COMPARISON BETWEEN LLOYDS AND HSBC BANK PRODUCTS AND SERVICES
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1 COMPARISON BETWEEN LLOYDS AND HSBC BANK PRODUCTS AND SERVICES
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3 This booklet is intended as a guide only and its contents should not be relied upon by customers. In the event of a conflict between this booklet and the applicable terms and conditions for each product detailed in this booklet, the applicable terms and conditions will prevail.
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5 Debit Cards Lloyds HSBC Personal Banking Visa Debit Cards HSBC Advance Visa Debit Cards HSBC Premier Visa Debit Cards DEBIT CARDS Product Issuance Linking Tariff Chip Debit Card Purchase Protection arranged through Arab Orient Insurance Issued for Current Accounts only Multiple accounts cannot be linked to the Debit Card Free cash withdrawal and balance enquiry at UAE Lloyds TSB, Emirates Islamic Bank, Emirates Bank International and NBD ATMs Fee for using an ATM outside the UAE - 2.5% of amount withdrawn Chip Debit Card Purchase Protection is not available Free cash withdrawal and balance enquiry at all HSBC UAE ATMs. UAE Switch ATMs: Cash withdrawals - AED 2 Balance enquiry - AED 1 Using GCCnet ATMs at GCC (including HSBC ATMs): Cash withdrawal - AED 6 Balance enquiry - AED 3 Chip and contactless (Visa paywave) Debit Card, Cardholders can save time by just waving their HSBC Debit Card in front of the paywave reader for small value purchases at select outlets. Complimentary Purchase Protection arranged through Visa International Issued for Savings and Current Accounts Up to two additional accounts can be linked to the Debit Card Free cash withdrawals and balance enquiries at all UAE Switch ATMs in UAE (including HSBC UAE ATMs) Free cash withdrawal and balance enquiry at GCC HSBC ATMs. GCCnet ATMs in GCC: Cash withdrawal - AED 6 Balance enquiry - AED 3 Free cash withdrawals and balance enquiry at GCCnet ATMs (including GCC HSBC ATMs) Cash withdrawal using HSBC ATMs globally (non-gccnet and non-uae Switch) - AED 10 Free cash withdrawals using HSBC ATMs globally Cash withdrawal using Visa/Plus ATMs globally - AED 20 Replacement lost or stolen card or PIN - AED 25 Replacement Card - AED 25 Generating PIN - No charges No charges for Replacement Card Generating PIN - No charges Please refer to for a complete list of tariffs on HSBC Debit Cards Phone Banking N/A PIN generation Not available as physical over Interactive PINs are generated. Voice Response 800 CARD PIN ( )
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7 Credit Cards Lloyds HSBC Products Visa Gold Visa Classic Premier MasterCard Advance MasterCard Visa Platinum Tariff Annual Fee Free for Life Free for Life Free for Life Free for Life AED 600 (reversible based on minimum yearly spend threshold) Finance charges on purchases* 2.24% p.m. 2.24% p.m. 2.25% p.m. 2.79% p.m. 2.99% p.m. Cash Interest* 2.50% p.m. (Minimum AED 25) 2.50% p.m. (Minimum AED 25) 2.25% p.m. 3% p.m. 3% p.m. Cash Advance Fee Flat AED 20 Flat AED 20 3% of total amount 3% of total amount 3% of total amount (Minimum AED 100) (Minimum AED 100) (Minimum AED 100) Late Payment Fee AED 200 AED 200 AED 100 AED 150 AED 150 Overlimit Fee AED 100 AED 100 Free AED 150 AED 150 Foreign Exchange Rate 2% 2% 2.75% 2.75% 2.60% Card Replacement Fee AED 25 AED 25 Free Free Free Copy of Card Transaction Slip AED 25 AED 25 Free AED 25 AED 25 Repayment Monthly Repayments Minimum 5% or AED 100; whichever is higher Minimum 5% or AED 100; whichever is higher Reward Programme N/A N/A 0% Instalment Plans Free Valet Parking Services Buy-1-Get-1-Free Offer at Vox Cinema Free Entertainer Booklet worth savings of up to AED 25,000 Minimum 5% or AED 100; whichever is higher Air Miles AED 1 Spend = 1.5 Air Miles Minimum 5% or AED 100; whichever is higher Air Miles AED 1 Spend = 1 Air Mile Minimum 5% or AED 100; whichever is higher Air Miles AED 1 Spend = 1 Air Mile N/A N/A Yes Yes Yes N/A N/A Yes Yes Yes N/A N/A Yes Yes Yes N/A N/A Yes Yes Yes CREDIT CARDS *The annual fees, finance charges and cash interest would be the same as charged by Lloyds if customers previously held a Lloyds Credit Card.
