Welcome to

HSBC Passport

Whether youre here to work or to study,

we understand that moving
to a new country can be a difficult
and challenging experience.
HSBC Passport offers you a unique relocation service designed to make
your new start in the UK as smooth and hassle free as possible. We sort
out the basics, so you can get on with the important things, like studying
or finding a new job and a place to live.
HSBC Passport makes your move that much easier, we even provide all
the key features in eight languages.

Did you know?

We are a principal member of the HSBC Group, one of the

worlds largest banking and financial services organisations
with around 7,500 offices in 87 countries and territories.

HSBC Passport
If youre new to the UK, HSBC Passport is a tailored
service designed to offer you:

} A bank account
Stay in control of your money 24 hours a day.

} An HSBC Visa Debit Card

Shop online, over the phone and on the high street.
Withdraw cash from ATMs in the UK and abroad*.
Make regular, automated payments from your account.

} Competitive international money transfers

Send money home at a discounted rate.

Western Union gold!+ card*

}
Earn points and make savings on transaction fees when
you send cash back home.

} A SIM card for your mobile and Text Banking

10 pre-loaded credit plus 75 free international minutes.

FREE calls to HSBC Telephone Banking*

}

Dial 4722 from your Talkmobile phone.

} An exclusive UK relocation service from red24

Feel informed and secure with multi-lingual relocation advice,
online and over the phone in eight languages.

} A savings account
Instant access to your savings with a Flexible Saver Account.
*See Important notes on page 10 of this brochure.

Banking made easy

HSBC Passport is designed to meet all
your banking needs, so you can be relaxed
and confident about managing your
finances when you arrive in the UK.
With HSBC Passport, youll receive a fully
functional debit card, allowing you 24-hour
access to your money. Youll also be able
to choose exactly how you control
your money at our branches by phone
or via the internet, enjoy competitive rates
for transferring money back home or start
to save with a Flexible Saver Account.
HSBC Passport has an initial fixed term
of 12 months and is renewable monthly
afterwards. HSBC Passport currently has
an 8 per month fee. After 12 months
youll have the option to stay with HSBC
Passport or well help you find the right
HSBC account for your changing needs.
HSBC Passport has a 14 day cancellation
period. See Important notes on page 11
of this brochure for further details.

HSBC Passport Bank Account

For your everyday banking needs,
salary and expenses
We understand that you wont have
any credit history when you arrive in the
UK. However, when you open an HSBC
Passport Bank Account, we guarantee that
you will get a fully functional debit card
allowing you to:
Pay for goods and services on the high
}
street, over the phone and online.

Use any of 59,000 LINK ATM machines

}
in the UK.

Withdraw money from cash machines

}

worldwide, wherever you see the logo

shown on your card*.

Access your account 24 hours a day

}
via Telephone and Internet Banking.

Set up standing orders and Direct

}

Debits to make regular payments like

your rent or mobile phone bills.

Keep track of your money online or

}

with quarterly paper statements to your

UK address.

Receive your first paper statement after

}

you make a transaction on your account.

Flexible Saver Account

For you to save money
Once youve found a job and started
earning, you may want to start saving.
Thats why with HSBC Passport, youll
also receive a Flexible Saver Account.
Its perfect for those new to the UK as
it doesnt tie you down. It allows you
instant access to your money while you
save. Youll receive a paper statement
every 6 months and you can keep track
of your account online or over the phone.
From time to time, we also offer Regular
Saver accounts which allow you to save
from as little as 25 a month by standing
order for a fixed term of 12 months.
The monthly subscription limit is 250.
However if you do not save the maximum
250 in any given month, you can carry
over any unused subscription to the
following months. Regular savers can save
up to a maximum of 3,000 a year into this
account. As an HSBC Passport customer
you would be entitled to a preferential rate.
Terms and conditions apply.

Competitive International
Money Transfers
The ability to send transfer funds safely
and securely can be very important to
you when youre new to the UK. For this
reason, we have designed HSBC Passport
so you can enjoy three competitive ways
of sending money back home.
*See Important notes on page 10 of this brochure.

For sending money home to

a bank account
1. HSBCPriority Payment Service
Make simple, safe and secure international
money transfers across the globe
what you would expect from the worlds
local bank.
2. HSBC Worldpay Service
This could be the right solution for you if
you want to make a payment to the value
of 2,000 or less in local currency, to one
of the following countries.
Australia, Austria, Belgium, Canada,
Cyprus, Denmark, Finland, France,
Germany, Hong Kong SAR, Ireland,
Italy, Netherlands, New Zealand, Poland,
Portugal, South Africa, Spain, Sweden,
Switzerland and the USA.
For sending money home in cash
3. Western Union gold!+ card*
With HSBC Passport, youll receive a
Western Union gold!+ card and an
exclusive 3 discount when you first
activate it. Plus, every time you complete
a transaction using your Western Union
gold!+ card, you earn points which can
be collected and used towards savings
on future transaction fees.

