15 per item |
Account type | ACH Debit |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | $0.25 per item |
Account type | ACH Debit Payment Trace |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | $5 per item |
Account type | ACH Debit Payment Reversal |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | $15 per item |
Account type | Personal | Advance | Premier | Seniors |
Small Business & Charities |
---|---|---|---|---|---|
Drafts ordered via online banking | $15 per draft | $15 per draft | $15 per draft | $15 per draft | $25 per draft |
Drafts ordered in branch or over the phone | $80 per draft | $80 per draft | $80 per draft | $20 per draft | $100 per draft |
Drafts stop payment fees | $20 per draft | $20 per draft | $20 per draft | $20 per draft | $20 per draft |
Outgoing wire payments via online banking | $15 per wire | $15 per wire | $15 per wire | $12.50 per wire | $25 per wire |
Outgoing wire payments requested in branch or over the phone | $125 per wire | $125 per wire | $125 per wire | $40 per wire | $150 per wire |
Outgoing wire payment for same day turnaround (funds coming in and going out in same day) | N/A | N/A | N/A | N/A | N/A |
Outgoing global transfer fee (transfer to own account at overseas sister office) | N/A | $7 per wire | No charge | Determined by Advance or Premier status | N/A |
Incoming wire fee | $6 per wire | $6 per wire | $6 per wire | $6 per wire | $6 per wire |
Non Receipt / Amendment / Cancellation of Remitted Payment(s) | N/A | N/A | N/A | N/A | N/A |
Copy of draft | N/A | N/A | N/A | N/A | N/A |
Account type | Drafts ordered via online banking |
---|---|
Personal | $15 per draft |
Advance | $15 per draft |
Premier | $15 per draft |
Seniors |
$15 per draft |
Small Business & Charities | $25 per draft |
Account type | Drafts ordered in branch or over the phone |
Personal | $80 per draft |
Advance | $80 per draft |
Premier | $80 per draft |
Seniors |
$20 per draft |
Small Business & Charities | $100 per draft |
Account type | Drafts stop payment fees |
Personal | $20 per draft |
Advance | $20 per draft |
Premier | $20 per draft |
Seniors |
$20 per draft |
Small Business & Charities | $20 per draft |
Account type | Outgoing wire payments via online banking |
Personal | $15 per wire |
Advance | $15 per wire |
Premier | $15 per wire |
Seniors |
$12.50 per wire |
Small Business & Charities | $25 per wire |
Account type | Outgoing wire payments requested in branch or over the phone |
Personal | $125 per wire |
Advance | $125 per wire |
Premier | $125 per wire |
Seniors |
$40 per wire |
Small Business & Charities | $150 per wire |
Account type | Outgoing wire payment for same day turnaround (funds coming in and going out in same day) |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Account type | Outgoing global transfer fee (transfer to own account at overseas sister office) |
Personal | N/A |
Advance | $7 per wire |
Premier | No charge |
Seniors |
Determined by Advance or Premier status |
Small Business & Charities | N/A |
Account type | Incoming wire fee |
Personal | $6 per wire |
Advance | $6 per wire |
Premier | $6 per wire |
Seniors |
$6 per wire |
Small Business & Charities | $6 per wire |
Account type | Non Receipt / Amendment / Cancellation of Remitted Payment(s) |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Account type | Copy of draft |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Account type | Personal | Advance | Premier | Seniors |
Small Business & Charities |
---|---|---|---|---|---|
Foreign cheques purchased | 0.3% or $20 per item | 0.3% or $20 per item | 0.3% or $20 per item | 0.3% or $20 per item | 0.5% or minimum of $50 per item |
Foreign cheques sent for collection | $20 per cheque | $20 per cheque | $20 per cheque | $20 per cheque | 0.5% or minimum of $50 per item |
Account type | Foreign cheques purchased |
---|---|
Personal | 0.3% or $20 per item |
Advance | 0.3% or $20 per item |
Premier | 0.3% or $20 per item |
Seniors |
0.3% or $20 per item |
Small Business & Charities | 0.5% or minimum of $50 per item |
Account type | Foreign cheques sent for collection |
Personal | $20 per cheque |
Advance | $20 per cheque |
Premier | $20 per cheque |
Seniors |
$20 per cheque |
Small Business & Charities | 0.5% or minimum of $50 per item |
Account type | Personal | Advance | Premier | Seniors |
Small Business & Charities |
---|---|---|---|---|---|
Set up standing order via online banking | No charge | No charge | No charge | No charge | $5 per standing order |
Set up standing order in branch or over the phone | $7 per standing order | $7 per standing order | $7 per standing order | $7 per standing order | $5 per standing order |
Amend standing order via online banking | No charge | No charge | No charge | No charge | $5 per standing order |
Amend standing order in branch or over the phone | $7 per standing order | $7 per standing order | $7 per standing order | $7 per standing order | $5 per standing order |
Standing order: Local transfer to account with us | No charge | No charge | No charge | No charge | No charge |
Standing order: E-payment to account with another Bermuda bank | $2.50 per transaction | $2.50 per transaction | $2.50 per transaction | $2.50 per transaction | N/A |
Standing order: Wire payment | $35 per transaction | $35 per transaction | $35 per transaction | $35 per transaction | $5 plus transactional fee of $25 per transaction |
Credit card: automatic payments | No charge | No charge | No charge | No charge | No charge |
Standing order: Local mail payments | $13 per payment | $13 per payment | $13 per payment | $13 per payment | N/A |
Standing order: Foreign mail payments | $16 per payment | $16 per payment | $16 per payment | $16 per payment | N/A |
Warning advice or insufficient funds fee | $5 per attempt | $5 per attempt | $5 per attempt | $5 per attempt | $5 per attempt |
