Rates & Fees For HSBC Products and Services

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.

Deposit Accounts and Payment Services

HSBC Chequing Account - Administration fees
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

HSBC Chequing Account - Administration fees
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

HSBC Bank Account - Administration fees
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

HSBC Bank Account - Administration fees
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

Cheque Processing fees
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

Cheque Processing fees
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

Bank and Chequing Accounts - Overdraft fees
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%

Bank and Chequing Accounts - Overdraft fees
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%

Savings Account - Administration fees
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

Savings Account - Administration fees
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

Savings Account - Overdraft fees
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

Savings Account - Overdraft fees
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

Fixed Deposit - Administration fees
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

Fixed Deposit - Administration fees
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 Services fees
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 Services fees
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

Foreign exchange fee
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

Foreign exchange fee
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

Teller service fees
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

Teller service fees
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".

Debit card and ATM banking fees
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

Debit card and ATM banking fees
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

Online banking administration fees
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

Online banking administration fees
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

Local payments and transfers
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

Local payments and transfers
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

Overseas payment fees
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

Overseas payment fees
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

Foreign cheque deposits
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

Foreign cheque deposits
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

Standing orders or instructions
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

Standing orders or instructions
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

Effective 1 December 2022
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)

Effective 1 December 2022
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

HSBC Premier BermudaCard
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%

HSBC Premier BermudaCard
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%

HSBC BermudaCard
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%

HSBC BermudaCard
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%

HSBC Premier Black Card
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%

HSBC Premier Black Card
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%

HSBC Premier Mastercard
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%

HSBC Premier Mastercard
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%

Visa Classic
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%

Visa Classic
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%

HSBC Advance Mastercard
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%

HSBC Advance Mastercard
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%

Visa Gold
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%

Visa Gold
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%

Visa Business
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

Visa Business
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

Credit card transactions
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

Credit card transactions
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

Credit card account services
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

Credit card account services
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

Residential mortgage 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

Residential mortgage fees
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

Home equity loan fees
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

Home equity loan fees
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

Construction loan fees
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

Construction loan fees
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

Unsecured personal loan fees
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

Unsecured personal loan fees
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

Secured personal loan fees
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

Secured personal loan fees
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

Secured education loan fees
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

Secured education loan fees
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

Unsecured education loan fees
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

Unsecured education loan fees
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

Energy Efficiency and Electric Vehicle loans fees
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

Energy Efficiency and Electric Vehicle loans fees
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

Personal line of credit
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

Personal line of credit
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

Commercial Loan
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

Commercial Loan
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.

⁶Applies to debit card transactions.

⁷Fees below are applicable to Commercial Mortgage product.

HSBC Bermuda bank fees

Table of contents:

Deposit Accounts and Payment Services

Fees for Investments

Credit card fees

Lending fees

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