Relocation support
a helping hand for UK newcomers
Starting a new life in the UK is much
more than just banking. Thats why weve
teamed up with red24 ReLocate to offer
you an invaluable relocation support
service, available in 8 different languages.

Visit red24.com/relocate
Discover step-by-step information to make
your transition as easy as possible on
the red24 ReLocate website. The site is
available in eight languages and includes
key information on healthcare, transport
and employment as well as useful advice
on education, travel and leisure options
within the UK. Indepth city guides are also
available. Plus, you can email any specific
questions in your own language: youll get
a reply (in English) within 48 hours.
Why not take a look before joining?
Youll get full access to the site once
youve signed up for HSBC Passport.

Pick up the phone

If youd rather speak to someone in
person, in your own language, you can
call the 24-hour ReLocate advice line.
Calls are charged at a flat rate of 10p per
minute from a landline. Charges will vary
for mobile phone calls so we recommend
that you either use a landline or your
TalkMobile SIM card.
This red24 advice line service is available
24 hours a day in Romanian, Polish,
Spanish, French, Czech, Slovak, Mandarin
and English.

Online application assistance

Need help with your HSBC Passport
application? Call red24 on 0203 291 2037
or email passportapp@red24.com for
step-by-step guidance on completing
the online application.

Feel informed and connected

It takes time to feel at home in a foreign
country. Yet a little extra knowledge of
your new environment and the ability to
contact loved ones back home can really
help you to feel connected. With this in
mind, HSBC Passport is pleased to offer
you these additional benefits.

Talkmobile SIM card

The UK in your pocket

With Talkmobiles new Globetalker SIM

card, youll get:

Our pocket guides to the UK and London

are great for helping you to settle into
your new neighbourhood. They include
information on the UKs main cities plus
more general advice about living and
working here.

and the rest of the world too

If you want to find out more about the
UK or plan to travel further afield, you can
receive a 25% discount off Lonely Planet
travel guides. Please note, this offer is
only available through the Lonely Planet
online shop at lonelyplanet.com/shop.

Its hard being away from home. The only

thing that stops you from feeling too
homesick is being in regular contact with
family and friends. So HSBC have teamed
up with Talkmobile to give you a Pay As
You Go SIM card.

10 pre-loaded credit
}

An extra 75 free international minutes
}
to call whoever you want back home

FREE international minutes every time

}
you top-up your Globetalker SIM

L
ow cost international calls and free
}

voicemail

FREE call to HSBC Telephone Banking*

}
by dialling 4722 from your Talkmobile
phone
Great value calls and convenience from
}

your mobile avoid the hassle of calling

cards or setting up a landline

Up to 20%off selected handsets*

}
For more information, visit
talkmobile.co.uk/hsbcpassport

*See Important notes on page 10 of this brochure

Spread the word...

and enjoy 10 for every

friend you recommend
Introduce somebody new to HSBC Passport and youll get 10 each to say thank you.
Theres no limit to the number of people you recommend. So the more colleagues,
employees, relatives or friends you tell about HSBC Passport, the more money you
could receive.

To find out more about HSBC Passport

Click hsbc.co.uk/passport
Call 0800 130 130
(Textphone 1800 10800 028 0126) or

Come in and see us in your local branch.

See Important notes on page 10 of this brochure.

Getting started is easy

We just need to confirm who you are and where youve come from. We will need you to
bring in one form of identification and one non-UK address verification to your local branch.

Identification

Non-UK address verification

Valid Passport

Drivers Licence (must include address,

signature and photograph)

Valid National Identity Card

Please note:
We do not accept online bills or statements.
National Identity Card cannot be used to both prove
identification and verification of address.
Gas, Electricity and Telephone Bills, letters from
university, college or language schools and Bank
Statements must be dated within the last three
months at the time that account opening is
completed (when you arrive in the UK).
We may undertake further checks and request
additional information.
Non-UK means your home country, the place you
are relocating from.

Valid National Identity Card

Bank, building society or credit union
statement
Gas or electricity bill
Telephone bill
(mobile phone bills are not accepted)
Letter from a UK employer, in English,
on official headed paper
If you are an international student:
Letter from a UKuniversity, college or
recognised language school, in English, on
headed paper with the schools address,
signed and dated, stating the duration of
your course and your non-UK address

What happens next?