Failure advice | N/A | N/A | N/A | N/A | N/A |
Account type | Set up standing order via online banking |
---|---|
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | $5 per standing order |
Account type | Set up standing order in branch or over the phone |
Personal | $7 per standing order |
Advance | $7 per standing order |
Premier | $7 per standing order |
Seniors |
$7 per standing order |
Small Business & Charities | $5 per standing order |
Account type | Amend standing order via online banking |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | $5 per standing order |
Account type | Amend standing order in branch or over the phone |
Personal | $7 per standing order |
Advance | $7 per standing order |
Premier | $7 per standing order |
Seniors |
$7 per standing order |
Small Business & Charities | $5 per standing order |
Account type | Standing order: Local transfer to account with us |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type | Standing order: E-payment to account with another Bermuda bank |
Personal | $2.50 per transaction |
Advance | $2.50 per transaction |
Premier | $2.50 per transaction |
Seniors |
$2.50 per transaction |
Small Business & Charities | N/A |
Account type | Standing order: Wire payment |
Personal | $35 per transaction |
Advance | $35 per transaction |
Premier | $35 per transaction |
Seniors |
$35 per transaction |
Small Business & Charities | $5 plus transactional fee of $25 per transaction |
Account type | Credit card: automatic payments |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type | Standing order: Local mail payments |
Personal | $13 per payment |
Advance | $13 per payment |
Premier | $13 per payment |
Seniors |
$13 per payment |
Small Business & Charities | N/A |
Account type | Standing order: Foreign mail payments |
Personal | $16 per payment |
Advance | $16 per payment |
Premier | $16 per payment |
Seniors |
$16 per payment |
Small Business & Charities | N/A |
Account type | Warning advice or insufficient funds fee |
Personal | $5 per attempt |
Advance | $5 per attempt |
Premier | $5 per attempt |
Seniors |
$5 per attempt |
Small Business & Charities | $5 per attempt |
Account type | Failure advice |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Fees for Investments
Account type | Personal | Advance | Premier | Seniors |
---|---|---|---|---|
Custody and safekeeping local shares |
$25 per quarter for local shares |
$25 per quarter for local shares |
$25 per quarter for local shares |
$25 per quarter for local shares |
Execution fees local trading up to $50k |
1.25% of trade (min $75) | 1.25% of trade (min $75) | 1.25% of trade (min $75) | 1.25% of trade (min $75) |
Execution fees local trading over $50k | 1.00% of trade |
1.00% of trade |
1.00% of trade |
1.00% 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 (min $1.25) |
0.125% on each transaction (min $1.25) |
0.125% on each transaction (min $1.25) |
0.125% on each transaction (min $1.25) |
Account type |
Custody and safekeeping local shares |
---|---|
Personal |
$25 per quarter for local shares |
Advance |
$25 per quarter for local shares |
Premier |
$25 per quarter for local shares |
Seniors |
$25 per quarter for local shares |
Account type |
Execution fees local trading up to $50k |
Personal | 1.25% of trade (min $75) |
Advance | 1.25% of trade (min $75) |
Premier | 1.25% of trade (min $75) |
Seniors | 1.25% of trade (min $75) |
Account type | Execution fees local trading over $50k |
Personal |
1.00% of trade |
Advance |
1.00% of trade |
Premier |
1.00% of trade |
Seniors | 1.00% of trade |
Account type | Handling fee |
Personal |
$25.00 per trade |
Advance |
$25.00 per trade |
Premier |
$25.00 per trade |
Seniors |
$25.00 per trade |
Account type |
BSX fee |
Personal |
0.125% on each transaction (min $1.25) |
Advance |
0.125% on each transaction (min $1.25) |
Premier |
0.125% on each transaction (min $1.25) |
Seniors |
0.125% on each transaction (min $1.25) |
Credit card fees
Account type | Personal | Advance | Premier | Seniors4 |
---|---|---|---|---|
Minimum line of credit | N/A | N/A | $500 | $500 |
Maximum line of credit | N/A | N/A | Negotiable | Negotiable |
Annual fee | N/A | N/A | No charge | No charge |
Annual interest rate | N/A | N/A | 20.95% | 20.95% |
Supplementary credit card fee | N/A | N/A | $30 per card | $30 per card |
Minimum payment amount | N/A | N/A | 5% | 5% |
Account type | Minimum line of credit |
---|---|
Personal | N/A |
Advance | N/A |
Premier | $500 |
Seniors4 |
$500 |
Account type | Maximum line of credit |
Personal | N/A |
Advance | N/A |
Premier | Negotiable |
Seniors4 |
Negotiable |
Account type | Annual fee |
Personal | N/A |
Advance | N/A |
Premier | No charge |
Seniors4 |
No charge |
Account type | Annual interest rate |
Personal | N/A |
Advance | N/A |
Premier | 20.95% |
Seniors4 |
20.95% |
Account type | Supplementary credit card fee |
Personal | N/A |
Advance | N/A |
Premier | $30 per card |
Seniors4 |
$30 per card |
Account type | Minimum payment amount |
Personal | N/A |
Advance | N/A |
Premier | 5% |
Seniors4 |
5% |
Account type | Personal | Advance | Premier | Seniors |
---|---|---|---|---|
Minimum line of credit | $500 | $500 | N/A | $500 |
Maximum line of credit | $30,000 | $30,000 |
N/A |
$30,000 |
Annual fee | $60 | $60 | N/A | $60 |
Annual interest rate | 20.95% |
20.95% |
N/A | 20.95% |
Supplementary credit card fee | $30 per card | $30 per card | N/A |
$30 per card |
Minimum payment amount | 5% | 5% | N/A |
5% |
Account type | Minimum line of credit |
---|---|
Personal | $500 |
Advance | $500 |
Premier | N/A |
Seniors |
$500 |
Account type | Maximum line of credit |
Personal | $30,000 |
Advance |
$30,000 |
Premier |
N/A |
Seniors |
$30,000 |
Account type | Annual fee |
Personal | $60 |
Advance | $60 |
Premier | N/A |
Seniors |
$60 |
