Personal customers Rates
as of 1st July 2015
General conditions applicable to the main transactions of retail customers
The prices, rates and information in this leaflet
cover the main services.
All prices include VAT.
They supersede the previous general
conditions as of 1st July 2015.
These conditions may change at any time.
Any changes not included in the general
terms and conditions of your current account
agreement will be available in your HSBC
branch or via direct banking channels.
Summary
Standard price list
5
Operating incidents
11
Bank service fees
Opening and managing
Special transactions
your account
6
Payment incidents
Opening, changing, closing
Statements
Overdrafts and loans
12
Account management Overdraft facilities
Branch services Overdrafts
Consumer credit
Remote Banking
7
Mortgages
13
Guarantees issued by the bank
13
Making payments
8
Cards Savings and investments
14
Transfers
9
Savings
Direct debits/Interbank payment slips (TIP)
9
Investments
Cheques
9
Insurance and protection
16
Packages - Conventions
10
HSBC Hexagone
Other international transactions
17
Products no longer on sale
18
Resolve a commercial dispute
19
3
Standard price liste
Please find below the tariff rates excluding packages, promotions or special rates for certain customers.
Service list
Price in euros
Access to your accounts online (Internet)
(My account online) free
not including ISP costs
Balance alerts by text
(HSBC Alerts)
€ 2.10 per month for 6 alerts each month
€ 25.20 per year
International debit card with immediate debit
(Visa Classic Card)
€ 42 per year
International debit card with deferred debit
(Visa Classic Card) € 45 per year
Systematic authorisation payment cards
(Visa Electron Card)
€ 33 per year
Withdrawal in euros in another bank’s ATMs in the Euro zone
with an international debit card
free for Visa premier, Visa Infinite and Gold MasterCard or cards
included in the Banking Packages.
€ 1 per withdrawal from the 5th withdrawal per month (Visa Electron
Card, Visa Plus and Visa Classic outside the Banking Packages)
External one-off SEPA transfer
€ 4 per transfer in branch
free by Internet
Payment of a SEPA Direct Debit
free direct debit authorisation
free debit payment fees
Direct debit authorisation charge
€ 8 per transaction, limited to € 80 per month
Insurance against loss or theft of means of payment (HSBC Volassur)
€ 24 per year
Handling charges
€ 24 per year
(1)
The Financial Services Advisory Committee (CCSF) requires financial institutions to present a summary of their prices at the beginning of their
general conditions and on the Internet.
(1) HSBC Volassur is a group insurance policy underwritten by HSBC France with AIG Europe Limited.
5
Opening and managing
your account
Opening, changing, closing
Current account opening and closing .................................................... free
HSBC Easy, quick and simple account Switching service .................... free
Account transfer to another branch of HSBC France ............................ free
List of automatic and recurring transactions ...................................... free
Annual management charge + operational costs
(correspondence, postage)....................................................................................... Statements
Monthly statement or e-statement(1) ...................................................... Fortnightly...................................................................................................per month
free
€3
Daily...............................................................................................................per month € 28
Account fee (active/inactive)............................................................... per quarter € 6
Branch services
Charge for posting cheque books (excluding postage costs)....................... € 2.75
Charge for sending bank card (excluding postage costs)............................... free
Cash withdrawals in branch without issuing cheque
........................
free
Cash withdrawals by cheque in branches
HSBC France (450 per week maximum) .............................................................
free
Charge for searching documents........................................................ € 10 to € 25
Estimates on request for complex or important searches
(1) Not including call or subscription costs, varies according to operator.
€ 40
Safe - Annual charge
Depending on size............................................................................................from € 110
Security Deposit
Depending on size.....................................................................................
Account management
6
Inheritance
Charge for inheritance procedures ............................................. 0.60 % of assets
min € 150
max. € 750
€ 300/€ 500
Remote Banking
Remote banking subscription (internet, landline,
mobile phone, etc.) ..................................................................................... free
Remote, internet and telephone banking charges(1)
Online banking at www.hsbc.fr .............................................................. Mobile Services: HSBC app for iPhone and Android .......................
free
free
Services by phone: HSBC Customer Relations
0 810 2 4 6 8 10 ............................................................................................. free
HSBC Customer Relations advisors will be happy to advise you
Monday to Friday from 8 am to 10 pm and Saturday from 9 am to
5:30 pm.
