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Internet Banking
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Personal Internet Banking
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As an HSBC customer, you have the freedom to bank with us when and where you choose. We have a complete range of channels available to suit all your preferences.
Whether you choose the Phone, the Internet, the ATM network, the Branch Network or a combination of these to do your banking with us, we are always accessible to you and ready to serve you 24 hours a day, 7 days a week. Furthermore, our Direct Sales Team is available to visit you at your chosen location. Please E-mail us for more information.
What's in this Personal Internet Banking guide?
The following User Guide gives you an overview of HSBC Bank Middle East Limited(Oman) Personal Internet Banking service.
Introduction
Personal Internet Banking lets you bank online wherever you have access to the Internet when and where it suits you. Whether you are at home or work, Personal Internet Banking gives you the power to choose when you access your HSBC accounts, 24 hours a day, 7 days a week.
With Personal Internet Banking you can:
- View account and Credit Card balances
- View account transactions
- Transfer money between your accounts or to any other accounts worldwide
- Create and view transfer template details
- Pay your Credit Card(s) from HSBC
- Pay your utility bills (water, electricity, telephone and internet bill payment)
- Open Term Deposits or change existing maturity instructions
- Update personal details
- Online Credit Card request
- Change your password
Frequently Asked Questions provide general information about HSBC Personal Internet Banking service. A help option on every screen gives you all the information you need to use the service.
For general and technical assistance, please call our Personal Internet Banking Help Desk through our Phone Banking service on 800 70 300 or + 968 24788424 (outside Oman) or write to us at:
HSBC Bank Middle East Limited
Personal Financial Services
Personal Internet Banking Service
P.O. Box 240
P C 112
Sultanate of Oman
What do I need to access the service?
The minimum system requirements for customers wishing to use the Personal Internet Banking service via a PC is as follows:
- Netscape Communicator Version 4.72 or higher - excluding Version 6.x (currently not supported) - with the following features:
- Third-party plug-in extensions
- Secure Socket Layer
or
Microsoft Internet Explorer Version 5.0 or higher
- 486/66 Processor
- 12 MB memory (24Mb for NT)
- 50 MB free disk space
- Windows 95, 98 or NT 4.0 (with Service Pack 4)
- 128-bit Encryption is required
The minimum system requirements for customers wishing to use the Personal Internet Banking service via an Apple Mac is as follows:
- Microsoft Internet Explorer version 4.5
or
- Netscape version 4.0 or higher - excluding Version 6.x (currently not supported)
- PowerPC 68030 processor
- 8 MB memory
- 9.1 - 36.6 MB free disk space (depends on installation configuration)
- MacOS v7.1
- 128-bit Encryption is required.
If you experience any problems accessing our service, further guidance and advice can be obtained by contacting our Personal Internet Banking Help Desk through the Phone Banking service on 800 7 4722 or + 971 4 2274310 (Outside Oman)
How do I register for the Personal Internet Banking service?
To register for the service, please click on the "Register Now" button on the website.
You will have to key in your Personal Banking Number (PBN) and Phone Banking PIN. You will also have to create a six character Password (letters or numbers only, or a combination of both) of your choice and confirm. This Password will have to be used along with your PBN to access Personal Internet Banking for all future logons.
Please contact your branch for the PBN. In case of new customers, the PBN will be provided at the time of opening the account.
You will then be presented with the 'Terms and Conditions' for Personal Internet Banking. After you accept the 'Terms and Conditions' you will be shown the list of all your accounts held with the Bank, which are linked to your customer number. At this stage, you may choose to unmark one or more of your accounts from this service. When you confirm your acceptance of the list by clicking on 'Confirm', you are presented with a 'Welcome' screen for Personal Internet Banking. You can now logon to access your Bank Accounts.
Note: You can view our Terms and Conditions online and print a copy, if required, by clicking on the 'Print' option on your browser.
Using Personal Internet Banking
Accounts
Under the 'Accounts' icon, you can view the accounts that you hold with the Bank. By clicking on the account number, details relevant to the account will be displayed. By clicking on the balance against each account, transaction details can be viewed.
