HSBC Customer Service, Premier Banking and Fraud Help

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HSBC Bank USA provides personal banking, HSBC Premier, international banking, credit cards, mortgages, investments, and wealth-management services in the United States. The correct support number depends on the account, product, and reason for contacting the bank.

HSBC’s current U.S. consumer business is more focused on Premier, international, and wealth-connected customers than the broad mass-market branch banking operation it maintained before 2022. Some older HSBC accounts and branches were transferred to Citizens Bank or Cathay Bank and may no longer be serviced by HSBC.

HSBC Customer Service Phone Numbers

The Personal Banking telephone line is not currently listed as staffed 24 hours a day. HSBC Premier support, secure online chat, and several fraud or card-reporting services are available 24/7.

HSBC does not currently publish one general customer-service email address for account-specific banking questions. Existing customers should use secure chat in online banking or the HSBC U.S. Mobile Banking App.

HSBC Secure Chat and Mobile-App Support

Existing HSBC customers can use secure messaging through online banking or the HSBC U.S. Mobile Banking App 24 hours a day.

Secure chat can help with:

  • Account balances and recent transactions
  • Online-banking access
  • Payments and transfers
  • Card questions
  • Account restrictions
  • Updating personal information
  • Complaint follow-up
  • Finding a Relationship Manager

HSBC may require identity verification before discussing account-specific information. Do not provide a password, PIN, or one-time security code to an unsolicited caller or message sender.

HSBC Premier Customer Service

HSBC Premier customers can call 1-888-662-4722 at any time. Customers outside the United States or Canada can call 1-716-841-6866.

Premier support may assist with:

  • Premier checking and savings accounts
  • International banking relationships
  • Global transfers
  • Debit and credit cards
  • Online and mobile banking
  • Relationship requirements
  • Account access and restrictions
  • Relationship Manager contact information
  • Fraud and lost-card reports

Account qualifications, monthly fees, balance requirements, direct-deposit requirements, and international eligibility can change. Review the current account disclosure before opening or changing an account.

Report HSBC Fraud or Unauthorized Transactions

If you believe someone accessed your HSBC account, used your card, opened an account in your name, or obtained your security information, report the matter immediately.

Existing HSBC Customers

People Who Are Not HSBC Customers

If an HSBC account appears to have been opened in your name, HSBC appears unexpectedly on your credit report, or someone claiming to represent HSBC contacts you, call:

Consider placing a fraud alert or credit freeze with the credit-reporting companies and reporting identity theft through the Federal Trade Commission when appropriate.

Report a Lost or Stolen HSBC Card

Call 1-800-462-1874 immediately to report a lost or stolen HSBC card. The line is available 24 hours a day.

Existing Premier customers may also call 1-888-662-4722.

Review recent transactions and ask HSBC whether you should:

  • Freeze or close the card
  • Request a replacement
  • Change online-banking credentials
  • Remove the card from mobile wallets
  • Update recurring payments
  • Open a fraud investigation

A credit card can also be temporarily frozen or unfrozen through eligible online- or mobile-banking controls.

Report HSBC Phishing Emails, Websites, and Text Messages

Suspicious emails or websites claiming to represent HSBC can be reported to:

phishing@hsbc.com

Copy the suspicious email address or website URL into a new email. Do not include passwords, complete account numbers, payment-card details, or other sensitive information.

Suspicious text messages can also be forwarded to 7726, which spells SPAM, when supported by the wireless provider.

The phishing mailbox is intended for reporting suspicious communications. It is not a general customer-service address and may not provide an individual response.

HSBC Scam Warnings

HSBC warns customers to be suspicious when someone claiming to represent the bank:

  • Requests a username or password
  • Requests a PIN or complete account number
  • Asks for a one-time passcode
  • Instructs the customer to transfer money to a “safe account”
  • Demands payment through gift cards or cryptocurrency
  • Requests remote access to a phone or computer
  • Creates urgency by threatening immediate account closure or arrest

Caller ID can be spoofed. End the contact and call HSBC through a trusted number printed on the card, statement, or official website.

