tariff and harges for hs amanah products and services...1.3 amanah advance account-i 6 1.4 statement...

Tariff and Chargesfor HSBC Amanah Products and ServicesPersonalCommercial & Business

Tariff and charges for HSBC Amanah products and services

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

ContentPersonal Commercial & Business

Personal

Commercial & Business

1. Deposit Accounts 4. Financing 1. Business Accounts

1.1 Premier Account-i 4.1 Amanah Personal Financing-i 2. Financing Products

1.2 Premier JuniorSavers Account-i

4.2 Home Smart-i 3. Channels RelatedServices

1.3 Amanah AdvanceAccount-i

4.3 Home Financing-i 4. Remittance & PaymentServices

1.4 Statement SavingAccount-i

4.4 Business Premises Smart(Individual Customer)

5. Trade Services

1.5 Passbook SavingsAccount-i

5. Credit Card 6. Other Services

1.6 Junior TopRate StatementSaving Account-i

5.1 MPower Visa/MPowerVisa Platinum/AdvanceVisa Platinum & PremierMasterCard Credit Card-i

7. Fusion Packages

1.7 Basic Savings Acocunt-i 6. Remittance & PaymentServices

1.8 Foreign Currency Account-i 6.1 Domestic Payment

1.9 Everyday GlobalAccount-i

6.2 Cross Border Payments

1.10 Term Deposit-i 7. Cross Border AccountOpening

2. Current Accounts 8. Credit History Transfer

2.1 Current Account-i 9. Bank Statement

2.2 Basic Current Account-i

3. Emergency Encashment

2

Issued by HSBC Amanah Malaysia Berhad (Company No. 807705-X) Updated: 27 November 2020

Contents PersonalTRANSACTION TYPES DESCRIPTIONS FEES & CHARGES

(subject to applicable tax, if any)1 Deposit Accounts 2

1.1 Premier Account-I 2

1.2 Premier Junior Savers 5Account-i

1.3 Amanah Advance Account-I 6

1.4 Statement Saving Account-I 9

1.5 Passbook Savings Account-I 11

1.6 Junior TopRate Statement 14Saving Account-i

1.7 Basic Savings Account-I 15

1.8 Foreign Currency Account-I 17

1.9 Everyday Global Account-i 18

1.10 Term Deposit-I 20

2 Current Accounts 20

2.1 Current Account-I 21

2.2 Basic Current Account-I 23

3 Emergency Encashment 25

4 Financing 26

4.1 Amanah Personal 26Financing-i

4.2 Home Smart-I 26

4.3 Home Financing-I 28

4.4 Business Premises Smart 28(Individual Customer)

5 Credit Card 30

5.1 MPower Visa/MPower 30Visa Platinum/AdvanceVisa Platinum & PremierMasterCard Credit Card-i

6 Remittance & Payment 33Services

6.1 Domestic Payments 33

6.2 Cross Border Payments 34

7 Cross Border Account 35Opening

8 Credit History Transfer 36

9 Bank Statement 36

1. Deposit Accounts1.1 Premier Account-iAccount Fee Account Fee RM150 per month (The

account fee for Premiercustomers may be waived ifthe fee waiver criteria set aremet)

Transaction Charges a) Cash withdrawals at MasterCardCirrus/Visa ATM network

RM10 per transaction

b) Cash withdrawals at overseas HSBCGroup ATMs

Waived

c) Cash withdrawals at MEPS Shared ATMNetwork- First 3 successful transaction eachmonth (includes MEPS InstantTransfer)- 4th and subsequent transactions

Free

RM1 per transaction

d) MEPS Instant Transferi. Transaction done below or equal

to RM5,000 – IBFT ONLYii. First 3 successful transactions

(IBFT and MEPS ATM withdrawalsinclusive) done above RM5,000each month

iii. 4th and subsequent transactions(IBFT only) above RM5,000

Note: effective 1st July 2018

Free

Free

RM0.50 per transaction

f) Interbank GIRO (IBG) at HSBCAmanah/HSBC ATMs

i. Transaction performed before 1st

October 2015ii. Transaction performed from 1st

October 2015



Global Transfer Fee a) Me2Me Transfer via Internet Banking Waived

b) Me2Others Transfer via InternetBanking

Waived

Dormant Account a) With balances up to RM10 Account will be closed andthese balances will beabsorbed by the Bank as acharge

b) With balances greater than RM10 An annual service fee of RM10will be charges until theremaining balances are sentto Unclaimed Monies

c) Transfer of credit balances to RegisterOf Unclaimed Monies on the 7th years ofaccount dormancy

Waived

d) Activation of Dormant Account Waived

3


















4 Financing 26


4.2 Home Smart-I 26



5 Credit Card 30







9 Bank Statement 36

1. Deposit Accounts1.1 Premier Account-iCheque Related Feesand Charges

a) Inward Clearing Cheque -Processing Fee

i. Before 2nd January 2015ii. With effect from 2nd January 2015

*Exception for cheque return reasonsbelowi. Cheque Already Paid/Duplicate

Paymentii. Wrongly encoded/Encoding Erroriii. Incorrect Data Capture

Not applicableRM0.50 per cheque

b) Cheque Book Issuancei. Stamp dutyii. Courier Charges

RM0.15 per cheque leafRM5

c) Stop Payment Instruction on Chequei. With sufficient fundsii. With insufficient funds

