SCHEDULE OF SERVICES AND TARIFFS

HSBC Global Private Banking, HSBC Premier, HSBC Advance

and Personal Banking

Last updated: 13 November 2024

 SCHEDULE OF SERVICES AND TARIFFS LAST UPDATED: 13 NOVEMBER 2024
# Symbol indicates fees which are automatically recurring. All other fees will be
HSBC GLOBAL PRIVATE BANKING, HSBC PREMIER, HSBC ADVANCE AND PERSONAL BANKING charged every single time it applies.
Description HSBC Global Private Banking HSBC Premier HSBC Advance Personal Banking
Personal Account
Account Opening fees No Fees No Fees No Fees
Minimum Average Monthly Balance requirement for:
Each Current and Savings Account in Local currency AED 3,000
Each E-saver Account in Local Currency Nil
Each current and Savings Account in Foreign currency USD 500/ GBP 500/ EUR 500/ CNY 5,000
Each Investment Funding Account in Local or Foreign Currency Nil
Monthly Fee applied for not meeting the Minimum Average Monthly balance requirement:
Each Current and Savings Account in Local currency AED 25 (26.25 inclusive of VAT)
Each E-saver Account in Local Currency Nil
Each current and Savings Account in Foreign currency USD /GBP/ EUR 5 (5.25 inclusive of VAT) | CNY 40 (CNY 42 inclusive of VAT)
Each Investment Funding Account in Local or Foreign Currency Nil
Account Eligibility Criteria* (a) Maintain a minimum balance of USD (a) Monthly net salary transfer of AED (a) Transfer a minimum monthly salary of AED 10,000 or (b) maintain AED 100,000 in a u Maintain a minimum monthly average balance of AED 3,000 or more in your AED
2,000,000 in deposits and/or investments with 40,000 for the first 12 months after relationship balance account. or
us which point (b) applies or (b) maintain u Maintain a minimum monthly average balance of 500 (USD,GBP,EUR) or 5,000 CNY
a minimum monthly average balance in each of your accounts in these currencies. (except for HSBC E-saver account).
of AED 500,000 in deposits and/or
investments, or (c) have a Home Loan
drawdown of AED 3,000,000 or above
for the first 12 months after which
point (b) applies
Service Fee # N/A AED 200 (AED 210 inclusive of VAT) per AED 100 (AED 105 inclusive of VAT) per month if eligibility criteria is not met**** AED 25 (AED 26.25 inclusive of VAT) per month if eligibility criteria is not met ****
(Monthly Fee applied if Eligibility criteria is not met) month if eligibility criteria is not met****
Relationship Fee N/A N/A N/A
Non-receipt of salary N/A N/A N/A
Utility Bill payment (Internet and ATM) No Fees No Fees No Fees
Account closure fee (if closed within 6 months of Account Opening)
For each Current, Savings and E-saver Account AED 100 (AED 105 inclusive of VAT) AED 100 (AED 105 inclusive of VAT) AED 100 (AED 105 inclusive of VAT)
Each Investment Funding Account No Fees No Fees No Fees
Standing Instruction set up (through the branch) AED 50 per instruction, (AED 52.5 inclusive of VAT) AED 50 per instruction, (AED 52.5 inclusive of VAT) AED 50 per instruction, (AED 52.5 inclusive of VAT)
No Fees through Internet or Phone Banking No Fees through Internet or Phone Banking No Fees through Internet or Phone Banking
Penalty for insufficient funds for standing orders AED 25 (AED 26.25 inclusive of VAT) AED 25 (AED 26.25 inclusive of VAT) AED 25 (AED 26.25 inclusive of VAT)
Account balance Letter No Fees AED 50 (AED 52.5 inclusive of VAT) AED 50 (AED 52.5 inclusive of VAT) AED 50 (AED 52.5 inclusive of VAT)
No liability certificate No Fees AED 50 (AED 52.5 inclusive of VAT) AED 50 (AED 52.5 inclusive of VAT) AED 50 (AED 52.5 inclusive of VAT)
Release / Clearance letter No Fees AED 50 (AED 52.5 inclusive of VAT) AED 50 (AED 52.5 inclusive of VAT) AED 50 (AED 52.5 inclusive of VAT)
Liability letter issued to Government/Embassies No Fees AED 50 (AED 52.5 inclusive of VAT) AED 50 (AED 52.5 inclusive of VAT) AED 50 (AED 52.5 inclusive of VAT)
Liability letter issued to Financial Institutions No Fees AED 50 (AED 52.5 inclusive of VAT) AED 50 (AED 52.5 inclusive of VAT) AED 50 (AED 52.5 inclusive of VAT)
Dormant account charge No Fees No Fees No Fees
Statement of Account (per agreed cycle) No Fees No Fees No Fees
Statement of Account (outside the agreed cycle) No Fees No Fees AED 25, (AED 26.25 inclusive of VAT)
Teller services Six transactions monthly without any fee.
No Fees No Fees For every additional transaction you will be charged AED10 (AED 10.5
inclusive of VAT).
Bulk cash deposit and withdrawal at teller counter No Fees No Fees No Fees

* If you are a Premier International customer, your eligibility criteria will be determined by the country in which you qualify as Premier. If you are a Premier customer because your spouse or parent is an HSBC Global Private Banking, or qualifying HSBC Premier customer, you are not required to meet the eligibility criteria for as long as your
spouse or parent continues to be a Global Private Banking or qualifying Premier customer. If they are no longer Global Private Banking / Premier, you will have to meet either of the Premier eligibility criteria or we will convert your account into a Personal Banking account or Advance account where applicable.
** Original salary transfer letter must be submitted to HSBC. The minimum salary amount must be credited to your account each month.
*** If you do not meet the HSBC Global Private Banking, Premier or Advance eligibility requirements then we reserve the right, at our discretion, to charge you a service fee up to the point we convert your account into a Personal Banking account. Terms and Conditions apply. For more details visit www.hsbc.ae

2 Terms and Conditions apply. For more details visit www.hsbc.ae

 SCHEDULE OF SERVICES AND TARIFFS LAST UPDATED: 13 NOVEMBER 2024

HSBC GLOBAL PRIVATE BANKING, HSBC PREMIER, HSBC ADVANCE AND PERSONAL BANKING
# Symbol indicates fees which are automatically recurring. All other fees will be charged every single time it applies.
Description HSBC Global Private Banking HSBC Premier HSBC Advance Personal Banking
Cheques
- No Interest will be paid if you request to break the Term Deposit within the first 30 calendar days. You will only receive your Deposit Amount.
- If you request to break the Term Deposit after 30 calendar days, interest will only be credited up to the date of breakage and the following charges may be deducted from the interest amount. The charge will be calculated based on: u The historical booking
Term Deposit breakage fee
rate for the tenor that has been completed. u 1% will be subtracted from the historical booking rate u If this results in the interest rate being
lower than 0, only Deposit Amount will be paid.
Issuing a Cheque Book No Fees No Fees No Fees
Cheques drawn on your account, which get returned,
AED 100 (AED 105 inclusive of VAT) AED 100 (AED 105 inclusive of VAT) AED 100 (AED 105 inclusive of VAT)
rejected or bounced (per cheque)
Cheque payable at centres where Central Bank clearing
No Fees No Fees No Fees
facility is not available
Cheques deposited in your own account which get
No Fees No Fees No Fees
returned, rejected or bounced
Cheques for collection within the UAE No Fees No Fees No Fees
Cheques for collection outside the UAE1 AED 50 (AED 52.5 inclusive of VAT) AED 50 (AED 52.5 inclusive of VAT) AED 50 (AED 52.5 inclusive of VAT)
Stop Payment instruction on a cheque (per instrument/
AED 50 (AED 52.5 inclusive of VAT) AED 50 (AED 52.5 inclusive of VAT) AED 50 (AED 52.5 inclusive of VAT)
cheque)
Counter cheques - cash withdrawal No Fees No Fees No Fees
Less than 1 year AED 10 (AED 10.50 inclusive of VAT), over 1 year AED
Cheque photocopy No Fees No Fees
20 (AED 21 inclusive of VAT)
Debit Cards
Issuing Debit Card NIL NIL NIL
Re-issuance of Debit Card PIN NIL AED 25 (AED 26.25 inclusive of VAT) AED 25 (AED 26.25 inclusive of VAT)
Debit Card Annual Fee NIL NIL NIL
Supplementary Debit Card Annual Fee# NIL NIL NIL
Debit Card Replacement Fee NIL AED 25 (AED 26.25 inclusive of VAT) AED 25 (AED 26.25 inclusive of VAT)
Copy of Sales Slip (Debit Cards retail transaction) NIL AED 25 (AED 26.25 inclusive of VAT) AED 25 (AED 26.25 inclusive of VAT)
Foreign Currency Processing Fee2a
Applicable on foreign currency transactions 2% (2.1% inclusive of VAT) of the transaction amount as converted into your account currency3
that are not in your account currency3
Processing fee for international transactions in AED2b 1% (1.05% inclusive of VAT) of the transaction amount, with effect from 1 December 2024
International Card Delivery fee AED 150 (AED 157.50 inclusive of VAT), with effect from 1 December 2024
Usage fee in UAE at HSBC ATMs
Cash withdrawal/deposit NIL NIL NIL
Balance enquiry NIL NIL NIL
Mini-Statement NIL NIL NIL
Transfer within HSBC UAE Accounts NIL NIL NIL
Utility Bill Payments NIL NIL NIL
HSBC Credit Card Payment NIL NIL NIL

1. For cheque(s) accepted for physical collection, processing time will be approximately 6 - 8 weeks and Drawee Bank charges may apply, which vary from USD 45 to USD 200. Courier charges may apply on USD cheques drawn on HSBC entities and affiliates for clearing through physical collection outside the UAE.
2. In addition, a standard processing fee (as determined by Visa/MasterCard) of up to 1.21% (inclusive of VAT) may also apply on: a. any foreign currency transactions where the currency used is Non-AED (irrespective of account currency) b. or international transactions where you opt to pay in your account currency (AED)
3. Foreign Currency Transactions that are not in your billing currency are converted into your billing currency by the card scheme (Visa or MasterCard) or HSBC using their applicable exchange rates on the day conversion is made (which may involve a conversion to US Dollars or Hong Kong Dollars first). If you opt to pay in your billing currency (AED) and
not the foreign currency applicable in the country, the merchant and their financial institutions’ applicable exchange rate will instead apply (which may be different from the rate used by HSBC, Visa or MasterCard) and you may be subject to additional fees from them.

