Debit cards

Yes, you can use your card to pay for everyday purchases wherever the Visa logo is displayed. Your HSBC debit card is accepted at thousands of retail outlets in Egypt and over 28 million retail outlets worldwide.

Yes, your HSBC debit card is accepted globally, giving you easy access to your bank account at over 1 million ATMs and over 28 million retail outlets all over the world.

Yes, Markup fees applied on such transactions.

Transactions in foreign currency is converted into the equivalent in Egyptian Pounds at the prevailing market rate at the posting date and not at the transaction date attracting the foreign currency mark–up fees and charges as per the 'Schedule of Charges' announced on our website. Foreign Currency Transactions 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 is the transaction posting date on HSBC system and not the actual date of transaction and which may involve a conversion to US Dollars or Hong Kong Dollars first).

If the transaction is performed in the same currency of the main account (Primary Account Number) linked to the Debit Card, there will be no mark-up fees charges.  Example, performing a transaction in USD currency with the debit card issued on a USD customer account.

If the transaction is performed in a different foreign currency than the currency of the main account linked to the Debit Card (i.e. cross currency conversion) then mark- up fees will be charged. Example, performing a transaction in Euro currency with the debit card issued on a USD customer account.

The mark up fees charged in such case will be the prevailing mark-up rate applied on all foreign currency transactions. (to review the mark-up fees, please check the Schedule of Tariffs and Charges available on our website under Help & Support).

You can withdraw cash from your bank account by using your HSBC debit card:

• any HSBC ATM (within Egypt and overseas)
• non-HSBC ATMs in Egypt displaying the 123 logo
• over one million ATMs displaying the Visa/Plus logo (within Egypt and overseas)

Cash withdrawal and retail transaction limits will also apply. These limits will vary in relation to the ATM network being used. For overseas transactions and non-HSBC ATMs, network fees and transaction charges may apply.

With your HSBC debit card, your ATM transactions are debited directly from your bank account. For retail purchases, a hold will be placed on your bank account for the value of your purchases. These transactions will be debited from your account within 30 working days from the date of your transaction, at which time the hold is deleted.

All your HSBC debit card transactions will appear on your bank statement, detailing the transaction date and retail outlet for reference. You should always verify the transaction details appearing on your bank statement.

• Your HSBC debit card is for your personal use only — never permit anyone else, including family members, to use your card
• If your HSBC debit card is lost or stolen, you must report it immediately to our Contact Centre. Once reported, your card will be cancelled immediately and HSBC will arrange for a replacement card
• If your HSBC debit card is found or returned to you after it has been reported lost or stolen, please do not use the card. Please destroy the card by cutting it in half across the magnetic stripe and chip
• The bank shall not be liable for any transaction effected before the date and time it is reported as lost or stolen
• Always retain your sales slips so you can cross-check them against the card transaction on your bank statement. If you see a charge or entry that you do not recognise, contact our Contact Centre immediately
• Always select a six-digit PIN that you can easily remember, but that's also difficult for others to guess
• Memorise your PIN, don't write it down
• Your PIN is used for cash withdrawals at ATMs and in retail outlets where the PIN is required to complete the sales transaction
• Never reveal or quote your PIN to anybody, including HSBC staff or in any correspondence over the phone or on the internet
• Always shield the keypad when you enter your PIN to ensure others cannot see it
• Change your PIN frequently. You can do this at any HSBC ATM in Egypt
• If you forget your PIN, please call our Contact Centre team or visit your nearest HSBC branch and request a new PIN

Purchases made through your HSBC Debit Card are covered under free comprehensive purchase protection and extended warranty insurance. Purchases are automatically insured against theft or damage and have extended warranty coverage for double the period of the original manufacturer's warranty period, subject to a maximum of 24 months from the date of purchase. Terms and conditions apply.

The insurance is arranged and offered by Visa International and subject to the Terms & Conditions of Visa International. The bank gives no warranty or guarantee as to the quality or suitability of the service provided by the insurance company. HSBC is not a party and is not liable for any claims or compensation.

Additional HSBC Debit Cards will be issued to joint account holders only. Each joint account holder will be issued a debit card if authorised to operate the account solely.