HSBC ATM Withdrawal Fees in Guangzhou | Generated by AI
ATM Withdrawal Fees for HSBC HK Account at HSBC Guangzhou Branch
Withdrawing money from your HSBC Hong Kong account using an HSBC ATM in a Guangzhou branch (Mainland China) is generally treated as an overseas transaction. HSBC HK cards (especially UnionPay-linked ATM/debit cards) are compatible with HSBC ATMs in China, allowing you to withdraw in RMB (CNY). The amount will be converted from HKD (or your account’s currency) at HSBC’s exchange rate plus a potential foreign exchange markup (typically 0-1% for HSBC cards, but check your card type).
Key Fees
Fees depend heavily on your HSBC HK account and customer tier. Here’s a breakdown based on standard tariffs:
| Customer Tier | HSBC HK Fee per Withdrawal | Mainland China ATM Fee | Total Expected Fee | Notes |
|---|---|---|---|---|
| HSBC Premier (or higher, e.g., Jade/Elite) | HKD 0 (waived worldwide at HSBC Group ATMs) | HKD 0 (no local surcharge at HSBC ATMs) | HKD 0 | Applies to Premier Mastercard Debit Card or UnionPay ATM card. Refunds any third-party fees if charged. Daily limit: Up to HKD 20,000 equivalent. |
| HSBC One / Personal Integrated Account | HKD 0 at HSBC Group ATMs (but HKD 20 if non-HSBC) | HKD 0 | HKD 0 | Standard for most retail customers using HSBC’s own network in China. |
| Standard / Non-Premier | HKD 20-30 per transaction (network-dependent) | HKD 0-10 (rare at HSBC ATMs) | HKD 20-40 | Check your tariff guide; UnionPay network may add HKD 20. Avoid if possible by upgrading. |
- No Guangzhou-specific fees: HSBC China does not impose additional surcharges for HK-issued cards at their own branches/ATMs. This is consistent across Mainland China.
- Currency conversion: You’ll be debited in HKD equivalent. No extra FX fee if withdrawing from a CNY-linked account.
- Limits: Daily overseas withdrawal limit is typically HKD 20,000-80,000 equivalent (adjustable via HSBC HK app/branch). Each transaction limited to ~RMB 20,000.
- Alternatives to minimize fees:
- Use the HSBC HK Mobile app’s “Mobile Cash Withdrawal” for QR code withdrawals at UnionPay ATMs in China (no HSBC fee for Premier).
- Transfer funds to an HSBC China account first (free for same-name transfers via FPS/RTGS in HKD/CNY).
- If not Premier, consider upgrading for global fee waivers.
For your exact account, log into HSBC HK online banking or call their hotline (+852 2233 3000) to confirm. Tariffs can update—latest as of mid-2025.
References
- HSBC HK Travel ATM Guide
- HSBC HK Bank Tariff Guide (June 2025)
- HSBC Premier Benefits
- Wise Guide to China ATMs