3 Terms and Conditions apply. For more details visit www.hsbc.ae

 SCHEDULE OF SERVICES AND TARIFFS LAST UPDATED: 13 NOVEMBER 2024

HSBC GLOBAL PRIVATE BANKING, HSBC PREMIER, HSBC ADVANCE AND PERSONAL BANKING
# Symbol indicates fees which are automatically recurring. All other fees will be charged every single time it applies.

Description HSBC Global Private Banking HSBC Premier HSBC Advance Personal Banking

ATM / Debit Cards (continued)

In UAE at UAE Switch ATMs

Cash withdrawal NIL NIL AED 2 (AED 2.10 inclusive of VAT) for non-salary transfer customers.
AED 2 (AED 2.10 inclusive of VAT) , with effect from 1 December 2024
for salary transfer customers
Balance enquiry NIL NIL NIL - No Fees balance inquiry per month if salary is transferred to
HSBC1. Other transactions are charged as per the rate.
AED 1 (AED 1.05 inclusive of VAT) for non-salary transfer customers.
(Rate per transaction)

In GCC at HSBC ATMs

Cash withdrawal NIL NIL AED 6 (AED 6.30 inclusive of VAT)

Balance enquiry NIL NIL AED 3 (AED 3.15 inclusive of VAT)

(Rate per transaction)

In GCC Countries at GCC NET ATMs

Cash withdrawal NIL NIL AED 6 (AED 6.30 inclusive of VAT)

Balance enquiry NIL NIL AED 3 (AED 3.15 inclusive of VAT)

(Rate per transaction)

Internationally at other HSBC ATMs2

Foreign Currency Processing Fee3

Applicable on foreign currency transactions that are not in 2% (2.1% inclusive of VAT) of the transaction amount as converted into your account currency4
your account currency4
Cash withdrawal NIL AED 10 (AED 10.50 inclusive of VAT) AED 10 (AED 10.50 inclusive of VAT)

Balance enquiry NIL NIL NIL

(Rate per transaction)

Internationally at Visa/Plus ATMs

Cash withdrawal AED 20 (AED 21 inclusive of VAT) AED 20 (AED 21 inclusive of VAT) AED 20 (AED 21 inclusive of VAT)

Balance enquiry NIL NIL NIL

(Rate per transaction)

Foreign Currency Processing Fee3

Applicable on foreign currency transactions that are not in 2% (2.1% inclusive of VAT) of the transaction amount as converted into your account currency4
your account currency4

1) Eligible for a salary transfer between AED 5,000 and AED 10,000. A salary transfer letter from your employer must be provided and an application must be completed at any branch or customer service unit and approved by us to be able to enjoy these benefits. Effective 22nd July 2018.
2) Some HSBC ATMs are not on HSBC Group ATM network and as a result, fees presented under “Internationally at Visa/Plus ATMs” will apply. Please visit www.hsbc.ae/help/download-centre/ to see the HSBC Group ATMs member list.
3) In addition, a standard processing fee (as determined by Visa/MasterCard) of up to 1.21% (inclusive of VAT) may also apply on any foreign currency transactions where the currency used is Non-AED (irrespective of account currency).
4) Foreign currency purchases and ATM cash withdrawals that are not in your account currency are converted into your account currency by the card scheme (Visa or MasterCard) or HSBC using their applicable exchange rates on the day the conversion is made (which may involve a conversion to US Dollars). If you opt to pay in your account
currency (AED) and not the foreign currency applicable in the country, the merchant and their financial institutions’ applicable exchange rate shall apply.

4 Terms and Conditions apply. For more details visit www.hsbc.ae

 SCHEDULE OF SERVICES AND TARIFFS LAST UPDATED: 13 NOVEMBER 2024

HSBC GLOBAL PRIVATE BANKING, HSBC PREMIER, HSBC ADVANCE AND PERSONAL BANKING
# Symbol indicates fees which are automatically recurring. All other fees will be charged every single time it applies.

Description HSBC Global Private Banking HSBC Premier HSBC Advance Personal Banking

PHONE BANKING
Re-issuance of Phone Banking PIN No Fees No Fees No Fees

Ordering account statements No Fees No Fees No Fees

Funds transfer between HSBC UAE accounts No Fees No Fees No Fees

Statement by fax No Fees No Fees No Fees

Utility bill payments No Fees No Fees No Fees

(Etisalat, DEWA)
PERSONAL INTERNET BANKING
Funds transfer between HSBC UAE accounts No Fees No Fees No Fees

E-statements No Fees No Fees No Fees

Utility bill payments No Fees No Fees No Fees

(Etisalat, DEWA)
Set up of standing instructions No Fees No Fees No Fees

INWARD REMITTANCES (a, b, c, d, e)

In Foreign Currency

If credited to the beneficiary account in the currency of No Fees AED 25 (AED 26.25 inclusive of VAT) (eqiuv) AED 25 (AED 26.25 inclusive of VAT) (eqiuv)
transfer
If credited to the beneficiary account in currency other No Fees
than the currency of transfer

Notes:
a) The remitter bank may charge the remitter’s account for all or part of inward remittance fee, which we may claim from the remitting bank.
b) Beneficiary of the remittance may be required to pay a charge depending on the conditions set by the remitter or his/her bank.
c) Inward payments received by the customer may be subject to correspondent banking fees, which may be deducted from the proceeds of payments.
d) If the amount is to be credited in another currency to an HSBC account, the prevailing exchange rate will apply.
e) For any inward remittances received by HSBC UAE whereby the payment is returned back to the remitter as a result of an inaccurate or invalid payment order, a charge may be deducted by HSBC UAE from the original remittance amount. This charge will be dependent on each returned payment factors for example currency and the cost of
processing the returned payment.

5 Terms and Conditions apply. For more details visit www.hsbc.ae

 SCHEDULE OF SERVICES AND TARIFFS LAST UPDATED: 13 NOVEMBER 2024

HSBC GLOBAL PRIVATE BANKING, HSBC PREMIER, HSBC ADVANCE AND PERSONAL BANKING
# Symbol indicates fees which are automatically recurring. All other fees will be charged every single time it applies.

Description HSBC Global Private Banking HSBC Premier HSBC Advance Personal Banking

Outward Remittances (a, b, c)

DOMESTIC MONEY TRANSFERS IN AED

Online Banking / Branch /
Transfer within HSBC UAE
Phone Banking
Online Banking / Branch / No Fees
Transfer outside HSBC within UAE
Phone Banking

Additional bank charges, if applicable, for transfers outside HSBC UAE for charge type “OUR” Online Banking
are paid towards beneficiary bank charges Branch / Phone Banking No Fees AED 1 (AED 1.05 inclusive of VAT)
INTERNATIONAL MONEY TRANSFERS WITHIN HSBC
Transfer via ‘Global Transfers’ platform (For own accounts only) Online Banking No Fees
Online Banking / Branch /
Transfer to HSBC Jersey & Channel Islands - For amounts above or equal to USD 2,000 No Fees
Phone Banking

Additional bank charges for transfer to HSBC Jersey & Channel Islands, above or equal to USD Online Banking
No Fees
2,000 (Charges ‘OUR’) Branch / Phone Banking

Online Banking No Fees AED 40 (AED 42 AED 50 (AED 52.5 inclusive of VAT) AED 50 (AED 52.5 inclusive of VAT)
inclusive of VAT)
Transfer to other accounts within HSBC
Branch / Phone Banking No Fees AED 70 (AED 73.5 AED 100 (AED 105 inclusive of VAT) AED 100 (AED 105 inclusive of VAT)
inclusive of VAT)
Online Banking / Branch /
Correspondent bank charges for transfer to other accounts (Charges ‘OUR’) No Fees AED 50 (AED 52.5 inclusive of VAT)
Phone Banking
INTERNATIONAL MONEY TRANSFERS OUTSIDE HSBC

Online Banking No Fees AED 40 (AED 42 AED 50 (AED 52.5 inclusive of VAT) AED 50 (AED 52.5 inclusive of VAT)
inclusive of VAT)
Transfer Charges
Branch / Phone Banking No Fees AED 70 (AED 73.5 AED 100 (AED 105 inclusive of VAT) AED 100 (AED 105 inclusive of VAT)
inclusive of VAT)
Online Banking / Branch /
Correspondent bank charges (Charges ‘OUR’) No Fees AED 100 (AED 105 inclusive of VAT) (for all customers)
Phone Banking
Transfer to HSBC Turkey Online Banking No Fees Additional bank charges for transfer to HSBC Turkey (Charges ‘OUR’) No Fees

Other Charges
Recall of Money Transfer / Investigation of Status AED 100 (AED 105 inclusive of VAT)

Notes
a) Above charges are HSBC UAE charges only.
b) Other charges including beneficiary bank(s) and their correspondent bank(s) charges may be deducted from the remittance amounts irrespective of the charge method selected.
c) The beneficiary of a remittance may be required to pay additional charges depending on the conditions set by the payment system, remitter, remitting bank, or beneficiary bank. For example, for outward payments when the ordering party selects to pay all charges, HSBC will process the transaction with the charge type ‘OUR’, however, it is
important to note that some local country clearing systems do not recognize this charge type including payments that are cleared through the Federal Reserve or Clearing House Interbank Payments System (CHIPS) in the USA. For this reason, correspondent banks in the USA may change the charge type from ‘OUR’ to ‘SHA’ or ‘BEN’ when routing
the payment to the final beneficiary bank.

