With effect from 30 June 2026, we will no longer accept free-format manual payment instructions. We encourage you to submit payment instructions electronically using our e-channels, or use Smartform (Telegraphic Transfer/Local InterBank Funds Transfer Application Form). Access Download Center | HSBC Macau.
Important Notices
Remember to stay alert and watch out for phishing SMSes, emails, bogus calls and fraudulent websites. We would never send any SMS or email with hyperlinks or QR codes to notify or verify customers. We have further strengthened our security measures to protect customers. Learn more
Should you have any enquiries, please do not hesitate to contact your Relationship Manager.
As part of the ongoing review of our practices and policies, please be advised, with effect from 1st January 2026, the Hongkong and Shanghai Banking Corporation Limited, Macau Branch (hereinafter referred as “us”) will cease the international cheque collection service for corporate customers.
If you have received an international cheque, please ensure you deposit this with us for clearing prior to 31 December 2025. Any international cheques received by us thereafter will be returned to you. Cheques drawn on Hong Kong financial institutions and cleared in Hong Kong are not affected.
Please consider alternative collection methods such as wire transfers for international payments.
For enquiries, please contact our branch staff.
Issued by The Hongkong and Shanghai Banking Corporation Limited, Macau Branch.
01 December 2025
To serve you better as an international bank with access to global markets, we have recently simplified the terms in our General Terms and Conditions which governs your HSBC accounts and related services. The revised and latest General Terms and Conditions will now comprise the following documents under the same documentation framework:
(1) The Master Services Agreement, which sets out the essential legal terms governing our overall banking relationship with you and our other corporate customers; together with the Confidentiality and Regulatory Annex, which sets out parties’ obligations in relation to confidential information, customer information and tax compliance;
(2) The Macau SAR Local Conditions, which sets out specific terms necessary from a local legal, regulatory and operational perspective;
(3) The HSBCnet Annex, E-Channel Services Schedule, and Securities Measures, which set out the specific terms that apply to the access and use of our digital banking platform - HSBCnet, and the relevant security protocol and measures for HSBCnet (these only apply if you have an e-channels profile with HSBC),
(4) The Service Terms and Conditions, which sets out supplementary terms on certain payment services provided to our corporate customers.
Together (the “New Terms”). The New Terms can be found at https://www.business.hsbc.com.mo/en-gb/download-center.
What are the key changes?
The New Terms do not materially change the terms governing our relationship with you. The Master Service Agreement has been further streamlined and the revision is to ensure a consistent documentation experience is in place across jurisdictions for our corporate customers.
There are some important points to highlight:
- The latest Master Services Agreement (MSA) has been simplified from a drafting perspective (e.g. removing archaic legal terminologies/jargons, reducing complex or lengthy sentences, providing new definitions), so the terms are presented in shorter and clearer language.
- Due to the simplification of terms, the numbering of the provisions/ clauses will be different from the existing version of the General Terms and Conditions.
- A new clause 19 in the MSA on the use and acceptance of electronic signatures has been introduced to suit the current market practice.
- In case of a Force Majeure Event (see the latest MSA for full definition), you may now suspend the performance of the relevant obligations as a customer under clause 10.5 of the latest MSA.
- To better reflect our commitment on fairness, indemnification to be given by the customer under clause 10.7 of the latest MSA relating to the process of customer’s instructions is limited to direct loss, and will not be applicable if such direct losses are caused by the negligence or willful misconduct of the bank.
Kindly read the New Terms for better understanding of the important points above. We will still keep the previous version of the Existing General Terms and Conditions on our website (which can be found here at https://www.business.hsbc.com.mo/en-gb/download-center). for your reference until 15Nov2025. For the sake of clarity, the New Terms shall become effective on the effective date(s) mentioned below.
What else do you need to know?
- You are advised to go through the contents of these New Terms carefully for the full effect of these terms and conditions, and you may seek independent legal advice as appropriate.
- If you need more information on the changes of terms or there is any query, please do not hesitate to contact your Relationship Manager.
Effective Date:
This New Terms will become effective on 15Nov2025
Please visit Commercial Tariffs Macau for details of update tariffs for Macau commercial customers effective 1st January 2026.
Issued by The Hongkong and Shanghai Banking Corporation Limited, Macau Branch
1st December 2025
Macau has implemented the Deposit Protection Scheme and the compensation limit is set at eight hundred thousand patacas per depositor per bank.
Frequently asked questions
How safe is my money?
The Macau SAR Government guarantees your money up to MOP 800,000 per person, per institution.
What products are included under the protection?
Savings account, Current account, and Time deposits account in MOP and other foreign currencies are protected.
What if I have more than one account and joint account?
The maximum protection is up to MOP 800,000 per person per institution, the joint account is deemed to have equal share in the deposit and compensated accordingly under the individual profile.
Please visit Trade Services and Guarantee Tariffs for details of update tariffs for Macao commercial customers effective 22nd July 2024.
Issued by The Hongkong and Shanghai Banking Corporation Limited, Macau Branch
20th June 2024
We are changing to a more customer-friendly set of terms for Macao commercial customers effective 28 July 2022.
Please find the link below for more details.
https://www.business.hsbc.com.mo/en-gb/download-center
Issued by The Hongkong and Shanghai Banking Corporation Limited, Macau Branch.
28 July 2022
We regret to inform you that, effective as at 30 November 2021 (“Effective Date”), HSBC Macau will no longer be able to provide Cheque Collection Service for non-HSBC-issued cheques in British Pound (GBP). Accordingly, only HSBC-issued GBP cheques presented to, or otherwise received by us, on or after the effective date will be processed by using Cheque Collection Services.
For enquiries, please contact our branch staff.
Issued by The Hongkong and Shanghai Banking Corporation Limited, Macau Branch.
25 October 2021
Notice of Change on Demand Draft Services
As part of the ongoing review of our practices and policies, pleae be advised, with effect from 1st October 2021, HSBC will cease the issuance of Demand Draft for USD and HKD drawn in United States of America and Hong Kong SAR.
Please use Telegraphic Transfer for remittance in the above circumstances.
For enquiries, please contact our branch staff.
Issued by The Hongkong and Shanghai Banking Corporation Limited, Macau Branch.
31 August 2021
According to the guideline issued by the Monetary Authority of Macao, HSBC Macau started to implement electronic clearing services for cheques with QR codes from 1 January 2021. If your existing cheque book is non QR coded, please visit our branch to order new QR code cheque book at your earliest convenience. If you are using non QR code specially printed cheques, please seek your printing vendor for advice. Should you have any queries, you may contact your Relationship Manager.
15 January 2021