RM20 per chequeRM100 per cheque

d) Cheques Returnedi. Due to insufficient fundsii. Due to reason “Post-dated”


e) House Chequei. Cheque Encashment by Payee in

Personii. Processing Fee (Effective 2nd

January 2015)

RM2 per cheque (only byauthorized 3rd party)RM0.50 per cheque

f) Deposit of Foreign Cheque/Drafti. Commission on cheques issued

ii. Stamp Dutyiii. Other chargesiv. Postage Charges

- Draft/Cheque above USD10,000(denominated in USD only)

- All other currencies andamounts

0.1% of cheque amountMinimum charge : RM10Maximum charge : RM100RM0.15 per chequePaying Bank’s charges

RM46 per cheque

RM1.50 per cheque

Standing Instructions(SI)

a) Payment at Home Financing-i/HousingLoan/Credit Card-i/Credit Card

Waived

b) Payment into other HSBC AmanahAccount-i/HSBC Account

Waived

c) Payment to non HSBC AmanahAccount-i/non-HSBC Accounts inMalaysia

i. SI Commissionii. Demand Draft Issuediii. Postageiv. Processing Fee (Effective 2nd

January 2015)

WaivedRM2 per Demand DraftRM1.50 per Demand DraftRM0.50 per Demand Draft

d) Payments to Individuals/entitiesoutsideMalaysia via Telegraphic Transfer

i. Commission/postage/cablecharges

RM25 to RM45 per paymentdepending on destination

4


















4 Financing 26


4.2 Home Smart-I 26



5 Credit Card 30







9 Bank Statement 36

1. Deposit Account1.1 Premier Account-iStanding Instructions(SI)

e) Payment to Individuals/ entitiesoutside Malaysia via Telegraphic Transfer(in USD Dollars)

i. Intermediary Bank charges USD20 per paymentf) Penalty charges for insufficient funds inthe Account

RM5 per transaction

Other Fees, Chargesor Penalties

a) Account closed within 3 months RM20b) Debit Card-i issuance Waivedc) Debit Card-i Annual Fee Waivedd) Short Message Service (SMS) Waivede) Conversion for Overseas Transaction If the Cardholder uses the

Debit Card-I for transactions ina currency other than RinggitMalaysia, such amount shall beconverted at the exchange rateas determined by VisaInternational, as the case maybe, on the date of conversionin addition to a foreigncurrency conversion cost of1.00% as well as anytransaction fee charged by VisaInternational.

f) Sales draft retrieval request fee RM20 per copyOther Services a) Bank Statement Retrieval

i. If statement is 12 months old orless

ii. If statement is more than 12months old

RM2 per page

RM20 per request + RM2 perpage

b) Electronic Share Application Waivedc) Internet Banking- Replacement of Security Device- Postage

RM50 per deviceRM5-10 (within Malaysia)Relevant courier or registeredmail charges apply (outsideMalaysia)

5


















4 Financing 26


4.2 Home Smart-I 26



5 Credit Card 30







9 Bank Statement 36

1. Deposit Accounts1.2 Premier Junior Savers Account-iAccount Fee Account Opening Fee NIL

Minimum Initial Deposit RM500Early Account Closure Fee (If accountis closed within 3 months)

RM20

Dormant Account Balance up to RM10 Account will be closed andbalances will be absorbed bythe Bank as charges

Balance greater than RM10 An annual service fee of RM10will be charged until theremaining balances are sentto Unclaimed Monies

Transfer credit balances to Registrarof Unclaimed Monies on 7th year ofaccount dormancy

Activation of Dormant Account

Waived

Waived

Bank StatementRetrieval Fee

If statement is 12 months old or less RM2 per page

If statement is more than 12 monthsold

RM20 per request+ RM2 perpage

Transaction Charges Cash withdrawal at MasterCardCirrus/VISA ATM Network


Cash withdrawal at overseas HSBCGroup ATMs

Waived

Cash withdrawal at MEPS Share ATMNetwork

Free for the first three successfultransactions each month(including MEPS Instant Transfer)RM1 per transaction for the 4th

and subsequent transactionsConversion for Overseas Transaction If the customer uses the debit

card for transactions in acurrency other than RinggitMalaysia, such amount shallbe converted to RinggitMalaysia at the exchange ratedetermined by VisaInternational on the date ofconversion in addition toforeign currency conversioncost of 1% as well as anytransaction fee charged byVISA International.


Debit Card Issuance WaivedDebit Card Annual Fee WaivedReplacement of Debit Card WaivedSales Draft Retrieval Fee RM20 per copy

6


















4 Financing 26


4.2 Home Smart-I 26



5 Credit Card 30







9 Bank Statement 36

1. Deposit Accounts1.3 Amanah Advance Account-i (formerly known Amanah Smart Account-i)Account Fees Advance Account RM10 per month (The account

fee for the Advance customersmay be waived if the feewaiver criteria set are met)

Transaction Charges a) Cash withdrawals at MasterCardCirrus/Visa ATM network


b) Cash withdrawals at overseas HSBCGroup ATMs

RM5 per transaction

c) Cash withdrawals at MEPS SharedATM Network

i. First 2 successful transactionseach month (includes MEPSInstant Transfer)

ii. 3rdand subsequent transaction

Free

RM1 per transactiond) MEPS Instant Transfer

i. Transaction done below orequal to RM5,000 –IBFT only

ii. First 3 successful transactions(IBFT and MEPS ATM withdrawalinclusive) done above RM5,000each month

iii. 4thand subsequent transactions(IBFT only) above RM5,000Note : effective 1 July 2018