6 Terms and Conditions apply. For more details visit www.hsbc.ae

 SCHEDULE OF SERVICES AND TARIFFS LAST UPDATED: 13 NOVEMBER 2024

HSBC GLOBAL PRIVATE BANKING, HSBC PREMIER, HSBC ADVANCE AND PERSONAL BANKING
# Symbol indicates fees which are automatically recurring. All other fees will be charged every single time it applies.

Description HSBC Global Private Banking / HSBC Premier HSBC Advance Personal Banking

Cashier Order
Issuance AED 75 (AED 78.75 inclusive of VAT) AED 75 (AED 78.75 inclusive of VAT) AED 75 (AED 78.75 inclusive of VAT)

Cancellation (with original returned): AED 75 (AED 78.75 inclusive of VAT) AED 75 (AED 78.75 inclusive of VAT) AED 75 (AED 78.75 inclusive of VAT)

Stop payment AED 50 (AED 52.5 inclusive of VAT) AED 50 (AED 52.5 inclusive of VAT) AED 50 (AED 52.5 inclusive of VAT)

Other Benefits

Overdrafts

Overdraft Annual Renewal Fee No Fees No Fees No Fees

Interest Free portion of the Overdraft limit First AED 5,000 First AED 2,000 First AED 500

Pre-Authorised Overdraft Annual Percentage Rate 17% per annum (reducing balance) 19% per annum (reducing balance) 21% per annum (reducing balance)
Un-Authorised / Exceptional / Overlimit Annual Percentage
22% per annum (reducing balance) 22% per annum (reducing balance) 22% per annum (reducing balance)
Rate (AED balances)
Un-Authorised / Exceptional / Overlimit Annual Percentage
20% per annum (reducing balance) 20% per annum (reducing balance) 20% per annum (reducing balance)
Rate (non-AED balances)
Other charges

International Account Opening No Fees No Fees No Fees

Branch Dedicated Teller No Fees for over the counter transactions N/A N/A
1% (1.05% inclusive of VAT) with a minimum of AED 25 (AED 26.25 1% (1.05% inclusive of VAT) with a minimum of AED 25 (AED 26.25 1% (1.05% inclusive of VAT) with a minimum of AED 25 (AED 26.25
Deposit or withdrawal in currency notes other than AED
inclusive of VAT) inclusive of VAT) inclusive of VAT)
Foreign currency Sale and Purchase fee 1% (1.05% inclusive of VAT)of the value of the transaction amount 1% (1.05% inclusive of VAT)of the value of the transaction amount 1% (1.05% inclusive of VAT)of the value of the transaction amount

Emergency Encashment No Fees for Emergency Encashment service No Fees for Emergency Encashment service US$ 20 (US$ 21 inclusive of VAT)

Notes
1) Electronic = Transactions originating from internet banking and electronic standing instructions
2) Manual = Transactions originating through Branches and telephone Banking

7 Terms and Conditions apply. For more details visit www.hsbc.ae

 SCHEDULE OF SERVICES AND TARIFFS LAST UPDATED: 13 NOVEMBER 2024

HSBC GLOBAL PRIVATE BANKING, HSBC PREMIER, HSBC ADVANCE AND PERSONAL BANKING
# Symbol indicates fees which are automatically recurring. All other fees will be charged every single time it applies.

Description Global Private Banking HSBC Premier HSBC Advance Personal Banking

GLOBAL MONEY

Open and Hold a Global Money Account Fees – AED 0

Global Money Account (GMA)
All transfers within HSBC group have no fees – AED 0

Fees and charges (inclusive of VAT) for the transactions with supported currencies on GMC Fees (AED)

Digital Card Issuance fee NIL

Physical Card Issuance fee NIL

Card Replacement fee NIL

ATM Withdrawal fee ** NIL

POS Transaction fee NIL

Global Money Debit Card (GMC) Foreign Currency Transaction fee NIL

Balance Enquiry NIL

HSBC Exchange Rate
Exchange rate applicable for supported currencies

Exchange rate applicable for unsupported currencies* Visa’s exchange rate

*When the GMC is used for unsupported currencies Visa will convert the transaction from your primary wallet’s currency (AED) to the respective transaction currency.
They’ll do this on the day they process the transaction (which can be different to the transaction date) using their exchange rates. You can check Visa exchange rates by visiting the Visa’s website.
**Card usage is with no foreign currency processing fees on the supported currencies. Other banks ATMs (including HSBC ATMs outside UAE) may charge an ATM fee on cash withdrawals. Unsupported currencies are subject
to the foreign currency processing fee and the standard processing fee as determined by Visa
For global money transfer payments on mobile, for ‘Standard Bank Transfer’, fees will be applied as AED 75 per transaction + 5% VAT (AED 78.75 per transaction
Global Money Transfers (GMT - Debiting either current/ inclusive of VAT) for Premier, Advance and Personal Banking customers when sending money in supported non-local currency to a supported country from your global
No HSBC Fees ***
savings account or Global Money Account) money account or eligible current or savings account. To elaborate with an example, if an international transfer made on the HSBC UAE App is sent to a non HSBC
account in Oman in USD that will incur an HSBC Fees. If the transfer is sent in OMR to a non HSBC account then there will be no HSBC Fees ***

***Correspondent and receiving banks may charge additional fees when they process the transaction

8 Terms and Conditions apply. For more details visit www.hsbc.ae

 SCHEDULE OF SERVICES AND TARIFFS LAST UPDATED: 13 NOVEMBER 2024

PERSONAL LOANS
# Symbol indicates fees which are automatically recurring. All other fees will be charged every single time it applies.

Description Fee
Annual Percentage Rate (APR) (New Loans & Top up) 1 7% - 19.25%1

Arrangement Fee (New Loans) 1% (1.05% inclusive of VAT) of loan amount with a minimum of AED 500 (AED 525 inclusive of VAT) and maximum AED 2,500 (AED 2,625 inclusive of VAT)

Arrangement Fee (Top-up) 1% (1.05% inclusive of VAT) of top-up amount with a minimum of AED 500 (AED 525 inclusive of VAT) and maximum AED 2,500 (AED 2,625 inclusive of VAT)

Late Payment Charge 2% (2.10% inclusive of VAT) of the delayed amount with a minimum of AED 50 (AED 52.5 inclusive of VAT) and maximum AED 140 (AED 147 inclusive of VAT)

Early settlement of loan (other sources / End Of Service Benefit) 1% (1.05% inclusive of VAT) of outstanding loan amount with a maximum of AED 10,000 (AED 10,500 inclusive of VAT), whichever is lower2

Early settlement from other bank loans 1% (1.05% inclusive of VAT) of outstanding loan amount with a maximum of AED 10,000 (AED 10,500 inclusive of VAT), whichever is lower2

Partial payment of loan 1% (1.05% inclusive of VAT) of partial payment amount or max fee of AED 10,000 (AED 10,500 inclusive of VAT), whichever is lower2

Loan Cancellation Fee AED 100 (AED 105 inclusive of VAT)

Liability Letter AED 50 (AED 52.5 inclusive of VAT)

No Liability Letter AED 50 (AED 52.5 inclusive of VAT)

Loan rescheduling fee AED 250 (AED 262.5 inclusive of VAT)

Payment Holiday Administration Fee AED 100 (AED 105 inclusive of VAT) for each Payment Holiday

VEHICLE LOANS
# Symbol indicates fees which are automatically recurring. All other fees will be charged every single time it applies.

Description Fee
Early Settlement for car loan 1% (1.05% inclusive of VAT) of remaining balance

Advance payment of instalment 1% (1.05% inclusive of VAT) of the advanced payment

Change of due date on standing instructions AED 25 (AED 26.25 inclusive of VAT)

Liability Letter AED 50 (AED 52.5 inclusive of VAT)

Late payment charge 2% (2.10% inclusive of VAT) of the delayed amount with a minimum of AED 50 (AED 52.5 inclusive of VAT) and maximum AED 145 (AED 152.25 inclusive of VAT)

Courier charges (optional) AED 30 (AED 31.5 inclusive of VAT)

1 Personal Loans: Annual Percentage Rate quoted is based on reducing rate which is fixed throughout the loan tenor, and is inclusive of 1% arrangement fee amortized over the maximum loan tenor of 48 months. Interest is calculated on the basis of a 365 day calendar year and accrues daily. We apply the interest rate to your Loan balance as it
reduces each month (i.e. as you pay each scheduled instalment).
2 Early Settlement of Loan Fee is not applicable to employees of the UAE Armed Forces or Ministry of Defence employees.

9 Terms and Conditions apply. For more details visit www.hsbc.ae

 SCHEDULE OF SERVICES AND TARIFFS LAST UPDATED: 13 NOVEMBER 2024

HOME LOANS
# Symbol indicates fees which are automatically recurring. All other fees will be charged every single time it applies.

