Personal Banking - Tariff of Charges ‫ تعرفة الرسوم‬- ‫الخدمات المصرفية لألفراد‬

QATAR ‫ق ـ ـ ـ ـطـ ـ ــر‬

15 February 2021

Together we thrive
GENERAL CONDITIONS
1. Any fees listed in this booklet apply to normal transactions. The Bank reserves the right to
levy additional charges for services at its sole discretion.

2. Other expenses, such as credit bureau, stamps, postage, cable, fax charges etc. not
included in this list will be charged where incurred.

3. Charges for any services not mentioned will be available on request.

4. All terms and conditions mentioned are subject to change without notice.

5. The Bank’s standard interest rates are on display in HSBC branches in Qatar.

Abbreviations used in this booklet:

A/C - Account A/C
AGCC - Arab Gulf Cooperation Council AGCC
ATM - Automated Teller Machine ATM

FCY - Foreign Currency FCY

GBP - Great Britain Pound GBP
GCCNET - Gulf Cooperation Council ATM Network GCCNET
LPO - Local Purchase Order LPO
N/A - Not Applicable N/A
NAPS - National ATM and POS Switch NAPS
PIN - Personal Identification Number PIN
QAR - Qatari Riyal QAR
SI - Standing Instruction SI
TMD - Term Deposit TMD
TT - Telegraphic Transfers TT
USD - US Dollars USD

This tariff is applicable to HSBC Branches in Qatar only. HSBC

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‫ ق ـ ـ ـ ـطـ ـ ــر‬- ‫ تعرفة الرسوم‬- ‫الخدمات المصرفية لألفراد‬
PERSONAL ACCOUNTS
Savings
QAR USD GBP
Minimum daily balance required for interest accrual 8,000 N/A N/A

Call Deposit account

QAR USD GBP
Minimum daily balance required for interest accrual N/A 7,500 7,500

Term Deposits
QAR USD GBP
Minimum opening balance required 50,000 20,000 10,000

International
International account opening QAR 700
(Charges debited in the currency of the account) Not applicable for employees of approved list of companies ‫ﻻ ﻳﻨﻄﺒﻖ ﺑﺎﻟﻨﺴﺒﺔ ﳌﻮﻇﻔﻲ اﻟﻘﺎﺋﻤﺔ اﳌﻌﺘﻤﺪة ﻟﻠﺸﺮﻛﺎت‬

Notes

a. No interest is paid on Savings, Call Deposit and TMD accounts, if the balance falls below the minimum required.
b. Standard cheque books are issued to current account holders only.
c. No cheque books are issued for FCY accounts; however, the accounts may be accessed through HSBC ATMs, using
a linked Debit card, to withdraw cash. Cash will be dispensed in local currency. HSBC
d. Interest is paid on Savings and Call Deposit accounts half-yearly at the end of June and December based on the daily
available balance in the account.
e. Interest on TMD accounts is paid on maturity.
f. TMD and Call Deposit accounts are available in most major currencies (details available on request).
g. TMD accounts uplifted before maturity will be charged a handling fee of QAR 50 and the accrued interest will not be
payable. This is not applicable to TMD funds transferred to an investment with HSBC. .HSBC
h. The Bank accepts funds for TMD accounts for fixed periods of 1, 3, 6, 12 months and more. Longer periods may be
available on request.

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‫ ق ـ ـ ـ ـطـ ـ ــر‬- ‫ تعرفة الرسوم‬- ‫الخدمات المصرفية لألفراد‬
DEBIT CARDS
Card replacement charges QAR 50
Re-issuance of PIN QAR 10
Card not collected over two months QAR 50
(Please note the card will be cancelled)

USAGE FEE
HSBC ATMs in Qatar
Cash withdrawal/deposit Free

Balance enquiry Free

Mini-statement (last 8 transactions) Free
Transfer within HSBC accounts Free
Other bank ATMs in Qatar (via NAPS) (NAPS

