Pay abroad with FPS | Cross-border Payments - HSBC HK

Pay abroad with FPS

Shop and pay at merchants abroad with Faster Payment System (FPS) on your HSBC HK App

Paying abroad is now faster and easier than ever

Enjoy the convenience of FPS, now available even outside of Hong Kong. Pay for your purchases abroad via FPS on your HSBC HK App without having to exchange local currency in advance.

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Pay easily across borders

Make instant payments across borders with our partnered payment service providers.

No service charge

Enjoy cross-border payments without any service charge (exchange rate is applicable in case of currency exchange).

Cashless payments

Now make payments anytime, anywhere using your HSBC HK App.

FPS x PromptPay QR payment

Complete merchant payments instantly with FPS using the HSBC HK App.

Simply scan 'PromptPay' QR codes of supported merchants in Thailand and pay using your HKD bank account via HSBC HK App.
You can pay up to HKD10,000 or equivalent per day.

Learn more about FPS x PromptPay QR payment

Top up e-CNY wallet via HSBC HK App

With FPS enabled, you can top up your e-CNY wallet by transferring funds directly from your HKD or RMB bank account via HSBC HK App.

You can transfer up to HKD10,000 or equivalent per day.

Top up now

How to use FPS x PromptPay QR payment in Thailand

Via the HSBC HK App

Before you can use FPS 'Scan to pay' on HSBC HK App, make sure you've:

activated your Mobile Security Key
selected a default debit account
set up small-value payment limit

If you're an iOS user, make sure you've already enabled your biometric authentication on your device.

Activate your Mobile Security Key or biometric authentication with these easy step-by-step instructions.

Once done, follow the steps below.

Step 1

Open HSBC HK App and select 'FPS transfer'.

Step 2

Select 'Scan to pay', then read and agree to the use of stored information (if you're using it for the first time).

Step 3

Allow HSBC HK App to access your camera and scan the QR code of the merchant.

Step 4

Review the HKD debit amount and exchange rate. Select 'Continue' to proceed.

Step 5

Review the payment details and select 'Confirm' to reauthenticate and submit payment request.

Step 6

After you pass the reauthentication, your transfer is complete. We'll send you a confirmation both via SMS and email.

How to top up e-CNY wallet

Via the HSBC HK App

Open the e-CNY wallet of your choice to get started.

Step 1

Select 'Top-up' on your e-CNY wallet account dashboard.

Step 2

Enter the top-up amount and select 'FPS' as payment method. Then select 'HSBC HK' from the payment options shown on your device. You can top up your e-CNY wallet app with maximum HKD10,000 daily.

Next, you'll be taken to the HSBC HK App, where you can select the payment account and verify the details.

Step 3

After authentication, choose a debit account (exchange rate will be displayed if HKD account is selected) to proceed.

Step 4

Verify whether transaction details are correct. Select 'Confirm and pay' to complete the transaction.

Step 5

Your wallet top-up is now complete!

Your transaction reference number will appear on the confirmation screen. We'll also send you a confirmation of the transaction via SMS and email. Select 'Back to merchant's app' or 'X' icon at the top left corner to return to e-CNY wallet.

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With the HSBC HK Mobile Banking app (HSBC HK App), you can manage your everyday banking needs anytime, anywhere. Discover a wide range of features and services on the app, and experience an ease of use like never before.

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FPS x Promptpay QR payment allows you to make instant payments to merchants in Thailand from your HKD bank account through HSBC HK App. It is available 24/7 and free of charge.

You can open your HSBC HK App, select 'FPS transfer', then select 'Scan to pay' and scan the Thai merchant's QR code to make payment. We'll ask you to verify your payment details including exchange rate, and authorise the payment with your biometric authentication or your Mobile Security Key. If your payment is successful, we'll notify you via both SMS and email. You may also check with the merchant directly.

This is an indicative live rate. The actual rate is subject to market fluctuation and will be verified before you confirm the payment.

Outside of normal trading hours (from Monday 7:00am to Saturday 4:15am HKT during US daylight saving time, or 5:15am HKT the rest of the year) and on Hong Kong public holidays, the exchange rate will be with a wider bid/ ask difference.

You can use this service with Thai merchants that support PromptPay and the QR code is tagged to any of the following financial institutions:

Bank of Ayudhya (also known as "Krungsri")
Bangkok Bank
Kasikornbank (also known as "KBank")
Krungthai Bank
Siam Commercial Bank (also known as "SCB")

You can now top up your e-CNY wallet through HSBC HK App with your HSBC Hong Kong dollar (HKD) and Renminbi (RMB) accounts.

Open your e-CNY wallet app
Select 'Top-up' on the e-CNY wallet account dashboard
Enter top-up amount
Select 'HSBC HK' from the payment option shown on your device
Authenticate HSBC HK App with your Mobile Security Key or biometrics
Select a debit account, verify and confirm the top-up transaction (exchange rate applies if HKD account is selected)
Go back to e-CNY wallet app and the top-up transaction is complete

Top-up amount is non-editable in HSBC HK App. However, if you'd like to edit the top-up amount, you need to go back to the e-CNY wallet app, adjust the top-up amount first and then continue your top-up transaction with HSBC HK App.

Yes, you can top up e-CNY wallet with your Hong Kong dollar (HKD) and Renminbi (RMB) account(s) held with HSBC.

Yes. Your daily small-value payment limit is applicable to e-CNY top-up transactions. The maximum daily limit for small-value payments is HKD10,000 equivalent. If you wish to set up or adjust your small-value payment limit you can do so on the HSBC HK App by going to 'Profile', selecting 'Pay and transfer' then 'Small-value payment limit'. Please note there may be other limit(s) applied by e-CNY wallet operator.

If your e-CNY top-up transaction is successful, we'll send you a confirmation both by SMS and email. You should also receive a confirmation of the successful top-up from the e-CNY wallet or can check the balance on your e-CNY wallet app.

View all FAQs on FPS x PromptPay QR payment or Top-up e-CNY wallet

Notes

The applicable all-inclusive exchange rate for each transaction will include applicable Settling Banking (SB) handling fee (in the form of currency exchange spread) and a reasonable exchange cost for this service.

Currency conversion risk: the value of your foreign currency and RMB deposit will be subject to the risk of exchange rate fluctuation. If you choose to convert your foreign currency and RMB deposit to other currencies at an exchange rate that is less favourable than the exchange rate in which you made your original conversion to that foreign currency and RMB, you may suffer loss in principal.