Real Time Payments - HSBC Bank USA

Home
Personal Internet Banking
Real Time Payments

Send and receive funds in real time using the HSBC Mobile Banking App¹ or Personal Internet Banking

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 one of your payees 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. You can validate if their bank participates by checking here. Transactions are limited up to $2,500 per transaction, $5,000 daily (subject to change).

What you need to know

Real-time payments are available in the HSBC U.S. Mobile Banking App or Personal Internet Banking.
Your payee’s bank must participate in RTP and you must use an eligible routing number.
If you’ve done a bank to bank transfer or domestic wire transfer to a payee and their bank participates in RTP®, you’re all set. You’ll see your eligible real-time payees when you initiate a transfer in the mobile app or Personal Internet Banking.
You'll need to set up new payees in Personal Internet Banking first. After you've set up your payee, use the HSBC U.S. Mobile Banking App or Personal Internet Banking to send transfers or payments in seconds. If using Personal Internet Banking, you will need to log on using two-factor authentication, using an HSBC Security Device.
You’ll receive an instant confirmation that your payment was sent in your Messages inbox.

How to make a real-time payment

Set up a new payee in online banking

Log on to online banking
If the sending and receiving bank accounts are both in your name, and are at U.S. banks, follow these instructions for adding a payee. If you’re wiring money to company or person at a U.S. bank, follow these instructions for adding a payee.

Use the mobile app to make a real-time payments and transfers

After you set up your payee, use the HSBC Mobile Banking app to send transfers or payments in seconds.

Log on to the HSBC Mobile Banking App with Face ID® or Touch ID® for Apple, Fingerprint ID for Android^TM, or use your Digital Security Device PIN.
Select the 'Move Money' icon.
If your payee is eligible for a real-time transfer or payment, you’ll see their name when you initiate a transfer.

We're here to help.

Our Customer Service is always available by Web Chat. You can also connect by selecting ‘Chat Now’ in the HSBC Mobile Banking App.

Or call us at 800.975.4722. Representatives are available Monday - Sunday, 7am – 12am ET.

More information about RTP can be found in the Rules For Consumer Deposit Accounts.

How to transfer funds to an existing payee

With our Real-Time Payments (RTP®) System, you can transfer fundsto an existing payee in real-time using your HSBC checking or savings account.

Download Transcript This link will open in a new window

Use Personal Internet Banking to make a real-time payment/transfer

1. Log on to HSBC Personal Internet Banking

2. Within the Useful links bar, click Wires

3. On the Transfers, Wires, and Bill Pay page, select the HSBC checking or savings account you would like to transfer from.

4. In the Top section below, select the Wires/Real-Time Payments option.

5. A payee who is eligible to receive a real-time payment will automatically be listed as a payee under the ‘Move Money’ menu in the Mobile Banking App or on Personal Internet Banking, if your payee is eligible for a real-time payment or wire the option will available after selecting the payee. RTP transactions are limited up to $2,500 per transaction, or $5,000 daily.

We're here to help.

If you have any questions, chat with us 24 hours a day, 7 days a week on the HSBC Mobile Banking App1 or at www.us.hsbc.com/chatwithus. If you prefer, give us a call at 1.800.975.4722 Monday through Sunday 7am – 9pm ET. If you’re calling from outside the US or Canada, please call 1.716.841.7212.

More information about RTP® can be found in the Rules For Consumer Deposit Accounts.

Frequently Asked Questions

It is a payment sent through the RTP® network that provides real-time availability of money for the recipient.

Real-time payments are processed within seconds from your HSBC Bank USA, N.A. checking and/or savings accounts (at no charge) 24 hours a day, 7 days a week, 365 days a year.

Real-time payments provide instant availability of money, with immediate payment confirmation to the sender
Real-time payments can be sent through your HSBC Mobile Banking App or via Personal Internet Banking
All real-time payments are final, irrevocable, and will be reflected on your statement
Transactions through HSBC’s RTP® network are limited up to $2,500 per transaction, $5,000 daily (subject to change)
The RTP® network can only be used for eligible payments between a sender and receiver whose accounts are located in the United States

The real-time payment description will include “REAL TIME PAYMENT FROM” when posted online or appearing on paper and electronic statements.

For one of your payees to be eligible to receive a real-time payment, you must have previously processed a payment* as a ‘Bank to Bank Transfer’ or ‘Domestic Wire Transfer’ to that payee, and their bank must participate in the RTP® network.
A payee who is eligible to receive a real-time payment will automatically be listed as a payee under the ‘Move Money’ menu in the Mobile Banking App or on Personal Internet Banking. If your payee is eligible for a real-time payment or wire, the option will be available after selecting the payee.
To add an eligible real-time payment payee, you must first log on to Personal Internet Banking on your browser, create a new Domestic Wire payee or a Bank to Bank payee and process the new payment. Bank to Bank Transfers can only be made to payees with same account name.

The list of financial institutions that use the RTP® network are updated on a regular basis.

To make a real-time payment, you can log on to the HSBC Mobile Banking App with biometrics or your digital or physical security device. The mobile app supports the most recent versions of iOS® Touch ID/Face ID and Android fingerprint. You can check your device settings to see if you have these features available. Once logged on to the mobile app, you can send a real-time payment from your HSBC deposit account under the ‘Move Money’ menu by selecting ‘Transfer Funds’ to an eligible payee.
You can also, log on to Personal Internet Banking, go to the Useful links bar then click Wires. On the Transfers, Wires, and Bill Pay page, select the HSBC checking or savings account from which you would like to transfer funds.

Real-Time Payments can be made to both HSBC and non-HSBC accounts held in another individual's name.

Transfers will be processed as follows:
Date of request	Date transfer will be made
On a business day	Same day. There is no cut-off time for this type of payment.
On a non- business day	Same day. There is no cut-off time for this type of payment.

Transfers will be processed as follows:
Date of request	On a business day
Date transfer will be made	Same day. There is no cut-off time for this type of payment.

Date of request	On a non- business day
Date transfer will be made	Same day. There is no cut-off time for this type of payment.

1 Data rate charges from your service provider may apply. HSBC Bank USA, N.A. is not responsible for these charges. Camera-in device required to be able to utilize HSBC Mobile Check Deposit. Deposit amount limits may apply. HSBC Mobile Banking App is available for iPhone®, iPad®, Android^TM devices and must be downloaded from the App Store^TM or Google Play^TM

iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries.

Android, Google Pay, and the Google Logo are trademarks of Google LLC.

App Store is a registered trademark of Apple Inc.

RTP® is a registered service mark of The Clearing House Payments Company LLC

iOS is a trademark or registered trademark of Cisco in the U.S. and other countries.

Transfer limits apply, see Rules for Consumer Deposit Accounts

Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

Real time transfers & payments

Send and receive funds in real time using the HSBC Mobile Banking App1 or Personal Internet Banking

What you need to know

How to make a real-time payment

We're here to help.

Our Customer Service is always available by Web Chat. You can also connect by selecting ‘Chat Now’ in the HSBC Mobile Banking App.

Or call us at 800.975.4722. Representatives are available Monday - Sunday, 7am – 12am ET.

Frequently Asked Questions

What is a real-time payment?

What is different about real-time payments?

How do I know if I received a real-time payment?

Who can I send a real-time payment to?

Which financial institutions use the RTP® network?

How do I make a real-time payment?

How long does a Real-Time Payment take to process?

Connect with us

Send and receive funds in real time using the HSBC Mobile Banking App¹ or Personal Internet Banking