View our service status to see how we're doing, Careers, media, investor and corporate information. You can find all our coronavirus guidance here. It should include the exchange rate and cost of the purchase when converted to pounds, plus the non-sterling transaction fee and non-sterling cash fee if you’ve withdrawn money with your card. With a credit card the cash fee may be around 3% (minimum £3). You may be charged a fee to make purchases or withdraw cash from ATMs in a foreign currency. If you use your credit card to withdraw cash or make purchases abroad, interest charges will apply in the same way they do at home. The HSBC Rewards Credit Card has a 2.99% Non-Sterling Transaction Fee. Most of the time when you use your debit card for a non-sterling transaction, a fee is applied. For HSBC customers there's a non-sterling cash fee of around 2% (minimum £1.75) on withdrawals using a debit card. Please only call us if it’s urgent, so we can help those most in need. Taking your cards with you when you travel outside the UK means you won’t have to rely on just cash. If you choose to convert to pounds sterling at the point of sale, the conversion rate is set by the merchant and fees can often be high. The card also offers 2 HSBC Reward Points for every £1 you spend abroad i.e. Should you use your card or travel money abroad? You should always have the right to select which currency to pay in. This is set as a percentage of the amount spent or withdrawn, but might have upper and lower limits. These are the three charges you need to be aware of. Per transaction limit for cash withdrawal at Non-HSBC ATMs in India. If you choose to convert to GBP at the point of sale, the conversion rate is set by the merchant and fees can often be high. Non-sterling cash fee If you use your card to withdraw money from a cash machine, there's often a separate ATM fee on top of the non-sterling transaction fee. Paid in Philippine Pesos PHP1,000 plus DST of PHP0.60 for every PHP200 or fraction thereof PHP1,000 plus DST of PHP0.60 for every PHP200 or fraction thereof Paid in USD/FCY USD50 USD50 . The fees will be applied on the entire transaction amount regardless of the points used. Usually, a foreign transaction fee is around 3% of the purchase price. See our help and support pages for guidance and to find out what you can do through online and mobile banking. Value of your current system may be applied in the direction of purchase of a new Apple device. You’ll usually be charged a fee to convert the currency if you use your card outside the UK: If you pay in the local currency, a non-sterling transaction fee may be added to the cost of your purchase. Explore more: Should you pay in local currency abroad? You can … The total amount is converted to GBP when the transaction is debited to your account. For a non-Amex card, this is a solid return. March 1, 2021 by advcash. If you use your card to withdraw money from a cash machine, there's often a separate ATM fee on top of the non-sterling transaction fee. If you’re an HSBC Premier or Advance customer, you won’t be charged a non-sterling cash fee for using your debit card to withdraw money from an ATM abroad. You may be charged a fee to make purchases or withdraw cash from ATMs in a foreign currency. For HSBC customers, this is typically 2.75 per cent for debit cards and 2.99 per cent for credit cards. For HSBC customers there's a non-sterling cash fee of around 2 per cent (minimum £1.75) on withdrawals using a debit card. Preferential Overdraft Interest Rate Assumed limit £1,200: 0% EAR (variable) on the first £25, 17.9% EAR (variable) thereafter, giving a representative rate of 17.5% APR (variable). This is normally around the 2.75% mark and is charged on the sterling amount spent. Service Fee for Foreign Currency Transactions5 2.5% of the converted sum plus reimbursement of the assessment fee charged by Visa/MasterCard to HSBC equivalent to 1% of the converted sum HIP Pre-termination Processing Fee PHP500 for each HSBC Installment Plan transaction pre-terminated The fee will be a percentage of the value of the transaction. For HSBC customers there's a non-sterling cash fee of around 2 per cent (minimum £1.75) on withdrawals using a debit card.