Important updates

Interest on Credit Card Accounts

Cash Advances

These refer to any cash related payments, including but not limited to cash withdrawals by means of an ATM, cash withdrawn over the counter, purchase of gaming chips, crypto currencies, traveller cheques, foreign currency and transfer of funds from credit card accounts. Interest is charged on the balance outstanding (which would include transaction fees) from the date the transactions and transaction fee are posted to the account until the date the balance is paid in full.

1.2 (e) for making a payment over the internet, You, the Additional Card holder or the Additional User will be required to authenticate your payment transaction through a two-factor authentication process. A two-factor authentication process requires that: 

(i) if you are subscribed to the Bank’s Mobile Banking App, you will need to log on to this App and then verify your online transaction made through the App, or

(ii) if you are not yet subscribed to the Bank’s Mobile Banking App, you will be asked to confirm your payment by entering a One Time Password that you will receive on your personal mobile followed up with an EPIN number which the Bank has provided you with.

It is important that you provide us with correct and up-to-date contact details as we may need to use these details to provide you with certain security details for you to be able to authorise internet transactions.  If you do not do so, as part of our fraud preventions measures we may not authorise further internet transactions with participating merchants.

2.2 Interest on cash advances shall be charged on a daily basis on the balance of the cash advance outstanding (which would include transaction fees) as from the date each cash advance and transaction fee is utilised, untill full repayment is made to the account.
 

We do not charge interest on any purchases shown in a statement if you repay the full amount you owe to us within the 56 days grace period (i.e. if you repay the full amount you owe us on that statement date by the next payment due date).  However if you do not settle your outstanding full purchase amount within the grace period, we will charge interest from the date that transaction was added to your account until the amount you owe us has been repaid in full.

 

Purchases of gaming chips, traveller cheques, and foreign currency, transfer of funds from credit card accounts and transactions effected at exchange bureaux are treated as cash advances and interest for such transactions will be charged in the same manner explained further above in this clause for cash advances.

Section 1, Part A

A.3 Channels through which payments can be made

3.1 Online Banking and HSBCnet and Mobile Banking App

You can make payments through Online Banking and/or HSBCnet or Mobile Banking App by logging on, using your user ID and providing other security information. When you have provided your payment instructions, you will be asked to confirm those instructions. This will be your consent for us to make the payment.

3.2 Branch

If you are making a payment in branch, we will make the payment once the fulfilment of all conditions required by us in order to execute the payment has been met.

3.3 Post

3.3.1 Personal customers may instruct us to make a payment by sending a letter addressed to us to any of our branches. Customers holding accounts for business purposes may send us by post payment instructions provided these instructions are: (i) made on bank approved forms which can be obtained on request by contacting us on +356 2380 8000; and (ii) addressed to any of our branches.

3.3.2 You must set out all the details we tell you we need to make the relevant payment (please see clause 2 of Part A of Section 1 of the General Terms) and you must sign the letter (your signature must match the signature on your mandate with us). This will be your consent for us to make the payment. We will make the payment once the fulfilment of all conditions required by us in order to execute the payment has been met.

3.4 Cards and self-service machines

When you are issued with an international debit or credit card, this enables you to make payments both locally and abroad using such international debit or credit card.

3.4.1 Your Authority for Card Payments

3.4.1.1 Before we will make a payment from your account we will require you to enter details of your PIN into a keypad or provide a signature and for other transactions we will require certain personal details, the 3 digit card security number on the back of your card, we may also ask you to provide us with a One Time Password which is sent via an SMS to your mobile number held on our records or to your email address in case we do not have your mobile number. We will advise the retailer or other supplier if we are prepared to authorise the payment to be made from your account. For decision making and card misuse prevention purposes, we may refer an authorisation request back to the retailer for further information. This may result in you being asked to produce further identification. This may also be done on a random basis for fraud prevention purposes.

3.4.1.2 In certain limited circumstances, we may agree to accept your instructions regarding your account over the telephone, and when we do so, we will ask you a number of questions in order to establish your bona fide identity.