Balance alerts via text: HSBC Alerts
(banking or stock market information sent by email or text)
Monthly charge for 6 alerts........................................................
per month
€ 2.10
Monthly charge for 25 alerts......................................................
per month
€ 5.10
Each alert exceeding monthly subscription........................
per text € 0.40
by e-mail € 0.20
(1) Not including call or subscription costs, varies according to operator.
7
Payments
Cards
Transactions in the euro zone
50% discount for additional card on the same account where the
Cash withdrawals
card is of identical or lower category.
- HSBC Group(1) ............................................................................................. Card fee per year
Visa Infinite Card .......................................................................................... € 325
Visa Premier Card ......................................................................................... € 134
Gold Master Card ......................................................................................... € 134
Visa Classic Card
• All cards included in banking packages and Visa Premier
Gold MasterCard, Visa Infinite ...................................................... € 45
- immediate debit.......................................................................................... € 42
Visa Electron Card ....................................................................................... € 33
Transactions outside the euro zone
Plus Card........................................................................................................... € 25
Cash withdrawals:
Card payments .............................................................................................. - HSBC Group(1)(2) .......................................................................................... Issuing a new card ...................................................................................... € 12.50
Re-issuing a PIN code................................................................................. €9
Cancelled card ............................................................................................... free
free
• Visa Electron, Visa Plus and Visa Classic non-included
in banking packages............... € 1 / withdrawal from the 5th withdrawal in the month
- at any Visa or MasterCard network branches ......................... per withdrawal € 5
- deferred debit .............................................................................................. Various transactions
free
free
- from another bank’s ATM.......................................................per withdrawal € 3.05
+ 2.90 %(3)
- at any Visa or MasterCard network branches.......................
Card payments
8
free
- from another bank’s ATM:
€5
+ 2.90 %(3)
per withdrawal
............................................................................................ 2.90 %(3)
(1) Fees may nevertheless be charged by the local bank in some countries. (2) Only MasterCard cards are accepted in Canadian HSBC ATMs. (3) Of the gross amount of the
transaction.
SEPA transfers
Recurring or one-time euro transfer to/from a country within the SEPA zone
(EU Member States, Iceland, Liechtenstein, Norway, Switzerland, San
Marino and Monaco). Only option available: «Share».
Sending a transfer
Receiving a non-SEPA transfer
Fee per non-SEPA transfer received
- Non-SEPA transfer received ................................................................ € 25
Other expenses on non-SEPA transfers
One-time transfer
Exchange commission ................................................................................ free
- Through Internet and Mobile Banking(1).............................................. free
Correspondent fees
- External transfer ordered through your branch .....................
€4
One-time incomplete transfer (required information
missing or erroneous)..................................................... additional commission € 15
per transfer
Recurring transfer
- External transfer ordered online(1)........................................................
- External transfer ordered through your branch........... free
per transfer
....................................................................................... € 20
Recurring SEPA or non SEPA set-up transfer is free.
€ 1.10
Receiving a transfer
Direct debits/Interbank title of payment (TIP)
Fee per transfer received
Automatic transfer set up .........................................................................
free
- One-time or recurring transfer received ............................................ Cancellation of a SEPA transfer .............................................................
free
SEPA direct debit payment fees, Interbank Payment Title
(TIP).......................................................................................................................
free
free
Non-SEPA transfers (international)
Recurring or one-time transfer in European Union currencies to an EEA
country (only option available: “Share”), or any other currency transfer to any
other country (options available: “Ben”,“Our”,“Share”).
Sending a non-SEPA transfer
Cheques(3)
Cheque book
..................................................................................................
free
Bank cheque issue charge ........................................................................
