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Dual Currency Investment

Grow your wealth by identifying investment opportunities in the foreign currency market.The product is launched by HSBC Bank (China).

  • Dual Currency Investment is a non-capital protected structured financial product with floating returns. By linking to the performance of foreign exchange rates, it allows you the potential to earn a higher return, as well as meet your foreign currency investment needs.
  • Wealth management is not equal to deposit. Please be aware of the risks associated with the product and make prudent investment decisions.
  • No early redemption is allowed for this investment product.

HSBC Personal Internet Banking

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 HSBC Premier customers

400-820-8828

 HSBC Advance customers

400-820-8878

 Other customers

400-820-3090

Please dial China country code +86 if you are calling from overseas

Key benefits

Flexible investment tenor

Choose a suitable investment tenor, ranging from one week to two months, whatever suits your needs best.

Selection of currencies and conversion rates

Choose a currency pair - an investment currency and a linked currency. On the transaction date, choose your preferred conversion rate between the investment and linked currency, based on the exchange rate you agree to convert at maturity.

Different risk level options

Two product types, Basic and 80% Partial Capital Protected at Maturity. These provide different risk levels to meet your risk appetite and investment needs. You may receive your principal and higher yield (in investment currency) when you make a right decision on market change (i.e. the investment currency depreciates or slightly appreciates against the linked currency).

Find more about

This product may be suitable for investors who satisfy the following conditions (general individual client, high-net-worth client):

  • Your risk tolerance towards investment risk is 'balanced' or above
  • You are qualified with relevant experience in investment according to the overall evaluation result of tolerance towards investment risk
  • You have relevant knowledge and/or experience in structured investment products
  • You agree with the terms and conditions of this product and can afford the relevant investment risks

How the product works

You can choose a product structure, an investment currency (base currency), a linked currency, investment tenor and conversion rate (strike rate) with a minimum investment amount of USD 17,000 (or its equivalent in other currencies).

The bank observes the market rate at Fixing Time on Fixing Date (the Fixing Rate):

1. Dual Currency Investment (basic type):

  • If the investment currency depreciates or slightly appreciates against the linked currency, and does not exceed the conversion rate, your principal and investment return will be paid in the investment currency at maturity.
  • If the investment currency appreciates against the linked currency and exceeds the conversion rate, your principal and investment return will be converted to the linked currency at the conversion rate, and paid at maturity.

 

2. Dual Currency Investment (80% Partial Principal Protected at Maturity Type):

  • If the investment currency depreciates or slightly appreciates against the linked currency, and does not exceed the conversion rate, your principal and investment return will be paid in the investment currency at maturity.
  • If the investment currency appreciates against the linked currency and exceeds the conversion rate, but does not reach the guaranteed rate of the Partial Capital Protection at Maturity, your principal and investment return will be converted to the linked currency at the conversion rate and paid at maturity.
  • If the investment currency appreciates against the linked currency and equals or exceeds the guaranteed rate of Partial Capital Protection at Maturity, you will receive 80% of your principal invested, which will be paid in the investment currency at maturity.

Fee

It depends on the stipulation of the product contract.

You could also find detailed product information by the code on www.chinawealth.com.cn

The conversion rate will be updated each week.

An Enhanced Yield Investment Product is a structured financial product with floating returns. This product is 100% capital protected at maturity.

We offer services to meet all of your foreign exchange needs in a faster and more convenient way.

HSBC Structured Investment products are usually linked to financial assets such as equities, indices, foreign exchange rates or securities. The potential return of Structured Investment products is determined by the performance of the linked financial assets, product portofolio and detailed terms and conditions. Please note that the potential return of the Structured Investments is not a 100% reflection of the actual performance of the underlying assets. Product selection is designed to meet your investment goals and risk appetite, providing you with opportunities to earn potential returns and enhance your wealth potential.

An Overseas Investment Plan lets you invest in a diversified selection of funds and bonds managed by a team of leading fund managers. We help investors take advantage of global market opportunities, allowing you to diversify your risk and expand your global asset allocation.

In today’s fast-paced financial world, the only way to stay ahead is to be on top of current market events. Tap into our unique market insights and investment analysis to stay informed about the latest trends and regional news with just a few clicks.

This product may be suitable for investors who satisfy the following conditions (general individual client, high-net-worth client):

  • Your risk tolerance towards investment risk is 'balanced' or above
  • You are qualified with relevant experience in investment according to the overall evaluation result of tolerance towards investment risk
  • You have relevant knowledge and/or experience in structured investment products
  • You agree with the terms and conditions of this product and can afford the relevant investment risks

How the product works

You can choose a product structure, an investment currency (base currency), a linked currency, investment tenor and conversion rate (strike rate) with a minimum investment amount of USD 17,000 (or its equivalent in other currencies).

The bank observes the market rate at Fixing Time on Fixing Date (the Fixing Rate):

1. Dual Currency Investment (basic type):

  • If the investment currency depreciates or slightly appreciates against the linked currency, and does not exceed the conversion rate, your principal and investment return will be paid in the investment currency at maturity.
  • If the investment currency appreciates against the linked currency and exceeds the conversion rate, your principal and investment return will be converted to the linked currency at the conversion rate, and paid at maturity.