3.4.1.3 In the case of Contactless card we will make a payment from your account without you requiring to enter details of your PIN into a keypad. We will advise the retailer or other supplier if we are prepared to authorise the payment to be made from your account or if further identification is required.

3.4.2 Issuing a card and Personal Identification Number (PIN)

3.4.2.1 At the time of or after opening your account you may apply for a card that may be available from time to time. When we provide you with or renew a debit card, we are providing you with a payment card linked to your account, enabling you to withdraw and pay, locally, abroad and even online. The amount 

of each transaction made using the card is taken directly and in full from your account. When we provide you with or renew a credit card, the Bank is providing a payment card linked to your account. The total amount of the transactions made using the card during an agreed period is taken either in full or in part from your account on an agreed date. A credit agreement between us and yourself determines whether interest will be charged to you for the borrowing.

3.4.2.2 We will issue you with a PIN. We will not reveal your PIN to anyone but you. You can use your PIN with your card for withdrawing money and using other services available from self service machines. You may also be required to enter your PIN to pay for products and/or services at point of sale terminals.

3.4.2.3 If you ask us to send, or we issue you with, a replacement card before your existing card’s expiry date, we may apply a charge. Any reference to “replacing a card” refers to you requesting a replacement of a card that was lost, stolen or damaged.

3.4.3 Self-Service Machines

3.4.3.1 You can obtain and perform the following from our self-service machines in Malta:

• obtain details of the balance and book balance on your account using your debit card on our ATMs
• withdraw cash using your debit or credit card on our ATMs
• deposit cash and cheques into your account through our deposit-enabled ATMs or deposit machines using your debit card
• make transfers between the accounts on which the card has been issued and which you have selected for this purpose using your debit card on our ATMs
• make transfers to your credit card or a third party account held with us using your debit card on our ATMs
• exchange cash into a different currency using our foreign exchange machines
• exchange notes into coins using our coin-roll machines and
• use other services that may be made available by us from time to time about which you may obtain information from any of our branches
   
   

3.4.3.2 We will be responsible for any money lost if there is a fault on one of our self-service machines of which we have not notified you by a message on the screen or a notice on the machine. If we have so notified you, we will not be liable for any loss.

3.4.3.3 Most of our cards can be used in our self-service machines in Malta or abroad. In addition, you may be able to use your card in self-service machines in Malta and abroad operated by other financial institutions. We will advise you if you are able to use your card in these machines when you open your account and about any limitations which apply. We may decide to stop or impose limitations on customers being able to use their cards in respect of particular types of card.

 3.4.3.4 If financial institutions charge for your use of their self-service machines, such charges will be payable by you. For example, financial institutions may make a charge to withdraw currency other than euro.

3.4.3.5 We will not be responsible if you cannot use your card in a machine operated by another financial institution.

3.5 Phone Banking Service/Business Telephone Banking

3.5.1 You can make some payments including card transactions through PBS/BTB (once you have completed our security procedures) via the automated phone banking facility or by speaking to a phone banking agent who will take details of the payment and then confirm the details to you. You must confirm these details are correct before we make the payment. Your confirmation will be your consent for us to make the payment.

3.5.2 On satisfactory completion of our security procedures, we can act on any instructions given to us, even if these instructions were not given by you or with your authority.

A.3 What you can do with your account

3.1 There are lots of ways in which you can use your account/s including:

- by Mobile Banking – by downloading our Mobile Banking App;

- by Online Banking/ HSBCnet – at hsbc.com.mt by first registering for personal online banking in case you are a retail customer, or for HSBCnet in case you are a corporate entity.

- by Telephone Banking – by first registering for phone banking services

- at any HSBC branch in Malta and Gozo

- at any of our self-service machines in Malta and Gozo where you can:

• obtain details of the balance and book balance on your account
• withdraw cash from any bank (Cash Advance) or by using your debit or credit card through any ATM locally or abroad
• deposit cash and cheques into your account through our branches, deposit-enabled ATMs or deposit machines using your debit card 
• make transfers between accounts using your debit card on our ATMs, at our branches, using your Mobile Banking App, Online Banking/HSBCnet 
• make transfers to your credit card or a third party account held with us using your debit card on our ATMs or even through our branches, Mobile Banking App, Online Banking/HSBCnet
• exchange cash into a different currency using our foreign exchange machines
• exchange notes into coins using our coin-roll machines
• make payments within and outside Malta in different ways, including by setting up direct debits and standing orders from your account
• use other services that may be made available by us from time to time about which you may obtain information from any of our branches, website or by contacting us on (+356) 2380 2380 for retail customer and (+356) 2380 8000 for business customers

