tariff and charges for hsbc amanah products and services€¦ · tariff and charges for hsbc amanah...

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Issued by HSBC Amanah Malaysia Berhad (Company No. 807705-X)

Tariff and charges for HSBC Amanah products and services

6. Other Services

2. Current Accounts

1.9 Term Deposit-i

1.7 Basic Savings Account-i

1.6 Passbook Savings Account-i

1.5 Statement Savings Account-i

2.1 Current Account-i

3. Emergency Encashment

2.2 Basic Current Account-i

4.2 HomeSmart-i

4. Financing

4.1 Amanah Personal Financing-i

4.3 Home Financing-i

5. Credit Card-i

6.2 Cross Border Payments

6.1 Domestic Payments

1. Business Accounts

5. Trade Services

2. Financing Products

4. Remittance & PaymentServices

3. Channels Related Services

9. Bank Statement

1.4 Amanah Advance Account-i

1.8 Foreign Currency Account-i

1.2 HSBC Premier Junior Savers Account-i


7. Fusion Packages

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Updated: 10 April 2020

Contents

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Deposit Accounts

Current Accounts


3

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2.2 Basic Current Account-i 19

3 Emergency Encashment


21

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4.2 Home Smart-i 22


4.4 Business Premises Smart (Individual Customer)

24

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4 Financing 22

6 Remittance & Payment Services

28

5.1 MPower Visa/MPower Visa Platinum/ Advance Visa Platinum & Premier MasterCard Credit Card-i

26

6.1 Domestic Payments 28

6.2 Cross Border Payments 29

7 Cross Border Account Opening

30

8 Credit History Transfer 31

9 Bank Statement 31

5 Credit Card 26

1.1 HSBC Amanah Premier Account-i

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1.7 Term Deposit-i 16

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DESCRIPTIONSTRANSACTION TYPES

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FEES & CHARGES(subject to applicable tax,if any)

i)Transaction done below or equal to RM 5,000 - IBFT ONLYii) First 3 successfultransactions (IBFT and MEPS ATM withdrawals inclusive) done above RM 5,000 each monthiii) 4th and subsquent transactions (IBFT only) above RM 5,000 Note: effective 1st July 2018

Personal

c) Cash withdrawals at

d) MEPS Instant Transfer

e) Interbank GIRO (IBG) at

RM1 per transaction

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PersonalFEES & CHARGES(subject to applicable tax,if any)

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Personal

1.2 HSBC Amanah Premier Junior Savers Account-i

Account Fee Account Opening Fee NIL

Minimum Initial Deposit RM500

Early Account Closure Fee(if account is closed within 3 months)

RM20

1. Deposit Accounts

b) Debit Cardi Issuance

c) Debit Card-i Annual Fee

d) Short Message Service (SMS) e) Conversion of Overseas Transaction

f) Sales draft retrieval request fee

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Personal

Dormant Account Balances up to RM10

Balances greater than RM10

Transfer of credit balances to Registrar of Unclaimed Monies on the 7th year of account dormancy

Activation of Dormant Account

Account will be closed and balances will be absorbed by the Bank as charges. An annual service fee of RM10 will be charged until the remaining balances are sent to Unclaimed Monies Waived

Waived

Bank Statement Retrieval Fee

If statement is 12 months old or less

RM2 per page

If statement is more than 12 months old

RM20 per request + RM2 per page

Transaction Charges Cash withdrawal at MasterCard Cirrus/VISA ATM Networks

RM10 per transaction

Cash withdrawal at overseasHSBC Group ATMs

Waived

Conversion for Overseas Transaction

Free for the first three successful transactions each month (including MEPS Instant Transfer) RM1 per transaction for the 4th and subsequent transactions

If the Customer uses the debit card for transactions in a currency other than Ringgit Malaysia, such amount shall be converted to Ringgit Malaysia at the exchange rate determined by Visa International on the date of conversion in addition to foreign currency conversion cost of 1% as well as any transaction fee charged by VISA International.