Description - 3 MONTH EIBOR BASED RATE/EXISTING VARIABLE RATE HOME LOAN CUSTOMERS

The 3 month EIBOR based rate is comprised of the 3 month EIBOR which is updated on a quarterly basis and a fixed margin that remains fixed for the life of the loan (which can be found in your home loan agreement). Please use this Schedule of Services and Tariffs to monitor EIBOR on
a quarterly basis.
Applicable Interest Rates for new home loan customers: Annual Percentage Rate (APR) starting from 5.52% (exclusive of any additional amount related to your insurance cover)

3-Month EIBOR Based Rate (Emirates Interbank Offered Rate)

3 Months EIBOR at 1 October 2024: 4.53099%

Applicable Interest Rates for Existing Variable Rate Home Loan Customers

Please contact us on 800-HOUSE if you would like to know further details on your Variable Rate Home Loan

Home Loan Arrangement Fees

Balance Transfer

Personal Banking and Advance Customers AED 2,500 (AED 2,625 inclusive of VAT)
Arrangement fee for the transfer of the Home Loan.
HSBC Global Private Banking and Premier Customers AED 2,500 (AED 2,625 inclusive of VAT)

New Home Purchase and Equity Release Loan

1% (1.05% inclusive of VAT)of loan amount, Min. AED 5,000 (AED 5,250
Personal Banking & Advance Customers Standalone Arrangement fees payable on the amount of the approved loan to cover our cost
inclusive of VAT)
of preparation of your documentation and processing of your loan and any other expenses
0.5% (0.525% inclusive of VAT) of loan amount, Min. AED 5,000 (AED 5,250 that could arise. To be paid at the time of approval.
HSBC Global Private Banking and Premier Customers
inclusive of VAT)

Note:
Life Insurance and Property Insurance, are mandatory for Home Loan and must be assigned to the Bank and shall be renewed annually for the term of the Loan by the borrower.
Subject to internal policies and any applicable mortgage regulations
* EIBOR Rate as of 1 October 2024 which shall be effective from 1 October 2024.

10 Terms and Conditions apply. For more details visit www.hsbc.ae

 SCHEDULE OF SERVICES AND TARIFFS LAST UPDATED: 13 NOVEMBER 2024

HOME LOANS (CONTINUED)

# Symbol indicates fees which are automatically recurring. All other fees will be charged every single time it applies.

Description - 3 MONTH EIBOR BASED RATE/EXISTING VARIABLE RATE HOME LOAN CUSTOMERS

Home Loan Closure Fees

From own funds/sale of property - 1 % (1.05% inclusive of VAT) on the outstanding When you repay the loan in full within the first 3 years of the Repayment Period, you need to pay an Early Settlement Charge
loan amount or AED 10,000 (AED 10,500 inclusive of VAT), whichever is less*
Early Settlement Charge for home loans Transfer of home loan to another lender - 1 % (1.05% inclusive of VAT) on the
outstanding loan amount or AED 10,000 (AED 10,500 inclusive of VAT), whichever is When you repay the loan in full within the first 7 years of the Repayment Period, you need to pay an Early Settlement Charge
less*
Other Fees

If the total value of overpayment amounts in a calendar year does not exceed 25% of the total outstanding loan amount (calculated at the time of the first
No fee overpayment in that calendar year). No re-draws are available. Subject to a minimum overpayment amount of AED 25,000 on top of your usual monthly
instalment. Payments must be made on the monthly instalment date
Overpayment Fee: If the total value of overpayment amounts in a calendar year exceeds 25% of the total outstanding loan amount (calculated at the time of the first overpayment
1 % (1.05% inclusive of VAT) on the loan amount being overpaid* or AED 10,000 (AED in that calendar year). The fee will be levied only on the overpaid amount which exceeds the 25%. No re-draws are available. Subject to a minimum overpayment
10,500 inclusive of VAT), whichever is less* amount of AED 25,000 on top of your usual monthly instalment. Payments must be made on your monthly instalment date.
Note: No overpayment fee will be charged after 7 years from the loan draw down date
Non-standard statement production/copy of original AED 100 (AED 105 inclusive of VAT) Charge per document
documentation
Home Loan liability letter AED 50 (AED 52.5 inclusive of VAT) Charge per letter

Late payment fee Nil

Default interest rate Prevailing interest rate as set-out in your home loan agreement We will continue to charge interest on all overdue payments at the prevailing rate set-out in your home loan agreement until the date of repayment

Change of parties on Home Loan offer letter AED 500 (AED 525 inclusive of VAT) Charged on re-issuance of offer due to change of names post drawdown

Loan rescheduling fee AED 1,000 (AED 1,050 inclusive of VAT) Charged when the term of the loan is rescheduled (i.e. where there is an increase/decrease in the term)

Property swaps administration fee AED 1320 (AED 1386 inclusive of VAT) To be paid when the property financed is being swapped to a different property offered by a Developer, inclusive of valuation fee

Issuance of No Objection Certificate (NOC) AED 150 (AED 157.5 inclusive of VAT)

Clearance letter AED 95 (AED 99.75 inclusive of VAT) Charged in case of re-issuance only (one time No Fees when loan is fully repaid).

Other certificate AED 75 (AED 78.75 inclusive of VAT)

Property Valuation Fees

Buyout Home Loans AED 2,625 Fee to be paid in the event a standard valuation is required. Please note that a valuation will need to be completed at the application stage for all
completed properties and is non-refundable in the event the application does not progress. The valuation will be carried out by an independent
New Purchase Home Loans AED 2,625 valuation company on HSBC’s panel. In the event of a property swap a valuation of the new property will also be required. These fees are a direct
cost from the valuation company which we collect from you and pass on to the relevant valuation company.
* Applicable for existing Home Loan customers from 8 October 2019.

Special Notes:
1) Your home will be at risk if you do not make payments on a home loan, or any other liabilities that may be secured against it.
2) EIBOR Rate as of 1 October 2024 which shall be effective from 1 October 2024.
3) Fees and charges on this Schedule of Services and Tariffs are subject to change. Prior notice will be given as per applicable laws and regulations. Please refer to the HSBC website (http://www.hsbc,ae) for the latest tariff sheet.
4) This tariff sheet does not include any charges / fees of third parties (e.g. Lands Department, Developer etc.) which must be borne by the customer on actual basis.
5) All Fees paid to the bank are non-refundable.
6) Loan to Value (LTV) will be applicable as per the Central Bank regulations and HSBC policy.

11 Terms and Conditions apply. For more details visit www.hsbc.ae

 SCHEDULE OF SERVICES AND TARIFFS LAST UPDATED: 13 NOVEMBER 2024

HOME LOANS (CONTINUED)

# Symbol indicates fees which are automatically recurring. All other fees will be charged every single time it applies.

Description - FIXED INTEREST RATE HOME LOAN

The Fixed Interest Rate Home Loan product is comprised of a fixed interest rate period and a variable interest rate period. During the variable period, the interest rate is comprised of the 3 Month EIBOR which is updated on a quarterly basis and an HSBC Margin that remains fixed for the life of the loan
after the expiry of the fixed interest rate period. Details of the margin can be found in your home loan agreement.
Applicable Interest Rates for new home loan customers: Annual Percentage Rate (APR) starting from 3.99% (exclusive of any additional amount related to your insurance cover)

Home Loan Arrangement Fees

Balance Transfer

Personal Banking and Advance Customers AED 2,500 (AED 2,625 inclusive of VAT)
Arrangement fee for the transfer of the Home Loan.
HSBC Global Private Banking and Premier Customers AED 2,500 (AED 2,625 inclusive of VAT)

New Home Purchase and Equity Release Loan

1% (1.05% inclusive of VAT)of loan amount, Min. AED 5,000 (AED 5,250
Personal Banking & Advance Customers
inclusive of VAT) Standalone Arrangement fees payable on the amount of the approved loan to cover our cost of preparation of your
0.5% (0.525% inclusive of VAT) of loan amount, Min. AED 5,000 (AED 5,250 documentation and processing of your loan and any other expenses that could arise. To be paid at the time of approval.
HSBC Global Private Banking and Premier Customers
inclusive of VAT)

Fixed Interest rate home loan closure and other fees

Home loan closure fees

Fixed Period Repayment Fee / Early Settlement Charge during the Variable Interest 1 % (1.05% inclusive of VAT) on the outstanding loan amount or AED 10,000
When you repay the loan in full within the first 7 years of the Repayment Period, you need to pay an Early Settlement Charge
Rate Period (AED 10,500 inclusive of VAT), whichever is less*

Note:
Life Insurance and Property Insurance, are mandatory for Home Loan and must be assigned to the Bank and shall be renewed annually for the term of the Loan by the borrower.
Subject to internal policies and any applicable mortgage regulations
* Applicable for existing Home Loan customers from 1 April 2021.

12 Terms and Conditions apply. For more details visit www.hsbc.ae

 SCHEDULE OF SERVICES AND TARIFFS LAST UPDATED: 13 NOVEMBER 2024

HOME LOANS (CONTINUED)

# Symbol indicates fees which are automatically recurring. All other fees will be charged every single time it applies.

Description - FIXED INTEREST RATE HOME LOAN

Other Fees
If the total value of overpayment amounts in a calendar year does not exceed 25% of the total outstanding loan amount
(calculated at the time of the first overpayment in that calendar year). No re-draws are available. Subject to a minimum
No fee
overpayment amount of AED 25,000 on top of your usual monthly instalment. Payments must be made on the monthly
instalment date
Overpayment Fee during Fixed Interest Rate and Variable Interest Rate Period If the total value of overpayment amounts in a calendar year exceeds 25% of the total outstanding loan amount (calculated
at the time of the first overpayment in that calendar year). The fee will be levied only on the overpaid amount which exceeds
1 % (1.05% inclusive of VAT) on the loan amount being overpaid* or AED the 25%. No redraws are available. Subject to a minimum overpayment amount of AED 25,000 on top of your usual monthly
10,000 (AED 10,500 inclusive of VAT), whichever is less* instalment. Payments must be made on your monthly instalment date.