3.2 Most of our cards can be used in our self-service machines in Malta or abroad. In addition, you may be able to use your card in self-service machines in Malta and abroad operated by other financial institutions. We will advise you if you are able to use your card in these machines when you open your account and about any limitations which apply. We may decide to stop or impose limitations on customers being able to use their cards in respect of particular types of card.

3.3 If financial institutions charge for your use of their self-service machines, such charges will be payable by you. For example, financial institutions may make a charge to withdraw cash.  

3.4 We will be responsible for any money lost if there is a fault on one of our self-service machines of which we have not notified you by a message on the screen or a notice on the machine. If we have so notified you, we will not be liable for any loss. 

3.5 We will not be responsible if you cannot use your card in a machine operated by another financial institution.

3.6 For Business and Micro-Enterprises

3.6.1 Customers holding accounts for business purposes may also send to us their payment instructions by post provided these instructions are:

made on bank approved forms which can be obtained on request by contacting us on +356 2380 8000; and 

addressed to any of our branches.

3.6.2 You must set out all the details we tell you we need to make the relevant payment (please see clause 2 of Part A of Section 1 of the General Terms) and you must sign the letter (your signature must match the signature on your mandate with us). This will be your consent for us to make the payment. We will make the payment once the fulfillment of all conditions required by us in order to execute the payment has been met.

A.4 Important Security Information

4.1 You must use any card issued to you, PBS/BTB and Online Banking/HSBCnet in accordance with these Terms. The use of Online Banking/HSBCnet, PBS/BTB, Mobile Banking App and cards is also subject to their own terms and conditions provided to you when registering for the service.

4.2 You must take all reasonable precautions to keep safe and prevent fraudulent use of any cards and security details (including PINs, security numbers, passwords or other details including those which allow you to use the Online Banking/HSBCnet, Mobile Banking App and PBS/BTB).

4.3 Precautions
4.3.1 These precautions include but are not limited to:

• never writing down your security details
• not choosing security details to make them more memorable to you such as sequences of letters or numbers that may be easy to guess
• taking care to ensure that no one hears or sees your security details when you use them
• keeping card receipts and other information about your account containing personal details (such as statements) safe and disposing of them safely

4.3.2 Cards and PINs

Please see the relative conditions in the Card Conditions of Use available separately.

4.3.3 Phone Banking

• When you call us, we will confirm your identity using our current security procedures. We may not be able to assist you if we are unable to identify you as our customer using our security procedures.
• When we call you, we will never ask for details of your security number or password to identify you as our customer. We will ask you questions based on information known to us about you and the transactions on your account.
• You should not disclose your full security details except when registering or resetting your PBS/BTB security number or Online Banking/HSBCnet or Mobile Banking App, security details.
• If you use a phone you will be responsible for deleting the information held on your phone at the end of each conversation.
• You should not use cordless telephones operating on an analogue network to telephone us. We are not responsible if anyone else intercepts or overhears any telephone conversation between you and us.

4.3.4 Online Banking and HSBCnet

• Keep your personal computer secure by using anti-virus and spyware detection software and a personal firewall. For HSBCnet, please see that you download the anti-virus software that we specify for use of such channel
• Keep your passwords and PINs secret – we will never ask you for your online banking password information
• Always access Online Banking/HSBCnet by typing in the bank address to your web browser, never go to an internet banking site from a link in an e-mail and then enter personal details

4.3.4.1 If any card or security details are lost or stolen, or you suspect that someone has used or tried to use them, you must tell us without delay by calling:

• For Cards and PINs issues – on (+356) 2148 3809(24 hours a day, 7 days a week) / (+356) 2380 2380 (from 8:00am to 8:00pm excluding Sundays and Public Holidays) / 8007 4488 (from 8:00am to 8:00pm excluding Sundays and Public Holidays)
• For PBS/BTB security issues – on (+356) 2380 2380 (from 8:00am to 8:00pm excluding Sundays and Public Holidays)
• For Online Banking/Mobile Banking App security issues – on (+356) 2380 2380 (from 8:00am to 8:00pm excluding Sundays and Public Holidays)
• For HSBCnet or HSBCnet Mobile Banking App security issues – on (+356) 2380 8000 (from 8:00am to 5:00pm excluding Saturdays, Sundays and Public Holidays) or
• (+356) 2380 2389 (from 8:00am to 8:00pm excluding Sundays and Public Holidays).
• or on any other telephone number which we may from time to time notify to you.

4.3.4.2 Telephone calls will be put through to our Call Centre. To help us continually improve our services and in the interests of security we may monitor and/or record your telephone calls with us.

4.3.4.3 If asked, you must confirm in writing the loss or theft of your cards or security details relating to your card, Online Banking/ HSBCnet, Mobile Banking App or PBS/BTB. If you no longer require your card and/or any unused cheques then you must destroy them. Cards should be cut through the magnetic stripe and chip.

4.3.4.4 We may ask you to co-operate with us and the Police in relation to any investigation into the actual or suspected misuse of your card and/or accounts. You must report any unauthorised transactions to the Police within seven days of our request. We may also disclose information about you or your account to the Police or other third parties if we think it will help prevent or recover losses.

4.3.4.5 If you find your card after having called us under clause 4.3.4.1 of Part A of Section 1 of the General Terms, you must not use it again. You must cut it through the magnetic stripe and chip.

A.4 Checking it is you and keeping your account secure

4. 1 When you access your account, we need to check we’re dealing with you. We also need to check the request we’re following comes from you (or someone acting for you). 

4.1.2 If you’re in a branch, we may ask for photo ID (for e.g. identity card or a driver’s licence). For everything else, if your security details are used, we’ll assume it’s you. We’ll treat the request as if you had authorised it. That’s why you must be very careful to keep your security details private and not let anyone get access to any devices you use to make payments.

4.1.3 We may add other ways of checking your identity in the future.

4.1.4 Where law or regulations permit, we will make certain payments without requesting any security details (like for e.g contactless card transactions under certain amounts).  

4.2 What do we mean by ‘security details’? 

4.2.1 We ask for security details to keep your account safe. We’ve set out some types of security details below, which we can ask you to use alone or concurrently.

- Passwords, PINs, security codes, memorable data and other information that is applicable to you or to your accounts (like details of transactions).

- Biometric data (such as a fingerprint, face or voice ID).

- The codes and passwords you set up with us for Telephone, Online or Mobile Banking.

- any information you use with a payment device

4.3 What do we mean by 'payment device'?

4.3.1 This is a device you can make payments with or use to access, or do certain things on, your account (such as a card or e-wallet on your phone).

4.4 Keeping your account secure

4.4.1 We’ll do all we reasonably can to keep your account secure. You must also help us to do this. This includes keeping your details safe, and informing us immediately if you notice something doesn’t seem right. If you don’t, we may block your account to protect you and us from unauthorised use. If you ask and we are permitted at law to disclose, we’ll tell you when the block will end.

4.4.2 We’ll let you know in the quickest and most secure way if we think there’s something wrong. This might be a text, email or a phone call. We may do this, for example, if there’s actual fraud on your account or threats to your account security.

N.B: If we call you, we’ll never ask for your full security details.

4.5 Tips for preventing misuse of your accounts

4.5.1 Things you should do

- Keep your security details and payment device safe.

Safely destroy any security details we send you – for e.g. if we send you a letter confirming your PIN.

- Sign your card when you receive it.

Use different security details for different things – for e.g. if you have more than one card, have different PINs for each.

- Take care when using your security details. Make sure no one can hear or see your security details when you use them.

- Change your security details straight away and tell us as soon as possible if you suspect, or you know, that - someone else knows your details.

- Take care when you transfer a payment device to someone else (for e.g. if you sell your phone or give it to someone for repair). You should delete cards stored on it or in any e-wallets. You should also delete any biometric access (such as fingerprint, face or voice ID) including access from any linked device.