Other Fees, Charges or Penalties

Debit Card Issuance Waived

Debit Card Annual Fee Waived

Replacement of Debit Card Waived

Sales Draft Retrieval Fee RM20 per copy

1. Deposit Accounts1.2 HSBC Amanah Premier Junior Savers Account-i

Cash withdrawal at MEPS Shared ATM Network

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i)Transaction done below or equal to RM 5,000 - IBFT ONLYii) First 3 successfultransactions (IBFT and MEPS ATM withdrawals inclusive) done above RM 5,000 each monthiii) 4th and subsquent transactions (IBFT only) above RM 5,000 Note: effective 1st July 2018

Personal

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1.3 Amanah Advance Account-i (formerly known Amanah Smart Account-i)

c) Cash withdrawals at

d) MEPS Instant Transfer

e) Interbank GIRO (IBG) at

RM1 per transaction

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b) Debit Card-i Issuance


d) Short Message Service (SMS) e) Conversion of Overseas Transaction

f) Sales draft retrieval request fee

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i) Transaction done below or equal to RM 5,000

ii) Transaction done above RM 5,000

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Note : effective 1st July 2018

RM1 per transaction

RM1 per transaction

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d) Short Message Service (SMS)

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Note: effective 1st July 2018

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e) Replacement of Debit Card-i f) Conversion of Overseas Transaction



g) Sales draft retrieval request fee

RM1 per transaction

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c) Debit Card-i Issuance

d) Debit Card-i Annual Fee

e) Short Message Service (SMS)

f) Replacement of Debit Card-i

g) Conversion of Overseas Transaction

h) Sales draft retrieval request fee

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Account Fee

Dormant Account

RM1

NILAccount Opening Fee Minimum Initial Deposit Early Account Closure Fee(if account is closed within3 months)

Balances up to RM10

Balance greater thanRM10

Transfer of credit balancesto Registrar of UnclaimedMonies on the 7th year ofaccount dormancy

Activation of Dormant Account

Account will be closed andbalances will be absorbed bythe Bank as charges.

An annual service fee of RM10will be charged until theremaining balances are sent toUnclaimed Monies

Waived

Waived

Bank StatementRetrieval Fee

If statement is 12 monthsold or less

If statement is more than12 months old

RM2 per page

RM20 per request +RM2 per page

5

1.6 HSBC Amanah Junior TopRate Statement Saving Accounti

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e) Cash withdrawals at MEPS Shared ATM Network

ii. Transaction performedfrom 1st October 2015onwards

g) Interbank GIRO (IBG) at HSBC Amanah / HSBC ATMs

i. Transaction performed before 1st October 2015


f) MEPS Instant Transfer i) Transaction done

below or equal to RM 5,000

ii) Transaction done

6


RM1 per transaction


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Personal

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c) Debit Cardi Annual Fee


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Structured Investment-iAdvance Account-i,

Account Opening Fee RM100 to be collected upon account opening (100% waived if customer opens Dual Currency Investment-i or Structured Investment-i on the same day, 50% waived for Premier, and Advance Account-i customers.)

CHF CHF6 HKD HKD30 CAD CAD6

CNY CNY30


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EUR4

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1.9 HSBC Amanah Everyday Global Accounti

Account Opening Fee Minimum Initial Deposit Account Maintenance Fee

Account Maintenance Fee

NIL NIL NIL Waived

RM10 per transaction Where there are insufficient funds in the supported or nonsupported foreign currencies, the withdrawn amount will be automatically converted to Malaysia Ringgit at the prevailing exchange rate as published on HSBC’s Website or determined by VISA International respectively, on the date of conversion in addition to a non supported foreign currency conversion cost of 1% as well as any transaction fee charged by VISA International.

Account Fee

Dormant Account For activation of dormantaccount

For account with aggregatedbalances up to RM10equivalent

For account with aggregatedbalances greater than RM10equivalent

NIL

The account will be closedand these balances will beabsorbed by the Bank as acharge.

An annual service fee of RM10 will be charged untilthe remaining balances are sent to Unclaimed Monies.