Account type | Annual interest rate |
Personal |
20.95% |
Advance |
20.95% |
Premier | N/A |
Seniors |
20.95% |
Account type | Supplementary credit card fee |
Personal | $30 per card |
Advance | $30 per card |
Premier |
N/A |
Seniors |
$30 per card |
Account type | Minimum payment amount |
Personal | 5% |
Advance | 5% |
Premier |
N/A |
Seniors |
5% |
Account type | Personal | Advance | Premier | Seniors4 |
---|---|---|---|---|
Minimum line of credit | N/A | N/A | $20,000 | $20,000 |
Maximum line of credit | N/A | N/A | Negotiable | Negotiable |
Annual fee | N/A | N/A | $350 per annum
Fee waived as long as you maintain $1Million, or foreign currency equivalent, in deposits or investments with HSBC Bermuda or if you spend $100K annually. |
$350 per annum
Fee waived as long as you maintain $1Million, or foreign currency equivalent, in deposits or investments with HSBC Bermuda or if you spend $100K annually. |
Annual interest rate | N/A | N/A | 20.95% | 20.95% |
Supplementary credit card fee | N/A | N/A | $175 per card | $175 per card |
Minimum payment amount | N/A | N/A | 5% | 5% |
Account type | Minimum line of credit |
---|---|
Personal | N/A |
Advance | N/A |
Premier | $20,000 |
Seniors4 |
$20,000 |
Account type | Maximum line of credit |
Personal | N/A |
Advance | N/A |
Premier | Negotiable |
Seniors4 |
Negotiable |
Account type | Annual fee |
Personal | N/A |
Advance | N/A |
Premier |
$350 per annum
Fee waived as long as you maintain $1Million, or foreign currency equivalent, in deposits or investments with HSBC Bermuda or if you spend $100K annually. |
Seniors4 |
$350 per annum
Fee waived as long as you maintain $1Million, or foreign currency equivalent, in deposits or investments with HSBC Bermuda or if you spend $100K annually. |
Account type | Annual interest rate |
Personal | N/A |
Advance | N/A |
Premier | 20.95% |
Seniors4 |
20.95% |
Account type | Supplementary credit card fee |
Personal | N/A |
Advance | N/A |
Premier | $175 per card |
Seniors4 |
$175 per card |
Account type | Minimum payment amount |
Personal | N/A |
Advance | N/A |
Premier | 5% |
Seniors4 |
5% |
Account type | Personal | Advance | Premier | Seniors4 |
---|---|---|---|---|
Minimum line of credit | N/A | N/A | $500 | $500 |
Maximum line of credit | N/A | N/A | Negotiable | Negotiable |
Annual fee | N/A | N/A | No charge | No charge |
Annual interest rate | N/A | N/A | 20.95% | 20.95% |
Supplementary credit card fee | N/A | N/A | $30 per card | $30 per card |
Minimum payment amount | N/A | N/A | 5% | 5% |
Account type | Minimum line of credit |
---|---|
Personal | N/A |
Advance | N/A |
Premier | $500 |
Seniors4 |
$500 |
Account type | Maximum line of credit |
Personal | N/A |
Advance | N/A |
Premier | Negotiable |
Seniors4 |
Negotiable |
Account type | Annual fee |
Personal | N/A |
Advance | N/A |
Premier | No charge |
Seniors4 |
No charge |
Account type | Annual interest rate |
Personal | N/A |
Advance | N/A |
Premier | 20.95% |
Seniors4 |
20.95% |
Account type | Supplementary credit card fee |
Personal | N/A |
Advance | N/A |
Premier | $30 per card |
Seniors4 |
$30 per card |
Account type | Minimum payment amount |
Personal | N/A |
Advance | N/A |
Premier | 5% |
Seniors4 |
5% |
Account type | Personal | Advance | Premier | Seniors |
---|---|---|---|---|
Minimum line of credit | $500 | $500 |
$500 |
$500 |
Maximum line of credit | $30,000 |
$30,000 | $30,000 | $30,000 |
Annual fee | $85 | $85 | $85 | $85 |
Annual interest rate | 20.95% |
20.95% |
20.95% | 20.95% |
Supplementary credit card fee | $30 per card | $30 per card | $30 per card | $30 per card |
Minimum payment amount | 5% | 5% | 5% | 5% |
Account type | Minimum line of credit |
---|---|
Personal | $500 |
Advance |
$500 |
Premier |
$500 |
Seniors |
$500 |
Account type | Maximum line of credit |
Personal |
$30,000 |
Advance | $30,000 |
Premier | $30,000 |
Seniors |
$30,000 |
Account type | Annual fee |
Personal | $85 |
Advance | $85 |
Premier | $85 |
Seniors |
$85 |
Account type | Annual interest rate |
Personal |
20.95% |
Advance |
20.95% |
Premier | 20.95% |
Seniors |
20.95% |
Account type | Supplementary credit card fee |
Personal | $30 per card |
Advance | $30 per card |
Premier | $30 per card |
Seniors |
$30 per card |
Account type | Minimum payment amount |
Personal | 5% |
Advance | 5% |
Premier | 5% |
Seniors |
5% |
Account type | Personal | Advance | Premier | Seniors5 |
---|---|---|---|---|
Minimum line of credit | N/A | $500 | N/A | $500 |
Maximum line of credit | N/A | Negotiable | N/A | Negotiable |
Annual fee | N/A | $75 | N/A | $75 |
Annual interest rate | N/A | 20.95% | N/A | 20.95% |
Supplementary credit card fee | N/A | $30 per card | N/A | $30 per card |
Minimum payment amount | N/A | 5% | N/A | 5% |
Account type | Minimum line of credit |
---|---|
Personal | N/A |
Advance | $500 |
Premier | N/A |
Seniors5 |
$500 |
Account type | Maximum line of credit |
Personal | N/A |
Advance | Negotiable |
Premier | N/A |
Seniors5 |
Negotiable |
Account type | Annual fee |
Personal | N/A |
Advance | $75 |
Premier | N/A |
Seniors5 |
$75 |
Account type | Annual interest rate |
Personal | N/A |
Advance | 20.95% |
Premier | N/A |
Seniors5 |
20.95% |
Account type | Supplementary credit card fee |
Personal | N/A |
Advance | $30 per card |
Premier | N/A |
Seniors5 |
$30 per card |
Account type | Minimum payment amount |
Personal | N/A |
Advance | 5% |
Premier | N/A |
Seniors5 |
5% |
Account type | Personal | Advance | Premier | Seniors |
---|---|---|---|---|
Minimum line of credit | $5,000 | $5,000 | $5,000 | $5,000 |
Maximum line of credit | $50,000 | $50,000 | $50,000 | $50,000 |
Annual fee | $100 | $100 | $100 | $100 |
Annual interest rate | 20.95% | 20.95% | 20.95% | 20.95% |
Supplementary credit card fee | $30 per card | $30 per card | $30 per card | $30 per card |
Minimum payment amount | 5% | 5% | 5% | 5% |