4.5.2 Things you shouldn’t do

- Don’t allow anyone to use your payment device.

- Don’t tell anyone (other than a Third Party Provider) your security details.

- Don’t choose security details that can be easily guessed by anyone else.

- Don’t write down your security details in a way that other people would easily understand.

- Don’t log in or stay logged in on Mobile Banking App or Online Banking/HSBCnet, if the device you are using is not in your full control or possession.

You can find more tips on our website www.hsbc.com.mt. 

4.6 You must contact us as soon as possible in these cases

- When someone else tries to access, or has accessed, your account using a payment device (and whether or not they have your security details);

OR

 - If a cheque, payment device or security details have been lost or stolen. 

- For Cards and PINs issues – call us on (+356) 2148 3809(24 hours a day, 7 days a week) / (+356) 2380 2380 (from 8:00am to 8:00pm excluding Sundays and Public Holidays) or (+356) 2380 8000 for business customers (from8:00am to 5:00pm excluding Sundays and Public Holidays).

- For PBS/BTB security issues – on (+356) 2380 2380 (from 8:00am to 8:00pm excluding Sundays and Public Holidays)

- For Online Banking/Mobile Banking App security issues – call us on (+356) 2380 2380 (from 8:00am to 8:00pm excluding Sundays and Public Holidays) 

- For HSBCnet or HSBCnet Mobile Banking App security issues – call us on (+356) 2380 8000 (from 8:00am to 5:00pm excluding Saturdays, Sundays and Public Holidays) or (+356) 2380 2389 (from 8:00am to 8:00pm excluding Sundays and Public Holidays)

or on any other telephone number which we may from time to time notify to you.

We’ll ask for information or other help we need from you. We may also ask you to file a Police report. You must not use a payment device or cheque after you have reported it lost or stolen or you think someone has used or tried to use it. You must destroy it and/or return it to us if we ask you to. 

If you ask us to send, or we issue you with, a replacement card before your existing card’s expiry date, we may apply a charge. Please refer to the Card Standard Account Fees Brochure for details about any such charge. 

Section1, Part D

D.4 Fraud Prevention

4.1 We carry out certain checks on transactions on your account as part of our fraud prevention measures. We may contact you by post, telephone (including mobile phone), email, mobile messaging or, if you are registered for Online Banking, secure e-message, to inform you that there may be suspicious activity on your account, or we may leave a message asking you to call us as soon as possible. In respect of certain payments made through PBS/BTB or Online Banking/HSBCnet, if you do not reply to us, we will assume you have not authorised the transaction and it will not be processed. For payments made using your card, we may send you a text message or contact you by phone if we suspect fraudulent activity as soon as such transaction has been authorised. This will not prevent you from later disputing that you authorised the transaction.

4.2 We and other members of the HSBC Group are required to act in accordance with the laws and regulations and requests of public and regulatory authorities in various jurisdictions which relate to the prevention of money laundering, terrorist financing and the provision of financial and other services to any persons or entities which may be subject to sanctions. We or any other member of the HSBC Group may, without any liability, take whatever action we consider appropriate to meet any obligations, either in Malta or elsewhere in the world, relating to the prevention of fraud, money laundering and terrorist activity and the provision of financial and other services to persons who may be subject to sanctions. We or any other member of the HSBC Group may also, without any liability, take whatever action we consider appropriate in case we know or suspect a breach of security or other suspicious circumstances in respect of or in connection with the operation of one or more of the accounts or the products/services generally. Any such action may include, but is not limited to, investigating and intercepting payments into and out of your account(s) (particularly in the case of international transfers of funds) and investigating the source of or intended recipient of funds. It may also include making enquiries to establish whether a person is subject to sanctions. Exceptionally, this may delay the carrying out of your instructions or the receipt of cleared funds but, where possible, we will advise you of the reasons for and likely length of any delay. If we are not satisfied that a payment in or out of your account is lawful, we may refuse to deal with it. 

D.4 Fraud Prevention and Compliance with Laws.

