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HSBC

WikiFX | 2025-07-09 11:59

Sommario：　　HSBC (HSBC) is a well-known financial institution registered in Hong Kong, regulated by the Securities and Futures Commission (SFC) of Hong Kong and the Labuan Financial Services Authority (LFSA) of Malaysia, among others.

HSBC Review Summary
Founded	1865
Registered Country/Region	Hong Kong
Regulation	SFC, LFSA, ASIC (Suspicious Clone)
Trading Products	Shares, trusts, bonds/certificates of deposit (CDs), structured products, warrants & CBBCs, IPOs, gold, ESG and sustainable investing, etc.
Services	Banking, investment, lending, credit cards, wealth management, and insurance
Trading Platform	HSBC Mobile App
Customer Support	Phone: (852) 2233 3033; (852) 2233 3322; (852) 2233 3000
Customer Support	Social Media: WhatsApp, Twitter, Facebook, WeChat

HSBC Information

HSBC (HSBC) is a well-known financial institution registered in Hong Kong, regulated by the Securities and Futures Commission (SFC) of Hong Kong and the Labuan Financial Services Authority (LFSA) of Malaysia, among others.

It offers a comprehensive range of financial services, including banking, investment, lending, credit cards, wealth management, and insurance. HSBC supports convenient transactions and 24/7 instant payment services through its mobile app, while offering a variety of deposit and withdrawal methods, such as the Faster Payment System (FPS) and Real Time Full Settlement (RTGS).

In addition, HSBC is committed to supporting environmental, social and governance (ESG) and sustainable investments, providing customers with a wide range of investment options and convenient mobility solutions.

Pros and Cons

Pros	Cons
Regulated by SFC and LFSA	No live chat support
A variety of financial services	Complex fee structure
No commission
24/7 Instant payment

Is HSBC Legit?

HSBC is regulated in a number of countries and regions, including Hong Kong, the Labuan region of Malaysia, and Australia.

In Hong Kong, HSBC holds an AAA523 license for trading futures contracts, which is regulated by the Hong Kong Securities and Futures Commission (SFC).

In Labuan, HSBC is regulated by the Labuan Financial Services Authority (LFSA) as a Market Maker (MM), but the license number is not disclosed.

However, the license regulated by the Australian Securities and Investments Commission (ASIC) is suspected to be a clone.

Regulated Country	Regulated Authority	Regulatory Status	Regulated Entity	License Type	License Number
	Securities and Futures Commission of Hong Kong (SFC)	Regulated	Hongkong and Shanghai Banking Corporation Limited	Dealing in futures contracts	AAA523
	Labuan Financial Services Authority (LFSA)	Regulated	Hongkong and Shanghai Banking Corporation Limited	Market Maker (MM)	Unreleased
	Australia Securities & Investment Commission (ASIC)	Suspicious Clone	HSBC BANK AUSTRALIA LIMITED	Market Maker (MM)	232595

What Can I Trade on HSBC?

HSBC offers a full range of trading products, including shares, trusts, bonds/certificates of deposit (CDs), structured products, warrants & CBBCs, IPOs, gold, ESG and sustainable investing, etc.

Trading Products	Supported
Shares	✔
Trusts	✔
Bonds/CDs	✔
Structured products	✔
Warrants & CBBCs	✔
IPOs	✔
Gold	✔
ESG	✔
Forex	❌
Commodities	❌
Indices	❌
Cryptocurrencies	❌
Options	❌
ETFs	❌

Account Type

HSBC offers an all-in-one account. All-in-one integrated bank account for deposits, credit cards, investments, insurance, and more.

Fees

Commission: Commission-free, HSBC will not charge commission to the client.

HSBC offers a wide range of financial services across a wide range of sectors, including credit cards, loans, excessive overdrafts, investments, and life insurance.

For more information, please click: https://www.hsbc.com.hk/fees/

Service	Fees & Charges
Credit Cards	Octopus Automatic Add Value Service (AAVS)		The first time you apply for this service is free of charge. A processing fee of HKD20 will be charged for the transfer or reactivation of the AAVS service from another bank.
Loans	Late Charge	Personal Instalment Loans	2.25% per month calculated daily for amounts in arrears, plus HKD400 on each instalment due to insufficient funds
		Personal Tax Loan
		Revolving Credit Facility	8% flat on payment in arrears (minimum HKD100, maximum HKD200) plus the Prevailing Rate
Overdrafts	Service Fee	Personal Overdraft	Annual Fee: 1% of the overdraft limit per annum (Minimum: HKD200, Maximum: HKD700)
		HSBC One and Personal Integrated Account - Clean Credit	Monthly Fee: Pro-rated on HKD50 based on utilisation % of the credit limit in the previous month, maximum HKD50
		HSBC Premier - Clean Credit
Insurance	If the customer surrenders the policy before the end of the policy term, the customer may get back less than the amount paid.

Trading Platform

HSBC supports transactions using the HSBC Mobile App.

Deposit and Withdrawal

HSBC offers fast transfers via the Faster Payment System (FPS).

In addition, users can scan a QR code to send or receive money via the HSBC HK Mobile Banking app, or for local transfers in USD and EUR, real-time full settlement (RTGS) via account number.