Once your account has been opened, the following will occur:
Your card will be ordered.
}
A PIN number will be sent to your UK address in three to five working days.
}
As soon as you make your first deposit, you will receive a statement which you can then
}
use as UK identification.

10

Important notes
General
HSBC Bank plc is established at 8 Canada
Square, London E14 5HQ, its registered office.
In the UK, HSBC Bank plc is authorised and
regulated by the Financial Services Authority
and registered in the Financial Services
Authority register with the registration
number 114216. In the UK, HSBC Bank plc
is also licensed by the Office of Fair Trading
to carry on a consumer credit business,
licence number 6343. HSBC Bank plc,
PO Box 14, St Helier, Jersey JE4 8NU.
HSBC Bank International Limited, HSBC
House, Esplanade, St Helier, Jersey JE1 1HS.
HSBC Bank plc and HSBC Bank International
Limited are licensed by the Jersey Financial
Services Commission for Banking and
Investment Business, licensed by the
Guernsey Financial Services Commission for
Banking, Insurance and Investment Business
and licensed by the Isle of Man Financial
Supervision Commission for Banking and
Investment Business.
Our terms and conditions and our dealings
with you up until the time your account is
opened are governed by the laws of England
and Wales for accounts held in the UK or, for
accounts held in the Channel Islands or the
Isle of Man, by the laws of the Island where
your account is held. Further information
and written details about our products
and services are available from any of our
branches or from Customer Information,
PO Box 757, Hemel Hempstead,
Hertfordshire, HP2 4SS.
We reserve the right to decline applications
for any product, account or service. Our credit
facilities are subject to status.
We are required by law to tell you that the
terms and conditions are in English and we
will communicate with you in English.
We are covered by the Financial Services
Compensation Scheme (FSCS). The FSCS can
pay compensation to depositors if a bank is
unable to meet its financial obligations. Most
depositors including most individuals and
small businesses are covered by the scheme.

In respect of deposits, an eligible depositor is

entitled to claim up to the current FSCS limit
for deposits. For joint accounts each account
holder is treated as having a claim in respect
of their share so, for a joint account held by
two eligible depositors, each depositor would
have a separate claim up to the FSCS deposit
limit and so the maximum amount that could
be claimed in total would be twice the current
FSCS deposit limit. The FSCS deposit limit
relates to the combined amount in all the
eligible depositors accounts with the bank,
including their share of any joint account, and
not to each separate account.
First Direct and HSBC are both trading names
of HSBC Bank plc and customers who hold
deposits under both trading names will only
be eligible for one claim of up to the FSCS
deposit limit in total.
For further information about the scheme
(including the current limits, amounts covered
and eligibility to claim) please ask at your local
branch, refer to the FSCS website www.FSCS.
org.uk or call the FSCS on 020 7741 4100 or
0800 678 1100. For all other enquires on your
account please contact HSBC on 08457 404 404.
Deposits made with our branches in the Channel
Islands and the Isle of Man are not protected by
the rules made under the UKs Financial Services
and Markets Act 2000 for the protection of
retail clients, including the UK Financial Services
Compensation Scheme and the Financial
Ombudsman Service. In Jersey, HSBC Bank Plc
is a participant in the Jersey Banking Depositor
Compensation Scheme. The Scheme offers
protection for eligible deposits of up to 50,000.
The maximum total amount of compensation
is capped at 100,000,000 in any 5 year period.
Full details of the Scheme and banking groups
covered are available on the States of Jersey
website or on request. In Guernsey, HSBC Bank
plc is a participant in the Guernsey Banking
Deposit Compensation Scheme established
by The Banking Deposit Compensation
Scheme (Bailiwick of Guernsey) Ordinance,
2008. Deposits made with our branches in the
Isle of Man are protected by the Isle of Man
Compensation of Depositors Regulations 2010.
Full details available on request.

11

If you have a complaint please let your

local branch manager or the manager of
the department concerned know. We will
endeavour to resolve your concerns and put
matters right. If your complaint is not settled
to your satisfaction you may be able to refer
it to the Financial Ombudsman Service in the
UK, the Financial Services Commissions in
Jersey or Guernsey and the Financial Services
Ombudsman Scheme for the Isle of Man.
Our Listening to your comments leaflet
contains further details.