Transfers
You can:
- Transfer money between your accounts or to any other accounts worldwide
- Pay your Credit Card Account(s)
The transfers made to beneficiary accounts can be set up at a specified future date or set up as recurring transfers.
Note: When you use Personal Internet Banking, there is a daily limit to the amount of money you can transact. Details of the daily limits can be found using the 'Help' icon on the grey navigator tool bar to the left of the screen. Cut Off Times for specific currencies are also available on the navigator tool bar.
To learn more about the daily Third Party Funds Transfer Limit, click here.
Pay Utility Bills
You can pay your telephone, internet, water and electricity bills (Utility Bill Payment) from your Savings or Current Account(s).
Term Deposit You can open Term Deposits online, change existing maturity instructions or enquire about HSBC Term Deposit interest rates.
Read Messages You can read messages that HSBC Bank Middle East Limited (Oman) has sent you.
Update Personal Details You fill out the Update Personal Details form to advise us of a change of address or any other personal details. Please note this will change your main record for all your accounts with us.
Online Credit Card Request You can request a Visa or MasterCard Credit Card by filling out the 'Online Credit Card Request' form in the 'Online Services' section
Security
Security is our top priority. Your Personal Banking Number and Password protect your financial information. Your Personal Banking Number (PBN) and Personal Internet Banking Password together uniquely identify you and help safeguard against your bank details being accessed by anybody but you (provided you follow our security procedures).
Costs
The service is free. Online time is charged in accordance with your Internet Service Provider's tariff. For Transaction costs please see the Fees and Charges section from the HSBC Bank Middle East Limited (Oman) website or from the Personal Internet Banking site.
Frequently Asked Questions
Frequently asked Questions for Personal Internet Banking are listed below.
Please click on the required item for detailed information.
Online Security - Frequently Asked Questions
Click the 'plus' symbol or text for more information.
Click the 'minus' symbol or text for more information.
How am I protected against fraud?You are fully protected against third party fraud when you use Internet Banking from HSBC. You will not suffer any loss if money is taken from your account without your permission provided you have not acted fraudulently or negligently.
Security is our top priority. We have equipped our Internet Banking Service with industry standard security technology and practices to ensure that our customers are fully protected against third party fraud.
- You are uniquely identified by your Electronic/ Personal Banking Number and Internet Banking password every time you bank online.
- Your financial information is protected by Secure Socket Layer (SSL) 128-bit encryption, the most secure form available commercially
- If you forget to log off after banking online, we activate an automatic 'time-out' after a period of inactivity to prevent unauthorised access.
- The pages you have viewed during your banking session expire to prevent the pages from being stored in your browser, ensuring that no one can access these pages and your financial information.
- We also track the number of logon attempts. Should we find three consecutive incorrect passwords have been attempted, we will immediately disable online access and customers will need to contact us again to re-establish the access.
We need your active participation in online security. You have an important role to play, in ensuring that you are careful with your Electronic/ Personal Banking Number and Internet Banking password, that your computer and software are protected and you are careful while online.
Protect your Electronic/ Personal Banking Number and Internet Banking Password. Keep your Electronic/ Personal Banking Number and Internet Banking Password secret and hard to guess.
Your Electronic/ Personal Banking Number and Internet Banking Password are your keys to access Internet Banking from HSBC. Only the right combination of these allows you access
- Use a combination of numbers, upper and lower case letters, eg. ha6N3Rw2.
- Avoid using the same details that you use to access other online services such as email or electronic chat.
- Avoid obvious terms that others might guess, like names, birthdays or telephone numbers.
- Change your password regularly. If you want to change your Internet Banking password to make it less obvious you can do so online at your own convenience.
Do not reveal your Internet Banking password to anyone or write it down.
You should be the only one who knows your Internet Banking password. Never give it to anyone. No one at HSBC will ever ask you to tell them your Internet Banking password, ensuring it remains private and confidential to you. Know everyone who uses your computer and limit unauthorised access.
Protect your computer
Your computer and software may be vulnerable to viruses and hackers.
- Install a personal firewall on your computer.
