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	Important changes coming in December More visibility for 'Account Information' service Changes to HSBCnet Website Terms and Conditions Eurozone requirements for SEPA End Date Regulation Customers with accounts in the UAE: Payment Purpose reminder IBAN required for payments on Qatar accounts effective 31 December Conversion to Euro as legal tender in Latvia Reminder to customers with accounts in Italy: transaction entitlement requirements HSBCnet User Tip: Minimise errors by using "Search" to identify Beneficiary bank details Holiday Fraud Watch Information on HSBCnet service interruptions
	Important changes coming in December Several new enhancements will be introduced to HSBCnet over the weekend of 7/8 December delivering more convenience to your banking experience. Included are changes that will help to streamline and automate payment processes. In some instances new mandatory fields are being introduced to capture essential information so be sure to read on to determine how your use of HSBCnet will be improved. Read about these enhancements
	More visibility for 'Account Information' service ‘Account Information’, now available under the ‘Accounts’ tab allows you to enquire on your account balances and statements, while also featuring a rich user experience that includes: organised and intuitive navigation; a fast interface; streamlined formatting for exporting balances and statements. Effective 14 December, ‘Account Information’ will become visible on your My HSBCnet home screen for easy access, if it is not already available there. Users with Balance and Transaction Reporting  For those users who have been using the Balance and Transaction Reporting service to receive information on their accounts, please note that eventually ‘Account Information’ will replace Balance and Transaction Reporting. However, the two services will be available in parallel for those currently using Balance and Transaction Reporting until further notice. To provide a smooth transition, all information within 'Account Information' can be found in the same way you’re used to in Balance and Transaction Reporting. For further assistance, please refer to the following resources: Account Information Frequently Asked Questions Account Information vs. Balance Transaction Reporting Quick Guide An Account Information Training Video is also available in the HSBCnet Help Centre. Example of Account Information on HSBCnet Personal page as of 14 December: (click image to enlarge)
	Changes to HSBCnet Website Terms and Conditions As you may be aware, there has been a recent change to the UK banking regulator, where the FSA (Financial Services Authority) has been replaced by two separate regulatory authorities (FCA - Financial Conduct Authority and PRA - Prudential Regulation Authority). As a result, all FSA references within the HSBCnet Website Terms and Conditions will be updated and replaced to reflect the new regulatory authorities, FCA and PRA in December.
	Customers with accounts in the Eurozone: requirements for SEPA End Date Regulation Passed in March 2012, European Union Regulation No. 260/2012, also referred to as the SEPA End Date Regulation (EDR), established the mandatory deadline by which legacy Euro ACH transactions within the Eurozone must be migrated to SEPA schemes. The deadline is 1 February, 2014. This means that domestic and cross-border Euro transactions, where both the Payer’s and the Beneficiary’s bank accounts are located within the Eurozone, will have to be SEPA compliant by this date. For more information on SEPA End Date Regulation requirements and the changes coming to HSBCnet to facilitate the transition to SEPA, select the ‘Read more’ button below.  Read more
	Customers with accounts in the United Arab Emirates: Reminder regarding Payment Purpose code requirements for UAE Domestic and ACH Payments The electronic funds transfer system provided by the Central Bank of UAE (UAEFTS) expedites payment and returns processing times for domestic electronic payments. As part of this service, the UAE Central Bank regulations mandate that a payment purpose code is provided for instructions debiting UAE domiciled accounts. As a reminder, the inclusion of a code referencing the purpose of payment to the beneficiary account is required for all UAE domestic payments (where both the debit and credit account is in the UAE) and ACH payments. Payment instructions submitted through HSBCnet without a valid Payment Purpose code may be rejected, delayed, or incur additional charges. Salaries processed via Wages Protection System (WPS) do not require a Payment Purpose code. Please note: when completing the Regulatory reporting section of payment instructions screens, ensure the SWIFT code ‘/BENEFRES/’ is selected from the first dropdown menu to minimise processing errors. For more information on Payment Purpose codes, please review the “Purpose of Payment: UAE Regulatory Reporting” User Guide available in the HSBCnet Help Centre or contact your local HSBCnet Support Centre.
	IBAN required for Qatar account payments effective 31 December In compliance with the Qatar Central Bank, effective 31 December, 2013, all banks in Qatar are required to accept and process payment instructions with a valid International Bank Account Number (IBAN).  What is IBAN? IBAN is an international standard for identifying bank accounts. The main purpose of IBAN is to facilitate the automated processing of money transfers to promote straight through processing of all payment transactions.  Applying the IBAN You will be required to provide an IBAN for all instructions for value date on or after 31 December 2013, when making domestic payments from, or receiving payments to accounts in Qatar. In case the IBAN is not used, the processing of both inward and outward payments to/from Qatar accounts is likely to be delayed or even rejected and you may incur additional processing charges.  If you have an account in Qatar, please ensure that the IBAN is communicated to all parties from whom you are expecting a remittance. Additionally, you will need to amend any standing orders for payments to beneficiary accounts held in banks within Qatar other than HSBC by providing the IBAN equivalent for the beneficiary account. Please note, all HSBC payment / instruction submission channels have been enhanced to accept IBAN.  Generating your IBAN You can generate your IBAN by selecting the following link and inputting your 12 digit HSBC account number.   Generate your Qatar account IBAN here > Please note that this generator is applicable only for HSBC account numbers in Qatar. For further information regarding IBAN, visit http://www.hsbc.com.qa/1/2/qa/business. You may also contact your HSBC representative or your local HSBCnet Helpdesk (+974 4 4254353 for customers located in Qatar).