Account type | Minimum line of credit |
---|---|
Personal | $5,000 |
Advance | $5,000 |
Premier | $5,000 |
Seniors |
$5,000 |
Account type | Maximum line of credit |
Personal | $50,000 |
Advance | $50,000 |
Premier | $50,000 |
Seniors |
$50,000 |
Account type | Annual fee |
Personal | $100 |
Advance | $100 |
Premier | $100 |
Seniors |
$100 |
Account type | Annual interest rate |
Personal | 20.95% |
Advance | 20.95% |
Premier | 20.95% |
Seniors |
20.95% |
Account type | Supplementary credit card fee |
Personal | $30 per card |
Advance | $30 per card |
Premier | $30 per card |
Seniors |
$30 per card |
Account type | Minimum payment amount |
Personal | 5% |
Advance | 5% |
Premier | 5% |
Seniors |
5% |
Account type | Small Business & Charities |
---|---|
Minimum line of credit | $5,000 |
Maximum line of credit | Negotiable |
Annual fee | $60 |
Annual interest rate | 18% |
Supplementary credit card fee | No Charge |
Minimum payment amount | % based on limit and card usage |
Account type | Minimum line of credit |
---|---|
Small Business & Charities |
$5,000 |
Account type | Maximum line of credit |
Small Business & Charities |
Negotiable |
Account type | Annual fee |
Small Business & Charities |
$60 |
Account type | Annual interest rate |
Small Business & Charities |
18% |
Account type | Supplementary credit card fee |
Small Business & Charities |
No Charge |
Account type | Minimum payment amount |
Small Business & Charities |
% based on limit and card usage |
Account type | Personal | Advance | Premier | Seniors |
Small Business & Charities |
---|---|---|---|---|---|
Credit card cash advance fee | 2.5% (minimum $2.50) |
2.5% (minimum $2.50) |
2.5% (minimum $2.50) |
2.5% (minimum $2.50) |
2.5% (minimum $2.50) |
Credit card US cross border or international transaction fee | 0.6% | 0.6% | 0.6% | 0.6% | 0.6% |
Credit card foreign currency conversion fee6 | 2% Applied at the prevailing exchange rate |
2% Applied at the prevailing exchange rate |
2% Applied at the prevailing exchange rate |
2% Applied at the prevailing exchange rate |
2% Applied at the prevailing exchange rate |
Credit card overlimit fee | $40 per transaction or per month | $40 per transaction or per month | $40 per transaction or per month | $40 per transaction or per month | $35 per transaction or per month |
Credit card late payment fee | $50 per transaction or per month | $50 per transaction or per month | $50 per transaction or per month | $50 per transaction or per month | $35 per transaction or per month |
Non-sufficient funds (NSF) handling fee | N/A | N/A | N/A | N/A | N/A |
Penalty interest rate for accounts delinquent for 60 days or more | No charge | No charge | No charge | No charge | No charge |
Account type | Credit card cash advance fee |
---|---|
Personal |
2.5% (minimum $2.50) |
Advance |
2.5% (minimum $2.50) |
Premier |
2.5% (minimum $2.50) |
Seniors |
2.5% (minimum $2.50) |
Small Business & Charities |
2.5% (minimum $2.50) |
Account type | Credit card US cross border or international transaction fee |
Personal | 0.6% |
Advance | 0.6% |
Premier | 0.6% |
Seniors |
0.6% |
Small Business & Charities | 0.6% |
Account type | Credit card foreign currency conversion fee6 |
Personal |
2% Applied at the prevailing exchange rate |
Advance |
2% Applied at the prevailing exchange rate |
Premier |
2% Applied at the prevailing exchange rate |
Seniors |
2% Applied at the prevailing exchange rate |
Small Business & Charities |
2% Applied at the prevailing exchange rate |
Account type | Credit card overlimit fee |
Personal | $40 per transaction or per month |
Advance | $40 per transaction or per month |
Premier | $40 per transaction or per month |
Seniors |
$40 per transaction or per month |
Small Business & Charities | $35 per transaction or per month |
Account type | Credit card late payment fee |
Personal | $50 per transaction or per month |
Advance | $50 per transaction or per month |
Premier | $50 per transaction or per month |
Seniors |
$50 per transaction or per month |
Small Business & Charities | $35 per transaction or per month |
Account type | Non-sufficient funds (NSF) handling fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Account type | Penalty interest rate for accounts delinquent for 60 days or more |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type | Personal | Advance | Premier | Seniors |
Small Business & Charities |
---|---|---|---|---|---|
Credit card issuance rush fee | $35 per card | $35 per card | $35 per card | $35 per card | $35 per card |
Credit card replacement card fee | No charge | No charge | No charge | No charge | No charge |
Credit card replacement rush fee | No charge | No charge | No charge | No charge | No charge |
Credit card rush PIN mailer | N/A | N/A | N/A | N/A | N/A |
Credit card credit limit increase | No charge | No charge | No charge | No charge | No charge |
Credit card temporary credit limit increase | No charge | No charge | No charge | No charge | No charge |
Lost or stolen credit card fraud deductible | $100 per card | $100 per card | $100 per card | $100 per card | No charge |
Copy of credit card sales slip fee | $15 per sales slip | $15 per sales slip | $15 per sales slip | $15 per sales slip | $15 per sales slip |
Credit card disputed transaction fee | N/A | N/A | N/A | N/A | N/A |
Statement reprints fee | $10 per statement | $10 per statement | $10 per statement | $10 per statement | $10 per statement |
Research fee | $50 per hour or part thereof | $50 per hour or part thereof | $50 per hour or part thereof | $50 per hour or part thereof | $50 per hour or part thereof |
Account type | Credit card issuance rush fee |
---|---|
Personal | $35 per card |
Advance | $35 per card |
Premier | $35 per card |
Seniors |
$35 per card |
Small Business & Charities | $35 per card |