Cash withdrawal Free

Balance enquiry Free
ATMs in AGCC Member States*
Cash withdrawal QAR 6 per transaction
+ exchange rate
Balance enquiry QAR 3 per transaction
HSBC ATMs and CIRRUS/PLUS ATMs Internationally CIRRUS/PLUS
Cash withdrawal QAR 15 per transaction
+ exchange rate
Balance enquiry Free

Foreign Currency Transactions are converted into your billing 2.75 % ٪ ۲٫۷٥
currency by the card scheme (Visa or MasterCard®) or HSBC
using their applicable exchange rates on the day conversion is
made (which may involve a conversion to US Dollars or Hong
Kong Dollars first). In addition to this exchange rate
conversion, we charge a processing fee (as a percentage of
the transaction amount) as set out in our Tariff of Charges.

* Transactions at HSBC ATMs in AGCC member states are routed through the GCC Net ATM switch and
charged accordingly.

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ELECTRONIC BANKING SERVICE
PHONE BANKING
Registration Free
Re-issuance of Phone Banking PIN Free
Enquiries on account balances and transactions Free
Enquiries on Credit Card accounts & Air Miles Free
Ordering cheque books Normal cheque book
charges apply
Funds transfers
Between HSBC Qatar accounts Free
Local: Amount less than QAR 100 60 Dirhams
QAR 100 - QAR 1,000,000 QAR 4
More than QAR 1,000,000 QAR 6
International* QAR 15

PERSONAL INTERNET BANKING

Registration Free
Reset/replace password Free
Enquiries on account balances and transactions Free
Enquiries on Credit Card accounts & Air Miles Free
Ordering cheque books Normal cheque book
charges apply
Funds transfers
Between HSBC Qatar accounts Free
Local: Amount less than QAR 100 60 Dirhams
QAR 100 - QAR 1,000,000 QAR 4
More than QAR 1,000,000 QAR 6
International* QAR 15
Demand Draft QAR 25
Cashier Order QAR 10 .‫ ق‬.‫ ر‬۱۰

Set up/amend/cancel standing instructions Free

* Correspondent bank fee of QAR 91 will be applied if the remitter chooses to bear all charges.
Note: :‫ﻣﻠﺣوظﺔ‬
Funds transfer to a third party (i.e. other than one’s own accounts within HSBC Qatar) will require a third party ‫ ﻗطر( ﯾﺗطﻠب ﺗﺣدﯾد ﺣد ﻟﻠﺣواﻻت ﻷطراف أﺧرى ﻗﺑل اﻟﻘﯾﺎم‬HSBC ‫اﻟﺗﺣوﯾل ﻷطراف أﺧرى )أي ﺣﺳﺎﺑﺎت ﻏﯾر ﺣﺳﺎﺑﺎﺗك اﻟﺷﺧﺻﯾﺔ ﻟدى‬
limit to be set up prior to making any transaction via Phone Banking and Personal Internet Banking. In line with
‫ ﺗﻣﺎﺷﯾﺎ ً ﻣﻊ إﺟراءاﺗﻧﺎ اﻟﮭﺎدﻓﺔ ﻟزﯾﺎدة ﻣراﻗﺑﺔ‬،‫ﺑﺈﺟراء أي ﻣﻌﺎﻣﻠﺔ ﻣن ﺧﻼل اﻟﺧدﻣﺔ اﻟﻣﺻرﻓﯾﺔ اﻟﮭﺎﺗﻔﯾﺔ أو اﻟﺧدﻣﺔ اﻟﻣﺻرﻓﯾﺔ اﻟﺷﺧﺻﯾﺔ ﻋﺑر اﻹﻧﺗرﻧت‬
our increased fraud monitoring and security measures, we may choose to contact you regarding third party
transactions within 2 working days to confirm their authenticity. If we are unable to cont act you, we may ‫ وإذا‬،‫ﻋﻣﻠﯾﺎت اﻻﺣﺗﯾﺎل وﺗوﻓﯾر اﻟﻣزﯾد ﻣن اﻷﻣﺎن ﻓﺈﻧﻧﺎ ﻗد ﻧﺗﺻل ﺑك ﺣول اﻟﻣﻌﺎﻣﻼت اﻟﺗﻲ ﺗﺗم ﻣﻊ اﻟﻐﯾر وذﻟك ﺧﻼل ﯾوﻣﻲ ﻋﻣل ﻟﻠﺗﺄﻛد ﻣن ﺻﺣﺗﮭﺎ‬
choose to cancel such transactions. Neither the bank, nor its branches or officers are responsible for any loss, ‫ ﻟن ﯾﻛون اﻟﺑﻧك أو ﻓروﻋﮫ أو ﻣوظﻔﯾﮫ ﻣﺳؤوﻟﯾن ﻋن أي ﺧﺳﺎرة أو ﺗﺄﺧﯾر أو ﺳﮭو ﻧﺗﯾﺟﺔ‬.‫ﻟم ﻧﺗﻣﻛن ﻣن اﻟﻘﯾﺎم ﺑذﻟك ﻓﺈﻧﻧﺎ ﻗد ﻧﻠﺟﺄ إﻟﻰ إﻟﻐﺎء اﻟﻣﻌﺎﻣﻠﺔ‬
delay, error or omission as a result of such cancelled transactions. .‫ﻟﻣﺛل ھذه اﻟﻣﻌﺎﻣﻼت اﻟﺗﻲ ﯾﺗم إﻟﻐﺎؤھﺎ‬