Free

Free


e) Interbank GIRO (IBG) at HSBCAmanah/HSBC ATMs

i. Transaction performed before1stOctober 2015

ii. Transaction performed from 1stOctober 2015 onwards



Global Transfer Fee a) Me2Me Transfer via InternetBanking

Waived

b) Me2Others Transfer via InternetBanking

Waived

Dormant Account a) With balance up to RM10 Account will be closed and thesebalances absorbed by the Bankas a charge

b) With a balances greater than RM10 An annual service fee of RM10will be charged until theremaining balances are sent toUnclaimed Monies

c) Transfer of credit balances toRegistrar Of Unclaimed Monies on the7thyear of account Dormancy

Waived

d) Activation of Dormant Account Waived

7


















4 Financing 26


4.2 Home Smart-I 26



5 Credit Card 30







9 Bank Statement 36

1. Deposit Accounts1.3 Amanah Advance Account-I (formerly known Amanah Smart Account-i)Cheque Related Feesand Charges

a) Inward Clearing Cheque- Processing Fee

i. Before 2nd January 2015ii. With effect from 2nd Jan 2015

*Exception for cheque return reasonsbelow

i. Cheque already paid/duplicatepayment

ii. Wrongly encoded/encodingerror

iii. Incorrect Data Capture


b) Cheque Book Issuancei. Stamp dutyii. Courier charges




d) Cheque Returnedi. Due to insufficient fundsii. Due to reason “Post-dated”

RM100 per chequeRM10 per cheque borne bypayee

e) House Chequei. Cheque Encashment by Payee in

Personii. Processing Fee Effective 2nd

January 2015)

RM2 per cheque (only byauthorized 3rd party)RM0.50 per cheque

f) Deposits of Foreign Cheque/Drafti. Commission on cheques issued

ii. Stamp dutyiii. Other chargesiv. Postage charges

- Draft/Cheque aboveUSD10,000 (denominated inUSD only)


0.1% of the cheque amountMinimum charge : RM10Maximum charge : RM100RM0.15 per chequePaying Bank’s charges

RM46 per cheque

RM1.50 per cheque


a) Payment to Home Financing-i/Housing Loan/Credit Card-i/CreditCard

Waived


Waived

c) Payment to non HSBC AmanahAccount-i/non-HSBC Accounts inMalaysia


January 2015)

WaivedRM2 per Demand DraftRM1.50 per Demand DraftRM0.50 per Demand Draft

d) Payments to individuals/entitiesoutside Malaysia via TelegraphicTransfer:



8


















4 Financing 26


4.2 Home Smart-I 26



5 Credit Card 30







9 Bank Statement 36

1. Deposit Accounts1.3 Amanah Advance Account-I (formerly known Amanah Smart Account-i)Standing Instructions(SI)

e) Payments to individuals/entitiesoutside Malaysia via TelegraphicTransfer (in US Dollars)Intermediary Bank charges

USD20 per payment

f) Penalty charges for insufficient fundsin the Account

RM5 per transaction


a) Account closed within 3 months RM20b) Debit Card-i Issuance RM8c) Debit Card-i Annual Fee RM8d) Short Message Service (SMS) Waivede) Conversion for Overseas Transaction RM10

If the Cardholder uses theDebit Card-i for transaction ina currency other than RinggitMalaysia, such amount shall beconverted at the exchange rateas determined by VisaInternational, as the casemaybe, on the date ofconversion in additional to aforeign currency conversioncost of 1.00% as well as anytransaction fee charged by Visainternational.

f) Sales draft retrieval request fee RM20 per copyOther Services a) Bank Statement Retrieval

i. If statement is 12 months old orless

ii. If statements is more than 12months old

RM2 per page


b) Electronic Share Application Waivedc) Internet Banking

i. Replacement of Security Deviceii. Postage


9


















4 Financing 26


4.2 Home Smart-I 26



5 Credit Card 30







9 Bank Statement 36

1. Deposit Accounts1.4 Statements Savings Account-iAccount Fee Account Fee WaivedTransaction Charges a) For average credit balance of more

than RM5,000 per monthi. ATM Cash Withdrawalsii. Cash withdrawals at Visa/PLUS

ATM Networkiii. Cash withdrawals at overseas

HSBC Group ATMs

WaivedRM10 per transaction

RM5 per transaction

b) For average credit balance of lessthan RM5,000 per month

i. ATM Cash Withdrawals(if exceeding 4 transactions permonth)

ii. Cash withdrawals at Visa/PLUSATM Network

iii. Cash withdrawals at overseasHSBC Group ATMs

RM1 per transaction


RM5 per transaction


RM1 per transaction

d) MEPS Instant Transferi. Transaction done below or

equal to RM5,000ii. Transaction done above

RM5,000Note : effective 1st July 2018

Free




ii. Transaction performed from 1stOctober 2015 Onwards



10


















4 Financing 26


4.2 Home Smart-I 26



5 Credit Card 30







9 Bank Statement 36

1. Deposit Accounts1.4 Statement Savings Account-iDormant Account a) With balances up to RM10 Account will be closed and

these balances absorbed bythe Bank as a charge

b) With balances greater than RM10 An annual service fee of RM10will be charges until theremaining balances are sent toUnclaimed Monies

c) Transfer of credit balances ofRegistrar Of Unclaimed Monies on the7thyear of account dormancy