Account type | Credit card replacement card fee |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type | Credit card replacement rush fee |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type | Credit card rush PIN mailer |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Account type | Credit card credit limit increase |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type | Credit card temporary credit limit increase |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type | Lost or stolen credit card fraud deductible |
Personal | $100 per card |
Advance | $100 per card |
Premier | $100 per card |
Seniors |
$100 per card |
Small Business & Charities | No charge |
Account type | Copy of credit card sales slip fee |
Personal | $15 per sales slip |
Advance | $15 per sales slip |
Premier | $15 per sales slip |
Seniors |
$15 per sales slip |
Small Business & Charities | $15 per sales slip |
Account type | Credit card disputed transaction fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities | N/A |
Account type | Statement reprints fee |
Personal | $10 per statement |
Advance | $10 per statement |
Premier | $10 per statement |
Seniors |
$10 per statement |
Small Business & Charities | $10 per statement |
Account type | Research fee |
Personal | $50 per hour or part thereof |
Advance | $50 per hour or part thereof |
Premier | $50 per hour or part thereof |
Seniors |
$50 per hour or part thereof |
Small Business & Charities | $50 per hour or part thereof |
Lending fees
Account type | Personal | Advance | Premier | Seniors |
Small Business & Charities7 |
---|---|---|---|---|---|
Interest rate | Refer to published rates | Refer to published rates | Refer to published rates | Dependent on proposition (Personal banking, Advance or Premier) | Dependent on credit risk rating |
Negotiation / Administration / Origination fee | 0.90% of principal | 0.90% of principal | 0.80% of principal | Dependent on proposition (Personal banking, Advance or Premier) | 1% of principal |
Negotiation / Administration / Origination fee for renegotiation | N/A | N/A | N/A | N/A | N/A |
Appraisal or valuation administration fee | N/A | N/A | N/A | N/A | N/A |
Inspection fee | N/A | N/A | N/A | N/A | N/A |
Early pay-off or principal reduction fee | 3 months of outstanding interest | 3 months of outstanding interest | 3 months of outstanding interest | 3 months of outstanding interest | No charge, subject to minimum prepayments of $2,000 |
Late payment fee | No charge | No charge | No charge | No charge | No charge |
Interest rate on delinquency | 1.5% above interest rate on facility | 1.5% above interest rate on facility | 1.5% above interest rate on facility | 1.5% above interest rate on facility | 3% above interest rate on facility |
Outstanding insurance premium | N/A | N/A | N/A | N/A | N/A |
Certified copy of deed of conveyance | $25 per copy | $25 per copy | $25 per copy | $25 per copy | $25 per copy |
Non-certified copy of deed of conveyance | $15 per copy | $15 per copy | $15 per copy | $15 per copy | $15 per copy |
Copy of deed site plan or schedule | $10 per copy | $10 per copy | $10 per copy | $10 per copy | $10 per copy |
Account type | Interest rate |
---|---|
Personal | Refer to published rates |
Advance | Refer to published rates |
Premier | Refer to published rates |
Seniors |
Dependent on proposition (Personal banking, Advance or Premier) |
Small Business & Charities7 | Dependent on credit risk rating |
Account type | Negotiation / Administration / Origination fee |
Personal | 0.90% of principal |
Advance | 0.90% of principal |
Premier | 0.80% of principal |
Seniors |
Dependent on proposition (Personal banking, Advance or Premier) |
Small Business & Charities7 | 1% of principal |
Account type | Negotiation / Administration / Origination fee for renegotiation |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities7 | N/A |
Account type | Appraisal or valuation administration fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities7 | N/A |
Account type | Inspection fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities7 | N/A |
Account type | Early pay-off or principal reduction fee |
Personal | 3 months of outstanding interest |
Advance | 3 months of outstanding interest |
Premier | 3 months of outstanding interest |
Seniors |
3 months of outstanding interest |
Small Business & Charities7 | No charge, subject to minimum prepayments of $2,000 |
Account type | Late payment fee |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities7 | No charge |
Account type | Interest rate on delinquency |
Personal | 1.5% above interest rate on facility |
Advance | 1.5% above interest rate on facility |
Premier | 1.5% above interest rate on facility |
Seniors |
1.5% above interest rate on facility |
Small Business & Charities7 | 3% above interest rate on facility |
Account type | Outstanding insurance premium |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Small Business & Charities7 | N/A |
Account type | Certified copy of deed of conveyance |
Personal | $25 per copy |
Advance | $25 per copy |
Premier | $25 per copy |
Seniors |
$25 per copy |
Small Business & Charities7 | $25 per copy |
Account type | Non-certified copy of deed of conveyance |
Personal | $15 per copy |
Advance | $15 per copy |
Premier | $15 per copy |
Seniors |
$15 per copy |
Small Business & Charities7 | $15 per copy |
Account type | Copy of deed site plan or schedule |
Personal | $10 per copy |
Advance | $10 per copy |
Premier | $10 per copy |
Seniors |
$10 per copy |
Small Business & Charities7 | $10 per copy |
Account type | Personal | Advance | Premier | Seniors |
---|---|---|---|---|
Interest rate | Refer to published rates | Refer to published rates | Refer to published rates | Dependent on proposition (Personal banking, Advance or Premier) |