Note: No overpayment fee will be charged after 7 years from the loan draw down date
Non-standard statement production/copy of original documentation AED 100 (AED 105 inclusive of VAT) Charge per document

Home Loan liability letter AED 50 (AED 52.5 inclusive of VAT) Charge per letter

Late payment fee Nil

Default interest rate Prevailing interest rate as set-out in your home loan agreement We will continue to charge interest on all overdue payments at the prevailing rate set-out in your home loan agreement until the
date of repayment
Change of parties on Home Loan offer letter AED 500 (AED 525 inclusive of VAT) Charged on re-issuance of offer due to change of names post drawdown

Loan rescheduling fee AED 1,000 (AED 1,050 inclusive of VAT) Charged when the term of the loan is rescheduled (i.e. where there is an increase/decrease in the term)

Property swaps administration fee AED 1320 (AED 1386 inclusive of VAT) To be paid when the property financed is being swapped to a different property offered by a Developer, inclusive of valuation fee

Issuance of No Objection Certificate (NOC) AED 150 (AED 157.5 inclusive of VAT)

Clearance letter AED 95 (AED 99.75 inclusive of VAT) Charged in case of re-issuance only (one time No Fees when loan is fully repaid).

Other certificate AED 75 (AED 78.75 inclusive of VAT)

Property Valuation Fees

Buyout Home Loans AED 2,625 Fee to be paid in the event a standard valuation is required. Please note that a valuation will need to be completed at the
application stage for all completed properties and is non-refundable in the event the application does not progress. The
valuation will be carried out by an independent valuation company on HSBC’s panel. In the event of a property swap a
New Purchase Home Loans AED 2,625 valuation of the new property will also be required. These fees are a direct cost from the valuation company which we collect
from you and pass on to the relevant valuation company.

*Applicable for existing Home Loan customers from 8 October 2019.

Special Notes:
1) Your home will be at risk if you do not make payments on a home loan or any other liabilities that may be secured against it.
2) EIBOR Rate as of 1 October 2024 which shall be effective from 1 October 2024.
3) Fees and charges on this Schedule of Services and Tariffs are subject to change. Prior notice will be given as per applicable laws and regulations. Please refer to the HSBC website (http://www.hsbc,ae) for the latest tariff sheet.
4) This tariff sheet does not include any charges / fees of third parties (e.g. Lands Department, Developer etc.) which must be borne by the customer on actual basis.
5) All Fees paid to the bank are non-refundable.
6) Loan to Value (LTV) will be applicable as per the Central Bank regulations and HSBC policy.

13 Terms and Conditions apply. For more details visit www.hsbc.ae

 SCHEDULE OF SERVICES AND TARIFFS LAST UPDATED: 13 NOVEMBER 2024

CREDIT CARDS
# Symbol indicates fees which are automatically recurring. All other fees will be charged every single time it applies.
HSBC Black / Global HSBC Emirates
HSBC Emirates HSBC Max HSBC Platinum
Description Private Banking Card HSBC Premier HSBC Cash+ Skywards HSBC Advance HSBC Cashback HSBC Platinum HSBC Gold HSBC Zero
Skywards Infinite Rewards Select
Credit Card Signature
Primary card annual fee# AED 1500 (AED 1,575
AED 299 (AED
inclusive of VAT) No AED 1,000 (AED AED 1,000 (AED AED 2,500 (AED AED 600 (AED 630 AED 400, (AED 420
AED 600 (AED 630 313.95 inclusive
Fees for No Fees 1,050 inclusive of 1,050 inclusive of 2,625 inclusive of No Fees inclusive of VAT) No Fees inclusive of VAT) No Fees
inclusive of VAT) of VAT)
HSBC Global Private VAT) VAT) VAT)
Banking Credit Card
Supplementary cards
No Fees No Fees No fees No fees No fees No fees First 2 No Fees, Fee of AED 50 (AED 52.5 inclusive of VAT) thereafter No Fees
(shared limit) annual fee#
Supplementary cards
one time set-up fee
for separate limit, all AED 75 (AED 78.75 inclusive of VAT)/
No Fees No Fees No fees No fees No fees No fees AED 100 (AED 105 inclusive of VAT) / Supplementary Card
other fees and charges Supplementary Card
excluding annual fees
apply
Annual Percentage Rate
44.28%
on purchases1
Annual Percentage Rate
44.28%
on cash withdrawals1
Cash advance /
3% (3.15% inclusive of VAT) of total amount or AED 100 (AED 105 inclusive of VAT) (which ever is higher) No Fees
withdrawal fee2
Card replacement fee No Fees
Late payment fee, per
AED 230 (AED 241.5 inclusive of VAT), No Fee for HSBC Global Private Banking Credit Card
instance
Over limit fee3 AED 250 (AED
No Fees, No Fees,
262.5 inclusive
AED 275 (AED 288.75 AED 275 (AED
of VAT), AED AED 275 (AED AED 275 (AED
inclusive of VAT) with 288.75 inclusive
275 (AED 288.75 288.75 inclusive 288.75 inclusive AED 250 (AED 262.5 inclusive of VAT), AED 275 (AED 288.75 inclusive of VAT) with effect from 1 December 2024 No Fees
effect from 1 December of VAT) with effect
inclusive of VAT) of VAT) of VAT)
2024 for HSBC Black from 1 December
with effect from 1
Credit Card only 2024
December 2024
Retrieve copy of sales slip No Fees No Fees AED 25 (AED 26.25 inclusive of VAT)
Returned cheque fee AED 100 (AED 105 inclusive of VAT)
Charge for disputing a
transaction subsequently No Fees No Fees AED 100 (AED 105 inclusive of VAT)
found to be genuine

1) Will increase by 12% (6% for HSBC Black, Global Private Banking Credit Card and HSBC Premier MasterCard) for so long as the Cardholder is overdue on the payment. Original
5) In addition, a standard processing fee (as determined by Visa/MasterCard) of up to 1.21% (inclusive of VAT) may also apply on:
Finance Charge rates will be re-instated when Cardholder is not overdue from the next statement date. In addition, a Collection Agency Fee will be charged to the Cardholder’s
a. any foreign currency transactions where the currency used is Non-AED
Account when the Bank appoints an external Collection Agency to follow up on the outstanding payment.
b. or international transactions where you opt to pay in your billing currency (AED)
2) Certain transactions will be charged as if they were Cash Advances, including purchases at exchange houses, any purchase of foreign currency or any other transactions
6) Foreign Currency Transactions that are not in your billing currency are converted into your billing currency by the card scheme (Visa or MasterCard) or HSBC using their
classified by Visa, MasterCard or HSBC as Quasi Cash. These transactions will be levied with cash interest rate and cash withdrawal fee. The “total amount” shall be the amount
applicable exchange rates on the day conversion is made (which may involve a conversion to US Dollars or Hong Kong Dollars first). If you opt to pay in your billing currency
of cash withdrawn plus any applicable Foreign Currency Processing Fee.
(AED) and not the foreign currency applicable in the country, the merchant and their financial institutions’ applicable exchange rate will instead apply (which may be different
3) We will charge an over limit fee to the Primary Credit Card Account Holder (or the Supplementary Cardholder) if the credit limit is exceeded. This fee will continue to be charged from the rate used by HSBC, Visa or MasterCard) and you may be subject to additional fees from them.
for each billing period until the Cardholder clears the balance in excess of the Cardholders credit limit at the beginning of the next cycle.
7) Please note that HSBC may receive commission from the insurance company for insurance purchased through the Bank. This commission is paid directly by the insurance
4) Some HSBC ATMs are not on HSBC Group ATM network and as a result, Visa / Plus charges will apply. Please visit www.hsbc.ae/help/download-centre/ to see the HSBC Group company. For details of the commission rates please refer to page 16 below. N.B. Credit Shield Plus is an off-sale insurance product and is only applicable for customers who
ATMs member list.. previously enrolled in the product and currently hold a HSBC Black Credit Card and have had the product transferred across.

14 Terms and Conditions apply. For more details visit www.hsbc.ae

 SCHEDULE OF SERVICES AND TARIFFS LAST UPDATED: 13 NOVEMBER 2024

CREDIT CARDS (CONTINUED)

# Symbol indicates fees which are automatically recurring. All other fees will be charged every single time it applies.
HSBC Black / Global HSBC Emirates
HSBC Emirates HSBC Max HSBC Platinum
Description Private Banking Card HSBC Premier HSBC Cash+ Skywards HSBC Advance HSBC Cashback HSBC Platinum HSBC Gold HSBC Zero
Skywards Infinite Rewards Select
Credit Card Signature
Access to HSBC Current/
Savings Account through
VISA/Plus, Master/Cirrus
N/A AED 20 (AED 21 inclusive of VAT) Per transaction
or UAE Switch ATMs per
transaction both within
and outside the UAE
Access to HSBC Current/
Savings Account
N/A No Fees Inside the UAE: No Fees Outside the UAE: AED 10 (AED 10.50 inclusive of VAT) per transaction
through HSBC ATMs per
transaction4
Foreign Currency
Processing Fee5a
Applicable on foreign
2% (2.1% Inclusive of VAT) of the transaction amount as converted into your billing currency6
currency transactions
that are not in your billing
currency6
Processing fee for
1% (1.05% inclusive of VAT) of the transaction amount, with effect 1% (1.05% inclusive of VAT) of the
international transactions 1% (1.05% inclusive of VAT) of the transaction amount, with effect from 1 December 2024
from 1 December 2024 transaction amount
in AED5b
0.1465% (inclusive of
Credit Shield Plus7 VAT) of Outstanding N/A
Balance
Credit Card paper
No Fees
statement charges
International Card Delivery
AED 150 (AED 157.50 inclusive of VAT), with effect from 1 December 2024
fee
No liability certificate AED 50 (AED 52.5 inclusive of VAT)

Liability letter AED 50 (AED 52.5 inclusive of VAT)

Balance Transfer (BT) Reducing balance fixed Annual Percentage Rate - 0.00% to 29.88%. The interest rate offered will be dependent on your individual circumstances and the plan term. Early settlement fee - AED 0

Cash Instalment Plan (CIP) Reducing balance fixed Annual Percentage Rate - 0.00% to 29.88%. The interest rate offered will be dependent on your individual circumstances and the plan term.
Reducing balance fixed Annual Percentage Rate - 0.00% to 29.88% The interest rate offered will be dependent on your individual circumstances and the plan term.
Flexi Instalment Plan (FIP) Flexi Instalment Plan fee - A Fee of 2.00% (2.10% inclusive of VAT) of the purchase amount will apply for instalment conversions of education related purchases. No fee to apply on other instalment conversions.
Early settlement fee - AED 0
Your minimum repayment shall be the total of:
(A) The total of any Flexible Instalment Plan, Cash Instalment and any other flexible instalment monthly payment plan, any amount in excess of your credit limit and any relevant insurance premium; and
(B) For each purchase, Cash Advance, Balance Transfer, Cash Instalment Plan or any other Credit Card Features you have taken out, the greater of:
Minimum payment due i. the total plan balance or AED 100 (whichever is lower); or
ii. 5% of the balance of that category of transactions on your account; or
(C) the total monthly interest and fees charged including any annual membership fee ; and
(D) any unpaid minimum amounts from previous billing period.

