HSBC SimplyPay Mobile App | Ways to Bank

Unified Payment Interface and HSBC SimplyPay

Unified Payment Interface (UPI) is a functionality launched by NPCI (National Payments Corporation of India) which ensures paying and receiving money is as simple as making a call on your mobile phone. UPI facilitate online instant payments in a simple and convenient way.

The key aspects of the Unified Payments Interface are:

The Unified Payments Interface permits payments via mobile app, both sender (payer) and receiver (payee) initiated.
The payments are carried out in a secure fashion
The payments can be made either using Virtual Payment Address or Account Number/IFSC code combination.

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HSBC SimplyPay

HSBC SimplyPay App (UPI app) allows you to link your accounts across Banks using a single Mobile App. HSBC SimplyPay App allows real time funds transfer option to pay and collect money from family and friends in a secure real time manner. All you need to provide is your Virtual payment address (a unique address identified in the UPI ecosystem).

Features and benefits

Safe and secure
Instant money transfer and available 24x7 including public / bank holidays
Send payments basis a Virtual Payment Address or Account number/IFSC code combination
Pay to Contact / Collect from Contact (only if both payer and payee are registered on HSBC SimplyPay)
"Pay again" from transaction history. You can pay to the same beneficiary again in a matter of seconds
Send or Collect payments basis a Virtual Payment Address
Prior beneficiary set-up not required
Payment to merchants who are live on UPI

UPI features now integrated into HSBC India Mobile app

We're continuously evolving and adapting our services to meet your banking needs. Now HSBC customers can access UPI from the HSBC India Mobile app, so you can manage all your payment and banking requirements in one place^*.

What's changing?

A quick and easy way to send and receive money using UPI ID in one app
A simplified new design, built for speed and ease of use
You can use your 6-digit mobile app log on PIN to perform UPI transactions within the HSBC mobile app
You won't need to re-authorise any transactions using the UPI PIN which you created on SimplyPay

Features which are available in the HSBC Mobile Banking app:

Create your virtual payment address (VPA)
Send or receive money
Collect money
Dispute management
Manage Virtual Payment Address (VPA)
Generate QR and scan & pay
View your transaction history

QR is a new feature now available on the HSBC India Mobile app. To send or receive payments, simply scan or show your UPI QR.

We'll be introducing more features later this year.

To find out more, take a look at our demos and frequently asked questions (FAQs).

^*Non HSBC customers will no longer be able to access UPI services through the SimplyPay app.

How do the new features work?

Step 1

Log on to the app > Select Move Money > UPI

Step 2

Select "Send money"

Step 3

Select the "From" VPA and linked account to be debited. You can either use VPA or account and IFSC for the beneficiary details

Step 4

If you selected VPA, you can either type your VPA details or select the icon on the right to look at your saved

Step 5

Enter the VPA and select 'Continue'

Step 6

Enter the amount and reference. Select 'Continue'

Step 7

Verify and confirm

Step 8

Your transaction is successful. You can also share your payment receipt by checking the box in top right corner

Step 1

Log on to the app > Select Move Money > UPI

Step 2

Select 'Request money'

Step 3

Select 'Make a request'

Step 4

Complete the details of the payee's VPA, the VPA to be debited, the amount and a reference. Select 'Continue'

Step 5

Verify the details and confirm

Step 6

You'll receive an acknowledgement that your payment request has been successful

Step 1

Log on to the app > Select Move Money > UPI

Step 2

Tap on 'Request money'

Step 3

Select 'Pending request'

Step 4

Tap on the request to review

Step 5

You can choose to accept or decline the request. You can also block the requester and you won't receive any future request from this VPA

Step 6

Once you accept the request, please confirm the debiting account. You can change this on the drop down menu. Select 'Continue'

Step 7

Verify your details and confirm

Step 8

You'll receive an acknowledgement that your payment has been successful

Step 1

Log on to the app > Select Move Money > UPI

Step 2

Tap on 'Scan and pay'