€ 11
Cheque(s) stopped by the issuer ........................................ per cheque €
12.50
One-time non-SEPA transfer(2)
- Through Internet and Mobile Banking(1).............................................. € 12.50
- Ordered through your branch ............................................ 0.10 % of the transaction
min € 25
(1) Not including call or subscription costs, varies according to operator. (2) Additional fees may be charged by French or foreign correspondents, necessitated by a particular
service or as a result of a foreign exchange transaction. Ordered online and beyond the authorised limit are subject to pricing applied in branch. This online transaction is
not carried out in real time and you may receive a call on the number you gave HSBC France to confirm it. (3) Cheque value dates: The following business day for cheques
deposited before midday. Two business days for cheques deposited after midday.
9
Packages - Conventions
HSBC Hexagone
The HSBC Hexagone Package provides a range of useful services to
make your life easier.
Monthly charge for Packages - «Conventions»: IndividualJoint
Classic Visa Card......................................................
€ 8.10 € 10.35
Debit card
Visa Premier Card / Gold MasterCard...........
€ 14.45
€ 20.55
Visa Classic, Visa Premier or Gold MasterCard or Visa Infinite
Visa Infinite Card.....................................................
€ 28.65
€ 41.85
Services included/Fees exemption
- Account fees
- One-time and recurring SEPA transfers
Unlimited cash withdrawals in France and the Euro zone from all
ATMs
Issuing a new card and re-issuing a PIN code
Charge for posting cheque books and card (excluding postage)
No charge for stopping cheques
Overdraft facilities: up to € 3 000/per month(1)
Account debit authorised up to 15 days, consecutive or not,
per 30-day period.
No bank charges: up to € 12 /Qtr.
Special conditions are applicable only to students up to
28 years of age: - 50% monthly fee with Visa Classic card.
Offer for customers in financial difficulty
Debit card
Visa Electron Card
No account monthly fees
HSBC Alerts - 6 Alerts / month (text or email)
Access to Ma Banque en Ligne limited solely to internal operations
Account fees
The one-time and permanent SEPA transfers ordered in branch
Account management fees
Insurance against loss / theft of cards or cheques: HSBC Volassur
2 bank cheques issued per month
Remote Banking
Monthly charges ........................................................................................ free
HSBC Alerts - 25 Alerts / month (text or email)
10
(1) Subject to acceptance. Example: for an overdraft of € 3 000 daily for 15 days: total cost of € 19.50 (including fees on the highest overdraft calculated at the rate of 0.05%)
with interest rate equal to the HSBC base rate + 7%, i.e. at 01.07.2015, 14.40%. APR: 16.94%, i.e. an APR for a unit period of a day of 0.0428%.
Handling charges and various other fees
Handling charges
Payment incidents
Following an incident on your account requiring specific handling.
Letter informing customers about unauthorised
overdraft ............................................................................................................... Fees charged by the bank due to an irregular operation on your account (insufficient funds,
incorrect account details, irregular payment order etc.)
Per transaction (up to € 80 per month)...............................................................
€8
Various transactions
Report to the Banque de France
Fees for reporting a decision to withdraw a debit card
to the Banque de France ............................................................................................
€ 20
Cheque incidents
€ 30
Charge for each rejected transaction due to insufficient funds(1)
- Cheque for ≤ € 50 ........................................................................................ € 30
- Cheque for > € 50 ........................................................................................ € 50
Cost of information letter prior to cheque being rejected
due to insufficient funds(2) ........................................................................... € 13
Cheque returned for reasons other than insufficient funds......... € 16
Fee for cheques paid during the period
of banking restriction ...................................................................................................... € 20
Card incidents
Costs following notification issued by the Banque de France
to prohibit the issuing of cheques ..........................................................................
Rejected direct debits
€ 30
Third-party notification charge .................................................................................. € 100
Fiscal seizure charge ...................................................................................................... € 100
Charge for the bank blocking a card due to improper use.................
€ 36
Charge for rejected direct debit (1) due to insufficient funds
...................................................................................................... direct debit amount, max.
€ 20
Sequester of property ................................................................................................... € 100
Court order opposition charge .................................................................................. € 100
Administrative seizure .......................................................................................max. € 100
up to 10% of the amount blocked
(1) The amount includes all fees (administration, handling, etc.). (2) Fees uncollected if rejection.