15 Terms and Conditions apply. For more details visit www.hsbc.ae

 SCHEDULE OF SERVICES AND TARIFFS LAST UPDATED: 13 NOVEMBER 2024

INVESTMENT FEES & CHARGES

# Symbol indicates fees which are automatically recurring. All other fees will be charged every single time it applies.

Description Subscription Fees Redemption Fees Custody Fees Platform Fees

Mutual Funds*

Money Market 0% No Fees

2% (2.1% inclusive of VAT) of the investment amount (lump sum)
Bonds No Fees
#2% (2.1% inclusive of VAT) of each regular instalment (regular savings plan)
3% (3.15% inclusive of VAT) of the investment amount (lump sum)
Equities and Others No Fees
#3% (3.15% inclusive of VAT) of each regular instalment (regular savings plan)

* There are currently no charges for switching your mutual fund investments taken through us

Alternative Investments

HSBC Global RAIF Portfolios 1% (1.05% inclusive of VAT) of the investment amount. No fees

HSBC Global Hedge Fund 2% (2.10% inclusive of VAT) of the investment amount No fees

HSBC Savings Plan

Perpetual Savings Plan Charges a one-time initial fixed fee which is equal to the first monthly instalment plus VAT’ No Fees

Fixed Income

Bonds and Sukuk 2% (2.1% inclusive of VAT) of the notional amount No Fees

US Treasury Bills 0.25% (0.26% inclusive of VAT) of the notional amount No Fees

Structured Products

The subscription fees applicable will vary depending on the relevant Structured Product subject to investment.
The applicable subscription fees will be mentioned in the Structured Product Key Facts Statement document and the Structured Product Application No fees
Form.

Investment financing

The Investment financing Facility Interest Rate is comprised of an Interest Margin and the 3 Month EIBOR. We will review and update the 3 Month EIBOR Rate quarterly on every Rate Review Date. The Details of the Interest Rate and the Rate Review Date can be found in the Master
Investment financing Terms and Conditions.

3 Months EIBOR at 1 October 2024 4.53099% per annum

Interest Margin 1% per annum

Margin Finance

Effective 8 December, 2022, Margin Finance Facility is available on variable Interest Rate, comprised of an Interest Margin and the Reference Rate. We will review and update the Reference Rate periodically on every Rate Review Date. The details of the Interest Rate and the Rate Review
Date can be found in the Margin Finance Master Terms and Conditions.

“Reference Rate” means: Rate %

in respect of a Loan for which the Loan Currency is US dollars, 3 Month Term SOFR at 1 October 2024: 4.59335% per annum

in respect of a Loan for which the Loan Currency is Sterling, 3 Month Term SONIA at 1 October 2024: 4.8156% per annum

in respect of a Loan for which the Loan Currency is Euro, 3 Month EURIBOR at 1 October 2024: 3.326% per annum

Interest Margin 1% per annum

16 Terms and Conditions apply. For more details visit www.hsbc.ae

 SCHEDULE OF SERVICES AND TARIFFS LAST UPDATED: 13 NOVEMBER 2024

INSURANCE
# Symbol indicates fees which are automatically recurring. All other fees will be charged every single time it applies.
General Insurance

For distributing the GIG Motor insurance HSBC will receive a commission rate of up to 15% of the premium paid.

For distributing the GIG Home insurance HSBC will receive a commission rate of up to 25% of the premium paid.

For distributing the GIG Travel insurance HSBC will receive a commission rate of up to 25% of the premium paid.

For distributing the GIG Personal Accident insurance HSBC will receive a commission rate of up to 30% of the premium paid.

Group Life Insurance

For arranging cover under HSBC’s MetLife Credit Shield Plus (CSP) Policy HSBC will receive a commission rate of10% of Outstanding Credit Card Balance

Life Insurance

HSBC receives commission from the Zurich International Life Ltd (insurance provider) which is paid directly by Zurich and the below highlights the maximum commissions.

The actual commission paid will vary according to the policy term and the type of cover, for fuller details refer to the provider’s Summary of Fees and Charges document shared with you at the point of sale.

YourLife Up to 150% of your annualised premium

YourCare Up to 100% of your annualised premium

For Policies issued on or after 15 Oct 2020:

Global Choice Up to 12% of your annualised premium

International Term Assurance Up to 160% of your annualised premium

Critical Illness Protection Up to 160% of your annualised premium

International Decreasing Term Insurance Products Up to 160% of your annualised premium

Futura

Regular premiums Up to 109.6% of your annualised premium

Single premiums Up to 6% of your single premium

Wealth Accumulation Plan Up to 4.5% of your single premium

For Policies Issued before 15 Oct 2020:

International Term Assurance Up to 174% of your annualised Premium

International Decreasing Term Assurance Up to 174% of your annualised premium

Futura

Regular premiums Up to 130.5% of your annualised premium

Single premiums Up to 14% of your single premium

Wealth Accumulation Plan Up to 4.5% of your single premium

17 Terms and Conditions apply. For more details visit www.hsbc.ae

 SCHEDULE OF SERVICES AND TARIFFS LAST UPDATED: 13 NOVEMBER 2024

ONLINE TRADING PLATFORM

# Symbol indicates fees which are automatically recurring. All other fees will be charged every single time it applies.

Orders Submitted through Online Trading Platform

Description Fees
Fee Type HSBC Global Private Banking Premier Advance Personal Banking
Buy Transaction Fees 0.3% (0.315% inclusive of VAT) of transaction value or USD 35 (USD36.75 inclusive of VAT) or equivalent in Security 0.5% (0.525% inclusive of VAT) of transaction value or USD50 (USD52.5 inclusive of VAT) or equivalent
Currency, whichever is higher. in Security Currency, whichever is higher.
Sell Transaction Fees Fixed Fee USD35 (USD36.75 inclusive of VAT) or equivalent in Security Currency. Fixed Fee USD50 (USD52.5 inclusive of VAT) or equivalent in Security Currency.

Orders Submitted through Relationship Manager

Fee Type Eligible Customers Only
Buy Transaction Fees 1% (1.05% inclusive of VAT) of transaction value or USD100 (USD105 inclusive of VAT) or equivalent in Security Currency, whichever is higher.
Sell Transaction Fees Fixed Fee USD100 (USD105 inclusive of VAT) or equivalent in Security Currency.

In addition to the above, the customer will be charged the following brokerage fees payable to the broker HSBC Bank PLC (UK) if the customer order is relating to an Equity Security.
Exchange Market Brokerage Fees per Trade Minimum Brokerage Fee per Trade
US $0.0025CPS ($0.0026 CPS inclusive of VAT) USD5 (USD5.25 inclusive of VAT)
UK 0.01% (0.0105% inclusive of VAT) of transaction value GBP4 (GBP4.2 inclusive of VAT)
HK 0.05% (0.0525% inclusive of VAT) of transaction value

In addition to the above, customer will be charged each the following Buy and Sell Transaction Fees depending on the Exchange Market if the customer order is relating to an Equity Security.
Exchange Market Fees Buy Transaction Fees Sell Transactions Fees
United States – Security and Exchange Commission No Fees 0.00278% (0.002919% including VAT)
United Kingdom – Stamp Duty 0.5% (0.525% inclusive of VAT) of transaction value. Stamp Duty doesn’t apply on Exchange Traded Funds. No Fees
United Kingdom – Panel of Takeover and Mergers GBP 1 (GBP1.05 inclusive of VAT) per trade if transaction is > GBP10,000 GBP 1 (GBP1.05 inclusive of VAT) per trade if transaction is > GBP10,000
Or EUR1.5 (EUR1.575 inclusive of VAT) per trade if transaction is > EUR15,000 Or EUR1.5 (EUR1.575 inclusive of VAT) per trade if transaction is > EUR15,000
Hong Kong Market – Trading Fee 0.005% (0.00525% inclusive of VAT) of transaction value 0.005% (0.00525% inclusive of VAT) of transaction value
Hong Kong Market – Transaction Levy 0.0027% (0.002835% inclusive of VAT) of transaction value 0.0027% (0.002835% inclusive of VAT) of transaction value
Hong Kong Market – Stamp Duty 0.13% (0.1365% inclusive of VAT) of transaction value 0.13% (0.1365% inclusive of VAT) of transaction value

18 Terms and Conditions apply. For more details visit www.hsbc.ae

 SCHEDULE OF SERVICES AND TARIFFS - AMANAH LAST UPDATED: 13 NOVEMBER 2024

HSBC UAE NO LONGER OFFERS NEW AMANAH PRODUCTS SINCE OCTOBER 2012
THE AMANAH TARIFF IS ONLY APPLICABLE TO ANY EXISTING AMANAH CUSTOMERS
# Symbol indicates fees which are automatically recurring. All other fees will be charged every single time it applies.