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9 Personal Loan Lloyds HSBC Product Premier, Advance and Personal Banking Arrangement Fee 1% of loan (minimum AED 500 maximum AED 2,500) 1% of loan (minimum AED 500 maximum AED 2,500) Early Settlement 1% of outstanding loan amount Interest Rates Starting 7.99% (Flat rate equiv 4.39%) Pricing should remain the same but any new loan will be subject to HSBC's offered rack rates Grace Period No grace period 3 days grace period is given Instalment Date Date chosen by the customer Specific dates for instalment deduction and deductions are also based on salary narration Repayment Scheme Interest rate calculation is based on 360 days Interest rate calculation is based on 365 days Late Payment 2% of the delayed amount 2% of the delayed amount (minimum AED 50 and maximum AED 200) Top-up Fee 1% of top-up amount (minimum AED 500 and maximum AED 2500) Partial Payment 1% of partial payment amount Loan Cancellation Fee AED 100 Liability Letter AED 100 No Liability Letter AED 100 Loan Rescheduling Fee AED 250 AED 250 Instalment Deferment Fee AED 100 (per deferment) AED 100 (per deferment) PERSONAL LOAN Overdrafts 15.75% Unauthorised borrowing rate payable on any unauthorised borrowing on a current account 2.00% per month
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11 Overdraft Lloyds HSBC Product Secured and Unsecured Overdraft Arrangement Fee 1% of loan (minimum AED 500 maximum AED 2,500) AED 200 Renewal Fee AED 200 Grace Period No grace period No grace period Instalment Date Repayment date is 26th of every month and overdue interest is deducted from the available limit Repayment Scheme Interest rate calculation is based on 360 days Interest rate calculation is based on 360 days Minimum and Maximum Amount Minimum AED 25,000 for Secured. Minimum AED 15,000 and Maximum AED 30,000 for Unsecured Maximum Tenure 1 year 1 year Pricing 15.75% p.a. Against Term Deposit Overdraft Limit < 500k = Secured Overdraft + 3% Overdraft Limit 500k = Secured Overdraft + 4% * Secured Overdraft is calculated every quarter and is set as the highest of the last 3 months COF charged to the business on Overdraft s % Lending Against Investments Overdraft Limit < 500k = IBO + 5% Overdraft Limit 500k = IBO + 6% * IBO is the one month EIBOR rate maintained by treasury. 90% of Term Deposit in AED 85% of Term Deposit in USD Premium Deposit Plus or HSBC Structured Notes in AED and capital guaranteed (90% for 12 months, 80% for 24 months and 70% for 36 months) Premium Deposit Plus or HSBC Structured Notes in USD and capital guaranteed (85% for 12 months, for rest please contact HSBC staff) Overdraft against salary (2 multiples of salary) with interest rate of 19% p.a., Minimum amount AED 10,000 and maximum AED 30,000. Minimum salary AED 7,500 Call Centre Number N/A Premier: Advance: Personal Banking: OVERDRAFT
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13 Vehicle Loan Lloyds HSBC Middle East Finance Company (MEFCO) Product PFS Vehicle Loan MEFCO Conventional Retail Tariff Arrangement Fee 1% of loan amount minimum AED 500, maximum AED 2,500 No change Change of SI date No charge No change Courier Charges N/A AED 30 Express Charges N/A AED 450 Instalment Deferment AED 100 No change Loan Rescheduling Fee AED 250 No change Loan Cancellation N/A AED 100 Liability Certificate N/A AED 100 Delayed payment Penal Interest 2% of the delayed amount AED 200 Post-dated Cheque Service N/A AED 250 Returned Cheque AED 100 No change Release of Repossession N/A AED 100 Stop Payment Per Instrument (Per Cheque) N/A AED 50 Statement Request N/A AED 25 Early Settlement 1% of remaining balance Advance Payment of Instalment 1% of advance payment Traffic Letters Service Charges N/A AED 250 Travel Permission Outside UAE N/A