Training Example: HSBC Expat – Review the Data, Give Your Score & Compare to the Real AI Evaluation

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International banking for expats

Multicurrency accounts and wealth management for expats and those with global finance needs.

Open an Expat Bank Account

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Join us for 4.50% AER/Gross on a 6-month Fixed Term Deposit

Get 4.50% AER/Gross on your first Fixed Term Deposit when you open an Expat Bank Account as a new customer and deposit between 150,000 to 300,000 in GBP or USD within 30 days. T&Cs (PDF) apply.

Explore offer

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Progress looks good on you

Expert planning helps you invest wisely, live fully and feel good about your financial future.

Find out more

Find out more about ways to invest

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Why choose HSBC Expat?

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Secure offshore banking

We make it easy to manage your finances internationally, with expert advice, our Premier service and accounts in 19 different currencies including GBP, USD and EUR.
Our dedicated team helps you manage your wealth from one safe, central and tax-efficient offshore location[@offshore-tax-benefits].
HSBC Expat participate in the Jersey Bank Depositors Compensation Scheme[@jerseydepositprotectionscheme], offering protection for eligible deposits of up to £50,000.

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Make the most of international life

Our products and articles can help you make the most of living abroad.

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US dollar accounts

Explore our range of savings accounts, current accounts and other products available in USD. Or, view our USD deposit interest rates.

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Guide to moving abroad

Read our 10-step guide to moving abroad to make sure you've got everything covered.

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Living abroad

Living or working abroad can bring its challenges - we're here to help when it comes to your finances.

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Credit cards

We offer a range of credit cards to suit your lifestyle.

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UK buy-to-let mortgages

With our buy-to-let mortgages for expats, you can invest in UK property without pressing pause on your global lifestyle.

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Progress looks good on you

Expert planning helps you invest wisely, live fully and feel good about your financial future.

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Global Money Account

Your money deserves its own passport. Unlock a world of benefits with a Global Money Account.

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Expat guide to tax

Our advice and resources will help you navigate the complexities of international tax.

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Expat guide to money

Get the lowdown on banking, budgeting, moving money and more.

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What is offshore banking?

Discover how offshore bank accounts can help you manage your international finances.

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Products, services and help for Expats

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Banking

International banking

Multi-currency savings accounts

FX services

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Borrowing

Credit cards

Mortgages

UK buy-to-let mortgages

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Investing

Investments

Retirement planning

Financial planning

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Compare currency savings rates

USD savings account rates

USD savings account rates This link will open in a new window

GBP savings account rates

GBP savings account rates This link will open in a new window

EUR savings account rates

EUR savings account rates This link will open in a new window

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Banking made easy

Mobile banking

Online banking

Card support

FX services

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Calculators

Grow your wealth calculator

Education calculator

Retirement planning calculator

Living in retirement calculator

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Fraud and Security

Security centre

Fraud guide

Secure Key

Report a lost or stolen card

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More help topics

International offices

Make a complaint

Dispute a transaction

Help centre

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Additional information

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Card support

Get help with all your card questions

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Activate new card

for your card activation options

Activate your card by phone or at a cash machine.

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Replace card

by contacting us directly

Contact us if you need a replacement for a damaged card.

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Query transaction

for any unrecognized transactions

Transaction you don't recognise or agree with? Browse our hints and tips, and get in touch if you're still not satisfied.

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Lost or stolen

for when you need your card to be blocked

If your card is lost or stolen, let us know immediately and we will block it.

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Using your card

for when you're using your card abroad

Get the most out of your card, both home and abroad.

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Additional cardholder

for when you're using your card abroad

Adding your partner, a family member or friend to your credit card account.

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PIN and contactless help

Contactless help

Contactless help for assistance with your contactless card

Help with your PIN

Help with your PIN for assistance with your card PIN

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Confirming online card purchases

Find out how to confirm your online purchases.

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Manage your credit card online

Find out how to make the most of your credit card with online banking.

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How to pay your AMEX card balance

Step by step instructions on paying via mobile and internet banking.

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Card security

Here are some easy and effective ways to protect your card and PIN from fraud.

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ATM fraud prevention

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Protecting your card and PIN

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Bogus courier scam

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Traveling abroad

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Card fraud

Being vigilant will keep you protected from fraudsters
Never divulge your PIN to anyone, not even the bank or police.
Always use your hand as a shield while entering your PIN to keep it as a secret.
Be aware of others around when using an ATM machine, particularly at night, and avoid using an ATM if suspicious looking individuals are hanging around.
Do not take advice from 'helpful' strangers that happen to be standing near an ATM, especially if your card has been unexpectedly retained.
If anything looks suspicious or unusual when you are at the ATM then do not use it. Instead either alert a member of staff if available or move a reasonable distance from the machine and call the police.
If you realise the ATM has been tampered after you have inserted your card, contact HSBC while still standing at the cash machine if it is safe to do so.
Contact HSBC immediately if your card is unexpectedly retained by an ATM. Please also ensure to save HSBC's phone number into your mobile.
On completing a transaction, discreetly put your money and card away before leaving the cash machine.
Check your statements regularly for any transactions you do not recognise and report them to HSBC immediately.