HSBC Online and Mobile Banking Help

HSBC customers can use online and mobile banking to:

  • Review balances and transactions
  • Access statements
  • Pay bills
  • Transfer funds
  • Manage eligible cards
  • Update contact information
  • Use secure chat
  • Review eligible tax forms

If you forget a username or password, use the recovery process on HSBC’s official login page. Do not use a password-reset link from an unexpected email or text.

HSBC Transfers, Wires, and Payments

HSBC provides several ways to move money, including internal transfers, bank-to-bank transfers, eligible global transfers, wire transfers, Bill Pay, and other supported payment services.

Before sending funds, verify:

  • The recipient’s legal name
  • The account and routing information
  • The receiving bank
  • The currency
  • The transfer fee
  • The exchange rate
  • The delivery estimate
  • Whether the transfer can be canceled

Wire transfers and real-time payments may be difficult or impossible to reverse once processed. Never send money because a caller claims it must be moved to protect the account.

For a delayed or missing transfer, obtain the confirmation, transfer reference, amount, date, destination, and recipient-bank information before contacting HSBC.

HSBC Credit Card Customer Service

HSBC Bank USA issues eligible U.S. credit cards. Current cards may require an HSBC checking-account relationship and credit approval.

Use the number printed on the back of the card or call the appropriate HSBC support line for:

  • Card activation
  • Payments and due dates
  • Interest and fees
  • Rewards
  • Credit limits
  • Balance transfers
  • Lost or stolen cards
  • Unauthorized transactions
  • Account closure

Review the current card agreement for the annual fee, interest rates, foreign-transaction fees, reward rules, and account requirements.

How to Dispute an HSBC Card or Account Transaction

First determine whether the transaction is unauthorized or whether it is a dispute involving a merchant you recognize.

Unauthorized Transactions

Report an unauthorized transaction to HSBC immediately through secure chat or a trusted telephone number. HSBC may close the affected card or account and issue replacement credentials.

Merchant Disputes

If you recognize the merchant but dispute the amount, delivery, cancellation, recurring subscription, refund, or quality of the purchase, contact the merchant first when appropriate.

Keep:

  • Receipts
  • Order confirmations
  • Cancellation records
  • Return tracking
  • Refund promises
  • Emails and chat transcripts
  • The account statement

Contact HSBC within the deadline stated in the account agreement or billing-error notice. A pending merchant conversation does not necessarily extend a bank dispute deadline.

HSBC Mortgage Customer Service

  • Standard Mortgage Customer Service: 1-855-527-8400
  • Premier Mortgage Customer Service: 1-855-806-4660
  • Private Bank Mortgage Customer Service: 1-855-806-4664
  • Mortgage Hours: Monday-Friday, 8:00 a.m.-8:00 p.m. ET; Saturday, 8:00 a.m.-5:00 p.m. ET

Mortgage customers may contact HSBC about:

  • Monthly payments
  • Escrow accounts
  • Property taxes and insurance
  • Payoff statements
  • Year-end tax documents
  • Automatic payments
  • Payment assistance
  • Mortgage servicing complaints

Follow any written deadline on a foreclosure, loss-mitigation, insurance, tax, escrow, or error-resolution notice. An ordinary customer-service inquiry may not pause a legal or contractual deadline.

HSBC Investment and Securities Support

Investment and insurance questions should be directed to the appropriate HSBC Securities or insurance representative. Secure chat may not support investment or insurance matters.

Investment, annuity, and insurance products are not bank deposits, are not FDIC insured, are not guaranteed by HSBC Bank USA or another bank affiliate, and may lose value.

HSBC Deposits and FDIC Insurance

HSBC Bank USA, N.A. is a member of the Federal Deposit Insurance Corporation. Eligible checking, savings, and certificate-of-deposit balances are insured within applicable federal limits and ownership categories.

FDIC insurance does not:

  • Guarantee an interest rate
  • Cover ordinary investment losses
  • Cover securities or annuities merely because they were purchased through a bank affiliate
  • Automatically reimburse every fraud or billing dispute

Customers with deposits held under several ownership categories or through related accounts should review current FDIC rules or consult the bank about account titling.

Former HSBC Accounts Transferred to Citizens or Cathay Bank

HSBC exited much of its U.S. domestic mass-market retail banking business in 2022.