Passport
This brochure only sets out a summary of
HSBC Passport. HSBC Passport is subject
to status. HSBC Passport is only available to
customers aged 16 or over. We will tell you
if your application has been successful and
when we will open your account. This may be
subject to appropriate identification, address
verification or other specified documentation
being produced to us. HSBC Passport and
the products/services available through HSBC
Passport are subject to terms and conditions
which you will be given when you apply.
You can cancel HSBC Passport either: if you
apply for HSBC Passport when you are not in
the UK, 14 days after you attend at your UK
branch to complete all necessary formalities,
or if you are already in the UK when you apply
for HSBC Passport, 14 days after the date
we opened your account. In both of these
situations, there will be no charge.
If you choose to cancel HSBC Passport within
the cancellation period you must return all items
provided to you under the HSBC Passport Service
in new and unused condition. After the 14 day
cancellation period, you will not be able to close
HSBC Passport within the initial 12-month period
and you will be required to make the monthly
fees during this time.
You are not liable for any transactions
undertaken if your HSBC Bank international
debit card is misused by someone who
obtained it without your consent. We may
investigate and ultimately hold registered
cardholders liable if we believe/prove that

the cardholder was negligent, or participated/

assisted in the completion of the fraudulent
transactions. Please see our General Terms
and Conditions, Current Account Terms and
Conditions and Savings Account Terms and
Conditions for more information.
Some cash machine operators may apply a direct
charge for cash withdrawals and this will be
advised on the screen at the time of withdrawal.
You will not be charged for using HSBC Bank
ATMs in the UK.

UK currency cash machine

You can use your debit card to make cash
withdrawals in Euros or US Dollars from some
of our self-service machines. The HSBC
prevailing exchange rate and the amount of
currency you will receive and the Sterling
amount will be shown on the screen. The
amount of the cash withdrawal converted into
Sterling will be deducted from your account
balance immediately.

Using your card abroad

General: The exchange rate that applies to
any foreign currency debit card payments
(including cash withdrawals) is the wholesale
market rate used by VISA applying on the
day the conversion is made plus our foreign
exchange charge, which is currently 2.75% of
the applicable VISA wholesale rate. We will
make the conversion and deduct the payment
from your account once we receive details of
the payment from VISA, at the latest the next
working day. Details of the current wholesale
market rates can be obtained by calling us on
the usual telephone numbers.
Cash Machines: There is an ATM transaction
fee currently 2% (minimum 1.75, maximum
5.00) for withdrawing cash at cash machines
overseas. We will deduct the amount of the
transaction fee from your account once we
receive details of the payment from the card
scheme, at the latest the next working day.
Some cash machine operators may apply a
direct charge for withdrawals from their cash
machines and this will be advised on screen
at the time of withdrawal.

12

Shops and retailers: There is no transaction

fee for using your debit card to pay for goods
and services overseas.
Our Internet Banking and Telephone
Banking services are subject to scheduled
maintenance periods.
Lines are open 8am to 10pm every day
(excluding Christmas Day, Boxing Day and
New Years Day). To help us continually
improve our service and in the interests of
security, we may monitor and/or record your
communications with us.

Talkmobile
Calls to 4722 are free from your Talkmobile
phone, calls to all other HSBC phone numbers
are chargeable at the standard rate.
Your Talkmobile SIMcard will be provided
to you by Carphone Warehouse and your
contract for the phone and any calls you make
will be directly with them. Information about
Talkmobile SIMcard has been provided by
Carphone Warehouse. Handset saving is based
on the handset only price in The Carphone
Warehouse Phone Guide.

Western Union
Your Western Union gold!+ card will be
provided to you by Western Union and
your contract for the card or by otherwise
participating in the Programme, will be with
them. Information about your Western Union
gold!+ card has been provided by Western
Union. To benefit from all of the gold!+ cards
advantages your card can only be used by you.
The 3 discount only applies when you first
activate your card.

red24
The ReLocate service is provided to you by
red24. HSBC are not responsible for information
or advice given.

Lonely Planet
Simply type your discount code PASSPORT25LP
into the promo code box on checkout for the
discount to be applied. For promotion terms visit
http://www.lonelyplanet.com/about/shop_faq.
cfm#pro1. Promotion is valid on UK deliveries
only and excludes postage and packaging. Offer
may not be combined with other special offers,
discounts, promotions or pre-discounted items.
Valid on all print versions and digital chapters,
where applicable, except India: Essential
Encounters or Australia: 42 Great Landscape
Experiences. Offer ends 31 May 2012.