Bank StatementRetrieval Fee

If statement is more than 12 months old

Cash withdrawal at VISA

PLUS Network

If statement is 12 monthsor less

RM2 per page

RM20 per request + RM2 per page

Transaction Charges

Cash withdrawal at MEPS Shared ATM Network

Cash withdrawal fee withinHSBC Malaysia ATMNetwork

9

Premier - Waived for the first3 transaction at RM1 Advance - Waived for the first 2 transactions. Subsequent transaction at RM1 Basic Banking - RM1 per transaction

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NIL

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PersonalDESCRIPTIONSTRANSACTION TYPES

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1.9 HSBC Amanah Everyday Global Accounti Cash withdrawal at Overseas HSBC Group ATM Network (GATS)

Conversion for OverseasPOS Transaction

Other Fees, Charges orPenalties

Debit Card-i IssuanceFee

Debit Card-i RecurringAnnual Fee

Premier - Waived Advance - WaivedBasic Banking - Waived

Replacement of Debit Card-i

RM10 (waived for lost/stolenwith a police report provided)

Sales Draft Retrieval Fee RM 20 per copy

Transaction Charges (Applicable to TelegraphicTransfers involving the same FCY denomination only i.e AUD to AUD, or USD to USD). This charge excludes cable charges.

USD - USD 4 per transactionGBP - GBP 3 per transaction

Standing Instructions Penalty Charges forInsufficient Funds

RM5 per transaction

Global Transfer Fee Me2Me via Internet Banking

RM22 (equivalent USD7per transaction)

Premier - Waived Advance & Basic Banking - RM5 per transaction Where there are insufficient funds in the supported or nonsupported foreign currencies, the withdrawn amount will be automatically converted to Malaysia Ringgit at the prevailing HSBC exchange rate as published on HSBC’s Website.

Not applicable for transactions. that are performed and settled in the supported currencies.

Transactions that are performed in foreign currencies and settled in MYR are subject to conversion at the exchange rate as determined by VISA International, on the date of conversion inaddition to a foreign currency conversioncost of 1% as well as any transaction fee charged by VISA International

Premier - Waived Advance - WaivedBasic Banking - Waived

AUD - AUD 6 per transactionGD - SGD 6 per transaction EUR - EUR 4 per transaction HKD - HKD30 per transaction CAD - CAD 6 per transaction NZD - NZD 6 per transaction JPY - JPY400 per transaction

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Term Deposit-i a) Copy of Customer Request Term Deposit-i Advice

RM5 per copy

1.10 Term Deposit-i

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Personal

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RM1 per transaction

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e) Replacement of Debit Card-i f) Conversion of Overseas Transaction

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2.1 Current Accounti

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f) MEPS Instant Transfer i) Transaction done

below or equal to RM 5,000

ii) Transaction done

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g) Sales draft retrieval request fee

e) Cash withdrawal at MEPS Shared ATM Network

g) Interbank GIRO (IBG) at

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RM1 per transaction

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b) With balances greaterthan RM10

c) Activation of DormantAccount

a) With balances up toRM10

} An annual service fee ofRM10 will be chargeduntil the remainingbalances are sent toUnclaimed Monies

} Waived

} Account will be closedand these balancesabsorbed by the Bank asa charge

Dormant Account

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Card-i e) Replacement of Debit

g) Conversion of Overseas Transaction

f) Replacement of Debit Card-i

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Additional Rental ChargeAdditional Rental Charge

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RM40 per month will be charged if the average utilisation rate (Average Outstanding Balance divided by Current Month Facility Limit) for the month is less than 50%. Only applicable upon full disbursement of the home financing and applicable for the period of 5 years from the full disbursement date.


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(1.75% X Facility Amount X Number of remaining months within the Lockin Period) / Total Lockin Period in months

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Additional Rental ChargeAdditional Rental Charge

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RM40 per month will be charged if the average utilisation rate (Average Outstanding Balance divided by Current Month Facility Limit) for the month is less than 50%. Only applicable upon full disbursement of the home financing and applicable for the period of 5 years from the full disbursement date.