11
Overdrafts and loans
Overdraft facilities
This allows you an overdraft for a maximum of 15 days, consecutive
or not, per 30-day period.
Other fees on overdraft facility and overdrafts
Fee on the highest overdraft(3) ............................................ per month
0.05 %
Fixed minimum commission (for overdrafts < 400 €,
average daily of two cut-offs)(5) ......................................................... Overdraft facility(1) linked to a Banking Package
Adjustable annual borrowing rate.............................. Base rate(2) +7 to 9.5%
Overdraft facilities(1) not linked to a Banking Package
Set up fees ........................................................................................................... € 15
Adjustable annual borrowing rate ............................ Base rate(2) +7 to 9.5%
.
Consumer credit
The Annual Percentage Rate is shown on the loan offer
Interest rates are set based on market conditions.
Overdrafts
Personal(4)(6) and student loans
The Annual Percentage Rate is shown on the credit facility agreement in
the form of an account overdraft or specified on the account statement
Arrangement fees for personal loans ≤ € 75 000 ............................ Authorised overdrafts
Adjustable annual borrowing rate(3)(4)...................... Base rate(2) + 2.8 to 8%
Administrative Charges........................................................................... by offer € 25
€5
€ 10
per month
or per quarter.
min.
1%
€ 55
120
max. €
Arrangement fees for personal loans > € 75 000 ............................ € 300
Student loan arrangement fees.................................................................. € 43
Change in payment schedule requested by the customer........... € 15
Non-authorised overdrafts
Adjustable annual borrowing rate(3)(4) ........................................ Base rate(2) + 9.5%
12
(1) Subject to acceptance. (2) Base rate: HSBC base rate 7.40% at 01.07.2015. The base rate is determined by each bank, depending on the nature of the loan and takes account
of various capital market rates. (3) Fees and commissions included in the APR (Annual Percentage Rate). (4) The rate varies depending on the particular loan amount, duration
and guarantees within the limit of the lending rate ceiling. (5) Excluding APR. (6) The information in this section does not constitute a loan offer.
Mortgages
Other fees on loans
The effective rate is shown on the preliminary mortgage offer. Interest
rates are based on market conditions
Property and Personal Loans
Application charge based on borrowed funds(1) ................................ 1%
min. € 300
max. € 1 000
Additional fees if funds are released in several instalments(1)......... € 185
€ 80
Annual letter to guarantors........................................................................... € 25
Guarantees issued by the bank
Tax, rent etc.
“Buying a home in France” offer(2)
Support for our English-speaking customers’ property projects in France
and mortgage offer available in English................................................... 1%
max. € 2 000
Property loan management fee
Sending an amended offer.......................................... 1 % of the outstanding capital
min. € 500
max. € 1 000
Early repayment schedule............................................................................
€ 50
Change in payment schedule requested by the customer.......... € 25
Reissuing of a payment schedule............................................................ € 30
Mortgage guarantee release certificate................................................ € 15
(1) Except for the Home Savings Loans. (2) Buy your property in France.
Letter for unpaid amounts........................................................................... Legal fees ....................................................................................... € 45 to € 110
Addendum................................................................................................................ € 45
Annual risk commission (based on the amount
of the guarantee and collected quarterly in advance) ...................................... 1.20 to 2 %
min. € 30
13
Savings and investments
Savings
Services
Transfer of a PEL or CEL (home savings)
to another institution ..................................................................................... In other markets(2)
(Foreign brokers fees excluded)(3)
€ 55
Elysées Patrimoine statements
€5
€9
€ 13
€ 22
equity markets: New York
(NYSE & Nasdaq), London,
Frankfurt (Xetra), Madrid
0.57 %
€ 35
Branch or phone*
Key international stock markets
1.50 %
€ 49
* Via the Customer Relationship Centre’s Securities Desk.
Custodian encashment
Custodian fees are received on a half-yearly basis and calculated
in view of the securities held in the portfolio at 30th June and
31st December of each year.