Waived

d) Activation of Dormant Account WaivedCheque Clearance a) Deposit of Foreign Cheque/Draft

i. Stamp Dutyii. Other chargesiii. Postage Charges



RM0.15 per chequePaying Bank’s charges

RM46 per cheque

RM1.50 per cheque



Waived


RM2 per transaction

c) Payment to non HSBC AmanahAccount-i/non HSBC Accounts inMalaysia


January 2015)

RM2 per transactionRM2 per Demand DraftRM1.50 per Demand DraftRM0.50 per Demand Draft

d) Payments to individuals/entitiesoutside Malaysia via TelegraphicTransfer



e) Payments to individuals/entitiesoutside Malaysia via TelegraphicTransfer (in US Dollars)

i. Intermediary Bank charges USD20 per paymentf) Charges for insufficient funds in theAccount

RM5 per transaction

Other Fees andCharges

a) Account closed within 3 months RM20

b) Debit Card-i Issuance RM8c) Debit Card-i Annual Fee RM8d) Short Message Service (SMS) RM1 per month for those

customers who sign up

11


















4 Financing 26


4.2 Home Smart-I 26



5 Credit Card 30







9 Bank Statement 36

1. Deposit Accounts1.4 Statement Savings Account-i

e) Replacement of Debit Card-i RM10f) Conversion for Overseas Transaction If the Cardholder uses the Debit

Card-i for transactions ina currency other than RinggitMalaysia, such amount shall beconverted at the exchange rateas determined by VisaInternational, as the case maybe, on the date of conversionin addition to a foreigncurrency conversion cost of1.00% as well as any transactionfee charged by Visa International

g) Sales draft retrieval request fee RM20 per copyOther Services a) Bank Statement Retrieval

i. If statement is 12 months old orlesser


RM2 per page


b) Electronic Share Application RM2.50 per transactionc) Internet Banking



1.5 Passbook Savings Account-iAccount Fee Account Fee RM5 per monthTransaction Charges a) For average credit balance of more

than RM5,000 per monthi. ATM Cash Withdrawal Waived


i. ATM Cash Withdrawal (ifexceeding 4 transactions permonth)

RM1 per transaction


RM1 per transaction

d) MEPS Instant Transferi. Transaction done below or



Free


12


















4 Financing 26


4.2 Home Smart-I 26



5 Credit Card 30







9 Bank Statement 36

1. Deposit Accounts1.5 Passbook Saving Account-iTransaction Charges e) Interbank GIRO (IBG) at HSBC

Amanah/HSBC ATMsi. Transaction performed before

1stOctober 2015ii. Transaction performed from 1st

October 2015 onwards



Dormant Account a) With balances up to RM10 Account will be closed andbalances will be absorbed by theBank as a charge

b) With balances greater than RM10 An annual service fee of RM10will be charged until theremaining balances are sent toUnclaimed Monies

c) Transaction of credit balances ofRegistrar Of Unclaimed Monies on the7th year of account Dormancy

Waived

d) Activation of Dormant Account WaivedCheque Clearance Deposit of Foreign Cheque/Draft





RM46 per cheque

RM1.50 per cheque



Waived


RM2 per transaction



January 2015)






i. Intermediary Bank charges USD20 per paymentf) Penalty charges for insufficientfunds in the Account

RM5 per transaction

13


















4 Financing 26


4.2 Home Smart-I 26



5 Credit Card 30







9 Bank Statement 36

1. Deposit Accounts1.5 Passbook Savings Account-iOther Fees, Chargesor Penalties

a) Account closed within 3 months RM20b) Loss of Passbook RM5 (stamp duty on Letter of

Indemnity – RM10)c) Debit Card-i Issuance RM8d) Debit Card-i Annual Fee RM8e) Short Message Service (SMS) RM1 per month for those

customers who sign upf) Replacement of Debit Card-i RM10g) Conversion for OverseasTransaction

If the Cardholder uses theDebit Card-i for transactions ina currency other than RinggitMalaysia, such amount shall beconverted at the exchange rateas determined by VisaInternational, as the case maybe, on the date of conversionin addition to a foreigncurrency conversion of cost of1.00% as well as anytransaction fee charged by VisaInternational

h) Sales draft retrieval request fee RM20 per copyOther Services a) Bank Statement Retrieval

i. If statement is 12 months oldor lesser


RM2 per page




RM50 per deviceRM5 to RM10 (within Malaysia)Relevant courier or registeredmail charges apply (outsideMalaysia)

14


















4 Financing 26


4.2 Home Smart-I 26



5 Credit Card 30







9 Bank Statement 36

1. Deposit Accounts1.6 Junior TopRate Statement Saving Account-iAccount Fee Account Opening Fee NIL

Minimum Initial Deposit RM1Early Account Closure Fee(if account is closed within 3 months)

RM20

Dormant Account Balances up to RM10 Account will be closed andbalances will be absorbed bythe Bank as a charge

Balances greater than RM10 An annual service fee of RM10will be charged until theremaining balances are sent toUnclaimed Monies

Transfer of credit balances toRegistrar of Unclaimed Monies on the7th year of account dormancy

Waived

Activation of Dormant Account WaivedBank StatementRetrieval Fee

If statement is 12 months old or less RM2 per pageIf statement is more than 12 monthsold


15


















4 Financing 26


4.2 Home Smart-I 26



5 Credit Card 30







9 Bank Statement 36

1. Deposit Accounts1.7 Basic Saving Account-iAccount Fee Account Fee WaivedTransaction Charges a) ATM Cash Withdrawal (if exceeding