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CHEQUES
Standard cheque books*
On account opening Free
Subsequent cheque book QAR 15 per cheque book

*No additional charges for dispatch by mail.

CHEQUES SENT FOR COLLECTION

Clearing Cheques (QAR)
Normal clearing cheques through Qatar Central Bank Free
clearing centre
Cheques payable at centres where Qatar Central Bank QAR 100 per cheque
clearing facility is not available (plus correspondent bank
charges, if any)
Post-dated cheques
Acceptance QAR 20 per cheque
Cancellation QAR 20 per cheque

Cheques Returned
Deposited in own account Free
Due to insufficient funds:
First instance QAR 100
Second instance QAR 150
Third instance and more QAR 300

Exceptionally approved cheque clearance QAR 100 per cheque

(Plus OD interest
charges, if any)

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‫ ق ـ ـ ـ ـطـ ـ ــر‬- ‫ تعرفة الرسوم‬- ‫الخدمات المصرفية لألفراد‬
CHEQUES SENT FOR COLLECTION
Special/High Clearing Cheques (QAR)
High Clearing (expected to clear within 1 hour) QAR 10 per cheque
Special Clearing (for amounts over QAR 250,000 expected to QAR 50 per cheque
clear within 30 minutes)

Stop Payments*
Cheque book QAR 100
Cheques QAR 25 per cheque
Cashiers Orders QAR 50 per instruction

*Stop payment instructions can only be accepted in accordance with legal requirements.

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FOREIGN CURRENCY CHEQUES
Collection of Foreign Currency Cheques*
If proceeds are paid in QAR Our prevailing TT buying
rate at date of notification
of receipt of funds and
QAR 50 postage charges,
plus correspondent
bank’s charges, if any
If proceeds are paid to customer’s FCY account USD 35 or (equivalent
in FCY) as commission
in lieu of exchange plus
correspondent bank’s
charges, if any

Purchase of Foreign Currency Cheques*

If proceeds are paid in QAR Our “on demand”
buying rate and QAR 50
postage charges, plus
correspondent bank’s
charges, if any
If proceeds are paid to customer’s FCY account USD 35 or (equivalent
in FCY) as commission
in lieu of exchange plus
correspondent bank’s
charges, if any

* Clearing Bank/Drawee Bank and postage charges, if any, will be from the account of the customer.