Negotiation / Administration / Origination fee | 1% of principal | 0.90% of principal | 0.80% of principal | Dependent on proposition (Personal banking, Advance or Premier) |
Appraisal or valuation administration fee | N/A | N/A | N/A | N/A |
Inspection fee | N/A | N/A | N/A | N/A |
Early pay off-off or principal reduction fee | 3 months of outstanding interest | 3 months of outstanding interest | 3 months of outstanding interest | 3 months of outstanding interest |
Late payment fee | No charge | No charge | No charge | No charge |
Outstanding insurance premium | N/A | N/A | N/A | N/A |
Certified copy of deed of conveyance | $25 per copy | $25 per copy | $25 per copy | $25 per copy |
Non-certified copy of deed of conveyance | $15 per copy | $15 per copy | $15 per copy | $15 per copy |
Copy of deed site plan or schedule | $10 per copy | $10 per copy | $10 per copy | $10 per copy |
Account type | Interest rate |
---|---|
Personal | Refer to published rates |
Advance | Refer to published rates |
Premier | Refer to published rates |
Seniors |
Dependent on proposition (Personal banking, Advance or Premier) |
Account type | Negotiation / Administration / Origination fee |
Personal | 1% of principal |
Advance | 0.90% of principal |
Premier | 0.80% of principal |
Seniors |
Dependent on proposition (Personal banking, Advance or Premier) |
Account type | Appraisal or valuation administration fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Account type | Inspection fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Account type | Early pay off-off or principal reduction fee |
Personal | 3 months of outstanding interest |
Advance | 3 months of outstanding interest |
Premier | 3 months of outstanding interest |
Seniors |
3 months of outstanding interest |
Account type | Late payment fee |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Account type | Outstanding insurance premium |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Account type | Certified copy of deed of conveyance |
Personal | $25 per copy |
Advance | $25 per copy |
Premier | $25 per copy |
Seniors |
$25 per copy |
Account type | Non-certified copy of deed of conveyance |
Personal | $15 per copy |
Advance | $15 per copy |
Premier | $15 per copy |
Seniors |
$15 per copy |
Account type | Copy of deed site plan or schedule |
Personal | $10 per copy |
Advance | $10 per copy |
Premier | $10 per copy |
Seniors |
$10 per copy |
Account type | Personal | Advance | Premier | Seniors |
---|---|---|---|---|
Interest rate | Refer to published rates | Refer to published rates | Refer to published rates | Dependent on proposition (Personal banking, Advance or Premier) |
Negotiation / Administration / Origination fee | 1% of principal | 0.90% of principal | 0.80% of principal | Dependent on proposition (Personal banking, Advance or Premier) |
Appraisal or valuation administration fee | N/A | N/A | N/A | N/A |
Inspection fee | N/A | N/A | N/A | N/A |
Early pay off-off or principal reduction fee | 3 months of outstanding interest | 3 months of outstanding interest | 3 months of outstanding interest | 3 months of outstanding interest |
Late payment fee | N/A | N/A | N/A | N/A |
Outstanding insurance premium | N/A | N/A | N/A | N/A |
Certified copy of deed of conveyance | $25 per copy | $25 per copy | $25 per copy | $25 per copy |
Non-certified copy of deed of conveyance | $15 per copy | $15 per copy | $15 per copy | $15 per copy |
Copy of deed site plan or schedule | $10 per copy | $10 per copy | $10 per copy | $10 per copy |
Account type | Interest rate |
---|---|
Personal | Refer to published rates |
Advance | Refer to published rates |
Premier | Refer to published rates |
Seniors |
Dependent on proposition (Personal banking, Advance or Premier) |
Account type | Negotiation / Administration / Origination fee |
Personal | 1% of principal |
Advance | 0.90% of principal |
Premier | 0.80% of principal |
Seniors |
Dependent on proposition (Personal banking, Advance or Premier) |
Account type | Appraisal or valuation administration fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Account type | Inspection fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Account type | Early pay off-off or principal reduction fee |
Personal | 3 months of outstanding interest |
Advance | 3 months of outstanding interest |
Premier | 3 months of outstanding interest |
Seniors |
3 months of outstanding interest |
Account type | Late payment fee |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Account type | Outstanding insurance premium |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Account type | Certified copy of deed of conveyance |
Personal | $25 per copy |
Advance | $25 per copy |
Premier | $25 per copy |
Seniors |
$25 per copy |
Account type | Non-certified copy of deed of conveyance |
Personal | $15 per copy |
Advance | $15 per copy |
Premier | $15 per copy |
Seniors |
$15 per copy |
Account type | Copy of deed site plan or schedule |
Personal | $10 per copy |
Advance | $10 per copy |
Premier | $10 per copy |
Seniors |
$10 per copy |
Account type | Personal | Advance | Premier | Seniors |
---|---|---|---|---|
Interest rate | Refer to published rates | Refer to published rates | Refer to published rates | Dependent on proposition (Personal banking, Advance or Premier) |
Maximum term | 5 years | 5 years | 5 years | 5 years |
Negotiation / Administration / Origination fee | 1% of principal Minimum $200 |
0.90% of principal Minimum $200 |
0.8% of principal Minimum $200 |
Dependent on proposition (Personal banking, Advance or Premier) |
Late payment fee | 0 | 0 | 0 | 0 |
Interest rate on delinquency | 2% above interest rate on facility | 2% above interest rate on facility | 2% above interest rate on facility | 2% above interest rate on facility |
Account type | Interest rate |
---|---|
Personal | Refer to published rates |
Advance | Refer to published rates |