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5.1 MPower Visa/MPower Visa Platinum/Advance Visa Platinum &Premier MasterCard Credit Card-i

The following annual fees are applicable to cardholders whowere upgrade/converted by the Bank under the Credit Card'sUpgrade/Conversion Initiative on 1st January 2016

Waived if swipe one time per month for consecutive of 12 months (No minimum spend is required). The above condition is applicable to all credit card/i opened since year 2011 (except Premier Travel Card).

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Service Tax (charged annually) 25 25

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Waived Waived

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f) Cash Instalment Plan Up to 18% p.a. of the balance accrued from Cash Instalment Plan amount, calculated on reducing balance basis

g) Auto Balance Conversion Plan

Up to 18% p.a. of the balances accrued from Auto Balance Conversion Plan amount, calculated on reducing balance basis.

5% of the outstanding balance or a minimum of RM50, whichever is higher.

Effective: 2 Oct 2019, It will be revised to:5% of the Current Balance + 100% monthlyinstalment of Credit Card Instalment Plan (if any) + and any unpaid minimum payment specified in the preceding months' Card statement, OR RM50, whichever is higher.

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Personal b) Credit Cardi Paper

Statement Fee (Effective 1 January 2019)

20 days management-fee free is granted on all transactions(Except Balance Transfer/Cash Advance) provided all outstandingbalances as per the monthly statement of the previous month are fully settled.

RM1 per each creditcard-i paper statement

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RM45 + RM6.00 or its equivalent per transaction



Instant Transfer** via Internet/Mobile Banking

**will rebrand as “DuitNowPay to Account”

Any amount

Note: effective 23rd March 2019

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DuitNow QR Via Mobile Banking Any amount

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This is only applicable for Shariah compliant aacounts offered by HSBC/HSBC Amanah branches worldwide


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9. Bank Statement

Bank Statement(effective 24th March 2017)

a) Paper Statement

b) e-Statement

c) Email Statement Waived

Waived

RM1.00 per statement


This is only applicable for Shariah compliant aacounts offered by HSBC/HSBC Amanah branches worldwide

Paper Statement fee for Basic Savings Account-i, Basic Current Account-i and HSBC Amanah Premier Account-i waived

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Tariff and charges for hSBC Amanah products and services

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iv. External cheque without purpose of payment

Commercial & BusinessFEES & CHARGES(subject to applicable tax,if any)

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2 Financing Products

Business Accounts1

3

Remittance & Payment Services

4

Channels Related Services

5

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Trade Services

Contents

Other Services

Fusion Packages7

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Note: The above charges inclusive of Cable and Commission

iv. External cheque without purpose of payment

1-Biz Account-i /

ContentsFEES & CHARGES(subject to applicable tax,if any)

Commercial & Business

USD11GBP7AUD14JPY1,050SGD16EUR8BND10CHF13HKD50CAD7NZD10

USDGBPAUDJPYSGDEURBNDCHFHKDCADNZD


Business Accounts1

3


4


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Trade Services

Contentsp

Other Services

Fusion Packages7

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Other Services

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1-Biz Account-i /


Business Accounts1 32

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3 36


4 38


5

6

Trade Services 41

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Other Services

Fusion Packages7 52

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Commercial & Businessp

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Business Accounts1

3


4


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Fusion Packages7

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32

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Business Accounts1

3


4


5

6

Trade Services

Contents

Other Services

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Issued by HSBC Amanah Malaysia Berhad (Company No. 807705-X)R

RM2.50 per Draft

RM5.50 per draft

RM2

Interbank GIRO (IBG)

Encashment



Note: Inclusive of RM0.50 cheque processing fee(Effective 2nd January 2015?