AED 300 Interest Rates Interest rates starting from 6.99% (reducing balance), Existing interest rate agreement with Lloyds will continue to be 3.83% fixed (flat rate equivalent) honoured post migrating to HSBC Interest Calculation Method 28-30/360 days 30/360 Repayment Scheme STL No change Instalment amount change N/A Minor change to instalment payable by customer due to change of repayment scheme Transfer of Vehicle loan to N/A MEFCO (and not HSBC Bank Middle East Limited) Call Centre Number Premier: Advance: Personal Banking: Location 1 Branch - Jumeirah, Opposite Safa Park 1 Customer Service Centre - Arabian Ranches Sheikh Zayed Road, after Mazaya Centre Timings 8:30am to 5:30pm, except Tuesday 9:30am to 5:30pm 8:00am to 3:00pm Website VEHICLE LOAN
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15 Customers with Lloyds Standard Rate mortgage loans will be converted to the HSBC Variable Rate loan. The HSBC mortgage Variable Rate is subject to revision at the Bank s discretion with a 30 day notice to the customer. Existing pricing on your Lloyds mortgage loans, as specified in your agreement/contract, will continue after migration to HSBC HSBC Home Loans have a 3% early settlement fee, applicable when transferring the loan to another bank. In case of settlement from own funds no fee is applicable* A life insurance, assigned to HSBC, is mandatory for all customers availing the home loan facility There is no fee for making overpayments, subject to a minimum amount of AED 25,000. Such additional payments can only be made on the monthly instalment date. Please note, once you make an overpayment, there will be no re-draws available against it in the future Interest calculation method at HSBC is at 30/360 basis, compared to Actual/360 basis at Lloyds. As a result you could see a nominal change in your monthly instalment amount There are no special rate loans and/or periods on HSBC home loans. At the time of migration no new requests for special rate periods will be accepted. Existing customers who are on special rate loans will continue till the end of period specified in their terms of agreement/contracts after which they will be moved to the non-discounted rate as specified in their contract. Early repayment charges during this period will continue to apply HSBC will provide on request, free of charge yearly statement of account, on the anniversary of your account opening date. MORTGAGE *Administrative charges will apply for loan closure.
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17 Accounts and Deposits Lloyds HSBC Product Local Currency Current Account Local Currency Current Account (Premier, Advance and Personal Banking) Account Opening Free Free Currency AED AED Conventional/Islamic Conventional Conventional Eligibility Criteria N/A Premier (does not apply to Premier International customers): a) Maintaining a total relationship balance of AED 350,000 or its equivalent in other currency, or b) Salary transfer of AED 50,000 (or its equivalent in other currency) or above for the first 12 months after which point (a) applies. Advance: a) Maintaining a total relationship balance of AED 100,000 or its equivalent in other currency, or b) Salary transfer of AED 15,000 or its equivalent in other currency. Fee if eligibility criteria (a) N/A and (b) is not maintained Premier: AED 200/month Advance: AED 100/month Personal Banking: N/A Minimum Balance Premier: N/A Advance: N/A AED 3000 Requirement Personal Banking: Average monthly balance of AED 3,000 Minimum Balance Penalty AED 25/month for Local Currency Accounts Premier: Nil Advance: Nil Personal Banking: AED 25/month Cheque Book Optional Optional Cheque Book Charges Premier: Free Advance: Free First cheque book is free. Additional AED Personal Banking: First cheque book is free. Additional AED 25 for each 25 leaves 25 for 25 leaves Cheque book cheque book. Teller Transactions Free Premier: Free Advance: Free Personal Banking: Six free transactions per month. Additional AED 10 per transaction Relationship Manager Yes Yes. For Premier customers only Interest Rate N/A N/A ACCOUNTS & DEPOSITS