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‫ ق ـ ـ ـ ـطـ ـ ــر‬- ‫ تعرفة الرسوم‬- ‫الخدمات المصرفية لألفراد‬
TRANSFERS
Transfer within HSBC Qatar Free of charge
(Other than by Standing Instruction)

Mail Transfer Standard demand draft

charges, plus postage
charges

Standing Instructions
SI set up/amendment QAR 50 per instruction
(For automated date/transaction triggered SIs only)

Penalty fee for insufficient funds to meet a SI payment QAR 100 per breach
Balance (sweep) orders:
Set up charge QAR 50 per instruction
Amendment charge QAR 20 per instruction

INWARD REMITTANCES
In QAR
If paid in cash Free
If credited to the beneficiary’s account Free
with HSBC

If credited to the beneficiary’s account with other QAR 50

banks in Qatar

If paid in QAR at current buying rate for currency Free

concerned

If credited to own FCY account USD 20 (equivalent in FCY)

If credited in FCY to the beneficiary’s account with QAR 150 (equivalent in FCY)
other banks in Qatar

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‫ ق ـ ـ ـ ـطـ ـ ــر‬- ‫ تعرفة الرسوم‬- ‫الخدمات المصرفية لألفراد‬
INWARD REMITTANCES

Instructions sent on behalf of customers to remit

funds from HSBC Group offices
Messages sent by fax & courier QAR 100
Messages sent by telex & courier QAR 150

Notes:

a. Beneficiary of the remittance may be required to pay a charge depending on the conditions set by the remitter or his/her
bank.
b. Foreign currency notes are subject to availability. HSBC
c. As required by United States Regulations, all USD remittances are routed through HSBC Bank, USA and incur a USD
25/-processing fee.

OUTWARD REMITTANCES
TELEGRAPHIC TRANSFERS
All transfers within Qatar
Amount less than QAR 100 60 Dirhams
QAR 100 - QAR 1,000,000 QAR 4
More than QAR 1,000,000 QAR 6

All other transfers QAR 15

Recall of TT funds QAR 70
(plus correspondent
bank charges, if any)
TT investigation
Internal Free
Beneficiary bank QAR 70 (plus
correspondent bank
charges, if any)

DEMAND DRAFTS
Issuance QAR 25
Cancellation
With original returned QAR 50
When a telex is required to be sent QAR 75 (plus
correspondent bank
charges, if any)

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‫ ق ـ ـ ـ ـطـ ـ ــر‬- ‫ تعرفة الرسوم‬- ‫الخدمات المصرفية لألفراد‬
OUTWARD REMITTANCES
DEMAND DRAFTS
Stop payment QAR 100 (plus
correspondent bank
charges, if any)
Mail transfer Normal Demand
draft charges plus
postage charges

CASHIERS ORDER
Issuance QAR 10
Cancellation (with original returned) QAR 50
Stop payment QAR 50*
Postage charges QAR 25
Courier charges QAR 100

* Stop payment instructions can only be accepted in accordance with legal requirements.

Notes:

a. Beneficiary of the remittance may be required to pay a charge depending on the conditions set by the remitter or
beneficiary bank.
b. All out of pocket expenses and remitting/correspondent bank charges, if any, will be deducted from the proceeds of
the remittance by the correspondent bank and the paying bank (‘Beneficiary’ deduct); or correspondent bank fee of
QAR 91 will be applied if the remitter chooses to bear all charges in order for the full payment to reach the beneficiary
(charges ‘Ours’).
HSBC
c. All cross border payments must include the mandatory details as required by each country. Payments with
incomplete information can be returned or rejected (less a fee) by the receiving bank.
d. As required by United States Regulations, all USD remittances are routed through HSBC Bank, USA and incur a USD
25 processing fee.

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LOANS & OVERDRAFTS
PERSONAL LOANS
Interest rate charged Available upon request
Early settlement of loan*
Own sources (full/partial) 1% of amount paid
Paid by another bank 1% of total outstanding
facilities
Loan instalment increase/decrease QAR 50
Replace of loan guarantor QAR 100
Late payment fee QAR 140 per default
Instalment suppression fee QAR 50 per suppression
Interest charged on overdue loan instalments 3% over contract rate
Conversion from fixed rate loan to variable rate loan 1% of the outstanding
loan amount

VEHICLE FINANCE LOANS

Interest rate charged Available upon request
Early payment of loan*
Own sources (full/partial) 1% of amount paid
Paid by another bank 1% of total outstanding
facilities
Late payment fee QAR 140 per default
Interest rate charged on overdue instalment 3% over contract rate
Loan instalment increase/decrease QAR 50
Instalment suppression fee QAR 50 per suppression
Cancellation of loan after LPO is issued QAR 500