Keep your information safe
Do not let your card out of sight, especially when making purchases in restaurants, bars and petrol stations.
Ensure that you're the only person who knows your PIN - never write it down or record it anywhere.
Never disclose your PIN to anyone, not even a police officer or a bank employee (HSBC staff would never ask for your PIN).
Contact HSBC immediately if a courier says they have come to collect your card, PIN, online banking secure key or cash.
Always use your hand as a shield whilst entering your PIN to keep it secret.
Only carry the cards you need.
Never leave your handbag or wallet unattended.
Pay attention to card expiry dates. If your replacement card hasn't arrived, call HSBC to check the situation with your new card.

Elderly and vulnerable members of the public have been receiving unsolicited calls from fraudsters purporting to be from their bank or couriers working on behalf of their bank. On occasion they also claim to be police officers working on a fraud involving the bank or one of their employees.
The fraudsters telephone customers on their landline claiming that their debit or credit card has been used fraudulently. In order to gain customers trust the fraudsters tell them to ring their bank on the telephone number printed on the reverse of their card to ensure the call is genuine.
The fraudster pretends to hang up the call, however, the fraudster keeps the telephone line open, so even though the customer thinks they are calling their bank, the call does not go through. Instead they are still unwittingly connected to the fraudster.
The fraudster, who is now pretending to be your Bank, will say that the card needs to be collected and will ask the customer to key in their PIN or write it down and put it in an envelope with the card, cash and their online banking secure key, before sending a courier to collect the items.
The customer will be advised that the card is going to the bank to be replaced, but is actually delivered to the fraudster. Once in possession of the card, the PIN and the victim's full bank details, the fraudsters attempt to withdraw all available funds from the customer's account.

Remember:
HSBC will never send a courier to your home to collect your card, PIN, online banking secure key or cash. Contact us and your local Police immediately if this happens.
Do not divulge your PIN to anyone.
We may call you as part of our fraud detection purposes to verify whether a transaction is genuine or not. We will never ask you to divulge full security information or advise you that we are sending a courier to collect this information.
With any suspicious or unexpected call, always verify the call, by checking the number exists from an independent source - such as a phone book and if the caller asks you to make a call, use a different phone line (where possible). Where a second phone line is not available, try calling a friend on the line first. A fraudster will find it difficult to impersonate a voice that is known to you. If in doubt, don't call back.

Reduce the chance of being inconvenienced when using your cards abroad
Inform us of your travel plans to enable us to keep our fraud detection systems updated.
Ensure we have up to date contact details for you before travelling abroad. Particularly your mobile phone number and email address.
Take a note of our lost and stolen number in case of an emergency (HSBC Premier customers call +44 1534 616 313 and HSBC Advance customers call +44 1534 616 212). We recommend you store the correct one in your mobile.
Keep your cards with you at all times, or in a safe place.

Lines are open 24 hours a day including bank holidays.

We need you to help us prevent card fraud
Shred all documents (receipts, letters etc.) that contain your name, address or other account and personal information.
When registering a memorable name, avoid using your mother's maiden name or children's names etc. Use an alternative which cannot be easily guessed by fraudsters.
Check your statements regularly for any transactions you do not recognise and report them to HSBC immediately.
Do not respond to phishing emails - HSBC will never send you an email asking you to disclose personal information, bank details, passwords or PIN.
Do not share your personal information unless you are confident that you know who you are speaking to.
Pay attention to card expiry dates. If your replacement card hasn't arrived, call HSBC to check the status of your new card.

[H3] ATM fraud prevention

Being vigilant will keep you protected from fraudsters
Never divulge your PIN to anyone, not even the bank or police.
Always use your hand as a shield while entering your PIN to keep it as a secret.
Be aware of others around when using an ATM machine, particularly at night, and avoid using an ATM if suspicious looking individuals are hanging around.
Do not take advice from 'helpful' strangers that happen to be standing near an ATM, especially if your card has been unexpectedly retained.
If anything looks suspicious or unusual when you are at the ATM then do not use it. Instead either alert a member of staff if available or move a reasonable distance from the machine and call the police.
If you realise the ATM has been tampered after you have inserted your card, contact HSBC while still standing at the cash machine if it is safe to do so.
Contact HSBC immediately if your card is unexpectedly retained by an ATM. Please also ensure to save HSBC's phone number into your mobile.
On completing a transaction, discreetly put your money and card away before leaving the cash machine.
Check your statements regularly for any transactions you do not recognise and report them to HSBC immediately.

