# Multitude of Online Transactional Capabilities - Leverage on a multitude of transactional capabilities such as bill payments, fund transfers, buy/sell investment facilities and more, with a few simply clicks.
# Online 24-hour Investment Tools
Online 24-Hour All-round Securities Trading Services - Place H.K. and U.S. securities orders round-the-clock with just 3 clicks.
24-Hour Currency Exchange Service - Trade currencies with real-time tradable rates, through HSBC's 24-Hour Currency Exchange Service.
Forex/Renminbi Switching Service - Your buy or sell instructions and fund transfers for designated accounts will be executed automatically when your pre-set exchange rate, balance and frequency conditions are met, helping you to capture the best potential returns even in a highly fluctuating foreign exchange market.
Share Watch - You can set up 'Share Watch' to review the latest prices and performance of selected securities.
# Online Asset Portfolio - Presented in concise and user-friendly charts, the portfolio allows you to instantly check your financial status and plan your investment with ease.
# Online Financial Planning Tools
My Life Planner - shows you how to plan for life's important events and goals
Risk Profiling Questionnaire - determines your risk level
# Online Financial Calendar - Manage your plans in advance to pre-set, change or update forward-dated payments, transfers and time deposit instructions with ease.
# Free eAlert Service - Keep yourself well-informed on instruction status and market information, including investment order confirmation, IPO updates and other banking alerts.
* Integrated Financial Services
One integrated account for your deposits, investments, insurance, credit facilities, mortgage services and credit card that offers you convenience and efficiency in your financial management.
* One Consolidated Statement
On a monthly basis, you will receive one easy-to-read consolidated statement to give you a comprehensive overview of your financial position.
* Deposit
Manage various Hong Kong dollar, Renminbi or foreign currency deposit services, including ForEx Switching Services in one account number. Enjoy a preferential time deposit interest rate calculated based on your integrated account type, Total Relationship Balance, time deposit amount and tenor.
* Renminbi Services
Take advantage of our savings and time deposit services, transfers and ForEx Switching services in Renminbi (RMB). You can also exchange and remit RMB via HSBC Internet Banking or at any HSBC branch in Hong Kong.
* Investment
Trade local stocks2 and unit trusts3 or purchase structured products4, bonds5 and certificates of deposit5 via HSBC Internet Banking or phonebanking anytime you want. You can also subscribe to initial public offers and our Monthly Investment Plans.
* Credit
Make the best use of low interest secured credit worth up to 100% of your asset value with no additional service fee, and clean credit of up to HK$600,000 or four times your monthly salary (whichever is lower), plus overdraft protection worth up to HK$5,000.
On top of HSBC Internet Banking and automated phonebanking, you can also manage your finances through more than 500,000 ATMs worldwide.
Enjoy a 5-year annual fee waiver when you apply successfully for a new HSBC credit card with your SmartVantage account to give you more lifestyle benefits. This promotion is only applicable to application of new HSBC credit card.
Our strong global presence and network mean that your personal banking needs are always well taken care of. Whenever you need access to cross-border banking and financial services in a new country7, you can do so through a streamlined application process, and we can also transfer your credit history to facilitate your application.
You can enjoy the full scale banking services referred to above at no extra charge under your SmartVantage account if you have a Total Relationship Balance8 of HK$10,000 or above. A below balance fee HK$60 monthly will only be charged only if the Total Relationship Balance falls below HK$10,000.