Amanah Home Finance

6 Months EIBOR at 1 July 2024: 5.2074%

0.05% Charged on the re-build value of the property, as specified in the valuation report. This will be taken as an annual payment as Supplemental
Anticipated Buildings Insurance / takaful cost
(approx.) Rental / Amount and is charged at actual/subject to change by Takaful/Insurance company

Life cover Takaful Life Takaful Cover is mandatory and must be assigned to the bank. Please ask your Home Finance Advisor for more details

Fee to be paid in the event a standard valuation is required. Please note that a valuation will need to be completed at the application stage for all
completed properties and is non-refundable in the event the application does not progress. The valuation will be carried out by an independent
Valuation Fee AED 2,625
valuation company on HSBC’s panel. In the event of a property swap a valuation of the new property will also be required. These fees are a
direct cost from the valuation company which we collect from you and pass on to the relevant valuation company.
2% (2.10% inclusive of VAT) of the outstanding overdue balance
Late Payment Fee or minimum AED 50 (AED 52.5 inclusive of VAT) and maximum Payable when the monthly rental is not paid within 15 days from due date. Any such fees will be paid to charity net of cost of collections
AED 140 (AED 147 inclusive of VAT)

Termination of the Ijarah lease AED 2,500 (AED 2,625 inclusive of VAT) At the time of the termination of lease agreement

Home Finance liability letter AED 50 (AED 52.5 inclusive of VAT) Charge per letter

Non-Standard Statement production AED 100 (AED 105 inclusive of VAT)

Providing copies of documents AED 100 (AED 105 inclusive of VAT)

Assignment of Buildings Takaful / Insurance AED 500 (AED 525 inclusive of VAT) Payable if HSBC Buildings Insurance is not used

Change of Parties on the Offer AED 500 (AED 525 inclusive of VAT) Charged on re-issuance of offer due to change of names

To be paid when the property financed is being swapped before the handover with a different property offered by Developer, inclusive of
Consolidation via property swaps offered by Developer AED 1320 (AED 1386 inclusive of VAT)
valuation fee

Issuance of NOC for Consolidation of liabilities with the same Developer AED 150 (AED 157.5 inclusive of VAT) To be paid when the outstanding amount from various properties is being applied towards the financed property.

1) Your home will be at risk if you do not make payments on a Home Finance, or any other finance that may be secured against it.
2) EIBOR Rate as of 1 July 2024 which shall be effective from 1 July 2024.
3) All fees are subject to change and will be applied to all customers from the date of change.
4) Charges/fees pertaining to Lands Department or any other entity pertaining to registration/perfection of Home Finance are to be borne by the customer on actual basis and are not listed in this tariff sheet
5) All fees paid to the bank are non refundable
6) The FTVs are based on the ‘Lower’ of either the sale / purchase price as per sale & purchase agreement (SPA) or a valuation by an approved valuer of HSBC MEFCO
7) Rentals will be calculated every month on an agreed date as per rent schedule supplied to the customer by the Home Finance Advisor at the application /offer stage. The exact amount of rentals could slightly vary from month-to-month depending on the
number of days in the month as applied to the formulae for variable rental calculation as per the Ijarah Agreement Schedule. All fees collected are non refundable.

Copyright. HSBC Bank Middle East Limited 2024 ALL RIGHTS RESERVED. No part of this publication may be reproduced, stored in a retrieval system, or transmitted, in any form or by any means, electronic, mechanical, photocopying,
recording, or otherwise, without the prior written permission of HSBC Bank Middle East Limited.
Issued by HSBC Bank Middle East Limited U.A.E Branch, PO Box 66, Dubai, U.A.E, regulated by the Central Bank of the U.A.E for the purposes of this promotion and lead regulated by the Dubai Financial Services Authority.
CRN: GC092624. Effective date: 13 November 2024.

19 Terms and Conditions apply. For more details visit www.hsbc.ae

 HSBC Bank Middle East Limited

WorldTrader Fees and Charges applicable to investments transacted through the HSBC WorldTrader online trading platform
VAT refers to value added tax applicable in the UAE.

Description Transaction Fees

Buy Transaction Fees Sell Transaction Fees Administration Fees
Mutual Funds with the following
underlying:
Money Market No Fees No Fees No Fees
Bonds 2% (2.1% inclusive of VAT) of the investment amount (lump sum) No Fees No Fees
Equities and Others 3% (3.15% inclusive of VAT) of the investment amount (lump sum) No Fees No Fees
Mutual Funds Switching If you are switching between mutual funds provided by the same fund house, you will not be charged a sell transaction fee or buy No Fees
transaction fee for the switch. If you sell your investment fund and purchase another fund with a different fund house, you will be charged
our transaction fees (plus applicable VAT) on both the sell order and the buy order. Please refer to the section above under the heading
“Mutual Funds with the following underlying” for details.
Alternative Investments 1% (1.05% inclusive of VAT) of the investment amount No Fees No Fees
HSBC Global RAIF Portfolios
HSBC Global Hedge Fund 2% (2.10% inclusive of VAT) of the investment amount No Fees No Fees
Mutual Funds Regular Savings A buy transaction fee will be charged with each regular instalment No Fees No Fees
Plan and these fees will be automatically recurring until the plan is
cancelled. These recurring fees will be calculated as a percentage
of each regular instalment (plus applicable VAT) - Please refer to the
section above under the heading “Mutual Funds with the following
underlying” for details.
HSBC Perpetual Savings Plan We will charge you a one-time initial fixed fee which is equal to the No Fees No Fees
first monthly instalment plus applicable VAT
In addition to the transaction fees described above in relation to investment funds, we will also receive from the fund house a percentage of the Annual Management Charge (AMC) of the
investment funds you hold in your Investment Account.

20 Terms and Conditions apply. For more details visit www.hsbc.ae

 WorldTrader Fees and Charges applicable to investments transacted through the HSBC WorldTrader online trading platform

Description Transaction Fees Administration Fees*

Buy Transaction Fees Sell Transaction Fees
Fixed Income Products
Bonds and Sukuks 1.5% (1.575% inclusive of VAT) of the 0.5% (0.525% inclusive of VAT) of the 0.1% Per Annum of each of your investment holdings (0.105% per
notional amount notional amount annum inclusive of VAT)
All US Treasuries including Bills 0.25% (0.2625% inclusive of VAT) of 0.05% (0.0525% inclusive of VAT) of the 0.1% Per Annum of each of your investment holdings(0.105% per
the notional amount. Minimum Fee per notional amount. annum inclusive of VAT)
transaction is USD10 (10.5 inclusive of Minimum Fee per transaction is USD10
VAT) (10.5 inclusive of VAT)

Description Transaction Fees Administration Fees*

Buy Transaction Fees Sell Transaction Fees
Exchange Traded Products
Equities or Shares, Exchange Market Specific tiered Transaction Fees that reduce depending on Market Specific tiered Transaction Fees that reduce depending on 0.1% Per Annum of each of
Traded Funds and Equity Linked number and value of the trades. number and value of the trades. your investment holdings
Securities This fee is subject to 5% VAT. This fee is subject to 5% VAT. (0.105% per annum inclusive
Please see below tables for details on the Market Specific tiered Please see below tables for details on the Market Specific tiered of VAT)
Transaction Fees Transaction Fees
Exchange Traded Products A Buy Transaction Fee will be charged with each regular instalment. Market Specific tiered Transaction Fees that reduce depending on 0.1% Per Annum of each of
Regular Savings Plan This fee is subject to 5% VAT. These fees will be automatically number and value of the trades. your investment holdings
recurring until the plan is cancelled. These recurring fees will be This fee is subject to 5% VAT. (0.105% per annum inclusive
calculated as a percentage of each regular instalment (plus applicable Please see below tables for details on the Market Specific tiered of VAT)
VAT) - Please refer to the section above under the heading “Equities Transaction Fees
or Shares, Exchange Traded Funds and Equity Linked Securities – Buy
Transaction Fees” for details.
If you submit a limit order to buy or sell a fixed income product or exchange traded product and your limit order is executed as more than one trades over multiple trading days, you will be charged
separate transaction fees on each individual trade, calculated based on the executed quantity or trade value of each trade.
If your order is to buy or sell an investment product in a currency other than USD, GBP, EUR, HKD or AED we will debit or credit your USD Investment Funding Account with the applicable amounts
converted from USD to the currency of the investment product or vice versa. Interactive Brokers (UK) Limited will apply the applicable FX rates to such conversions.
* An administration fee will be charged to you based on each fixed income product or equity security (an “investment holding”) held in your Investment Account with Interactive Brokers (UK) Limited.
We will calculate this administration fee for so long as you continue to hold one or more investment holdings in your Interactive Brokers (UK) Limited Investment Account. The payment currency of this
administration fee applicable to each investment holding must be the currency of such product. This administration fee will be applicable only to accounts opened after 31 December 2024.
The administration fee accrues on a daily basis and the daily accrued fee (exclusive of VAT) applicable to each investment holding is calculated as:
0.1% of the total value of your investment holding(s) held in the same currency as recorded by Interactive Brokers (UK) Limited on each day divided by 365.
We provide an illustrative example below on how the administration fee is calculated, assuming there are investment holdings in different currencies in an Investment Account.