Step 3

Scan the QR

Step 4

Name of receiver / merchant will be pre-populated. Select which account to debit

Step 5

Verify and confirm

Step 6

Payment successful acknowledgement

Step 7

Click on 'share icon' to notify your recipient

Step 1

Log on to the app > Select Profile icon on the top Right hand side

Step 2

Select UPI settings

Step 3

Tap on Manage VPA

Step 4

Select the VPA displayed

Step 5

Choose the maintenance option you want to perform

Step 1

Log on to the app > Select Move Money > UPI

Step 2

Tap on 'Generate QR'

Step 3

Tap on "Change Payment details" to Input the VPA, amount and reference

Step 4

Fill the details and Tap on "Generate QR code"

Step 5

Either show your QR or click on 'share icon' to send it

Step 1

Log on to the app > Select Move Money > UPI

Step 2

Select 'Transaction history'

Step 3

View all your completed and pending transactions. You can also search by payee name

Step 4

Swipe left if you want to review the full transaction details

Step 5

Select 'Share icon' to notify your recipient

Step 6

Select 'Raise a dispute' to raise a dispute for any transaction

Step 1

Log on to the app

Step 2

Select 'Move money' or go to profile tab and select UPI

Step 3

Select UPI

Step 4

Tap on 'Register'

Step 5

The mobile number you've registered with HSBC will be displayed. Select the HSBC account you want to link and choose 'Create a VPA'

Step 6

Enter a VPA name and select 'Create VPA'

Step 7

Review all the details and select 'Register' to proceed

Step 8

Registration / UPI set-up is now complete. You can use UPI to send or receive money

Download the HSBC India Mobile app

UPI is now available on the HSBC India Mobile app for HSBC account holders. Try out our new features today!

Download Mobile Banking app at Apple store

Download Mobile Banking app at Google Play

Frequently asked questions

We're integrating our UPI payment services into the HSBC India mobile app so you can access all your payment and banking needs in one place.

HSBC India accounts can be used for UPI transfers. However, accounts with other banks can't be added for UPI payments.
You can set up a maximum of 3 Virtual Payment Addresses (VPA)
Default limits for UPI payments as set by NPCI apply. Currently, the limit is INR 1 lac for person to person and person to merchant payments, and INR 2 lacs for IPO payments.
'Pay to' or 'Collect from contact' and pay again features won't be available within the HSBC India Mobile Banking app. Existing accounts from other accounts linked to the HSBC VPA won't be migrated. You can add the third party beneficiary and transfer funds using the move money feature within the app, or you can transfer to the payee's VPA
Bill Payment (BBPS) can now only be done in online banking using desktop or mobile browser

You can use your 6-digit mobile app log on PIN to perform UPI transactions within the HSBC mobile app. You won't need to re-authorise any transactions using the UPI PIN which you created on SimplyPay.

Not more than 10 transactions per bank account in a day
Not more than ₹1 lac per bank account per day

This applies to all HSBC accounts in adherence to NPCI guidelines. This may vary for accounts held with other banks and you may need to confirm the thresholds with the bank where the account is held by you.

Yes. In case, your account is debited and beneficiary account is not credited, you'll be re-credited within 3 working days.

In HSBC India's mobile app, you can navigate to the "Transaction History" tab and click on "Raise dispute" option and raise a query.
Alternatively, please call our phone numbers below and give the following transaction details:

Date and time of transaction
Transaction ID
Your virtual payment address (VPA)
Beneficiary VPA (in case of pay) or remitter VPA (in case of collect) Account and IFSC

Read all FAQs

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SimplyPay

Unified Payment Interface and HSBC SimplyPay

HSBC SimplyPay

Features and benefits

UPI features now integrated into HSBC India Mobile app

How do the new features work?

Send money

Request money (making a request)

Request money (accepting a request)

Scan and pay

Manage VPA and account

Generate a QR code

Transaction history / raise a dispute

UPI set up

Download the HSBC India Mobile app

Frequently asked questions

Why do I need to download the HSBC India mobile app?

What services will no more be available after the integration into the HSBC Mobile Banking app?

Can I still use the UPI PIN set up previously on the HSBC India Mobile Banking App?

Are there any restrictions on the number or amount of transactions each day/VPA on HSBC India Mobile app?

If the transaction is not completed, will I get my money back, and how long will it take?

Important information

Terms & Conditions

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