18 Accounts and Deposits Lloyds HSBC Product Foreign Currency Current Account Foreign Currency Current Account (Premier, Advance and Personal Banking) Account Opening Free Currency USD, GBP, EUR and all other major currencies Conventional/Islamic Conventional Eligibility Criteria Premier (does not apply to Premier International customers): a) Maintaining a total relationship balance of AED 350,000 or its equivalent in other currency, or b) Salary transfer of AED 50,000 (or its equivalent in other currency) or above for the first 12 months after which point (a) applies. Advance: a) Maintaining a total relationship balance of AED 100,000 or its equivalent in other currency, or b) Salary transfer of AED 15,000 or its equivalent in other currency. Fee if eligibility criteria (a) and (b) is not N/A Premier: AED 200/month Advance: AED 100/month Personal Banking: N/A maintained Minimum Balance Requirement Premier: N/A Advance: N/A Personal Banking: USD/GBP/EUR 500 Minimum Balance Penalty Premier: Nil Advance: Nil Personal Banking: USD/GBP/EUR 5. Fee waived for first month for new accounts. Teller Transactions Premier: Free Advance: Free Personal Banking: Six free transactions per month. Additional AED 10 per transaction Relationship Manager Yes. For Premier customers only Interest Rate N/A
19 Accounts and Deposits Lloyds HSBC Product Call Account Call Deposit Account Account Opening Free Free Currency AED AED, USD, GBP, EUR and all other major currencies Conventional/Islamic Conventional Conventional Eligibility Criteria N/A Premier (does not apply to Premier International customers): a) Maintaining a total relationship balance of AED 350,000 or its equivalent in other currency, or b) Salary transfer of AED 50,000 (or its equivalent in other currency) or above for the first 12 months after which point (a) applies. Advance: a) Maintaining a total relationship balance of AED 100,000 or its equivalent in other currency, or b) Salary transfer of AED 15,000 or its equivalent in other currency. Fee if eligibility criteria (a) and (b) is not N/A Premier: AED 200/month Advance: AED 100/month Personal Banking: N/A maintained Minimum Balance Premier: N/A Advance: N/A AED 3,000 Requirement Personal Banking: AED 25,000 and USD/GBP/EUR 7,000 Minimum Balance Penalty AED 25/month for Local Currency Accounts No interest for the month Relationship Manager Yes Yes. For Premier customers only. Interest Calculation Method Daily cleared balance Daily cleared balance credited monthly to the account
20 Accounts and Deposits Lloyds HSBC Product Instant Savings Account Savings Account (Premier, Advance and Personal Banking) Account Opening Free Free Currency AED, GBP, EUR, USD AED, GBP, EUR, USD and all other major currencies Conventional/Islamic Conventional Conventional Eligibility Criteria N/A Premier (does not apply to Premier International customers): a) Maintaining a total relationship balance of AED 350,000 or its equivalent in other currency, or b) Salary transfer of AED 50,000 (or its equivalent in other currency) or above for the first 12 months after which point (a) applies. Advance: a) Maintaining a total relationship balance of AED 100,000 or its equivalent in other currency, or b) Salary transfer of AED 15,000 or its equivalent in other currency. Fee if eligibility criteria (a) and (b) is not maintained N/A Premier: AED 200/month Advance: AED 100/month Personal Banking: N/A Minimum Balance Premier: N/A