Many former relationships were transferred as follows:

  • East Coast branches and national online deposit accounts: Citizens Bank
  • Selected West Coast branches and accounts: Cathay Bank

If you had an HSBC Personal, Advance, small-business, online savings, or branch account before the 2022 transition, review past notices and current statements to identify which bank now services it.

HSBC may not be able to service an account that was legally transferred. Contact the current institution for:

  • Account access
  • Statements
  • Tax forms
  • Deposit research
  • Closed-account records
  • Loan or line-of-credit servicing
  • Disputes involving post-transfer activity

Find an HSBC Wealth Center

HSBC operates a limited U.S. network of Wealth Centers rather than its former mass-market branch network.

Use the official locator to verify:

  • Address
  • Operating hours
  • Appointment requirements
  • Available banking services
  • ATM availability
  • Notary or wealth-management services

Find an HSBC Wealth Center or ATM

Not every Wealth Center provides every cash, account-opening, mortgage, investment, or document service. Confirm the service before traveling.

How to Close an HSBC Account

Before requesting account closure:

  1. Move or withdraw the remaining available balance.
  2. Allow pending deposits, checks, transfers, and card transactions to clear.
  3. Cancel recurring payments and automatic deposits.
  4. Download statements and tax documents.
  5. Redeem or transfer eligible rewards.
  6. Check for account-closing fees or restrictions.
  7. Contact HSBC through secure chat, telephone support, or a Wealth Center.
  8. Request written confirmation that the account was closed.

Closing a checking account does not necessarily close a credit card, investment account, mortgage, safe-deposit relationship, or another separately contracted product.

How to Submit an HSBC Complaint

HSBC accepts complaints through secure chat, telephone, and mail.

Written complaints can be mailed to:

HSBC Bank USA, N.A.
Attn: Customer Relations
P.O. Box 3448
Buffalo, NY 14240-3448

Include:

  • The product involved
  • Relevant dates
  • A clear description of the problem
  • Previous case numbers
  • The names or departments previously contacted
  • Copies of relevant documents with unnecessary private information removed
  • The resolution requested

HSBC says it aims to follow up within five business days when a telephone or chat complaint requires additional investigation. Its stated goal for written complaints is resolution within ten days, although more complex matters may require additional time.

External Banking Complaint Options

If HSBC does not resolve the complaint, customers may review complaint procedures offered by:

Submitting an external complaint does not automatically stop a payment, foreclosure, fraud, credit-reporting, court, or contractual deadline.

HSBC Corporate Structure, Headquarters, and Leadership

  • U.S. Bank: HSBC Bank USA, National Association
  • U.S. Bank Holding Company: HSBC USA Inc.
  • North American Holding Company: HSBC North America Holdings Inc.
  • Ultimate Parent: HSBC Holdings plc
  • HSBC U.S. President and CEO: Jason Henderson
  • HSBC Group Chief Executive: Georges Elhedery
  • U.S. Corporate Headquarters: 66 Hudson Boulevard, New York, NY 10001
  • Corporate Phone: 1-212-525-5000
  • HSBC Bank USA Regulatory Main Office: 1800 Tysons Boulevard, Suite 50, Tysons, VA 22102

The corporate headquarters and regulatory main office are not substitutes for Personal Banking, Premier, fraud, mortgage, investment, or complaint support.

Compare HSBC With Other Banks

When comparing international banks, consider eligibility requirements, deposit insurance, physical locations, international transfers, exchange rates, account fees, minimum balances, investment services, digital access, mortgage availability, and the support available when traveling or living abroad.

HSBC Customer Service FAQs

What is HSBC’s U.S. Personal Banking phone number?

Call 1-800-975-4722. Current telephone hours are Monday through Sunday from 7:00 a.m. to 9:00 p.m. Eastern Time.

Is HSBC customer service available 24 hours?

HSBC Premier support, secure chat, and lost-card reporting are available 24/7. The general Personal Banking telephone line currently has limited staffed hours.

What is the HSBC Premier customer-service number?

Call 1-888-662-4722. Premier support is available 24 hours a day.

