Life’s busy — exchanging currencies should be fast, simple and better value. Whether you’re paying overseas tuition, planning a trip, or moving funds more smartly, HSBC Forex Club helps you exchange with confidence — great for first-timers and frequent FX users alike. Enjoy FX spread discounts on every eligible exchange1 — up to 30% off, plus a Welcome Reward of up to $6,888 RewardCash2,3. Exchange more, unlock bigger discounts — with no cap.
👌 Done in 3 steps — exchange instantly on mobile
Step 1: Join for free
Open the HSBC HK App > Exchange currencies > tap “HSBC Forex Club" to enrol.
Open the HSBC HK App > Exchange currencies > tap “HSBC Forex Club" to enrol.
Step 2: Make eligible exchanges
Exchange the currency you want. The more you exchange, the higher your Forex Club tier — and the bigger your FX spread discount and Welcome Reward.
(Promotional period: 15 Jul 2026 – 31 Dec 2026)
Exchange the currency you want. The more you exchange, the higher your Forex Club tier — and the bigger your FX spread discount and Welcome Reward.
(Promotional period: 15 Jul 2026 – 31 Dec 2026)
Step 3: Save more on every exchange
Keep exchanging whenever you need — every eligible transaction1 can come with a better rate.
Keep exchanging whenever you need — every eligible transaction1 can come with a better rate.
HSBC Forex Club tiers and Welcome Reward
| Green | Bronze | Silver | Gold | Platinum | |
|---|---|---|---|---|---|
| Cumulative eligible exchange amount1(HKD or equivalent) | ≤49,999.99 | 50,000.00 - 999,999.99 | 1,000,000.00 - 2,999,999.99 | 3,000,000.00 - 4,999,999.99 | ≥5,000,000.00 |
| FX spread discount2 | - | 5% off | 10% off | 15% off | 30% off |
| Welcome Reward3 | $28 RewardCash (requires HKD25,000 cumulative eligible exchange) |
$100 RewardCash | $688 RewardCash | $2,888 RewardCash | $6,888 RewardCash |
💰 Special rates for popular currencies — stackable for even more savings
Exchange any of the four popular currencies (JPY, EUR, SGD and NZD) to enjoy special promotional exchange rates. These preferential rates can be enjoyed together with your Forex Club FX spread discount2 — so you can get two benefits in one exchange, all in one app
💡 See how much you could save with HSBC
| Convert HKD to JPY 10,000,000 | Convert HKD to EUR 100,000 | |
|---|---|---|
| FX Spread Discount | 30% | 30% |
| Exchange rate before discount | 5.04020 (HKD/ JPY 100) | 9.13581 |
| Exchange rate after discount | 5.03573 (HKD/ JPY 100) | 9.12614 |
| Savings | HKD627 | HKD967 |
The exchange rates were taken on 7 September 2026 11:00am and are for reference only. Please refer to the Terms and Conditions for more details.
Still building up your tier? No worries — for a limited time, redeem a 30% off FX discount coupon with RewardCash in the Reward+ App5 and pocket instant savings.
Stay proactive and seize FX opportunities
The HSBC HK App has been fully upgraded. Easily set FX watch lists and FX order watch, receive instant alerts or complete automatic exchanges when your desired rate hits—stay in full control and capture every opportunity.
FX Watchlist
See the latest exchange rates for your favourite currency pairs at a glance, and make your move.
FX Chart
Monitor the market highs and lows, and keep an eye on foreign exchange opportunities.
Elevate your currency exchanges with more benefits and privilege
FX & Time deposit offer: Enjoy a preferential time deposit rate of up to 15.5% p.a.
You can get a bonus rate of +1% p.a. to enjoy a total rate of up to 15.5% p.a. when you exchange funds in any of the designated currencies and place a 1-week time deposit via the HSBC HK App. No new funds are required. Click here for more details.
The above interest rates are indicative as of 7 September 2026 and are for reference only. It's not guaranteed and maybe subject to revision, as per prevailing market conditions. Minimum currency exchange and time deposit amount required.
Travel privilege: HSBC Mastercard® Debit Card
With access to 12 major currencies, it allows you to shop online, make purchases locally and overseas with up to 0.5% cash rebate on all eligible purchase, and withdraw cash at HSBC Group ATMs around the world, with 0 fees.
The above offer of zero charges on overseas withdrawals applies to HSBC Group ATMs worldwide, please click here for details.
Remark
- HSBC Forex Club membership tier is determined by cumulative eligible FX transaction amount in the 90 days from each transaction date.
- Terms and conditions apply to “HSBC Forex Club”. Enrolled customers can enjoy FX spread discounts on eligible FX exchanges.
- Terms and conditions apply to “HSBC Forex Club Welcome Offer”. Offer valid until 31 December 2026.
- Welcome Reward is only applicable to newly enrolled Forex Club customers from 15 July 2026 to 31 December 2026 who are also new FX customers. “New FX customers” means customers who have made no FX transaction with HSBC during 14 January 2026 to 14 July 2026 and who have not enrolled in the Forex Club via HSBC Mobile Banking or HSBC Branch before 15 July 2026.
- Cumulative eligible exchange amount in the past 90 days is calculated from the transaction date and customer must enrol during 15 July to 31 December 2026.
- FX coupon cannot be used with Forex Club offer unless stated otherwise, while transaction amount counts in Forex Club.
Risk Disclosure:
Currency conversion risk - the value of your foreign currency and RMB deposits will be subject to the risk of exchange rate fluctuation. If you choose to convert your foreign currency and RMB deposits to other currencies at an exchange rate that is less favourable than the exchange rate at which you made your original conversion to that foreign currency and RMB, you may suffer a loss in the value of your principal.
Reference number: Y26-U6-PMFX0101