HSBC cards no longer work in many overseas ATMs
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Frogman,
In answer to your post yes you can link your credit card to savings . In fact it is not necessary it's done automatically but perhaps worth contacting the bank to confirm: see my post on previous page .
Anywhere you have a PLUS or cirrus displayed on an ATM simply use your credit card which then has a link to withdraw from savings . No bank charges other than the usual $25 per transaction
In answer to your post yes you can link your credit card to savings . In fact it is not necessary it's done automatically but perhaps worth contacting the bank to confirm: see my post on previous page .
Anywhere you have a PLUS or cirrus displayed on an ATM simply use your credit card which then has a link to withdraw from savings . No bank charges other than the usual $25 per transaction
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HSBC apologises for UnionPay ATM
HSBC apologises for UnionPay ATM-card fiasco in Hong Kong
Ever since HSBC started sending out its new ATM cards with an embedded chip, internet chat rooms and our own organ's letters page have been humming with disgruntled HSBC customer complaints. The problem is that customers have been unable use the card to withdraw cash from their accounts in many parts of the world, aside from the mainland.
Lai See approached HSBC to ascertain what progress they were making in finding a solution to the current mess. They responded by saying:
"We apologise to the customers who have been inconvenienced by the new arrangement. Customer feedback is important to us. We are working on improving the ATM access in markets including those mentioned by your readers and we hope more details can be provided soon. Similar to most banks in Hong Kong, UnionPay was chosen as the network provider for ATM chip cards. A majority of our customers increasingly uses cash withdrawal services in China and Asia. We encourage customers who have encountered problems in markets covered by UnionPay's network to contact us so we can investigate the cases individually. In the meantime, HSBC customers can link their bank accounts to their Visa/MasterCard credit card to use the ATM services of the PLUS/Cirrus network."
HSBC's problems started when it issued the new cards with only one global payment network - UnionPay. Previously it used the Plus network which can be used more widely than UnionPay. Banks issuing ATM cards in Hong Kong were instructed by the Hong Kong Monetary Authority to adopt chip-based ATM cards to increase the security of the card. In an earlier story by the SCMP, an HSBC spokesman said: "For security reasons, we are allowed to link to only one pay system. We use UnionPay."
A Hong Kong Monetary Authority spokesman said it did not insist on this requirement and when asked to elaborate HSBC responded: "UnionPay was chosen as the sole ATM network provider for our chip cards as part of an agreement the details of which are confidential."
Chip-embedded ATM cards issued by other banks in Hong Kong appear to have only one international payment network on their cards. But they appear to have avoided the mess that HSBC has ended up in by giving its customers a choice of cards.
Standard Chartered, for example, offers a card connected to the Jetco payment network for use in Hong Kong and Cirrus for international use. It also has a card with both Jetco and UnionPay. This may well be the path which HSBC will have to adopt. To paraphrase Winston Churchill: "You can always count on them to do the right thing, having tried everything else."
SCMP...07/06/2013
Ever since HSBC started sending out its new ATM cards with an embedded chip, internet chat rooms and our own organ's letters page have been humming with disgruntled HSBC customer complaints. The problem is that customers have been unable use the card to withdraw cash from their accounts in many parts of the world, aside from the mainland.
Lai See approached HSBC to ascertain what progress they were making in finding a solution to the current mess. They responded by saying:
"We apologise to the customers who have been inconvenienced by the new arrangement. Customer feedback is important to us. We are working on improving the ATM access in markets including those mentioned by your readers and we hope more details can be provided soon. Similar to most banks in Hong Kong, UnionPay was chosen as the network provider for ATM chip cards. A majority of our customers increasingly uses cash withdrawal services in China and Asia. We encourage customers who have encountered problems in markets covered by UnionPay's network to contact us so we can investigate the cases individually. In the meantime, HSBC customers can link their bank accounts to their Visa/MasterCard credit card to use the ATM services of the PLUS/Cirrus network."