Premier | Refer to published rates |
Seniors |
Dependent on proposition (Personal banking, Advance or Premier) |
Account type | Maximum term |
Personal | 5 years |
Advance | 5 years |
Premier | 5 years |
Seniors |
5 years |
Account type | Negotiation / Administration / Origination fee |
Personal |
1% of principal Minimum $200 |
Advance |
0.90% of principal Minimum $200 |
Premier |
0.8% of principal Minimum $200 |
Seniors |
Dependent on proposition (Personal banking, Advance or Premier) |
Account type | Late payment fee |
Personal | 0 |
Advance | 0 |
Premier | 0 |
Seniors |
0 |
Account type | Interest rate on delinquency |
Personal | 2% above interest rate on facility |
Advance | 2% above interest rate on facility |
Premier | 2% above interest rate on facility |
Seniors |
2% above interest rate on facility |
Account type | Personal | Advance | Premier | Seniors |
---|---|---|---|---|
Interest rate | Refer to published rates | Refer to published rates | Refer to published rates | Dependent on proposition (Personal banking, Advance or Premier) |
Maximum term | 5 years | 5 years | 5 years | 5 years |
Negotiation / Administration / Origination fee | 1% of principal Minimum $200 |
0.9% of principal Minimum $200 |
0.8% of principal Minimum $200 |
Dependent on proposition (Personal banking, Advance or Premier) |
Late payment fee | No charge | No charge | No charge | No charge |
Interest rate on delinquency | 2% above interest rate on facility | 2% above interest rate on facility | 2% above interest rate on facility | 2% above interest rate on facility |
Account type | Interest rate |
---|---|
Personal | Refer to published rates |
Advance | Refer to published rates |
Premier | Refer to published rates |
Seniors |
Dependent on proposition (Personal banking, Advance or Premier) |
Account type | Maximum term |
Personal | 5 years |
Advance | 5 years |
Premier | 5 years |
Seniors |
5 years |
Account type | Negotiation / Administration / Origination fee |
Personal |
1% of principal Minimum $200 |
Advance |
0.9% of principal Minimum $200 |
Premier |
0.8% of principal Minimum $200 |
Seniors |
Dependent on proposition (Personal banking, Advance or Premier) |
Account type | Late payment fee |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Account type | Interest rate on delinquency |
Personal | 2% above interest rate on facility |
Advance | 2% above interest rate on facility |
Premier | 2% above interest rate on facility |
Seniors |
2% above interest rate on facility |
Account type | Personal | Advance | Premier | Seniors |
---|---|---|---|---|
Interest rate | Refer to published rates | Refer to published rates | Refer to published rates | Dependent on proposition (Personal banking, Advance or Premier) |
Maximum term | 7 years | 7 years | 7 years | 7 years |
Negotiation / Administration / Origination fee | 1% of principal Minimum $200 |
0.9% of principal Minimum $200 |
0.8% of principal Minimum $200 |
Dependent on proposition (Personal banking, Advance or Premier) |
Late payment fee | No charge | No charge | No charge | No charge |
Interest rate on delinquency | 2% above interest rate on facility | 2% above interest rate on facility | 2% above interest rate on facility | 2% above interest rate on facility |
Account type | Interest rate |
---|---|
Personal | Refer to published rates |
Advance | Refer to published rates |
Premier | Refer to published rates |
Seniors |
Dependent on proposition (Personal banking, Advance or Premier) |
Account type | Maximum term |
Personal | 7 years |
Advance | 7 years |
Premier | 7 years |
Seniors |
7 years |
Account type | Negotiation / Administration / Origination fee |
Personal |
1% of principal Minimum $200 |
Advance |
0.9% of principal Minimum $200 |
Premier |
0.8% of principal Minimum $200 |
Seniors |
Dependent on proposition (Personal banking, Advance or Premier) |
Account type | Late payment fee |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Account type | Interest rate on delinquency |
Personal | 2% above interest rate on facility |
Advance | 2% above interest rate on facility |
Premier | 2% above interest rate on facility |
Seniors |
2% above interest rate on facility |
Account type | Personal | Advance | Premier | Seniors |
---|---|---|---|---|
Interest rate | Refer to published rates | Refer to published rates | Refer to published rates | Dependent on proposition (Personal banking, Advance or Premier) |
Maximum term | 7 years | 7 years | 7 years | 7 years |
Negotiation / Administration / Origination fee | 1% of principal Minimum $200 |
0.9% of principal Minimum $200 |
0.8% of principal Minimum $200 |
Dependent on proposition (Personal banking, Advance or Premier) |
Late payment fee | No charge | No charge | No charge | No charge |
Interest rate on delinquency | 2% above interest rate on facility | 2% above interest rate on facility | 2% above interest rate on facility | 2% above interest rate on facility |
Account type | Interest rate |
---|---|
Personal | Refer to published rates |
Advance | Refer to published rates |
Premier | Refer to published rates |
Seniors |
Dependent on proposition (Personal banking, Advance or Premier) |
Account type | Maximum term |
Personal | 7 years |
Advance | 7 years |
Premier | 7 years |
Seniors |
7 years |
Account type | Negotiation / Administration / Origination fee |
Personal |
1% of principal Minimum $200 |
Advance |
0.9% of principal Minimum $200 |
Premier |
0.8% of principal Minimum $200 |
Seniors |
Dependent on proposition (Personal banking, Advance or Premier) |
Account type | Late payment fee |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Account type | Interest rate on delinquency |
Personal | 2% above interest rate on facility |
Advance | 2% above interest rate on facility |
Premier | 2% above interest rate on facility |
Seniors |
2% above interest rate on facility |