Investments
Stock market orders
The prices below exclude the French Financial Transaction Tax, due at the current rate
0.2% of the transaction amount(1)
On Euronext (Paris, Amsterdam, Brussels)
markets
Internet or
telephone*
Branch
% of the
value of
the order
Minimum
Package
Invest Expert
If you generally place
orders > € 3 000
0.21 %
€ 15.90
Package
Invest
If you generally place
orders < € 3 000
0.53 %
€ 7.90
1.40 %
€ 17.50
Custodian fees for HSBC France Group securities
and UCITSs ........................................................................................................ free
Custodian fee for the other securities, depending on the number of
orders executed on the Euronext Markets over the period considered:
Fewer than 15 orders
Amount of the
portfolio
determined on the total value
of only billable lines
Proportional
charge
per level
€ 100 000
Beyond € 100 000
0.12 %
0.08 %
Up to
14
Minimum
Internet or phone*
Document summarising assets and loans held
Personal or Family statement, fees per statement:
- Monthly ............................................................................................................. - Quarterly............................................................................................................ - Half-yearly.......................................................................................................... - Annual................................................................................................................. % of the
value of
the order
+
Fixed charge
Minimum
per line
€ 2.50
(4)
15 orders
or more
free
€ 15
(1) Tax on Acquisition of Debt Instruments of currently 0.2% is applicable on every paid acquisition of shares on a capital account or similar (admitted to negotiations on French or
foreign regulated markets) of a French company whose market capitalization is higher than 1 billion at 1 December of the year preceding this tax year. You are liable for this tax on the
aforementioned debt instruments whether they are purchased directly by you or under an HSBC Equity Shares France or Europe Mandate. (2) Excluding any foreign exchange fee
and local taxes. (3) Broker fees for main markets: New York (NYSE & Nasdaq) 0.06% min. 26.4 USD, London 0.06% min. 18 GBP, Frankfurt 0.06% min. 18 eur, Zurich 0.06% min.
42 CH, Madrid 0.06% min. 30 EUR. Contact us about charges related to other markets. (4) For ISIN listed securities on Euronext markets (Paris, Brussels, Amsterdam). Fixed fee of
E 5 per line, for other securities.
Transfer of stocks to another institution
Deferred Settlement Service (SRD)(1)
- Deposit France, Belgium, Netherlands, Portugal ................. Price applied pro rata (calculated on the day of porting).................... optional
0.022 %
Extension ...................................................................................... 0.299 % min. € 10
Unlimited access to real-time securities
on Euronext markets ..................................................................................
Securities transaction
free
€ 12.80
...................................................................................
Securities transaction available online .................................................. free
per line
- Foreign deposit ..................................................................................... €5
min.
€ 40
per line
€ 50
Transfer a share-based savings scheme to another institution ..... € 60
Transactions on securities unquoted in share-based
savings scheme ............................................................................................... € 150
(3)
HSBC’s third-party provider receives a commission for the sale of the UCITS range (refund on
management fee valued on net asset). The investment agreements signed by HSBC France
with UCITS management companies presented as part of its retail activities allow for the
payment to the bank of a commission proportional to the stock placed by the Bank in the UCITS
concerned. According to Art. 314-76 of AMF’s general regulations, HSBC France will give
investors details of rates applicable by UCITS
Other securities transactions
PEA / PEA-SME management (excluding custodian fees)........................ free
Portfolio statements, fee per statement
Payment of coupons:
Annual statement............................................................................................. free
- Euronext securities ......................................................................................
free
Monthly, quarterly or half-yearly statement........................................
€ 10
- Foreign securities, Euroclear deposit ISIN........................................
free
French wealth tax statement......................................................................
€ 25
- Foreign securities, foreign deposit ISIN ............................................
3%
Statement on request....................................................................................
€ 30
Charge for external(2) UCITS ....................................................... € 30 per transaction
The price for subscription and redemption of UCITS units or shares includes possible entry
and exit charges, which vary according to UCITS. These can be found in the Key Investor
Information Document (KIID) provided prior to subscription.
