The Primary User is the person nominated by your business to have full rights on the system and has overall responsibility for controlling access.

All other users of your Business Internet Banking set-up are Secondary Users. Secondary Users��profiles may be equal to or less than the Primary User.
The Secondary Users are established on your Business Internet Banking set-up by the Primary User (or another user with an access control profile - known as an Administrator) who is responsible for allocating them their access rights and permissions. The Secondary Users must, therefore, refer to the Primary User if wishing to amend any of these rights. Please refer to the Access and Control section for more information on access rights.

It could be for one of the following reasons:
- Business Internet Banking only shows the accounts for a single legal entity (eg, a single limited company). A separate registration is required for each business or separate sole trading name.
- Not all the accounts within a single legal entity are currently available on the service eg, Offshore accounts.
- Your current profile may not authorise you to view all account information. Please speak to your Primary User if you need to amend your profile.
- If it is a new account it will not show in the list until the day after it has been opened by us.
- If it is a closed account it will not be removed from the list until the day after we complete the closure.

Yes, if you wish to permanently change the name or title of an account, please contact your branch as it may mean your existing account must close and a new account opened.

A balance is the actual balance on your account at the time of your enquiry (including 'uncleared' funds, for example cheques paid into your account) on the Last updated at��the time shown. When we provide you with details of the balance on your account, it may include transactions that are still being processed such as cheques that are in the process of being cleared, and so may be subject to change. It may not represent funds that are available for you to withdraw.

Your current balance is continually updated throughout the day as transactions are applied to your account giving you an updated balance 'Last updated at' the time displayed. Please note that some transactions e.g. paper items like cheques you write out, will not be updated on a realtime basis. To view the list of recent transactions contributing to your balance select go to the 'Recent Transactions'��tab.

On sterling accounts your 'Current Statement' balance is shown as realtime (last updated at the time displayed) and consists of:

- 'Last Night's Statement' balance and
- any transactions that have been debited or credited today up to the date and time displayed.

On Foreign Currency Accounts (also known as International Bank Accounts) balance is shown as realtime (as at the date and time displayed) and consists of:

- 'Last Night's Statement' balance and
- any transactions that have been debited or credited today up to the date and time displayed.

Please note all sterling and foreign balances displayed are subject to adjustment and will be updated automatically when you select My HSBC from the left-hand menu. Alternatively, if you are expecting some funds in your sterling accounts you can also use the 'Refresh' button.

The main company card account is the facility held by the company. This will be displayed as either a 'Business Card' or a 'Commercial Card'. All individual cards held on these accounts are referred to as 'Cardholder' accounts.

This is the balance of your loan before the addition of interest, which has been calculated as owing but has not yet been passed to the account. If the loan is one where all interest is added at the outset to the loan, then the interest will be included in this balance.

If you wish to repay your loan account before your final repayment is due, please contact your Relationship Manager or branch for further details.

The Primary User will be able to see a new account for the same legal entity the day after it has been opened by us. The Primary User will then need to add this account to the Secondary User/s if they wish them to have access to this account.

Quick Transfers are the same day movement of monies from one of your HSBC bank accounts to another of your HSBC bank accounts provided they both appear on the same Business Internet Banking profile (set of accounts which appear in the same account list within the service). If payment is to be made to an account that does not appear in this list, a BACS, Bill, CHAPS or Priority payment should be made instead.

A Primary User can create transfers from/to any of the accounts within their Business Internet Banking set-up. Secondary users with the 'Transfers' entitlement enabled can create transfers from/to any of the accounts they have been granted access to view within their Business Internet Banking set-up.

Transfers can be made for any amount up to the available balance on the account the monies are coming from. The available balance includes cleared funds received on the debiting day and any overdraft limit on the account. If you do not have sufficient funds in the account on the debiting date, the transfer(s) will not be processed.

Transfers will normally be received as soon as the transfer is confirmed (subject to sufficient funds being in your account at the time). Monies transferred are available for use immediately.

No, transfers can only be made between UK sterling accounts using Quick Transfer. To transfer between Foreign Currency Accounts simply select Transfers under the main payment options and select your Foreign Currency Account in either the "From" or "To" and proceed with the transfer, this is known as a Currency Account Transfer (CAT). Once you are happy with the details you will be taken through the Get Rate system to book a currency deal.