Online wire transfers

1. Log on to online banking with a Security Code generated from your HSBC Digital Security Device or HSBC Physical Security Device.
2. Within the Useful links bar, click Wires.
3. On the Transfers, Wires, and Bill Pay page, select the HSBC checking or savings account from which you would like to transfer. In the To section, select the Wires/Real-Time Payments option.
4. If you have made a payment to the recipient before, select the appropriate payee from your existing payees and click Continue. If this is the first time you are making a payment to this recipient click New payee. When setting up a new wire payee, you will need to generate an additional code from your HSBC Security Device. Once you reach the Additional security step, generate the Transaction verification code.
5. Follow the on-screen instructions to enter your payee details, payment amount, and when you would like the payment to occur (future-dated or recurring).
6. Review and confirm your transfer details.

HSBC is connected to the Real-Time Payments (RTP®) network, which will allow you to send and receive real-time payments within the U.S. in seconds from your HSBC Bank USA, N.A. checking and/or savings accounts (at no charge).

For your payee to be eligible to receive a real-time transfer or payment, you must have previously processed a Bank to Bank Transfer or Domestic Wire Transfer to that payee, and their bank must participate in the RTP® network. Transactions are limited up to $2,500 per transaction, $5,000 daily (subject to change).

Check to see if your payee's bank participates in the RTP® network.

To make an international wire transfer you will need to know:

Incorrect or missing information may lead to delays to your wire transfer so it’s important to double-check that all the details are correct.

If the payment order for your transfer includes an incorrect account number or recipient institution identifier, you could lose the transfer amount.

For you to receive an international wire transfer, you'll need to let the sender know:

Incorrect or missing information may lead to delays to your international wire transfer so it’s important to double-check that all details are correct.

If the payment order for your transfer (domestic or international remittance) includes an incorrect account number or recipient institution identifier, you could lose the transfer amount.

You can make an international wire transfer in these currencies:

International wire transfers can be cancelled for a full refund within 30 minutes of payment, unless the funds have already been picked up or deposited. 

The exchange rate used is the HSBC exchange rate applicable at the time your wire transfer is processed. We offer the most up to date HSBC exchange rate available using our live rates for all wire transfers sent in foreign currency. That way, you can be certain of the exchange rate applied to your wire transfer and how much you’re sending. 

There are no fees for sending a wire transfer.

For wire transfers you receive (incoming transfers) non-HSBC financial institutions may impose a fee. HSBC is not responsible for these charges. Please check your account terms and charges for further charges.

If HSBC accidentally imposes a fee, it will be refunded.

Wire transfer requests submitted before 5:45 PM Eastern Time (ET) on a business day are processed the same day. Wire transfer requests to domestic banks and international banks can be completed online at any time, but those completed after 5:45 PM ET on business days will be automatically re-dated to the next business day. 

You can schedule wire transfers for the current date, a future date, or recurring date using up to the available balance in your checking or savings account. The exchange rate will be the HSBC exchange rate applicable at the time your wire transfer is processed. 

To track an international wire transfer, follow these steps.

In online banking:

In the mobile app:

You'll need the following details about the recipient:

• full name and address
• full name and address of receiving bank
• Bank Identifier Code (BIC) or bank routing number
• bank account number or IBAN (International Bank Account number)

If the payment order for your transfer (domestic or international remittance) includes an incorrect account number or recipient institution identifier, you could lose the transfer amount.

If you prefer to make a wire transfer in person at a Wealth Center, please bring:

• your photo ID
• the recipient’s full name and address
• the full name and address of the recipient’s bank
• the recipient’s Bank Identifier Code (BIC) or bank routing number
• the recipient’s bank account number or IBAN (International Bank Account number)

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