4.1 We carry out certain checks on transactions on your account as part of our fraud prevention and anti-bribery/corruption measures. We may contact you by post, telephone (including mobile phone), email, mobile messaging or, if you are registered for Online Banking, secure e-message, to inform you that there may be suspicious activity on your account, or we may leave a message asking you to call us as soon as possible. In respect of certain payments made through PBS/BTB or Online Banking/HSBCnet, if you do not reply to us, we will assume you have not authorised the transaction and it will not be processed. For payments made using your card, we may send you a text message or contact you by phone if we suspect fraudulent activity as soon as such transaction has been authorised. This will not prevent you from later disputing that you authorised the transaction.

4.2 We and other members of the HSBC Group are required to act in accordance with the laws and regulations, rules, codes, guidelines and requests of public and regulatory authorities in various jurisdictions which relate to the prevention of money laundering, terrorist financing and the provision of financial and other services to any persons or entities which may be subject to sanctions. We or any other member of the HSBC Group may, without any liability, take whatever action we consider appropriate to meet any obligations, either in Malta or elsewhere in the world, relating to the prevention of fraud, money laundering and terrorist activity and the provision of financial and other services to persons who may be subject to sanctions. We or any other member of the HSBC Group may also, without any liability, take whatever action we consider appropriate in case we know or suspect a breach of security or other suspicious circumstances in respect of or in connection with the operation of one or more of the accounts or the products/services generally. Any such action may include, but is not limited to, investigating and intercepting payments into and out of your account(s) (particularly in the case of international transfers of funds) and investigating the source of or intended recipient of funds. It may also include making enquiries to establish whether a person is subject to sanctions. Exceptionally, this may delay the carrying out of your instructions or the receipt of cleared funds but, where possible, we will advise you of the reasons for and likely length of any delay. If we are not satisfied that a payment in or out of your account is lawful, we may:

(i) delay the carrying out of your instructions or the receipt of cleared funds but, where possible, we will advise you of the reasons for and likely length of any delay; 

(ii) refuse to accept in, or make payments from, your account/s with us if we reasonably believe that accepting to do so might cause us to breach a legal requirement or expose us to action from any government, regulator or law enforcement agency or otherwise if you are subject to sanctions, including UN, EU, OFAC and UK sanctions. 

Section 2

1. Your Information

1.1 Privacy

1.1.1 Your privacy is important to us. We’ll use your information as explained in our Privacy Notice, in accordance with data protection legislation and other applicable legislation.

1.1.2 You explicitly consent to us accessing, processing, and retaining any information you provide to us, for the purposes of providing services to you. This does not affect any rights and obligations you or we have under data protection legislation. You may withdraw this consent by terminating these services. If you do this, we’ll stop using your data for this purpose, but may continue to process your data for other purposes.

1.1.3 Our Privacy Notice explains how we collect, use, disclose, transfer, and store your information and sets out your rights to your information. We have provided our Privacy Notice to you separately and will inform you when we make any changes to it. You can also find this at www.hsbc.com.mt or you can ask for a copy in any branch.

1.2 Requests for Information

1.2.1 If we make a reasonable request for information, you must give it to us as soon as possible. If you don’t give it to us:

• you might not be able to carry on doing some or all of your banking with us anymore
• we might try to get the required information from another source, ourselves
• we could block, transfer or close your account(s) and terminate any services we offer you or
• we may take actions necessary for us or a member of the HSBC Group to meet any of our or any member of the HSBC Group’s compliance obligations

1.2.2 It is up to you to make sure the information you give us is accurate and up to date, and you must tell us if anything changes, within 30 days.

1.3 Miscellaneous

1.3.1 You undertake to comply with all applicable data protection laws. You confirm that all persons whose personal or other data is transmitted, processed or otherwise handled, have consented to such transmission, processing or other handling under the Terms and our Privacy Notice, in accordance with any applicable laws, or will do so prior to any such transmission, processing or other handling. Where you give us any information about another person connected to your account, you must tell them what information you have given to us, and make sure they agree that we can use it as set out in the Privacy Notice. You must also tell them how they can see what information we have about them and correct any mistakes as set out in the Privacy Notice. You agree to indemnify and hold us harmless from all costs, penalties, damages and other losses incurred as the result of any breach of this provision.