* Not applicable to facilities granted solely against salary

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LOANS & OVERDRAFTS
OVERDRAFTS
Interest rate charged Available on request
Interest rate charged on unauthorised overdraft 0.25% over the rate on
authorised overdraft
Overdraft Commission QAR 50 per month*
Increase in personal unsecured overdraft limit QAR 100 per request

Salary Advance
Available to Government & Semi-Government employees only QAR 200
against receipt of salary list.
* Subject to the maximum overdraft limit as defined under the Bank’s lending policy

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‫ ق ـ ـ ـ ـطـ ـ ــر‬- ‫ تعرفة الرسوم‬- ‫الخدمات المصرفية لألفراد‬
CREDIT CARDS ‫اﻟﺑطﺎﻗﺎت اﻻﺋﺗﻣﺎﻧﯾﺔ‬
Gold Platinum Cashback ‫اﻟﺑطﺎﻗﺔ اﻻﺋﺗﻣﺎﻧﯾﺔ‬ ‫ﺑطﺎﻗﺔ ﻓﯾزا‬ ‫ﺑطﺎﻗﺔ ﻓﯾزا‬
VISA Card VISA Card Credit Card ‫ﻟﻼﺳﺗرداد اﻟﻧﻘدي‬ ‫اﻟﺑﻼﺗﯾﻧﯾﺔ‬ ‫ﻛﺎرد اﻟذھﺑﯾﺔ‬
Annual fee QAR 300 QAR 450 QAR 250 .‫ق‬.‫ ر‬۲٥۰
Supplementary cards
With same limit Up to 2 Free Up to 2 Free Up to 2 Free
(QAR 150 3rd (QAR 225 3rd (QAR 125 3rd
card onwards) card onwards) card onwards)
With separate limit QAR 150 QAR 225 QAR 125
Monthly finance charge
Credit cards granted against salary* 1% 1% 1%
All other credit cards** 2.25% 1.9% 1.9%
Cash advance fee 4.5% of 4.5% of 4.5% of
total amount total amount total amount
(min QAR50) (min QAR50) (min QAR50)
plus finance plus finance plus finance
charge charge charge
Card replacement QAR 100 QAR 100 QAR 100
Non collection of Credit Card Free Free Free ً ‫ﻣﺟﺎﻧﺎ‬ ً ‫ﻣﺟﺎﻧﺎ‬ ً ‫ﻣﺟﺎﻧﺎ‬
Late payment QAR 150 QAR 150 QAR 150
Exceeding card limit QAR 150 QAR 150 QAR 150
Copy of sales voucher QAR 25 QAR 25 QAR 25
per voucher per voucher per voucher
Copy of Credit Card statement QAR 20 QAR 20 QAR 20
per month per month per month
Charges for each disputed transaction QAR 100 QAR 100 QAR 100
if the transaction is proven to be genuine
PIN replacement QAR 50 Free Free
Foreign Currency Transactions are converted into 2.6% 2.6% 2.6% ۲.٦ ۲.٦ ۲.٦
your billing currency by the card scheme (Visa or
MasterCard®) or HSBC using their applicable
exchange rates on the day conversion is made
(which may involve a conversion to US Dollars or
Hong Kong Dollars first). In addition to this
exchange rate conversion, we charge a
processing fee (as a percentage of the transaction
amount) as set out in our Tariff of Charges.

* A rate of 1% per month applies to credit card customers who transfer a monthly salary to HSBC with a valid salary HSBC
assignment letter and where the credit card limit is within 2 times the monthly salary received by HSBC HSBC

** A rate higher than 1% per month is applicable to all other credit card customers not meeting the conditions above

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CREDIT CARDS ‫اﻟﺑطﺎﻗﺎت اﻻﺋﺗﻣﺎﻧﯾﺔ‬
Cashback ‫اﻟﺑطﺎﻗﺔ اﻻﺋﺗﻣﺎﻧﯾﺔ‬ ‫ﺑطﺎﻗﺔ ﻓﯾزا‬ ‫ﺑطﺎﻗﺔ ﻓﯾزا‬
Credit Card ‫ﻟﻼﺳﺗرداد اﻟﻧﻘدي‬ ‫اﻟﺑﻼﺗﯾﻧﯾﺔ‬ ‫ﻛﺎرد اﻟذھﺑﯾﺔ‬