(1) Only available for SRD-eligible securities as published by Euronext Paris. These rates are in addition to the usual brokerage fees. (2) Before investing in a UTICS under
French or foreign law, you must carefully review the French version of the Key Investor Information Document (KIID) or its prospectus, regulatory documents that are available
at HSBC branches or www.hsbc.fr. Before making any investment decision, you must ensure with the help of your advisors, that the UCITS(s) considered match your financial
situation, your investment objectives, your risk appetite and regulations to which you are subject (and particularly local legislation to which you may be subject). Investments
subject to market fluctuations may vary downward as well as upward and carry a risk of capital loss. (3) In addition to fees per line.
15
Insurance and protection
Personal protection
HSBC Capital Prévoyance(1)
Death insurance – all causes / Total and Irreversible
Loss of Autonomy all causes........................................................ HSBC Protection Avenir(2)
Death insurance – accidental causes / Total and Irreversible
Loss of Autonomy accidental causes....................................... @
contact us
contact us
Get a quote and purchase online.
Protect your belongings
HSBC Volassur(3)
Insurance against loss/theft of
cheque book or cards......................................................................
per month
HSBC Garantie Habitation(4)
Home Insurance ................................................................................ @
16
€ 24
contact us
Get a quote and purchase online.
(1) HSBC Capital Prévoyance is an individual insurance policy that covers death or total and irreversible loss of autonomy underwritten by HSBC France with HSBC Assurances
Vie (France), a company regulated by the Insurance Code. Up to the limits set out in the policy. (2) HSBC Protection Avenir is an individual insurance policy that covers death or
total and irreversible loss of autonomy following an accident, underwritten by HSBC France with AIG Europe Limited. Within the limits of the applicable provisions in the general
conditions of the policy. (3) HSBC Volassur is a collective insurance policy underwritten by HSBC France with AIG Europe Limited.(4) General insurance policy underwritten via
HSBC France with Allianz IARD and Protexia, companies regulated by the Insurance Code.
Other international transactions
Foreign exchange
A foreign exchange commission, calculated by level, applies to
transactions that require the buying or selling of currencies (excluding
non-SEPA transfers)
Bank cheques
- Processing charge ....................................................................................... - Swift charges .................................................................................................. € 16
€ 18
Exchange Commission
Up to € 75 000 .............................................................................................. 0.05 %
From € 75 001 to € 150 000 .................................................................. 0.025 %
More than € 150 000 ................................................................................. 0.0125 %
min. € 16.50
Manual exchange
Issuing and buying back bank notes ..............................per transaction € 5.40€
Payment or withdrawal from a similar foreign
currency account........................................................................................... 1.50 %
Cheques(1)
Collection commission ................................................ 0.12 % of the transaction
min. € 16
max. € 100
Collection commission................................................. 0.15 % of the transaction
min. € 35
Postal charges(2) ................................................................................................. € 25
Swift charges .................................................................................................... €5
Cheque returned unpaid .............................................................................. € 31
HSBC Group operations
Global View / Global Transfer
Global View / Global Transfer is an exclusive service that lets you see
all your HSBC accounts worldwide on a single screen; it also allows
you to make international transfers between these accounts.
Consultation (Internet and mobile)....................................................... free
Issuing / receiving transfers.....................................................................
free
Exchange commission................................................................................
free
Emergency cash
Assistance service abroad for an HSBC France customer(4) ... € 15
Opening an account overseas
Support for setting up a bank account within HSBC Group(3)
overseas and provision of banking tools(5).........................................