8 transactions per month)RM1 per transaction

b) Self-service deposits Waivedc) Cash withdrawals at Visa/PLUS ATMNetwork


d) Cash withdrawals at overseas HSBCGroup ATMs

RM5 per transaction

e) Cash withdrawals at MEPS SharedATM Network

RM1 per transaction

f) MEPS Instant Transferi. Transaction done below or equal

to RM5,000ii. Transaction done above


Free


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





Dormant Account a) With balances up to RM10 Account will be closed andBalances will be absorbed bythe Bank as a charge


c) Transfer of credit balances toRegistrar of Unclaimed Monies on the7th year of account dormancy

Waived

d) Activation of Dormant Account WaivedCheque Clearance Deposit of Foreign Cheque/Draft





RM46 per cheque

RM1.50 per cheque

16


















4 Financing 26


4.2 Home Smart-I 26



5 Credit Card 30







9 Bank Statement 36

1. Deposit Accounts1.7 Basic Savings Account-iStanding Instructions(SI)


Waived


RM2 per transaction



January 2015)






i. Intermediary Bank charges USD20 per paymentf) Charges for insufficient funds in theAccount

RM5 per transaction


a) Account closed within 3 months RM20b) Debit Card-i Issuance Waivedc) Debit Card-i Annual Fee Waivedd) Short Message Service (SMS) RM1 per month for those

customers who sign upe) Replacement of Debit Card-i RM10f) Conversion for Overseas Transaction If the Cardholder uses the

Debit Card-i for transactions ina currency other than RinggitMalaysia, such amount shall beconverted at the exchange rateas determined by VisaInternational, as the case maybe, on the date of conversionin addition to a foreigncurrency conversion cost of1.00% as well as anytransaction fee charged by VisaInternational


i. If statement is 12 months old orlesser


RM2 per page


b) Internet Bankingi. Replacement of Security Deviceii. Postage


c) Electronic Share Application RM2.50 per transaction

17


















4 Financing 26


4.2 Home Smart-I 26



5 Credit Card 30







9 Bank Statement 36

1. Deposit Accounts1.8 Foreign Currency Account-i

Account Opening Fee RM100 to be collected uponaccount opening (100% waivedif customer opens DualCurrency Investment-i orStructured Investment-i on thesame day, 50% waived forPremier, and AdvanceAccount-i customers)

Annual Fee RM100 to be collected onanniversary dateWaiver only for Premier,Advance Account-i, StructuredInvestment-i and DCI customers

Maintenance Fee RM10 per month (if aggregatedbalance is less than RM20,000as equivalent)

Transaction Fee Type of Transactionaccounts fee per

transactionUSD USD4GBP GBP3AUD AUD6SGD SGD6EUR EUR4CHF CHF6HKD HKD30CAD CAD6NZD NZD6CNY CNY30

Bank Statement Retrievali. If statement is 12 months old or

lessii. If statements is more than 12

months old

RM2 per page


18


















4 Financing 26


4.2 Home Smart-I 26



5 Credit Card 30







9 Bank Statement 36

1. Deposit Accounts1.9 Everyday Global Account-iAccount Fee Account Opening Fee NIL

Minimum Initial Deposit NILAccount Annual Fee NILAccount Maintenance Fee Waived

Dormant Account For activation of dormant account NILFor account with aggregated balancesup to RM10 equivalent

The account will be closed andthese balances will be absorbedby the Bank as acharge.

For account with aggregated balancesgreater thanRM10 equivalent

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

Bank StatementRetrieval Fee

If statement is 12 months or less RM2 per pageIf statement is more than 12 monthsold

RM2 per request + RM2 per page

Transaction Charges Cash withdrawal at VISA PLUSNetwork

RM10 per transactionWhere there are insufficientfunds in the supported or non-supported foreign currencies thewithdrawn amount will beautomatically converted toMalaysia Ringgit at the exchangerate determined byVISA International on the dateof conversion in additionto a foreign currency conversioncost of 1% as wellas any transaction feecharged by VISA International.

Cash withdrawal fee within HSBCMalaysia ATM Network

NIL

Cash withdrawals at MEPS SharedATM Network

Premier – Waived for the first 3transactions. Subsequenttransaction at RM1Advance – Waived for the first 2transactions. Subsequenttransaction at RM1Basic Banking – RM1 pertransaction

19


















4 Financing 26


4.2 Home Smart-I 26



5 Credit Card 30







9 Bank Statement 36

1. Deposit Accounts1.9 Everyday Global Account-i

Cash withdrawal fee on overseasHSBC Group ATM Network (GATS)

Premier – WaivedAdvance & Basic Banking – RM5per transaction. Where there areinsufficient funds in thesupported and non-supportedforeign currencies, thewithdrawn amount will beautomatically converted toMalaysia Ringgit at the prevailingHSBC exchange rate as publishedon HSBC’s Website.

Conversation for Overseas POSTransaction

NIL for transactions that areperformed and settled in thesupported currencies.Transactions that are performedin foreign currencies and settledin Malaysia Ringgit MYR aresubject to conversion at theexchange rate as determined byVISA International, on the date ofconversion in addition to aforeign currency conversion costof 1% as well as any transactionfee charged by VISA International

Others Fees, Chargesor Penalties

Debit Card-i Issuances Fee Waived

Debit Card-I Recurring Annual Fee WaivedReplacement of Debit Card-i RM10 (waived for lost/stolen

with a police report provided)Sales Draft Retrieval Fee RM20 per copyTransaction Charges (Applicable toTelegraphic Transfers involving thesame FCY denomination only i.e. AUDto AUD, or USD to USD). This chargesexcludes cable charges.