 

2. Dual Currency Investment (80% Partial Principal Protected at Maturity Type):

  • If the investment currency depreciates or slightly appreciates against the linked currency, and does not exceed the conversion rate, your principal and investment return will be paid in the investment currency at maturity.
  • If the investment currency appreciates against the linked currency and exceeds the conversion rate, but does not reach the guaranteed rate of the Partial Capital Protection at Maturity, your principal and investment return will be converted to the linked currency at the conversion rate and paid at maturity.
  • If the investment currency appreciates against the linked currency and equals or exceeds the guaranteed rate of Partial Capital Protection at Maturity, you will receive 80% of your principal invested, which will be paid in the investment currency at maturity.

Fee

It depends on the stipulation of the product contract.

You could also find detailed product information by the code on www.chinawealth.com.cn

The conversion rate will be updated each week.

An Enhanced Yield Investment Product is a structured financial product with floating returns. This product is 100% capital protected at maturity.

We offer services to meet all of your foreign exchange needs in a faster and more convenient way.

HSBC Structured Investment products are usually linked to financial assets such as equities, indices, foreign exchange rates or securities. The potential return of Structured Investment products is determined by the performance of the linked financial assets, product portofolio and detailed terms and conditions. Please note that the potential return of the Structured Investments is not a 100% reflection of the actual performance of the underlying assets. Product selection is designed to meet your investment goals and risk appetite, providing you with opportunities to earn potential returns and enhance your wealth potential.

An Overseas Investment Plan lets you invest in a diversified selection of funds and bonds managed by a team of leading fund managers. We help investors take advantage of global market opportunities, allowing you to diversify your risk and expand your global asset allocation.

In today’s fast-paced financial world, the only way to stay ahead is to be on top of current market events. Tap into our unique market insights and investment analysis to stay informed about the latest trends and regional news with just a few clicks.

How to invest

Visit any of our HSBC branches with your valid ID card and register for this service. You can also purchase Dual Currency Investment online.

Opening hours: Monday-Friday, 9:30am-4:30pm (some branches may provide limited weekend service)

This investment product is available for purchase all year round. The transaction date should be during one of the standard opening days of commercial banks in mainland China and Hong Kong, as well as the standard opening days of major banks in the foreign country issuing the currency you would like to invest (including Foreign Exchange and Foreign Currency Deposit).

You can purchase Dual Currency Investment basic products via HSBC Personal Internet Banking. You need to complete your first transaction at one of our branches before you can begin any online transaction.

Dual Currency Investment-Trading hours: Monday to Friday, 6am-7pm

This investment product is available for purchase all-year-round. The transaction date should be during one of the standard opening days of commercial banks in mainland China and Hong Kong, as well as the standard opening days of major banks in the foreign country issuing the currency you would like to invest (including Foreign Exchange and Foreign Currency Deposit).

Visit any of our HSBC branches with your valid ID card and register for this service. You can also purchase Dual Currency Investment online.

Opening hours: Monday-Friday, 9:30am-4:30pm (some branches may provide limited weekend service)

This investment product is available for purchase all year round. The transaction date should be during one of the standard opening days of commercial banks in mainland China and Hong Kong, as well as the standard opening days of major banks in the foreign country issuing the currency you would like to invest (including Foreign Exchange and Foreign Currency Deposit).

You can purchase Dual Currency Investment basic products via HSBC Personal Internet Banking. You need to complete your first transaction at one of our branches before you can begin any online transaction.

Dual Currency Investment-Trading hours: Monday to Friday, 6am-7pm

This investment product is available for purchase all-year-round. The transaction date should be during one of the standard opening days of commercial banks in mainland China and Hong Kong, as well as the standard opening days of major banks in the foreign country issuing the currency you would like to invest (including Foreign Exchange and Foreign Currency Deposit).

Frequently asked questions

There is no contractual value in this page and the information above is not and should not be regarded as an offer to sell or a solicitation for an offer to buy any financial product, and should not be considered as investment advice.

The above information is only a brief introduction of the product(s). If you are interested to know more about this product, please contact the Bank and carefully read the product description pack. In the event of any discrepancy, the terms and conditions associated with each product shall prevail.

Dural Currency Investment (“DCI”) is a non-capital protected investment product with floating returns involving high investment risks. You may suffer significant loss of principal due to market fluctuation. Dual Currency Investment is not deposit product. The Bank does not provide any guarantee or promise on principal protection or investment return of the product. Investors should fully understand the investment risks and act prudently in making the investment decision.

  • Return and Principal Risk: You must recognise the possibility of loss caused by exchange rate fluctuation. Such loss may offset the investment return earned on the investment and may even result in losses in the principal amount of the investment. If you choose Dual Currency Investment (Basic Type), under circumstance of extreme exchange rate fluctuation, the loss may even be the whole principal. If you choose Dual Currency Investment (Partial Capital  Protected at Maturity Type), under circumstance of extreme exchange rate fluctuation, you may have no investment return and be paid only 80% principal (i.e. lose 20% the principal invested).
  • No Early Redemption by Investors: You are not allowed to redeem all or part of the Dual Currency Investment prior to maturity (inclusive). Please ensure you have made adequate provision for emergency cash needs.
  • Foreign Exchange Risk: If the investment currency or the linked currency is not your base currency, and you choose to convert the investment proceeds back to your base currency at maturity, your returns could be affected negatively or positively due to exchange fluctuations. If you have to exchange from other currencies into the investment currency for the purpose of wealth management, there is also foreign exchange risk in this as well.

 

For futher risk information please refer to Product Subscription Pack.