Advance: N/A Nil Requirement Personal Banking: AED 3,000 and GBP/EUR/USD 500 Premier: N/A Advance: N/A Minimum Balance Penalty Nil Personal Banking: AED 25 and GBP/EUR/USD 5. Fee waived for first month for new accounts. Teller Transactions Free for AED Accounts Withdrawal of non-aed 0.75% (minimum AED 50) Premier: Free Advance: Free Personal Banking: Six free transactions per month. Additional AED 10 per transaction Relationship Manager Yes Yes. For Premier customers only Interest Calculation Method Minimum Balance Interest Rate Tiered Interest Rates Flat Interest Rate of 0.10% p.a. on AED Savings, 0.25% on USD, 0.10% on GBP and 0.01% on EUR
21 Accounts and Deposits Lloyds HSBC Product Instant Savings Account Call Deposit Account (Premier, Advance and Personal Banking) Account Opening Free Free Currency AED, GBP, EUR, USD AED, GBP, EUR, USD and all other major currencies Conventional/Islamic Conventional Conventional Eligibility Criteria N/A Premier (does not apply to Premier International customers): a) Maintaining a total relationship balance of AED 350,000 or its equivalent in other currency, or b) Salary transfer of AED 50,000 (or its equivalent in other currency) or above for the first 12 months after which point (a) applies. Advance: a) Maintaining a total relationship balance of AED 100,000 or its equivalent in other currency, or b) Salary transfer of AED 15,000 or its equivalent in other currency. Fee if eligibility criteria (a) and (b) is not maintained N/A Premier: AED 200/month Advance: AED 100/month Personal Banking: N/A Minimum Balance Requirement Nil Minimum Balance Penalty Nil No interest for the month. Premier: N/A Advance: N/A Personal Banking: AED 25,000 and GBP/EUR/USD 7,000 Teller Transactions Free for AED Accounts Withdrawal of non AED 0.75% N/A (minimum AED 50) Relationship Manager Yes Yes. For Premier customers only Interest Calculation Method Daily cleared balance credited monthly to the account Interest Rate Tiered Interest Rates AED and USD Call Deposit 0.025%, Euro Call Deposit 0.01%, GBP Call Deposit 0.25%
22 Accounts and Deposits Lloyds HSBC Product Bonus Saver Savings Account (Premier, Advance and Personal Banking) Account Opening Free Free Currency AED, GBP, EUR, USD AED, GBP, EUR, USD and all other major currencies Conventional/Islamic Conventional Conventional Eligibility Criteria N/A Premier (does not apply to Premier International customers): a) Maintaining a total relationship balance of AED 350,000 or its equivalent in other currency, or b) Salary transfer of AED 50,000 (or its equivalent in other currency) or above for the first 12 months after which point (a) applies. Advance: a) Maintaining a total relationship balance of AED 100,000 or its equivalent in other currency, or b) Salary transfer of AED 15,000 or its equivalent in other currency. Fee if eligibility criteria (a) and (b) is not maintained N/A Premier: AED 200/month Advance: AED 100/month Personal Banking: N/A Minimum Balance Requirement Nil Premier: N/A Advance: N/A Personal Banking: AED 3,000 and GBP/EUR/USD 500 Minimum Balance Penalty Nil Premier: N/A Advance: N/A Personal Banking: AED 25 and GBP/EUR/USD 5. Fee waived for first month for new accounts. Teller Transactions Premier: Free Advance: Free Free for AED Accounts Withdrawal of non-aed Personal Banking: Six free transactions per month. Additional AED 10 per 0.75% (minimum AED 50) transaction Relationship Manager Yes Yes. For Premier customers only Interest Calculation Method Minimum Balance Interest Rate* Tiered Interest Rates Flat Interest Rate of 0.10% p.a. on AED Savings, 0.25% on USD, 0.10% on GBP and 0.01% on EUR *We will honour the interest rates of Lloyds for the first 6 months. Thereafter the interest rates applicable on HSBC savings accounts will apply.