USD – USD4 per transactionGBP – GBP3 per transactionAUD – AUD6 per transactionSGD – SGD6 per transactionEUR – EUR4 per transactionHKD – HKD30 per transactionCAD – CAD6 per transactionNZD – NZD6 per transactionJPY – JPY400 per transactionSAR – SAR15 per transaction

Standing Instructions Penalty Chargesfor Insufficient Funds

RM5 per transaction

Global Transfer Fee Me2Me via Internet Banking Premier & Advance - WaivedMe2Others Transfer via InternetBanking

Premier & Advance - Waived

20


















4 Financing 26


4.2 Home Smart-I 26



5 Credit Card 30







9 Bank Statement 36

1. Deposit Accounts1.10 Term Deposit-iTerm Deposit-i a)Copy of Customer Request Term

Deposit-i AdviceRM5 per copy

2. Current Accounts2.1 Current Account-iAccount Fee Account Fee RM5 per month (if average

credit balance is less thanRM5,000 per month)

Transaction Charges a) For average credit balance of morethan RM5,000 per month

i. ATM Cash Withdrawalii. Clearing Cheque Debit

WaivedWaived


i. ATM Cash Withdrawal (ifexceeding 4 transactions permonth)

ii. Clearing Cheque Debit (ifexceeding 4 transactions permonth)

RM1 per transaction

RM1 per transaction

21


















4 Financing 26


4.2 Home Smart-I 26



5 Credit Card 30







9 Bank Statement 36

2. Current Accounts2.1 Current Account-iTransaction Charges c) Cash withdrawals at MEPS Shared

ATM NetworkRM1 per transaction

d) MEPS Instant Transferi. Transaction done below or equal

to RM5,000ii. Transaction done above


Free







Dormant Account a) With balances up to RM10 Account will be closed andbalances will be absorbed bythe Bank as a charge


c) Transfer of credit balances toRegistrar Of Unclaimed Monies on the7thyear of account dormancy

Waived

d) Activation of Dormant Account WaivedCheque Related Feesand Charges

a) Inward Clearing Cheque –Processing Fee

i. Before 2nd January 2015ii. With effect from 2nd January

2015*Exception for cheque return reasonsbelow :i. Cheque already paid/Duplicate

Paymentii. Wrongly encoded/Encoding erroriii. Incorrect Data Capture


b) Cheque Book Issuancei. Stamp Dutyii. Courier Charges






22


















4 Financing 26


4.2 Home Smart-I 26



5 Credit Card 30







9 Bank Statement 36

2. Current Accounts2.1 Current Account-iCheque Related Feesand Charges

e) Deposit of Foreign Cheque/Drafti. Commission on cheques issued

ii. Stamp dutyiii. Other chargesiv. Postage Charges



0.1% of cheque amountMinimum charge: RM10Maximum charge: RM100RM0.15 per chequePaying Bank’s Charges

RM46 per cheque

RM1.50 per cheque



Waived


RM2 per transaction


i. SI Commissionii. Demand Draft Issuediii. Postageiv. Processing Fee (Effective 1st

April 2015)






i. Intermediary Bank charges USD20 per paymentf) Penalties charges for insufficientfunds in the Account

RM5 per transaction


a) Account closed within 3 months RM20b) Debit Card-i Issuance RM8c) Debit Card-I Annual Fee RM8d) Short Message Service (SMS) RM1 per month for those

customers who sign upe) Replacement of Debit Card-i RM10f) Conversion for Overseas Transaction If the Cardholder uses the

Debit Card-I for transactions ina currency other than RinggitMalaysia, such amount shall beconverted at the exchange rateas determined by VisaInternational, as the case maybe, on the date of conversionin addition to a foreigncurrency conversion of cost of1.00% as well as any transactionfee charged by VisaInternational

23


















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9 Bank Statement 36

2. Current Accounts2.1 Current Account-iOther Fees, Chargesor Penalties

g) Sales draft retrieval request fee RM20 per copy

Other Services a) Bank Statement Retrievali. If statement is 12 months old or

lesserii. If statement is more than 12

months old

RM2 per page

RM20 per request + RM2 erepage




2.2 Basic Current Account-iAccount Fee Account Fee RM10 per half year (if average

credit balance of less thanRM1,000 is maintained duringthe half year)

Transaction Charges a) ATM Cash Withdrawals (if exceeding8 transactions per month)

RM1 per transaction

b) Self-services deposits Waivedc) Cash withdrawals at Visa PLUS ATMNetwork


d) Cash withdrawals at overseas HSBCGroup ATMs

RM5 per transaction

e) Cash withdrawals at MEPS SharedATM Network

RM1 per transaction

f) MEPS Instant Transferi. Transaction done below or



Free


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





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9 Bank Statement 36

2. Current Accounts2.2 Basic Current Account-iDormant Account a) With balances up to RM10 Account will be closed and

balances will be absorbed bythe Bank as a charge


c) Activation of Dormant Account WaivedCheque Related Feesand Charges

a) Inward Clearing Cheque –Processing Fee

i. Before 2nd January 2015ii. With effect from 2nd January

2015*Exception for cheque return reasonsbelow :i. Cheque already paid/Duplicate

Paymentii. Wrongly encoded/Encoding erroriii. Incorrect Data Capture


b) Cheque Book Issuancei. Stamp Dutyii. Courier Charges

RM 0.15 per chequeRM5

c) Stop Payment Instruction onCheque

i. With sufficient fundsii. With insufficient funds




e) Deposit of Foreign Cheque/Drafti. Commission on cheques issued

ii. Stamp dutyiii. Other chargesiv. Postage Charges

- Draft/Cheque aboveUSD10,000 (denominated isUSD only)