€ 140
(1) Cheques issued abroad may be subject to additional fees (corresponding costs, exchange rates). (2) Where a cheque is credited after deposit. If credit is immediate, no postage
fee. (3) Legislation requires French tax residents, companies and institutions to declare accounts used, open or closed overseas when declaring income or profits as well and any
related income. As soon as tax is paid on investment income, individuals must pay social contributions and, where applicable, make interim tax payments. Finally, these accounts
must be reported for wealth tax if the holders concerned are liable. In addition, legislation requires individuals who are domiciled for tax purposes in France to declare their income,
life insurance policies underwritten by organisations based outside of France and where applicable any related income from a total or partial redemption. In addition, they must
also pay social security contributions due under their policy. Finally, these life insurance policies must be declared for wealth tax if the holders concerned are accountable. If these
obligations are not met, tax adjustments and penalties will be applied. You should seek advice from your tax specialist in order to determine your tax obligations. (4) Subject to
obtaining prior permission from HSBC France. Emergency cash up to a maximum of USD 2,000 or an equivalent value in local currency. (5) Subject to acceptance by the relevant
HSBC branch and according to local regulations.
17
Products no longer on sale
Conventions/Packages
Consumer loans
Monthly charge
«Libertel» revolving credit Individual/Joint HSBC Patrimoine
Adjustable annual borrowing rate ...................... base rate + 3.50 to 6.5%
Visa Infinite.................................................................................. € 32 / € 44
Visa Premier / Gold Mastercard........................................ € 17.35 / € 24.30
Individual/Joint HSBC Dynamique
Visa Premier / Gold MasterCard........................................ € 15.10 / € 21.15
Visa Classic.................................................................................. € 8.40 / € 11.50
HSBC Avenir .................................................................................................
€ 3.80
(excluding optional insurance)
Protection
HSBC health insurance(1) .................................................................... contact us
HSBC Famille Prévoyance(2)
Death insurance – accidental causes / Total and Irreversible
Loss of Autonomy accidental causes.......................................... € 26
HSBC Garantie des Accidents de la Vie (GAV)(2), insurance :
HSBC Passeport
Bought Separately .....................................................................................
€ 18.50
In Addition to HSBC Hexagone contract ........................................
€ 13.85
- Individual ................................................................................... € 105 or € 128
- Family ......................................................................................... € 190 or € 236
Other services
Elysées Rémunération (automatic savings service)............................... Annual management charge, Plan Elysées Bourse .............. 18
per year
€ 10
€ 15
(1) Group insurance policy underwritten by APRINSS with Swisslife Prévoyance et Santé, a company governed by the Insurance Code. Up to the limits set out in the policy.
(2) Group insurance policy underwritten by HSBC France, with AIG Europe Limited within the limits of contractual provisions.
Resolve a commercial dispute
The quality of HSBC service: always available
to you
Direction Relations Clients
103, Champs-Elysées - 75419 Paris Cedex 08
HSBC France is very committed to quality of service.
However, difficulties may arise when using your account or services
related to it.
To help us to continually improve our service, do not hesitate
to contact your Relationship Manager.
Your Relationship Manager is the cornerstone of your relationship
with HSBC.
Alternatively, you can contact our Customer Relationship Quality
Department, which can answer your questions.
(1)
www.hsbc.fr, rubrique under «Contactez HSBC» choose
”Reclamation” in ”Motif du contact”
Finally, you can contact the HSBC France mediator, whose contact
details appear on your bank statement.
The ombudsman will intervene to facilitate resolution of the dispute
and find the most appropriate solution.
(1) Article L113-5 of the Consumer Code (premium numbers may not be used for customer complaints).
19
How to apply or learn more?
Contact your Relationship Manager
Call your HSBC Customer Relationship Centre on 0 810 2 4 6 8 10*
*Cost may vary depending on operator.
Log on to www.hsbc.fr
Issued by HSBC France
04/2015
HSBC France
A public limited company (Société Anonyme) with capital of 337,189,135 euros
SIREN 775 670 284 RCS Paris - 103 Champs-Elysées - 75008 Paris
Bank and Insurance Intermediary registered with ORIAS
(Organisme pour le Registre des Intermédiaires en Assurance - www.orias.fr)
under No. 07005894.
HSBC Assurances Vie (France)
A public limited company (Société Anonyme) with capital of 115,000,000 euros
SIREN number 338 075 062 RCS Paris
Mailing Address: 75419 Paris Cedex 08 - Registered office: 15, rue Vernet - 75008 Paris
Company regulated by the Insurance Code
Ref. : 15.000.68 - © Photononstop