23 Accounts and Deposits Lloyds HSBC Product Bonus Saver Call Deposit Account (Premier, Advance and Personal Banking) Account Opening Free Free Currency AED, GBP, EUR, USD AED, GBP, EUR, USD and all other major currencies Conventional/Islamic Conventional Conventional Eligibility Criteria N/A Premier (does not apply to Premier International customers): a) Maintaining a total relationship balance of AED 350,000 or its equivalent in other currency, or b) Salary transfer of AED 50,000 (or its equivalent in other currency) or above for the first 12 months after which point (a) applies. Advance: a) Maintaining a total relationship balance of AED 100,000 or its equivalent in other currency, or b) Salary transfer of AED 15,000 or its equivalent in other currency. Fee if eligibility criteria (a) and (b) is not maintained N/A Premier: AED 200/month Advance: AED 100/month Personal Banking: N/A Minimum Balance Requirement Nil Premier: N/A Advance: N/A Personal Banking: AED 25,000 and GBP/EUR/USD 7,000 Minimum Balance Penalty Nil No interest for the month. Teller Transactions Free for AED Accounts Withdrawal of non-aed 0.75% (minimum AED 50) Relationship Manager Yes Yes. For Premier customers only Interest Calculation Method Daily cleared balance credited monthly to the account Interest Rate* Tiered Interest Rates AED & USD Call Deposit 0.025%, Euro Call Deposit 0.01%, GBP Call Deposit 0.25% ATM Locations No ATM cards are offered. Customers may use other account related services to facilitate their transaction needs such as Standing Instructions, Phone Banking, Personal Internet Banking and SMS services. N/A *We will honour the interest rates of Lloyds for the first 6 months. Thereafter the interest rates applicable on HSBC savings accounts will apply.
24 Accounts and Deposits Lloyds HSBC Product Fixed Term Deposit Limited Edition Fixed Term Deposits Term Deposit (Premier, Advance and Personal Banking) Sterling High Interest Fixed Deposit Account Account Opening Free Free Currency AED, GBP, EUR, USD AED, GBP, EUR, USD and all other major currencies Tenors From 1 week to 5 years 1, 2, 3, 4, 6, 9 and 12 months Conventional/Islamic Conventional Conventional Eligibility Criteria N/A Premier (does not apply to Premier International customers): a) Maintaining a total relationship balance of AED 350,000 or its equivalent in other currency, or b) Salary transfer of AED 50,000 (or its equivalent in other currency) or above for the first 12 months after which point (a) applies. Advance: a) Maintaining a total relationship balance of AED 100,000 or its equivalent in other currency, or b) Salary transfer of AED 15,000 or its equivalent in other currency. Fee if eligibility criteria (a) and (b) is not N/A Premier: AED 200/month Advance: AED 100/month Personal Banking: N/A maintained Account Opening Requirement Fixed Term Deposit: AED 10,000 Limited Edition Fixed Term Deposit: AED 100,000 AED 10,000 GBP/EUR/USD 5,000 Relationship Manager Yes Yes. For Premier customers only Interest Rates Tiered Interest Rates Indicative interest rates start from 0.3% to 1.8% depending upon the tenor and subject to change on daily basis. Interest Payment At Maturity At Maturity
25 Details Lloyds HSBC ATM Locations Visit for the locations Call Centre Number Premier: (within UAE) or (outside UAE) Advance: (within UAE) or (outside UAE) Personal Banking: (within UAE) or (outside UAE) Branches Location 1 Branch - Jumeirah, Opposite Safa Park 9 Branches and 10 Customer Service Centres. 1 Customer Service Centre - Arabian Ranches Visit for the locations Timings Branches: All UAE branches 8:00 am to 3:00 pm except 8:30am to 5:30pm, Jumeirah Branch: Saturdays to Thursdays 8:30-5:30 (9:00-5:30 on Tuesdays). except Tuesday 9:30am to 5:30pm Customer Service Centres: 8:00 am up to 10:00 pm Website Designated area in branches HSBC Premier has designated areas in the branches. Global View/Global Transfers Premier and Advance customers have access to Global View and Global Transfers. Premier customers can use Global Transfers for free. Advance customers are charged USD 7 per Global Transfer transaction. Charges for opening International accounts in other countries Premier: Free Advance: USD 100 Personal Banking: USD 200 Relationship Manager Only Premier customers would have a dedicated Premier relationship manager assigned to them. GENERAL INFORMATION
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28 Issued by HSBC Bank Middle East Limited, PO Box 66, Dubai, UAE. Regulated by the Jersey Financial Services Commission. CRN Copyright. HSBC Bank Middle East Limited ALL RIGHTS RESERVED. No part of this publication may be reproduced, stored in a retrieval system, or transmitted, on any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of HSBC Bank Middle East Limited.
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