[H3] Protecting your card and PIN

Keep your information safe
Do not let your card out of sight, especially when making purchases in restaurants, bars and petrol stations.
Ensure that you're the only person who knows your PIN - never write it down or record it anywhere.
Never disclose your PIN to anyone, not even a police officer or a bank employee (HSBC staff would never ask for your PIN).
Contact HSBC immediately if a courier says they have come to collect your card, PIN, online banking secure key or cash.
Always use your hand as a shield whilst entering your PIN to keep it secret.
Only carry the cards you need.
Never leave your handbag or wallet unattended.
Pay attention to card expiry dates. If your replacement card hasn't arrived, call HSBC to check the situation with your new card.

[H3] Bogus courier scam

Elderly and vulnerable members of the public have been receiving unsolicited calls from fraudsters purporting to be from their bank or couriers working on behalf of their bank. On occasion they also claim to be police officers working on a fraud involving the bank or one of their employees.
The fraudsters telephone customers on their landline claiming that their debit or credit card has been used fraudulently. In order to gain customers trust the fraudsters tell them to ring their bank on the telephone number printed on the reverse of their card to ensure the call is genuine.
The fraudster pretends to hang up the call, however, the fraudster keeps the telephone line open, so even though the customer thinks they are calling their bank, the call does not go through. Instead they are still unwittingly connected to the fraudster.
The fraudster, who is now pretending to be your Bank, will say that the card needs to be collected and will ask the customer to key in their PIN or write it down and put it in an envelope with the card, cash and their online banking secure key, before sending a courier to collect the items.
The customer will be advised that the card is going to the bank to be replaced, but is actually delivered to the fraudster. Once in possession of the card, the PIN and the victim's full bank details, the fraudsters attempt to withdraw all available funds from the customer's account.

Remember:
HSBC will never send a courier to your home to collect your card, PIN, online banking secure key or cash. Contact us and your local Police immediately if this happens.
Do not divulge your PIN to anyone.
We may call you as part of our fraud detection purposes to verify whether a transaction is genuine or not. We will never ask you to divulge full security information or advise you that we are sending a courier to collect this information.
With any suspicious or unexpected call, always verify the call, by checking the number exists from an independent source - such as a phone book and if the caller asks you to make a call, use a different phone line (where possible). Where a second phone line is not available, try calling a friend on the line first. A fraudster will find it difficult to impersonate a voice that is known to you. If in doubt, don't call back.

[H3] Traveling abroad

Reduce the chance of being inconvenienced when using your cards abroad
Inform us of your travel plans to enable us to keep our fraud detection systems updated.
Ensure we have up to date contact details for you before travelling abroad. Particularly your mobile phone number and email address.
Take a note of our lost and stolen number in case of an emergency (HSBC Premier customers call +44 1534 616 313 and HSBC Advance customers call +44 1534 616 212). We recommend you store the correct one in your mobile.
Keep your cards with you at all times, or in a safe place.

Lines are open 24 hours a day including bank holidays.

[H3] Card fraud

We need you to help us prevent card fraud
Shred all documents (receipts, letters etc.) that contain your name, address or other account and personal information.
When registering a memorable name, avoid using your mother's maiden name or children's names etc. Use an alternative which cannot be easily guessed by fraudsters.
Check your statements regularly for any transactions you do not recognise and report them to HSBC immediately.
Do not respond to phishing emails - HSBC will never send you an email asking you to disclose personal information, bank details, passwords or PIN.
Do not share your personal information unless you are confident that you know who you are speaking to.
Pay attention to card expiry dates. If your replacement card hasn't arrived, call HSBC to check the status of your new card.

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Ways to bank

Take control of your finances, any way that suits your needs

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Banking with HSBC Expat couldn't be easier

Our multi-currency banking services make it quick, easy and convenient to manage your finances - wherever you are in the world.

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Banking on the go

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Mobile banking

Download the HSBC Expat Mobile Banking App to enjoy 24/7 access to your accounts from your smartphone or tablet.

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Global Money Account

Got the app? Now you can sign up to our Global Money Account to view, manage, receive and send money from anywhere in the world.

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More ways to bank

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Online banking

Manage your HSBC Expat accounts online - anytime, anywhere.

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Phone banking

Talk to our friendly team.

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International offices

Get support from our offices in Jersey (Channel Islands) and Hong Kong.

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Fraud prevention guide

Learn more about fraud and how to avoid it.

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Working together to keep you protected

We're always working hard to keep your money safe, but the more you know about fraud and scams, the better protected you'll be.
Explore our guide to some common tactics fraudsters use to get hold of sensitive information and find out what you can do to combat them. We'd also advise you to make sure your contact details with us are up to date so we can get in touch if we spot any suspicious activity.

Think you've been targeted?

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How do fraudsters use 'social engineering'?