Personal firewall software is designed to prevent hackers from accessing the computer it is installed on. Installing a personal firewall is recommended especially if you are using a broadband connection. When installing such software, follow the manufacturer's recommendations for a 'conservative' access control.
- Install and regularly update virus detection software
Virus detection software scans your computer and your incoming emails for viruses and then deletes them. You can download anti-virus software from the websites of software companies or buy it in retail stores. To be effective, anti-virus software must be updated routinely. As a matter of precaution avoid opening any emails with attachments that you are not expecting, even if they are from known people.
- Download and apply security updates and patches to the PC/browser when they are made available
Always download updates to ensure you have the latest protection
Protect yourself when you use the Internet and bank online
- Do not access Internet Banking from public places or from shared computers such as those in cyber cafes. You never know what malicious programs might be installed on the PC you use there.
- Always exit using the 'Logoff' button to ensure you end each Internet Banking session securely.
- When you've finished using the Internet, always disconnect. Avoid leaving your connection on, especially with broadband access, unless you're actively using it.
- Always check the date and time of your last visit to the Internet Banking page on the HSBC website (we track it at all times and display it on the Welcome Page). If you suspect anything unusual, please contact us on 800 7 4722 immediately.
- Do not leave an Internet Banking session unattended at any time.
- When you log on to a Internet Banking session, ensure that no browser windows with access to other websites are open. This will protect your computer from the possible harm by being exposed to other websites while you are doing banking transactions and can help to ensure your financial information is protected and blocked from unauthorised access via another website.
- Do not install pirated software or software from unknown sources.
- Reconfirm the HSBC website. Always verify that the website you are visiting is genuine. Double click the 'lock' icon at the bottom of the screen to check the security certificate of HSBC.
- Know everyone who uses your computer and create passwords to limit unauthorised access. It's good practice to create passwords to protect your computer and to know everyone who uses it to avoid others from planting harmful and malicious programs in your computer.
- Disable the 'AutoComplete' function. Your computer may be used by others, in order to protect you from unauthorised access to your accounts through your computer, disable the 'AutoComplete' function to prevent others from making banking transactions without your knowledge. 'AutoComplete' on Internet Explorer, for example, remembers data you have input including your passwords for frequently used sites.
You can disable the 'AutoComplete' function in Internet Explorer as follows:
- Click 'Tools' from the menu bar and select 'Internet Options'
- From the tabs at the top of the window, select 'Content'
- Click the 'AutoComplete' button
- If 'User names and passwords on forms' is checked, click on the box to uncheck it
- Click 'OK'
- Disable the 'File and Printer Sharing' feature of your operating system. If you are part of a computer network, it's important to stop sharing files and printers with other people to prevent anyone on the Internet from browsing and deleting files from your computer.
For Windows 2000, you may disable access to your files and printer as follows:
- Click on 'Start', click on 'Settings', then click on 'Control Panels'. This will bring up the Control Panels folder.
- Double click 'Network and Dial-up Connections'
- Right-click on 'Local Area Connection' and left-click on 'Properties'.
- Uncheck 'File and Printer Sharing for Microsoft Networks' and click 'OK'.
For Windows 95/98, you may disable access to your files and printer as follows:
- Go to the Control Panel from the Start bar on your computer
- Click on 'Network'
- Click on 'File and Print Sharing'
- Uncheck both the options and Click 'OK'
Depending upon the browser you are using you can check whether 128-bit SSL is being used in the following ways:
For Microsoft Internet Explorer:
- Move your mouse over the 'security lock icon' at the bottom-right corner. A tool-tip of "SSL secured (128-bit)" should pop up if you are connected using 128 Bit SSL; OR
- From the 'File' menu in the toolbar, select 'Properties'. "Connection" with "SSL 3.0, RC4 with 128-bit encryption (High); RSA with 1024 bit exchange" is shown if you are connected using 128 Bit SSL.
For Netscape Navigator:
- Click 'Security' in the toolbar. A 'Security Info' window will be displayed. Click 'Open page info'. The message displayed should be: "This is a secure document that uses a high-grade encryption key for US domestic use only (RC4, 128-bit)"
- If you find that 128-bit encryption is NOT being used in the Netscape Navigator browser, you should configure the settings in the browser to ensure 128-bit encryption.
