Former Legal Disclosure Library - For Clients Migrated in 2024

To help make your transition to Royal Bank of Canada (RBC) easier, we’ve placed your former legal disclosures, terms and conditions, agreements and certificates of insurance in one spot.

Personal Banking

Choose from the options below and then filter on the type of product or service you wish to learn about.

Credit Cards

PDFs
PDF Links
HSBC Credit Card Cardholder Agreement
HSBC Credit Card Annual Fee Rebate
HSBC World Elite Mastercard^® Rates and Fees
HSBC +Rewards^TM Mastercard^® Rates and Fees
HSBC Metal World Elite^® Mastercard^® Rates and Fees
HSBC Travel Rewards Mastercard Rates and Fees
HSBC Cash Rewards Mastercard Rates and Fees
HSBC Premier World Elite Mastercard^® Rates and Fees
HSBC Premier World Mastercard Rates and Fees
HSBC Premier Mastercard^® Rates and Fees
HSBC Advance Mastercard^® Rates and Fees
HSBC Mastercard^® Rates and Fees
HSBC Gold Mastercard Rates and Fees
HSBC Finance Mastercard Rates and Fees
Low Rate Program Summary – HSBC Mastercard
HSBC Rewards Program Summary – HSBC Mastercard

Banking

PDFs
PDF Links
Personal Service Charges Statement of Disclosure
Personal Banking Agreement
Canada Deposit Insurance Corporation (CDIC) Abbreviated Brochure
Chequing Account Interest Rates
International Student Program (SDS) Terms & Conditions
Pre-departure Account Opening Terms & Conditions
Safety Deposit Box License Agreement Terms and Conditions – Personal
Safety Deposit Box License Agreement Terms and Conditions – Commercial
Hold Funds Policy

Savings

PDFs
PDF Links
Savings Account Interest Rates
Foreign Currency Interest Rates
Term deposit (TD)/Guaranteed Investment Certificate (GIC) Terms and Conditions
HSBC Registered Retirement Savings Plan (RRSP) Ascending Rate GIC Terms and Conditions
Additional Terms and Conditions for RRSP and Registered Retirement Income Fund (RRIF) Term Deposits

Credit Cards Insurance

PDFs
PDF Links
HSBC Metal World Elite^® Mastercard^® - Certificate of Insurance
HSBC Premier World Elite^® Mastercard^® – Certificate of Insurance
HSBC Premier World Mastercard^® – Certificate of Insurance
HSBC Premier Mastercard^® – Certificate of Insurance
HSBC Advance Mastercard^® – Certificate of Insurance
HSBC Mastercard^® – Certificate of Insurance
HSBC World Elite^® Mastercard^® – Certificate of Insurance
HSBC +Rewards™ Mastercard^®- Certificate of Insurance
HSBC Cash Rewards Mastercard^®- Certificate of Insurance
HSBC Travel Rewards Mastercard^®- Certificate of Insurance
HSBC Gold Mastercard^® – Certificate of Insurance
HSBC Metal World Elite Mastercard - Insurance Coverage Summary
HSBC World Elite Mastercard - Insurance Coverage Summary
HSBC Cash Rewards Mastercard - Insurance Coverage Summary
HSBC Travel Rewards Mastercard - Insurance Coverage Summary
HSBC +Rewards Mastercard - Insurance Coverage Summary

Investments

PDFs
PDF Links
Wealth Notification and Change of Control

Legal Disclaimer

HSBC Overseas Holdings (UK) has transferred the ownership of its Canadian banking business to Royal Bank of Canada with effect from March 28, 2024. The HSBC trade mark(s) and all similar trademarks and derivations thereof are used temporarily under licence by HSBC Overseas Holdings (UK) Limited to Royal Bank of Canada and related group entities.