0.1% of cheque amountMinimum charge : RM10Maximum charge : RM100RM 0.15 per chequePaying Bank’s charges

RM 46 per cheque

RM1.50 per cheque



Waived


RM2 per transaction



January 2015)


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2. Current Accounts2.2 Basic Current Account-iStanding Instructions(SI)





i. Intermediary Bank charges USD20 per paymentf) Penalty charges for insufficientfunds in the Account

RM5 per transaction


a) Account closed within 3 months RM20b) Debit Card-i Issuance Waivedc) Debit Card-I Annual Fee Waivedd) Short Message Service (SMS) RM1 per month for those

customers who sign upe) Replacement of Debit Card-i RM10f) Conversion for OverseasTransaction

If the Cardholder uses theDebit Card-I for transactions ina currency other than RinggitMalaysia, such amount shall beconverted at the exchange rateas determined by VisaInternational, as the case maybe, on the date of conversionin addition to a foreign currencyconversion cost of1.00% as well as any transactionfee charged by Visa International


i. If statement is 12 months oldor less


RM2 per page


b) Internet Bankingi. Replacement of Security Deviceii. Postage

RM50 per deviceRM5-10 within Malaysia)Relevant courier or registeredmail charges apply (outsideMalaysia)

c) Electronic Share Application RM2.50 per transaction

3. Emergency EncashmentEmergencyEncashment

HSBC Group Offices’ customerrequesting emergency encashmentfrom HSBC/HSBC Amanah Malaysia

Waived

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9 Bank Statement 36

4. Financing4.1 Amanah Personal Financing-iEarly Settlement Fee Pre-mature settlement effective 1 July

20121 month noticeNIL

Processing Fees NILLate PaymentCharges

1% per annum on the overdueinstalment amount (during thefinancing tenure)At a rate not exceeding theprevailing IIMM-rate on theoutstanding amount financed(after the tenure of the APF-Iof after judgement is obtained,whichever is earlier).IIMM-rate is the daily weightedaverage overnight rate forMudharabah interbankinvestment quoted in Malaysia’sIslamic interbankmoney market.

4.2 Home Smart-iMonthly Service Fee Monthly Service Fee RM10Additional RentalCharges

Additional Rental Charges RM40 per month will becharged if the averageutilization rate (AverageOutstanding Balance dividedby Current Month FacilityLimit) for the month is lessthan 50%. Only applicableupon full disbursement of thehome financing and applicablefor the period of 5 years fromthe full disbursement date.

Late PaymentCharges

Late Payment Charges 1% per annum on the overdueinstalment amount (during thetenure of the home financing)At a rate not exceeding theprevailing IIMM-rate on theoutstanding amount financed(after the tenure of the homefinancing or after judgement isobtained).IIMM-rate is the daily weightedaverage overnight rate forMudharabah interbankinvestment quoted inMalaysia’s Islamic.

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4. Financing4.2 Home Smart-iEarly SettlementCharges within Lock-in Period

(1.75% X Facility Amount XNumber of remaining monthswithin the Lock-in Period) /Total Lock-in Period in months

Retrieval/Photocopyof SecurityDocuments

Retrieval/Photocopy of SecurityDocuments

RM10 per document

Confirmation Letterfor Withdrawal fromthe EmployeeProvident Fund (EPF)

With document

Without document

RM10 per document andmaximum RM20NIL

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9 Bank Statement 36

4. Financing4.3 Home Financing-iRedemptionStatement Fee

Issuance of redemption statement RM50 per account per requestbasis

Late PaymentCharges

Late Payment Charges 1% per annum on the overdueinstalment amount (during thetenure of the home financing)At a rate not exceeding theprevailing IIMM-rate on theoutstanding amount financed(after the tenure of the homefinancing of after judgement isobtained).IIMM-rate is the daily weightedaverage overnight rate forMudharabah interbankinvestment quoted in Malaysia’sIslamic interbankmoney market.

Early SettlementCharges withinLockingPeriod




RM10 per document


With document

Without document


4.4 Business Premises Smart-I (Individual Customer)Monthly Service Fee Monthly Service Fee RM10Additional RentalCharge

Additional Rental Charge RM40 per month will be chargedif the average utilization rate(AverageOutstanding Balance dividedby Current Month FacilityLimit) for the month is lessthan 50%. Only applicableupon full disbursement of thehome financing and applicablefor the period of 5 years fromthe full disbursement date.

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4. Financing4.4 Business Premises Smart (Individual Customer)Late PaymentCharges

Late Payment Charges 1% per annum on the overdueinstalment amount (during thetenure of the home financing).At a rate not exceeding theprevailing IIMM-rate on theoutstanding amount financed(after the tenure of the homefinancing of after judgement isobtained).IIMM-rate is the daily weightedaverage overnight rate forMudharabah interbankinvestment quoted in Malaysia’sIslamic interbankmoney market.