Access to HSBC current/savings accounts Free Free Free

through HSBC ATMs (within Qatar)

Access to HSBC current/savings accounts QAR 15 per QAR 15 per QAR 15 per
through HSBC ATMs (outside Qatar) transaction transaction transaction

Access to HSBC current/savings accounts QAR 15 per QAR 15 per QAR 15 per
through VISA/Master Card/Plus/Cirrus ATMs transaction transaction transaction

OTHER SERVICES
Statement of account
Regular statement Free
Extra statement copy QAR 10 per month up to
a period of 5 past years,
and QAR 20 per month for
earlier periods
Retrieval of documents issued by bank
(other than statements of accounts)
Up to 6 months old QAR 75 per record
Over 6 months old QAR 150 per record
Account balance/salary certificate QAR 20
Clearance letter QAR 20
Liability Letter QAR 20

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‫ ق ـ ـ ـ ـطـ ـ ــر‬- ‫ تعرفة الرسوم‬- ‫الخدمات المصرفية لألفراد‬
OTHER SERVICES
Foreign Currency notes deposit to a foreign 1% of amount deposited
currency account (select major currencies only, in foreign currency for
and subject to acceptability by the bank) amounts greater than the
equivalent of QAR
10,000/-

Foreign Currency notes withdrawals from a 1% of amount withdrawn

foreign currency account (select major currencies in foreign currency.
only and subject to availability at the bank) Minimum fee of QAR 25/-
equivalent in foreign
currency applies
Closure of an account (within 1 year of its opening) QAR 50
Monthly charge for inactive account QAR 10
(if amount is less than QAR 500)

Verification of signature on cheques QAR 10 per instruction

(for a max of 10 cheques per instruction)

Senior staff housing loan

Issue of letter QAR 20
Monthly instalment payments QAR 10 per payment
Transfer from one account to another to cover overdraft/cheque QAR 50

Charges for unpackaged facilities QAR 100

(in addition to standard charges)

Courier charges
Sending Cards to Group Offices QAR 150
Sending PINs to Group Offices QAR 50
Sending Cheque books within Qatar Free
Cash/cheque withdrawals over the counter up to QAR 1,000 QAR 10 per transaction
Emergency encashment QAR 75
Request copy of paid cheque

Up to 1 year QAR 10 per cheque

Over 1 year QAR 20 per cheque

Issued by HSBC Bank Middle East Limited, Qatar Branch, P O Box 57, Doha, Qatar, regulated by ‫ يخضع للتنظيم من‬،‫ قطر‬,‫ الدوحة‬57 .‫ ب‬.‫ ص‬،‫صدر عن بنك إتش إس بي سي الشرق األوسط المحدود فرع قطر‬
Qatar Central Bank and lead regulated by the Dubai Financial Services Authority. .‫قبل مصرف قطر المركزي ويخضع بشكل أساسي للوائح سلطة دبي للخدمات المالية‬
© Copyright. HSBC Bank Middle East Limited 2020 ALL RIGHTS RESERVED. No part of this
publication may be reproduced, stored in a retrieval system, or transmitted, on any form or by any ‫ ال يجوز استنساخ أي جزء من هذا‬.‫ جميع الحقوق محفوظة‬2020 ‫© بنك إتش إس بي سي الشرق األوسط المحدود‬
means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written ،‫التصوير‬،‫ ميكانيكية‬،‫ في أي شكل أو وسيلة إلكترونية‬،‫المنشور أو تخزينه في أي جهاز لخزن المعلومات أو تحويله‬
permission of HSBC Bank Middle East Limited. .‫ دون الحصول على إذن خطي مسبق من بنك إتش إس بي سي الشرق األوسط المحدود‬،‫ أو غير ذلك‬،‫التسجيل‬
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