	Customers with Latvian accounts: conversion to Euro as legal tender Effective 1 January, 2014, Latvia will convert to using the Euro (EUR) as legal tender and the Latvian Lats (LVL) will no longer be accepted or accessible through HSBCnet.  Required action: In preparation for this change, all LVL accounts will need to be closed and/or funds transferred to an existing or new EUR account. A fixed exchange rate of EUR 1 = LVL 0.702804 has been established to facilitate settling any outstanding credits or debits. Please use this exchange rate to complete the following actions as appropriate for your situation:  a) Open a new EUR account and close your current LVL account; b) Simply close your LVL account if an existing EUR account is available for future use or if a replacement account is not required. Before closing your LVL account: LVL accounts with a credit balance: please transfer the credit to an existing EUR account using the above fixed exchange rate; LVL accounts with outstanding debit balance: please repay the outstanding balance using the above fixed exchange rate; For LVL accounts zero balance: no further action is required before closing. Please note that as of 1 January there will be no access to conduct transactions through LVL accounts and as such, any payment templates must be recreated through existing or new EUR accounts.  For more information please view our Frequently Asked Questions. If you need additional support with regards to this change or require assistance with the actions outlined above please contact your HSBC representative.
	Reminder for customers authorising payments through HSBCnet on HSBC accounts in Italy: new transaction entitlement requirements As a reminder, in order to comply with Italian Anti-Money Laundering legislation and regulations, user entitled to authorise payments on HSBC accounts in Italy (via HSBCnet) were required to provide the documents listed below to your usual Client Service Manager or Relationship Manager in Italy by 1 October, 2013.  Required documents: Proof of Identity (PI) of each HSBCnet User on accounts in Italy Copy of valid User's Passport or Identity Card   Original of the identification form (select link below) duly signed by the User, countersigned by a representative of the Customer already identified by HSBC, and countersigned by an HSBC representative. Identification form   Privacy letter (select link below) duly signed by the User. Disclosure of Personal Information Consent form For those users from whom we have not yet received the required documentation, authorisation rights on HSBC accounts in Italy (via HSBCnet) will be removed on 1 December (until proper documentation is received and verified). If you have not already submitted your documents, please speak with your usual Client Service Manager or Relationship Manager in Italy to make arrangements to do so, immediately. For further clarification concerning the necessary forms, signatures and countersignatures required you may also contact our dedicated Team at the following email address: italy.enquiry.team@hsbc.com.
	HSBCnet User Tip: Minimise errors by using "Search" to identify Beneficiary bank details When creating a payment please use the “Search” facility to locate and populate the “bank name” and “bank address” fields under the Beneficiary bank details section. Using the “Search” facility to automatically populate the required fields ensures that only valid information, recognisable by HSBCnet systems (e.g. BIC code) is retrieved and entered. Manual entries (typing in the beneficiary bank name and address using free text) can often trigger processing errors in the backend causing delays or making it necessary to repair the instruction. How to use the “Search” facility: 1.) (click image to enlarge) 2.) (click image to enlarge) 3.) (click image to enlarge)
	Holiday Fraud Watch During the coming holiday season, it is possible that fraudulent activity across electronic bank delivery channels such as HSBCnet will increase as online criminals attempt to exploit extended holiday periods within corporations and their banks. During this time, please be extra vigilant in your online activity to ensure that you remain protected. If you experience one or more of the following events and consider that a fraudulent attack may be underway, please contact your local HSBCnet support team immediately via the Customer Support link in the HSBCnet logon box. When logging in to HSBCnet, you are presented with a message saying that HSBCnet is unavailable AFTER you have entered your username and security credentials. Alternately, the error message might give a set time that HSBCnet will return e.g 15 minutes. You are presented with a security check/verification screen that requires you to wait for 1-10 minutes. You are prompted repeatedly to re-enter your username, password or security code. You are asked to enter beneficiary account information that you don't recognise and does not relate back to an invoice. You are presented with an error message referring to a 'synchronisation' problem asking you to enter the code generated by your Security Device. You see any screens that you think are unusual or are missing information. For further information on how to protect yourself from fraudulent attacks, please click on the Security Alerts and Tips link in the HSBCnet logon box.
	Information on HSBCnet service interruptions Below is a calendar of our planned maintenance windows for the next three months during which there will either be a full HSBCnet maintenance period or File Upload capability only maintenance period to accommodate maintenance work.* At times it is necessary to schedule non-regular maintenance windows to perform special types of maintenance. Notification of both planned and unplanned maintenance periods will also be posted to the HSBCnet Important Information section. Full maintenance window begins Full maintenance window ends Saturday, 7 December 2013 at 14:00 GMT Sunday, 8 December 2013 at 04:00 GMT Saturday, 14 December 2013 at 15:00 GMT Sunday, 15 December 2013 at 03:00 GMT File upload maintenance window begins** File upload maintenance window ends** Saturday, 30 November 2013 at 15:00 GMT Sunday, 1 December 2013 at Midnight GMT *Maintenance window dates, beginnings and ends may be subject to change (with notice) to accommodate maintenance requirements. ** For the duration of File upload maintenance window, the following services will be visible but not accessible: Internet Trade Services, image retrieval service and access to Russian Internet Banking through HSBCnet. Attempting to access these services will produce an error message until the maintenance window ends.
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