HSBC, originally the Hong-kong and Shanghai Banking Corporation, is one of the biggest financial institutions globally.
Products range from personal and business bank accounts to loans, investments, credit cards and more.
But one question often asked is whether or not HSBC works with Zelle - the popular peer-to-peer payment app.
We will be diving into this, as well as sharing what options you have for sending and receiving money with your HSBC account.
Check out my Zelle Tutorial below to learn how to use Zelle!
Zelle, a popular digital payment network, facilitates easy, fast, and secure money transfers between individuals.
Whether it's splitting a dinner bill, sending money to a friend, or paying a family member, Zelle offers a convenient platform for these types of transactions.
The service can be accessed via the Zelle app or, for partnering banking institutions, through their mobile banking apps.
However, not all banks have a direct partnership with Zelle.
HSBC unfortunately does not directly integrate with Zelle.
That means you won't find an option to send and receive money using Zelle within the HSBC Mobile Banking app.
Zelle has a separate app - which allows you to link a Visa or MasterCard debit card.
As of April 1, 2025, Zelle has discontinued its standalone mobile app. Users can no longer send or receive money through the Zelle app. To continue using Zelle, you must enroll through a bank or credit union that offers Zelle integration within its mobile or online banking platforms.
Since HSBC does not currently support Zelle within its mobile or online banking platforms—and the standalone Zelle app has been discontinued—customers looking for fast and convenient ways to send or receive money will need to consider other options. Fortunately, there are several reliable alternatives:
HSBC offers a real-time payments feature that allows customers to send and receive funds almost instantly. This can be accessed through the HSBC Mobile Banking App or Online Banking. While not as widely recognized as Zelle, it provides a secure, bank-to-bank transfer method ideal for urgent transfers within supported networks.
PayPal remains a popular choice for both personal and business transactions. You can link your HSBC account or debit card to PayPal and send money to others using just their email address or phone number. Transfers to friends and family using a linked bank account or balance are typically free.
Owned by PayPal, Venmo is a mobile app designed for quick peer-to-peer transactions. Though it’s generally used for casual payments (like splitting bills or reimbursing friends), it offers a social and intuitive user experience. HSBC customers can link their debit card or bank account to fund transactions.
Cash App allows users to send, receive, and even invest money directly from their phones. Like Venmo, you can link your HSBC debit card or bank account to the app. Transfers between users are fast, and standard withdrawals to your bank are free (with instant transfers incurring a small fee).
For larger sums or more formal transactions, HSBC supports domestic and international wire transfers. While these may come with fees and processing times, they are secure and suitable for business-related or high-value payments.