Regular Saver
No withdrawals are allowed during the 12-month
term. Please note that Regular Saver accounts
are not offered all the time but when they are
available HSBC Passport customers are entitled
to a preferential rate. For details of whether
Regular Saver is presently available, and of the
preferential rate, please contact us.
If you are a higher rate tax payer you may have
to pay the higher rate of income tax on any
interest credited to your account.
For customers of branches in Jersey, Guernsey
and the Isle of Man, all interest is paid gross.
However, if you are residing in the EU, credit
interest may be subject to a retention tax. As
an alternative, you can opt to have your account
details reported ultimately to your local tax
authority. Your tax situation will depend on your
personal circumstances and we recommend
you obtain independent tax advice.
Any tax information in this leaflet is based on
our understanding of current and proposed
legislation and practice. The legislation and
practice may be subject to change.

Introduce somebody
new to HSBC Passport
and get 10 each

HSBC Passport making Banking in the UK easier

Offer valid until 31 December 2012. See over page for details...

!
How to get 10 each for you and someone new to HSBC Passport:
You (the introducer)
}
Cut out this page, complete the boxes below and pass it to your colleague, employee,
friend or relative.
Full Name

(Block Capitals)

Sort Code
Account
number

Someone new visit your local branch

}
Return this voucher to us when you open your new HSBC Passport.
Full Name

(Block Capitals)

Sort Code
Account

Conditions of 10 HSBC Passport offer

Existing Customers: 1. This offer applies to those customers who currently hold an HSBC Business
Account or HSBC Passport or have held either one in the last 2 years. 2. We will pay you 10 for each
person you recommend to us who successfully opens HSBC Passport and presents us with a voucher
with your details inserted. 3. There is no limit to the number of people that an existing customer can
recommend so long as they are not already customers of HSBC Bank plc.
Recommended Customers: 1. The new applicant must take the completed voucher into a HSBC Bank
branch in the UK when applying for HSBC Passport. 2. The initial application can be made online but the
HSBC Passport will only be deemed opened once the account opening formalities have been completed
in a UK branch. 3. HSBC Passport is subject to eligibility and status. 4. We will pay 10 to every
recommended person who successfully opens HSBC Passport.
General Terms: 1. This Voucher is valid until 31 December 2012. 2. The crediting of 10 can take up to
three months and will be made electronically direct in to both the existing and recommended customers
respective accounts with HSBC Bank. 3. HSBC Bank plc reserves the right to debit the 10 credit from
the recommended customers HSBC Passport Bank Account should they close it prior to the expiry of the
initial 12-month HSBC Passport fixed term. 4. Employees of HSBC are not eligible for this offer. 5. HSBC
Bank plc reserves the right to amend or vary the terms and conditions of this promotion (including the
incentive) or to withdraw it at any time without notice. 6. This offer is not transferable to another person.
 e will process your information as set out in our General Terms and Conditions and Current Account
W
Terms and Conditions.

For Bank Use Only Once completed, please submit FVQ memo TCPMGM
Issued by HSBC Bank plc. Registered in England number 14259, Registered Office, 8 Canada Square, London E14 5HQ
98465-8 MCP40189 02/12 HSBCBank plc 2012. All Rights Reserved.

15

Save time, bank online

Internet Banking fast, secure, easy to use, and best of all,
lets you manage your money when it suits you.
Register today and you can:

Security keeping you safe online

} Get access to your account 24/7, subject

As a global bank we are ideally placed to

to planned maintenance periods

} Pay bills, credit cards and make

combat the global threats of online fraud.

Our fraud teams work 24/ 7 to protect

payments to friends and family easily

you. We use both hardware and software

and securely

encryption to help protect your details.

} Instantly move money between

HSBC accounts

} View balances and keep track

of transactions

} Manage your standing orders

and Direct Debits

} Request a new PIN

} Turn off your paper statements
} Enjoy exclusive online promotions.
Registering is simple,
all you need is:

} An open and eligible HSBC current

account

} Visit hsbc.co.uk and follow the

on-screen instructions

You can help protect your account too:

} Always visit our website by typing

hsbc.co.uk in your browser bar

} Keep your PIN for your Secure Key

a secret

} Log off when you finish banking online

} Keep your PC protection up-to-date.

Welcome to the UK
HSBC Passport provides the essentials you need for
your move to the UK. Stay in control of your money,
stay in touch with home, stay informed and secure.

To find out more about HSBC Passport

Click hsbc.co.uk/passport
Call 0800 130 130
(Textphone 1800 10800 028 0126) or

Come in and see us in your local branch.

See Important notes on page 10 of this brochure.

Issued by HSBC Bank plc

Customer information: PO Box 757, Hemel Hempstead, Hertfordshire HP2 4SS
98465-8 MCP40189 02/12 HSBCBank plc 2012. All Rights Reserved. AC13480