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RM20 per transaction



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c) Margin Payment handling fee for non-trade Customer

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* Opening commission is calculated at prescribed rate from the date of DCi issuance and payacle in full at time of establishment of all DCis. If there is any subsequent extension to the expiry date / increase in the amount of the DCi,additional commission will be imposed based on the extended period or the increased DCi amount and will be collected when the DCi is extended or the amount increaded.**Application for SME customers only. Different rates as prescribed by the Bank are applicale for other customers



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5. Trade Services

5.1 Import Services

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Guarantee

Late Presentation Documents presented after presentation period / DC-i expiry

0.1% of credit value to be borne by the beneficiary and deducted directly from proceeds

Deducted from the proceeds/reimbursement claim for each presentation of discrepant documents. Fees shall be borne by the beneficiary unless otherwise stated in the DC-i

Presentation of documents via non HSBC offices. Charges shall be borne by the beneficiary unless otherwise stated in the DC-i

Overseas bank charge for the account of beneficiary

Overseas Charge

Presentation Charge

Discrepancies Fees FCY bill USD100.00 (or equivalent)

Ringgit bill RM100

FCY bill USD45 (or equivalent)Ringgit bill RM140

USD25 (or equivalent)

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For bills drawn under a Documentary Credit-i of this bank,profit will be charged at the prevailing rate for the foreigncurrency in question from the date of negotiation by theremitting bank until the date of payment or conversion toRinggit by the customer



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0.1% per month* (or part of month) on the guarantee amount (min RM100) (SME Customers)Min RM200 (Non-SME Customers)

Bank Guarantee-i issuance commission is calculated at the prescribed rate from the date of Bank Guarantee Issuance up to Claim/Liability period and is payable in full at the time of establishment of the Bank Guarantee-i unless otherwise agreed by the Bank. If there is any subsequent extension to the expiry date/claim/liability period/increase in the amount of the Bank Guarantee-i, additional commission will be imposed based on the extended period or the increased Bank Guarantee-i amount and will be collected when the Bank Guarantee-i is extended or the amount is increased.

Note (*):

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5. Other Import Services

Pricing Subject to the complexity of the structure and any system integration required

a) Set-up Fee

b) Payment Processing Fee

Min. RM100 per transaction (without early payment) or

Min. RM50 per transaction (with early payment)

c) Finance Charge Subject to the credit structure

d) Brokerage/Trading fee via Bursa Commodity House (BCH)

Equivalent to 15 per currency per million

e) Brokerage/Trading Fee via London Metal Exchange (LME)

Equivalent to 10 per currency per million

Supply Chain Finance-i (non-SME only)



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Other Services0.25% for non DC-i bills (maximum RM200) and waived for submission via HSBCnet ITS

Note: HSBCnet Internet Trade Service (ITS)

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5. Trade Services



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to change checking fee based on country of issuing bank and complexity of the DC-i (e.g. more than 2 pages of terms and conditions especially Pakistan, Bangladesh and Middle Eastern Countries)

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At overdraft or prescribed rate (min. RM30)*

At prevailing Foreign Currency profit or prescribed rate (min RM30)*

Export Documentary Credit-i (DC-i) Bills Purchased-i (also known as Export DC-i Negotiation-i) refers to financing by the bank against documents submitted under DC-i which may be clean or discrepant and generally after acceptance is received from the issuing bank. Profit rates charged will be based on the Bank's prevailing cost of fund for the respective currencies plus a margin subject to underlying bank and country risk.

Note (*):

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0.25% for non DC-i bills (maximum RM200) and waived for submission via HSBCnet ITS Note: HSBCnet Internet Trade Service (ITS)

a) Financing Charge

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Compensation Charge

a) Compensation Charge for early settlement of Foreign Currency Financing will be levied for exchange difference/costs

Actual Compensation charges quoted by Global Markets



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Others Local Demand Draft/Cashier’s Order Issuance

Government Stamp Duty Fee

RM5.50 per draft (inclusive of processing fee)

RM10 where applicable

Cable/SWIFT Charges All cable cost per DC-i/Bank Guarantee-I issued under SWIFT (including amendment and cancellation of DC-i)

Other Cable Cost Issued under SWIFT

Local DCi/BGi – Min RM50 per cable

Overseas DCi/BGI – Min RM100 per cable

RM30

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7 Fusion Packages(Only applicable to Retail Business Banking (RBB)Customers)

a) HSBC Fusion Basic

b) HSBC Fusion Essential

c) HSBC Fusion Elite

RM 30 per month

RM 60 per month

RM 120 per month



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