1.3.2 In order to be able to ensure that we carry out your instructions accurately, to help us to improve our service and in the interests of security, we may monitor and/or record your telephone calls with us and conversations we have with you in our branches.

1.3.3 We may disclose information about you and the conduct of your account to any person to whom we transfer or intend to transfer our rights and/or our obligations under the Terms.

1.3.4 Personal data in relation to transactions effected via SWIFT (Society for Worldwide Interbank Financial Telecommunications) may be required to be disclosed to the United States authorities in order to comply with legal requirements applicable in the United States for the prevention of crime.

1.4 Information about Products, Services and Promotions

1.4.1 Unless we receive an objection in writing from you, the HSBC Group may use and share relevant information about you, your transactions and your relationships with the HSBC Group to give you information about products, services (including mortgages) and promotions available from HSBC Group companies and those of selected third parties which may interest you by post, telephone, electronic and other means.

1.4.2 You have a right to object to receive information about any such products and services when you open an account.

1.4.3 The HSBC Group may also exchange, analyse and use relevant information about you in the way described above to ensure that promotional content displayed to you on screen when you log onto HSBC Group websites is more likely to be relevant and of interest. If you do not want us to use what we know about you to decide what we display to you on our websites please let us know.

1. Data Privacy & Confidentiality

The way we process and share personal and/or confidential information about you and your affairs with the Bank as well as the way we use such information for marketing purposes is explained in our Privacy Notice which you may obtain from our website www.hsbc.com.mt, from any of our branches or by calling us on (+356) 2380 2380.

Cash Advances

These refer to any cash related payments, including but not limited to cash withdrawals by means of an ATM, cash withdrawn over the counter, purchase of gaming chips, crypto currencies, traveller cheques, foreign currency and transfer of funds from credit card accounts. Interest is charged on the balance outstanding from the date the transactions are posted to the account until the date the balance is paid in full.

Cash Advances

These refer to any cash related payments, including but not limited to cash withdrawals by means of an ATM, cash withdrawn over the counter, purchase of gaming chips, crypto currencies, traveller cheques, foreign currency and transfer of funds from credit card accounts. Interest is charged on the balance outstanding (which would include transaction fees) from the date the transactions and transaction fee are posted to the account until the date the balance is paid in full.

Purchases

Interest free up to 56 days. No interest will be charged on the amounts of purchases repaid and credited to the account within 25 days from the date of your statement on which those purchases first appeared. Interest at the applicable rates is charged on the daily balance outstanding at the end of the 25 days from that statement date and will continue to be so charged until full repayment is made to the account.

Cash Advances

These refer to any cash related payments, including but not limited to cash withdrawals by means of an ATM, cash withdrawn over the counter, purchase of gaming chips, crypto currencies, traveller cheques, foreign currency and transfer of funds from credit card accounts. Interest is charged on the balance outstanding from the date the transactions are posted to the account until the date the balance is paid in full.

Cash Advances

These refer to any cash related payments, including but not limited to cash withdrawals by means of an ATM, cash withdrawn over the counter, purchase of gaming chips, crypto currencies, traveller cheques, foreign currency and transfer of funds from credit card accounts. Interest is charged on the balance outstanding (which would include transaction fees) from the date the transactions and transaction fee are posted to the account until the date the balance is paid in full.

Purchases

Interest free up to 56 days. No interest will be charged on the amounts of purchases repaid and credited to the account within 25 days from the date of your statement on which those purchases first appeared. Interest at the applicable rates is charged on the daily balance outstanding at the end of the 25 days from that statement date and will continue to be so charged until full repayment is made to the account.

HSBC Premier customers earn points on the amount debited to their account in euro for all Eligible Spending.

Monthly account statements will going forward show one (1) point for every €2.00 (including VAT) for euro transactions and five (5) points for every €2.00 (including VAT) for non-euro transactions of Eligible Spending which appears on it. Points will be awarded for each separate transaction. Any amounts below €2 and any cents in respect of each transaction will be disregarded and will not be accumulated to your total number of points.