This can be done as follows:
- Click 'Security' in the toolbar
- Click 'Navigator' in the left column
- Click 'Configure SSL v3' on the right of 'Enable SSL (Secure Sockets Layer) v3'
- Enable all ciphers except 'No encryption with an MD5 MAC'.
For Microsoft Internet Explorer, you may check the validity of the certificate as follows:
- Click the 'security lock icon' at the bottom right corner (enable status bar if it cannot be seen)
- Check that the certificate information is displayed with: Issued to = www.ebank.oman.hsbc.com
Issued by = www.verisign.com/CPS Incorp by Ref. LIABILITY LTD.(c)97 VeriSign Valid from = '....' is a valid date
For Netscape Navigator, you may check the validity of the certificate as follows:
- Press 'Security' in the toolbar
- In 'Security Info', press 'View Certificate'
- Check that the certificate information is displayed with www.ebank.oman.hsbc.com
This Certificate belongs to: www.ebank.oman.hsbc.com
Member, VeriSign Trust Network
Authenticated by British Telecommunications plc
Terms of use at www.Verisign.com/rpa (c)00
HSBC Holdings Plc, Sheffield, South Yorkshire, GB
This Certificate was issued by:
www.verisign.com/CPS Incorp.by
Ref. LIABILITY LTD.(C)97
VeriSign VeriSign International Server CA -
Class 3
VeriSign, Inc.
VeriSign Trust Network
Check if the certificate is within a valid date.
Note:
If, after clicking the security padlock icon you find any message different from what is illustrated above, contact HSBC for more information or assistance.
Because the security of our site is important to you, page expiry occurs to prevent the pages from being stored in your browser. This feature is meant to secure the confidentiality of your accounts.
Do not exit by closing the browser window. If you simply close the browser window, you cannot be sure that your Internet Banking session is terminated properly. Always exit by using the 'Logoff' button to ensure you end each Internet Banking session securely.
To create your Internet Banking password, please follow the tips below:
- Select a password that cannot be easily guessed by anyone else. Do not associate your Internet Banking password with anything personal such as your Electronic/ Personal Banking Number and Internet Banking password, birthdays, names, phone numbers or other familiar words.
- Do not use Electronic/ Personal Banking Number and Internet Banking password, which are used on other Internet sites/ISP servers.
- Create a password with a combination of letters and numbers using upper and lower cases, eg hu6N3Rw2. Avoid using repetitive or consecutive digits in your Internet Banking password, eg 111222, abababa.
To protect your Internet Banking password, we strongly recommend that you
- Do not disclose your Electronic/ Personal Banking Number and Internet Banking Password to any other party. Remember no one at HSBC will ever ask for a customer's password.
- Never write or record your Electronic/ Personal Banking Number and Internet Banking Password in a way that can be read or understood by someone else, or on any software which retains it automatically.
- Check your account balances and statements regularly to identify any unusual transactions. You should check the last logon time-stamp each time you log on.
- If you suspect your Electronic/ Personal Banking Number and Internet Banking Password has become known by someone else, you should change it immediately.
- If you suspect your password may have been comprised or if you detect any unusual activity on your Account, immediately contact our 24-hour Contact Centre service at please contact us on +961-1-36HSBC (+961-1-364722).
In such circumstances, you should also change your password immediately by selecting the 'Change Internet Banking password' option under the 'Services' section of Internet Banking of HSBC.
- Change your Internet Banking password on a regular basis.
- Know everyone who uses your computer to stop someone from loading software to capture your Electronic/ Personal Banking Number and Internet Banking password.
How can I protect myself from unauthorised access to my account(s)?
You should install a personal firewall on your computer especially if you are using a broadband connection. Update the firewall regularly to ensure you are covered with the latest protection. Please refer to your PC or software vendor to identify a personal firewall which best suits your PC environment.
To prevent viruses or other unwanted problems, do not open email attachments or install software/files that you do not trust.
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