Social engineering scams involve a fraudster gaining your trust. This is so you'll share details or carry out tasks that will give them access to your money.
They will usually contact you by phone (vishing), text or email (phishing) pretending to be someone from your bank, a utility company, or even the police. By pretending to be someone in a position of authority or trust, they can persuade their targets to give out security information or even transfer funds straight to them.
Here's a list of common requests a fraudster might make. If you're contacted and asked for any of these things, just hang up or ignore them.
Never give out your:
4-digit PIN
Online or mobile banking passwords
One-time passcodes
And never accept a request to:
Generate a Secure Key code
Transfer money from one account to another (perhaps referred to as a safe account)
Delete your mobile banking app
Hand over cash, cards or your cheque book

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Common social engineering scams

[H3] Phone scams (vishing)

Vishing is where you get an unexpected call from someone claiming you've been the victim of fraud, or that it's about to happen. They may already have some information about you and say they're from the bank, the police or another trusted company.
The fraudster then persuades you to:
Transfer money to another account for 'safekeeping' or 'holding'
Withdraw cash and hand it over 'for investigation'
Share private information, which can be used to gain access to your finances
In many cases, these cold callers suggest you hang up the phone and call them back on another number. However, it's easy for them to keep the connection open, so all the information you think you're giving to your bank is actually going to them.
Remember:
Be wary of unexpected phone calls, especially if you're asked to provide any personal information
If you're suspicious or feel vulnerable, don't be afraid to end the call and refuse requests for information
Fraudsters can falsify the telephone number shown on your caller ID to look like a genuine bank number
HSBC will never call you to ask you to generate a Secure Key code, or ask for your PIN number
Never share your security details with anyone else

[H3] Email scams (phishing)

Be wary of unexpected emails that ask for confidential, personal or financial information.
They may look like they're from your bank, for example, and include links urging you to take action or your account will be shut down.
Phishing emails often copy the design of genuine emails, so don't be fooled by this. Don't reply or click on a link if you're not sure the email is genuine. Instead, contact the company using a telephone number you have checked independently.
Phishing emails typically:
Warn of sudden changes in an account which require you to verify that you still use the service
Use poor spelling and grammar
Request confidential or security information such as your online banking details, passwords, account numbers or PINs
Ask you to reply or complete a form attached to the email, or click through to a website to verify your account - don't open attachments or click on links if you suspect they're not real
If you receive a suspicious-looking email claiming to be from HSBC, forward it to phishing@hsbc.com, delete it and empty your deleted items.

[H3] Text message scams (smishing)

Smishing scams may try to trick you into giving over your financial information by calling a number or clicking a link in a text message.
Remember:
We will never ask you for your full PIN or password
We will never text you a link that takes you directly to our log on page
Criminals can falsify the telephone number to appear as 'HSBC', so it looks like a genuine bank text
Never share your security details with anyone else
If you're unsure about a text message from HSBC, call us on a known number (e.g. from the back of your card) to check before acting on anything
If you suspect a text is from a fraudster, forward it to phishing@hsbc.com.

Learn about other common scams

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Defend yourself against fraud

If you're contacted out of the blue by phone, email or text and something doesn't seem right:
Stop - taking a moment to stop and think before parting with your money or information could keep you safe
Challenge - it's ok to reject, refuse or ignore any requests. Only criminals will try to rush or panic you
Protect - double check with someone you trust, such as a friend or family member, and contact the company directly

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Think you've been targeted?

If you think you've given money or personal details to a fraudster, or you see transactions you don't recognise, call us straight away. Make sure you've disconnected any calls or stopped any other conversations with fraudsters.
To help us act fast, please have your 10-digit Personal Banking Number (PBN) and 6-digit Telephone Banking PIN to hand - along with details of any unusual transactions. Don't worry if you don't have all the details, we can still help you.
Our dedicated fraud team will take the necessary steps to protect your accounts and will keep you updated on their progress.

For account or debit card issues, call us on:
HSBC Premier: +44 1534 616 313
HSBC Advance: +44 1534 616 212

For credit cards, call us on:
0800 085 2401 (within the UK)
+44 1442 422 929 (outside the UK)

Lines are open 24 hours

If you receive a suspicious-looking email, forward it to phishing@hsbc.com, delete it and empty your deleted items.

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Not an HSBC customer?

If you suspect that a fake HSBC Expat account has been opened in your name, or you've received a suspicious email or phone call claiming to be from HSBC Expat, please call us immediately.

If you don't have an HSBC account, call:
+44 1534 616 313

Just so you know, we may monitor and record your communications with us. This is in the interest of security and to help us continually improve our service.

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You might also be interested in

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Report a problem

Here's how to let us know about an issue with your card or account.

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Common scams

Find out how to spot them and what you can do to avoid them.

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Security centre

Find out how you can avoid fraudsters and learn more about what we do to protect you and your money.