Account type | Personal | Advance | Premier | Seniors |
Small Business & Charities |
---|---|---|---|---|---|
Interest rate | Refer to published rates | Refer to published rates | Refer to published rates | Dependent on proposition (Personal banking, Advance or Premier) | Refer to published rates |
Maximum term | 7 years | 7 years | 7 years | 7 years | 5 years |
Negotiation / Administration / Origination fee | 1% of principal Minimum $200 |
0.9% of principal Minimum $200 |
0.8% of principal Minimum $200 |
Dependent on proposition (Personal banking, Advance or Premier) | 1% of principal |
Late payment fee | No charge | No charge | No charge | No charge | No charge |
Interest rate on delinquency | 2% above interest rate on facility | 2% above interest rate on facility | 2% above interest rate on facility | 2% above interest rate on facility | 3% above interest rate on facility |
Account type | Interest rate |
---|---|
Personal | Refer to published rates |
Advance | Refer to published rates |
Premier | Refer to published rates |
Seniors |
Dependent on proposition (Personal banking, Advance or Premier) |
Small Business & Charities | Refer to published rates |
Account type | Maximum term |
Personal | 7 years |
Advance | 7 years |
Premier | 7 years |
Seniors |
7 years |
Small Business & Charities | 5 years |
Account type | Negotiation / Administration / Origination fee |
Personal |
1% of principal Minimum $200 |
Advance |
0.9% of principal Minimum $200 |
Premier |
0.8% of principal Minimum $200 |
Seniors |
Dependent on proposition (Personal banking, Advance or Premier) |
Small Business & Charities | 1% of principal |
Account type | Late payment fee |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Small Business & Charities | No charge |
Account type | Interest rate on delinquency |
Personal | 2% above interest rate on facility |
Advance | 2% above interest rate on facility |
Premier | 2% above interest rate on facility |
Seniors |
2% above interest rate on facility |
Small Business & Charities | 3% above interest rate on facility |
Account type | Personal | Advance | Premier | Seniors |
---|---|---|---|---|
Interest rate | Refer to published rates | Refer to published rates | Refer to published rates | Dependent on proposition (Personal banking, Advance or Premier) |
Maximum term | N/A | N/A | N/A | N/A |
Negotiation / Administration / Origination fee | 1% of principal Minimum $200 |
0.9% of principal Minimum $200 |
0.8% of principal Minimum $200 |
Dependent on proposition (Personal banking, Advance or Premier) |
Late payment fee | No charge | No charge | No charge | No charge |
Interest rate on delinquency | 2% above interest rate on facility | 2% above interest rate on facility | 2% above interest rate on facility | 2% above interest rate on facility |
Account type | Interest rate |
---|---|
Personal | Refer to published rates |
Advance | Refer to published rates |
Premier | Refer to published rates |
Seniors |
Dependent on proposition (Personal banking, Advance or Premier) |
Account type | Maximum term |
Personal | N/A |
Advance | N/A |
Premier | N/A |
Seniors |
N/A |
Account type | Negotiation / Administration / Origination fee |
Personal |
1% of principal Minimum $200 |
Advance |
0.9% of principal Minimum $200 |
Premier |
0.8% of principal Minimum $200 |
Seniors |
Dependent on proposition (Personal banking, Advance or Premier) |
Account type | Late payment fee |
Personal | No charge |
Advance | No charge |
Premier | No charge |
Seniors |
No charge |
Account type | Interest rate on delinquency |
Personal | 2% above interest rate on facility |
Advance | 2% above interest rate on facility |
Premier | 2% above interest rate on facility |
Seniors |
2% above interest rate on facility |
Account type | Small Business & Charities |
---|---|
Interest Rate | Refer to published rates |
Maximum term | 5 years |
Negotiation / Administration / Origination fee | 1% - 2.5% of principal |
Late payment fee | N/A |
Interest rate on delinquency | 3% above interest rate on facility |
Account type | Interest Rate |
---|---|
Small Business & Charities | Refer to published rates |
Account type | Maximum term |
Small Business & Charities | 5 years |
Account type | Negotiation / Administration / Origination fee |
Small Business & Charities | 1% - 2.5% of principal |
Account type | Late payment fee |
Small Business & Charities | N/A |
Account type | Interest rate on delinquency |
Small Business & Charities | 3% above interest rate on facility |
1An Insured Depositor (section 2 of the Act) is either (a) an individual (b) an individual who places a deposit in an account with a Bermuda Bank or Credit Union in the name of a partnership, an unincorporated association or sole proprietorship or (c) a charitable organisation as defined in section 1 of the Charities Act 1978 which is registered under section 4 of that Act or (d) a company that is registered in the Register of Small businesses maintained by the Bermuda Economic Development Corporation under the Bermuda Economic Development Corporation Act 1980.
20.5% fee for USD amount in excess of $5000. All foreign currency purchased by a resident of Bermuda, for exchange control purposes, will be subject to the Bermuda Government's Foreign Currency Purchase Tax (FCPT) of 1.25%.
30.5% fee for USD amount in excess of $5000. All foreign currency purchased by a resident of Bermuda, for exchange control purposes, will be subject to the Bermuda Government's Foreign Currency Purchase Tax (FCPT) of 1.25% currency purchase tax (where applicable) at prevailing exchange rate.
If you are 65 years or older please visit our branch or call our Contact Centre on 441 299 5959 to register. You must be registered as a senior in order to receive seniors pricing.
4Senior must be an HSBC Premier client.
5Senior must be an HSBC Advance client.