HSBC's problems started when it issued the new cards with only one global payment network - UnionPay. Previously it used the Plus network which can be used more widely than UnionPay. Banks issuing ATM cards in Hong Kong were instructed by the Hong Kong Monetary Authority to adopt chip-based ATM cards to increase the security of the card. In an earlier story by the SCMP, an HSBC spokesman said: "For security reasons, we are allowed to link to only one pay system. We use UnionPay."
A Hong Kong Monetary Authority spokesman said it did not insist on this requirement and when asked to elaborate HSBC responded: "UnionPay was chosen as the sole ATM network provider for our chip cards as part of an agreement the details of which are confidential."
Chip-embedded ATM cards issued by other banks in Hong Kong appear to have only one international payment network on their cards. But they appear to have avoided the mess that HSBC has ended up in by giving its customers a choice of cards.
Standard Chartered, for example, offers a card connected to the Jetco payment network for use in Hong Kong and Cirrus for international use. It also has a card with both Jetco and UnionPay. This may well be the path which HSBC will have to adopt. To paraphrase Winston Churchill: "You can always count on them to do the right thing, having tried everything else."
SCMP...07/06/2013
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Before departing on leave i confirmed with the bank that my accounts were linked to my Visa card.....
Well...arriving at an overseas drive through teller, I tried to use my Visa card to withdraw cash and it was denied. I left the bank in frustration.
I returned to the branch a few minutes later and fortunately my ATM card worked....
This fiasco has proven to be a real frustration. The responsible party at HSBC should be sanctioned.
Well...arriving at an overseas drive through teller, I tried to use my Visa card to withdraw cash and it was denied. I left the bank in frustration.
I returned to the branch a few minutes later and fortunately my ATM card worked....
This fiasco has proven to be a real frustration. The responsible party at HSBC should be sanctioned.
Last edited by raven11; 7th Jun 2013 at 13:44.
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HSBC (versus DBS Bank) ATM Chip Cards in South America
Having had a Smartvantage account with HSBC HK for a few years, I've been using their old magnetic stripe ATM card at HSBC branches in Brazil, primarily in Florianopolis where I spend most of the year. I've never had a problem withdrawing Brazilian currency (reais) from any local HSBC ATM.
The conversion to chip-based cards by all HK banks is old news. I just received my new HSBC HK chip card. I was forewarned that it would not yet work at HSBC branches in Brazil, but, that it would work on any ATM machines on the UnionPay network. In Brazil that consists of Banco Itau S/A and some Citibank branches I think.
If I may backtrack a moment, I also have an account with DBS bank in Hong Kong and received their ATM card not long ago. Given that there are no DBS Bank branches in Brazil, I was advised that their card would also function via the UnionPay network. I promptly brought the DBS card to an Itau ATM, activated it, and withdrew funds without any problem. That was several weeks ago.
That said, today I brought my HSBC ATM chip card to the same Itau UnionPay ATM, which was wholly unable to even read the card. I had already reactivated my overseas transaction limits and knew there was and is no problem there. More to the point, this UnionPay ATM, which had no problem reading and transacting with the DBS Bank ATM chip card, could not even read the HSBC ATM chip card.
I phoned the HSBC HK customer service and explained the problem. The customer service agent told me that the UnionPay network was not active in Brazil yet. I assured her that the DBS ATM cards with chips worked just fine in Brazil and her response was to tell me to fly to Argentina and activate my card at a Citibank branch in BsAs. She had no idea whether or not a flight of that distance was easy for me or not. I told her that Brazil is a very large country (which is it) and that, as a consumer, a flight of that length is both time-consuming and expensive... and seemed wholly unreasonable just to activate an ATM card. The bottom line... at this point, there is no solid timeline for when these cards will function seamlessly in many jurisdictions, including Brazil.
What I find odd is that the DBS ATM card works fine in Brazil on the UnionPay network, while the HSBC ATM card does not.