Does HSBC have a customer-service email address?

HSBC does not currently publish one general email address for account-specific customer service. Use secure online or mobile chat, telephone support, or written mail.

How do I report a lost or stolen HSBC card?

Call 1-800-462-1874 immediately. The number is available 24/7.

How do I report fraud on an HSBC account?

Existing customers can use secure chat or call 1-888-662-4722. People who are not HSBC customers can report a possible fraudulent account at 1-877-826-8684.

How do I file an HSBC complaint?

Call 1-888-662-4772, use secure chat, or mail Customer Relations at P.O. Box 3448, Buffalo, New York 14240-3448.

Where is HSBC’s U.S. headquarters?

HSBC’s U.S. corporate headquarters is at 66 Hudson Boulevard, New York, New York 10001. It is not a walk-in customer-service office.

Who is the CEO of HSBC in the United States?

Jason Henderson is President and CEO of HSBC in the United States.

Who is the global CEO of HSBC?

Georges Elhedery is Group Chief Executive of HSBC Holdings plc.

Is HSBC Bank USA FDIC insured?

Yes. HSBC Bank USA, N.A. is a member of the FDIC. Eligible deposits are insured within applicable federal limits and ownership categories.

Are HSBC investments FDIC insured?

No. Securities, annuities, and insurance products are not FDIC-insured bank deposits and may lose value.

Why can’t HSBC find my old account?

Many former U.S. mass-market HSBC accounts and branches transferred to Citizens Bank or Cathay Bank in 2022. Review old notices and current statements to identify the present servicer.

Does HSBC still have branches in the United States?

HSBC operates a limited network of Wealth Centers. Use the official locator and confirm the available services before visiting.

HSBC Customer Service Reviews and Complaints

The review section below allows customers to share firsthand experiences involving HSBC Personal Banking, Premier accounts, credit cards, mortgages, fraud reports, international transfers, online banking, Wealth Centers, complaints, or older accounts transferred to another bank.

No HSBC reviews have currently been submitted on this page. The displayed 0/5 means that no ratings have been submitted; it is not a zero-star customer verdict.

Clearly identify whether the issue involved HSBC Bank USA, HSBC Securities, HSBC Insurance Agency, Citizens Bank, Cathay Bank, a merchant, recipient bank, card network, mortgage servicer, credit bureau, or another HSBC entity outside the United States.

Share Your HSBC Experience

Describe the account or product involved, approximate date, support route used, response received, processing time, and final outcome.

Do not post an account or routing number, complete card number, PIN, username, password, one-time security code, Social Security number, wire instructions, mortgage number, account balance, statement, fraud case number, passport, tax document, signature, home address, or private telephone number.

Page Update Note

This HSBC customer-service page was updated on July 28, 2026, to verify Personal Banking and Premier phone numbers, correct telephone hours, add secure chat, lost-card, fraud, mortgage, investment, and complaint contacts, replace the former Fifth Avenue address, update U.S. and Group leadership, explain HSBC’s current U.S. banking focus, identify older accounts transferred to Citizens or Cathay Bank, clarify deposit and investment protections, add scam warnings, and accurately describe the live CustomerServiceNumbers.com review count.

Customer Service Numbers Disclaimer

CustomerServiceNumbers.com is not affiliated with HSBC Bank USA, HSBC USA Inc., HSBC North America Holdings, HSBC Holdings plc, HSBC Securities, HSBC Insurance Agency, Citizens Bank, Cathay Bank, a card network, merchant, credit bureau, mortgage servicer, financial regulator, or government agency.

This page is provided for informational and customer-review purposes. Phone numbers, hours, addresses, executives, products, account requirements, fees, rates, branch locations, complaint procedures, fraud processes, and corporate information can change. Verify important information through HSBC and the agreement applying to the account.

CustomerServiceNumbers.com cannot access or close an HSBC account, replace a card, stop a transfer, issue a refund, reverse a transaction, restore online access, decide a fraud claim, modify a mortgage, transfer an old account, or resolve a regulatory complaint. Contact HSBC, the current account servicer, financial institution, regulator, law-enforcement agency, attorney, or emergency service directly.

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