21 Terms and Conditions apply. For more details visit www.hsbc.ae

 WorldTrader Fees and Charges applicable to investments transacted through the HSBC WorldTrader online trading platform

Illustrative Example

Investment Holding Value Holding Period Annual Administration Fee Accrued Daily Accrued Administration Accrued Administration Charge Account – Investment
Percentage Administration Fee Fee for the Holding Period – Fee for the Holding Period – Funding Account (CCY)
Exclusive of Value Added Tax Inclusive of Value Added Tax
100,000 USD 30 days 0.1% 0.274 USD 8.22 USD 8.63 USD USD
20,000 GBP 10 days 0.1% 0.055 GBP 0.55 GBP 0.57 GBP GBP
5,000 EUR 5 days 0.1% 0.014 EUR 0.07 EUR 0.07 EUR EUR
100,000 HKD 3 days 0.1% 0.274 HKD 0.85 HKD 0.86 HKD HKD
0 AED 0 0.1% 0 0 0 AED
200,000 SGD 15 days 0.1% 0.548 SGD 8.22 SGD 8.63 SGD USD
The administration fee accrued in each calendar month (a “monthly accrued administration fee”) will be payable by you to us on the first day of the following month (a “payment due date”) and we
will debit such fee from your Investment Funding Account on the payment due date.
If there are insufficient funds in your Investment Funding Account to cover any monthly accrued administration fee on its payment due date, we will debit that amount from your Investment Funding
Account on the payment due date falling in the subsequent month.
If any monthly accrued administration fee is payable in a currency other than USD, GBP, EUR, HKD or AED, we will debit such fee from your USD Investment Funding Account and we will apply our
prevailing foreign exchange rate at the time of the debit. You can view the foreign exchange rate applied by us in your composite bank statement.
Market Specific Tiered Transaction Fees

USA
Monthly Volume (shares) Fee per Share (USD) Minimum Fee per Order Maximum Fee Per Order
<5,000​ USD 0.1​ USD 15 2%
5,001 – 10,000​ USD 0.08​ USD 10 2%
10,001- 20,000​ USD 0.05​ USD 10 2%
20,001 – 50,000​ USD 0.03​ USD 5 2%
50,001+​ USD 0.01​ USD 5 2%

Canada - Securities denominated in USD

Monthly Volume (shares) Fee per Share (USD) Minimum Fee per Order Maximum Fee Per Order
<5,000​ USD 0.1​ USD 15 2%
5,001 – 10,000​ USD 0.08​ USD 10 2%
10,001- 20,000​ USD 0.05​ USD 10 2%
20,001 – 50,000​ USD 0.03​ USD 5 2%
50,001+​ USD 0.01​ USD 5 2%

22 Terms and Conditions apply. For more details visit www.hsbc.ae

 WorldTrader Fees and Charges applicable to investments transacted through the HSBC WorldTrader online trading platform

Austria, Estonia, Latvia, Lithuania, Belgium, France, Germany, Italy, Netherlands, Portugal, Switzerland, United Kingdom, Sweden, Hungary
Securities Denominated in EUR
Monthly Trade Value (EUR) Transaction Fees Minimum Fee per Order
0 – 100,000 0.25% EUR 15
100,001 – 500,000 0.15% EUR 10
500,001 – 2,000,000 0.10% EUR 10
2,000,001 -5,000,000 0.07% EUR 5
5,000,0001 + 0.05% EUR 5
United Kingdom Market - For securities denominated in GBP
Monthly Trade Value GBP Transaction Fees Minimum Fee per Order
0- 100,000 0.25% GBP 12
100,001 – 500,000 0.15% GBP 8
500,001 – 2,000,000 0.10% GBP 8
2,000,001 – 5,000,000 0.07% GBP 5
5,000,001 + 0.05% GBP 5
United Kingdom Market - Securities denominated in USD
Monthly Trade Value EUR Transaction Fees Minimum Fee per Order
0- 100,000 0.25% USD 15
100,001 – 500,000 0.15% USD 10
500,001 – 2,000,000 0.10% USD 10
2,000,001 – 5,000,000 0.07% USD 5
5,000,001 + 0.05% USD 5
We will use the Euro equivalent amount for the USD trade value to determine which tier you are on.
Switzerland –Securities denominated in GBP
Monthly Trade Value GBP Transaction Fees Minimum Fee per Order
0 – 100,000 0.25% GBP 12
100,001 – 500,000 0.15% GBP 8
500,001 – 2,000,000 0.10% GBP 8
2,000,001 – 5,000,000 0.07% GBP 5
5,000,001 + 0.05% GBP 5

23 Terms and Conditions apply. For more details visit www.hsbc.ae

 WorldTrader Fees and Charges applicable to investments transacted through the HSBC WorldTrader online trading platform

Switzerland –Securities denominated in USD

Monthly Trade Value EUR Transaction Fees Minimum Fee per Order
0 – 100,000 0.25% USD 15
100,001 – 500,000 0.15% USD 10
500,001 – 2,000,000 0.10% USD 10
2,000,001 – 5,000,000 0.07% USD 5
5,000,001 + 0.05% USD 5
We will use the Euro equivalent amount for the USD trade value to determine which tier you are on.
Netherlands – Securities Denominated in USD
Monthly Trade Value (EUR) Transaction Fees Minimum Fee per Order
0 -100,000 0.25% USD 15
100,001 – 500,000 0.15% USD 10
500,001 – 2,000,000 0.10% USD 10
2,000,001 – 5,000,000 0.07% USD 5
5,000,001 + 0.05% USD 5
We will use the Euro equivalent amount for the USD trade value to determine which tier you are on.
Spain - For Securities denominated in EUR
Spain Transaction Fees
Transaction Fee 0.25%
Minimum fee per order EUR 15
Hong Kong - For Securities denominated in HKD
Monthly Trade Value (HKD) Transaction Fees Minimum Fee per Order
0 -100,000 0.25% HKD 40
100,001 – 500,000 0.15% HKD 25
500,001 – 2,000,000 0.10% HKD 25
2,000,001 – 5,000,000 0.08% HKD 18
5,000,001 0.07% HKD 18

24 Terms and Conditions apply. For more details visit www.hsbc.ae

 WorldTrader Fees and Charges applicable to investments transacted through the HSBC WorldTrader online trading platform

Hong Kong - For Securities denominated in USD

Monthly Trade Value (HKD) Transaction Fees Minimum Fee per Order
0 -100,000 0.25% USD 15
100,001 – 500,000 0.15% USD 10
500,001 – 2,000,000 0.10% USD 10
2,000,001 – 5,000,000 0.08% USD 5
5,000,001 0.07% USD 5
We will use the HKD equivalent amount for the USD trade value to determine which tier you are on.
Singapore – For Securities Denominated in USD
Monthly Trade Value (SGD) Transaction Fees Minimum Fee per Order
0 – 100,000 0.25%​ USD 15​
100,001 – 500,000 0.15%​ USD 10 ​
500,001 – 2,000,000 0.12%​ USD 10 ​
2,000,001 – 5,000,000 0.10%​ USD 5
5,000,001 + 0.08%​ USD 5

We will use the SGD equivalent amount for the USD trade value to determine which tier you are on.
Singapore – For Securities Denominated in GBP
Monthly Trade Value (SGD) Transaction Fees Minimum Fee per Order
0 – 100,000 0.25%​ GBP 12
100,001 – 500,000 0.15%​ GBP 8​
500,001 – 2,000,000 0.12%​ GBP 8 ​
2,000,001 – 5,000,000 0.10%​ GBP 5
5,000,001 + 0.08%​ GBP 5

We will use the SGD equivalent amount for the GBP trade value to determine which tier you are on.

25 Terms and Conditions apply. For more details visit www.hsbc.ae

 WorldTrader Fees and Charges applicable to investments transacted through the HSBC WorldTrader online trading platform

Singapore – For Securities Denominated in EUR

Monthly Trade Value (SGD) Transaction Fees Minimum Fee per Order
0 – 100,000 0.25%​ EUR 15​
100,001 – 500,000 0.15%​ EUR 10 ​
500,001 – 2,000,000 0.12%​ EUR 10 ​
2,000,001 – 5,000,000 0.10%​ EUR 5
5,000,001 + 0.08%​ EUR 5

We will use the SGD equivalent amount for the EUR trade value to determine which tier you are on.

Singapore – For Securities Denominated in HKD

Monthly Trade Value (SGD) HSBC Transaction Fees Minimum Fee per Order
0 – 100,000 0.25%​ HKD 40​
100,001 – 500,000 0.15%​ HKD 25
500,001 – 2,000,000 0.12%​ HKD 25
2,000,001 – 5,000,000 0.10%​ HKD 18
5,000,001 + 0.08%​ HKD 18

We will use the SGD equivalent amount for the HKD trade value to determine which tier you are on.

All the above fees are subject to 5% Value Added Tax

Please note Interactive Brokers (UK) Limited’s fees and charges applicable to your buy or sell orders for investment funds, fixed income products or equity securities through the HSBC WorldTrader online trading
platform will be included in our Transaction Fees described above.

You will also be charged any applicable third party fees and charges, exchange market fees and stamp duty or taxes.

Copyright. HSBC Bank Middle East Limited 2024 ALL RIGHTS RESERVED. No part of this publication may be reproduced, stored in a retrieval system, or transmitted, in any form or by any means, electronic, mechanical, photocopying,
recording, or otherwise, without the prior written permission of HSBC Bank Middle East Limited.
Issued by HSBC Bank Middle East Limited U.A.E Branch, PO Box 66, Dubai, U.A.E, regulated by the Central Bank of the U.A.E for the purposes of this promotion and lead regulated by the Dubai Financial Services Authority.
CRN: GC092624. Effective date: 13 November 2024.

26 Terms and Conditions apply. For more details visit www.hsbc.ae