The conversion to chip-based cards by all HK banks is old news. I just received my new HSBC HK chip card. I was forewarned that it would not yet work at HSBC branches in Brazil, but, that it would work on any ATM machines on the UnionPay network. In Brazil that consists of Banco Itau S/A and some Citibank branches I think.
If I may backtrack a moment, I also have an account with DBS bank in Hong Kong and received their ATM card not long ago. Given that there are no DBS Bank branches in Brazil, I was advised that their card would also function via the UnionPay network. I promptly brought the DBS card to an Itau ATM, activated it, and withdrew funds without any problem. That was several weeks ago.
That said, today I brought my HSBC ATM chip card to the same Itau UnionPay ATM, which was wholly unable to even read the card. I had already reactivated my overseas transaction limits and knew there was and is no problem there. More to the point, this UnionPay ATM, which had no problem reading and transacting with the DBS Bank ATM chip card, could not even read the HSBC ATM chip card.
I phoned the HSBC HK customer service and explained the problem. The customer service agent told me that the UnionPay network was not active in Brazil yet. I assured her that the DBS ATM cards with chips worked just fine in Brazil and her response was to tell me to fly to Argentina and activate my card at a Citibank branch in BsAs. She had no idea whether or not a flight of that distance was easy for me or not. I told her that Brazil is a very large country (which is it) and that, as a consumer, a flight of that length is both time-consuming and expensive... and seemed wholly unreasonable just to activate an ATM card. The bottom line... at this point, there is no solid timeline for when these cards will function seamlessly in many jurisdictions, including Brazil.
What I find odd is that the DBS ATM card works fine in Brazil on the UnionPay network, while the HSBC ATM card does not.
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HSBC: Hardly Serious Banking Corporation
BECAREFUL GUYS... aboout going overseas with HSBC cards... YOU NEED A OVERSEAS PIN.
This was cut and paste from SCMP, about a guy who went overseas to England..(btw overseas does not include China
)
One day a customer is going to go POSTAL on HSBC..
HSBC: The hardly serious banking corporation
It seemed simple. Pop into HSBC on a visit to England – it’s “The world’s local bank,” - and check my account. I poked my HSBC card into the Taunton HSBC ATM and got my balance, but no option for mini-statement to show recent transactions. Inside the helpful branch manager, Ivan, ushered me to a different machine – but still only the balance. The machine offered me cash. Important to remember this – my pin number was definitely working when I entered the bank. Ivan suggested a quick call to Hong Kong from the “Premier Suite”, which he said housed the branches only international phone line. It took 15 minutes to get it to work.
Remember this was not me calling cold from a mountain top, but an HSBC branch manager calling the mother ship. Someone in Hong Kong Premier Telephone Banking Centre answered and hung up, three times. It was clearly Ivan’s first experience of HSBC’s phone banking. “Sorry, I’m learning something here,” he said, trying to be upbeat. Finally, Benny at HSBC premier telephone banking answered and got my account number correct at the fourth attempt.
“Please input your phone banking pin,” he said. I replied I didn’t do phone banking. Benny said he could not identify me then. Ivan grabbed the phone and explained identification was already done. Punch in your ATM pin then, said Benny. Four times he said it was invalid. This was the same pin that had given me a balance and offered cash 20 minutes earlier. How could it suddenly be invalid? I’m sorry, said Ivan, squirming. Benny reluctantly put me onto his superior, Ivy Cheung, who refused to accept it was really me. Ivan was by now incandescent. He seized the phone and begged Ivy to assist. “How can I help the customer? Her request is very simple,” he implored: “What is wrong with the phone banking system? Security has been cleared.” But Ivy kept repeating the mantra “invalid pin.”
I gave up. Ivan really wanted to help. “Can I go the extra mile? I will speak to someone centrally.” On the way out he stopped me at the ATM, saying: ”I’m a fatalist and this is 2013, so let’s just try the machine and check that your card still works.” Try withdrawing a little bit of cash, he said. “I just wonder if they’ve done something silly with your card.” Ivan’s premonition was right. The ATM spat out the card.