Early SettlementCharges within Lock-in Period




RM10 per document


With document

Without document


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9 Bank Statement 36

5. Credit Card5.1 MPower Visa/MPower Visa Platinum/Advance Visa Platinum & Premier MasterCard Credit Card-iAnnual Fee Card Type

i. MPower Credit Card-iii. MPower Platinum Credit Card-iiii. Premier MasterCard Credit Card-i

Primary SupplementaryWaived WaivedRM240 RM120Waived Waived

NoteThe following annual fees are applicable to cardholders who were upgraded/converted by theBank under the Credit Card’s Upgrade/Conversion Initiative on 1 January 2016Card Typei. MPower Platinum Credit Card-i

(upgraded fromMPower VisaCredit Card-i)

ii. MPower Credit Card-i(conversion from Advance VisaPlatinum)

Primary SupplementaryRM90 RM45

Waived Waived

NoteWaived if swipe one time per month for consecutive of 12 months (No minimum spend isrequired). The above condition is applicable to all credit card/I opened since year 2011 (exceptPremier Travel Card).

Service Tax (chargedannually)

Primary SupplementaryRM25 RM25

Management Charges a) Fixed Monthly Management Feei. MPowerii. MPower Platinum/Premier

MasterCard

RM1,125.00RM2,250.00

b) Actual Monthly Management Fee Base on tiered pricing :Tier I :Cardholders with promptpayments for 12 consecutivemonths will enjoy 15% p.a.Tier II :Cardholders with promptpayments for 10 months ormore in last 12 months willenjoy 17% p.a.Tier III :Cardholders who do not fallunder the above categorieswill enjoy 18% p.a.

c) Rebate At Bank’s absolute discretion :Based on the differencebetween the Fixed MonthlyManagement Fee at therelevant Statement Date orwhere the Actual MonthlyManagement Fee on theCurrent Balance is lesser thanthe Fixed Monthly ManagementFee

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9 Bank Statement 36

5. Credit Card5.1 MPower Visa/MPower Visa Platinum/Advance Visa Platinum & Premier MasterCard Credit Card-iManagement Charges d) Cash Advance 18% of the cash advance

amount calculated on a dailybasis

e) Balance Transfer Up to 18% p.a. of the amounttransferred, calculated on adaily basis for a fixed duration.

f) Cash Installment Plan Up to 18% p.a. of the balanceaccrued from Cash InstalmentPlan amount, calculated onreducing balance basis.

g) Auto Balance Conversion Plan Up to 18% p.a. of the balancesaccrued from Auto BalanceConversion Plan amount,calculated on reducing balancebasis.

MinimumMonthlyPayment

5% of the outstanding balanceor a minimum of RM50,whichever is higher.Effective: 2 Oct 2019, It willBe revised to:5% of the Current Balance +100%Monthly instalment ofCredit Card Instalment Plan (ifany) + and any unpaidminimum Payment specified inthe preceding months' Cardstatement, OR RM50,whichever is higher.

Cash Advance Fee RM50 for each transaction andmaximum limit is RM1,000 perwithdrawal

Late PaymentCharges

Minimum if RM10 or 1% of theoutstanding balance,whichever is higher capped toa maximum of RM100

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9 Bank Statement 36

5. Credit Card5.1 MPower Visa/MPower Visa Platinum/Advance Visa Platinum & Premier MasterCard Credit Card-iConversion forOverseas Transaction

If the Cardholder uses theCredit Card-i for transaction ina currency other than RinggitMalaysia, such a mount shallbe converted at the exchangerate as determined by VisaInternational or MasterCardInternational, as the case maybe, on the date of conversionin addition to a foreigncurrency conversion cost of1.00% as well as any transactionfee charged by Visa Internationalor MasterCard International.

Grace Period 20-days management-fee free isgranted on all transactions(Except Balance Transfer/CashAdvance) provided alloutstanding balances as per themonthly statement of theprevious month are fully settled.

Replacement card fee RM50 per cardSales draft retrievalrequest fee

RM20 per copy

Refund of credit card-i access balance via

a) Interbank GIRO (IBG)b) Cashiers Order

RM2 per transactionRM2 per transaction

Other Services a) Credit Card-i Statement Retrievali. If statement is 12 months old or

lessii. If statement is more than 12

months old

RM2 per page


b) Credit Card Paper Statement Fee(Effective 01 January 2021)

RM1.50 per each credit card-Istatement

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9 Bank Statement 36

6. Remittance & Payment Services6.1 Domestic PaymentsPurchased of localDraft

a) Purchase of local draft viaapplication form

i. Processing Fee

RM2 per draft

RM0.50 per draftb) Purchase of local draft via

i. Telebankingii. Internet Banking

RM2 per draftRM2 per draft

Cancellation/Repurchase of localDraft

Cancellation/Repurchase of local draft(except for MIDF/MIH new shareissue)

RM2 per draft

Purchase of ForeignCurrency DemandDraft (DD)

a) Up to RM5,000 equivalent- Processing Fee

RM2 per draftRM0.50 per draft

b) Above RM5,000 equivalent- Processing Fee

WaivedRM0.50 per draft

c) Paying Bank Chargesi. ZAR DDii. CAD DDiii. CHF DDiv. EUR DD Drawn in Spainv. AUD DD of Value

- Up to UAD99- AUD100 – AUD499- AUD500 – AUD4,999- AUD5,000 – AUD9,999- AUD10,000 and above

RM5 per draftRM1.50 per draftRM33 per draftRM12 per draft

RM1 per draftRM2 per draftRM5 per draftRM8 per draftRM11 per draft

Encashment ofDema