Later Terry, claiming to be my relationship manager in Hong Kong, rang, telling me this was my fault for going overseas without getting an overseas pin. Overseas pin? I went to Shanghai in early March, no overseas pin needed. “Since March 1 you need to register for an overseas pin.” News to me. “Its’ OK, you can “re-set” your pin for overseas now,” said Terry hastily. ”Re-set?” But I never changed it. Aha. So it would seem the Premier Phone Banking Centre had indeed managed to “invalidate” my pin. ”Just input in your old pin now, that will do,” said Terry. Nice try guys. Amazingly, the card now works again. I went back to Taunton HSBC to thank Ivan. He gave me an Easter egg to say sorry. What else, but a "Flake" one. Compliments of HSBC.
SCMP..
This was cut and paste from SCMP, about a guy who went overseas to England..(btw overseas does not include China
) One day a customer is going to go POSTAL on HSBC..
HSBC: The hardly serious banking corporation
It seemed simple. Pop into HSBC on a visit to England – it’s “The world’s local bank,” - and check my account. I poked my HSBC card into the Taunton HSBC ATM and got my balance, but no option for mini-statement to show recent transactions. Inside the helpful branch manager, Ivan, ushered me to a different machine – but still only the balance. The machine offered me cash. Important to remember this – my pin number was definitely working when I entered the bank. Ivan suggested a quick call to Hong Kong from the “Premier Suite”, which he said housed the branches only international phone line. It took 15 minutes to get it to work.
Remember this was not me calling cold from a mountain top, but an HSBC branch manager calling the mother ship. Someone in Hong Kong Premier Telephone Banking Centre answered and hung up, three times. It was clearly Ivan’s first experience of HSBC’s phone banking. “Sorry, I’m learning something here,” he said, trying to be upbeat. Finally, Benny at HSBC premier telephone banking answered and got my account number correct at the fourth attempt.
“Please input your phone banking pin,” he said. I replied I didn’t do phone banking. Benny said he could not identify me then. Ivan grabbed the phone and explained identification was already done. Punch in your ATM pin then, said Benny. Four times he said it was invalid. This was the same pin that had given me a balance and offered cash 20 minutes earlier. How could it suddenly be invalid? I’m sorry, said Ivan, squirming. Benny reluctantly put me onto his superior, Ivy Cheung, who refused to accept it was really me. Ivan was by now incandescent. He seized the phone and begged Ivy to assist. “How can I help the customer? Her request is very simple,” he implored: “What is wrong with the phone banking system? Security has been cleared.” But Ivy kept repeating the mantra “invalid pin.”
I gave up. Ivan really wanted to help. “Can I go the extra mile? I will speak to someone centrally.” On the way out he stopped me at the ATM, saying: ”I’m a fatalist and this is 2013, so let’s just try the machine and check that your card still works.” Try withdrawing a little bit of cash, he said. “I just wonder if they’ve done something silly with your card.” Ivan’s premonition was right. The ATM spat out the card.
Later Terry, claiming to be my relationship manager in Hong Kong, rang, telling me this was my fault for going overseas without getting an overseas pin. Overseas pin? I went to Shanghai in early March, no overseas pin needed. “Since March 1 you need to register for an overseas pin.” News to me. “Its’ OK, you can “re-set” your pin for overseas now,” said Terry hastily. ”Re-set?” But I never changed it. Aha. So it would seem the Premier Phone Banking Centre had indeed managed to “invalidate” my pin. ”Just input in your old pin now, that will do,” said Terry. Nice try guys. Amazingly, the card now works again. I went back to Taunton HSBC to thank Ivan. He gave me an Easter egg to say sorry. What else, but a "Flake" one. Compliments of HSBC.
SCMP..
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HSBC is a franchise like McD
So when you call in you wsill see the same product on display amd prepared with loving care.
But just try to ask to go into one branch, and order for collection at another.
just my portion of fries worth....
glf
But just try to ask to go into one branch, and order for collection at another.
just my portion of fries worth....
glf
