Legal resources

Deposits held by HSBC Continental Europe S.A., Germany are covered by the French deposit guarantee scheme (Fonds de garantie des Dépôts et de Résolution - FGDR) under the terms and conditions and in accordance with the procedures set out in the French Monetary and Financial Code (Code Monétaire et Financier).

The FGDR pays compensation in respect of eligible deposits, if a FGDR member is no longer able to repay its customers' deposits. The FGDR protects eligible bank deposits up to the maximum amount of €100,000 per depositor per credit institution. Further detailed information can be found on the FGDR’s website under

A corresponding brief description can be found in the brochure attached below.
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Please see the Cookie Policy for HSBC Continental Europe S.A., Germany and subsidiary websites here.

The web pages of HSBC Continental Europe S.A., Germany are designated only for the use of persons permanently domiciled in the Federal Republic of Germany. They are explicitly not addressed to persons in countries/ jurisdictions, in which the publication of those information or the distribution and marketing of securities as described herein is forbidden. Persons, who are subject to any such restriction as to their residence, nationality or other reasons, are not allowed to use this web pages.

HSBC Continental Europe S.A., Germany or a third party has examined all information contained in this site with due care. Neither HSBC Continental Europe S.A., Germany nor any other party makes any guarantee, representation or warranty as to the accuracy, completeness or actuality of this site as well as of any other website, which can be accessed via hyperlink. HSBC Continental Europe S.A., Germany is not responsible for any content on other websites, which can be accessed via such hyperlink.

HSBC Continental Europe S.A., Germany has, at any time, the right to alter or change the information on this site.

This website is for information purposes only. It does not constitute any kind of investment advice, even if any companies or securities are explicitly mentioned therein. This also applies, if single issuer or securities are mentioned. Our internet information cannot replace the individual investment advice given to our customers which is focused on his personal circumstances. It is not possible for HSBC Continental Europe S.A., Germany to consider every particularity, which can arise in connection with the investment in special securities.

Contents and structure of the HSBC Continental Europe S.A., Germany website are protected by copyright. The reproduction or duplication of information or data especially the use of terms, wording or figures, is subject to prior approval of HSBC Continental Europe S.A., Germany.

Protecting our customers from fraud and financial crime

In today’s increasingly connected world, it’s more important than ever to ensure your security – especially when it comes to banking. That’s why we’re introducing HSBC Safeguard: a series of initiatives designed to provide better protection for all of our customers from fraud and financial crime across our global processes and systems.

Information is key to protection

Our systems and processes rely on us having the most up-to-date information about all of our customers. Soon you will be asked to do one or all of the following:

  • confirm or update your existing personal or business details
  • provide some new information which may include original documents

What is financial crime?

Fraud and financial crimes are forms of theft. They tend to involve money or property that are gained illegally, and used in a deceptive or illegal manner to gain a benefit from the proceeds. In today's complex economy, financial crimes can take many forms including money laundering, sanctions breaches, fraud, tax evasion, terrorist financing, bribery and corruption.

What is HSBC Safeguard?

HSBC Safeguard is a series of initiatives to increase the protection we provide our customers against fraud and financial crime across our global systems and processes. It involves strengthening our ability to combat money laundering and the evasion of sanctions, as these are often the driver behind many financial crimes. In addition, we will no longer be offering products such as travellers’ cheques, as we believe they are no longer a safe enough way for our customers to convert their money and we may review other products like this over time.

What are Sanctions?

Sanctions are a policy tool which national governments and organisations such as the United Nations and European Union use to constrain and deter perceived threats to their security, or to conform international conduct to recognised international standards. Sanctions help to stop crimes like terrorism, drug trafficking and arms dealing by imposing restrictions on the business that banks can do with specific people, corporations or countries and the names of these are clearly listed on things like the Office of Foreign Assets (OFAC) sanctions list.

Why is Financial Crime suddenly of concern to the Bank?

At HSBC, addressing financial crime globally has long been one of our main priorities.

However criminal activity has become increasingly sophisticated in recent years, and fraudsters, money launderers and others have attempted to target global networks like banks.

Improving the way we share and manage customer information will help us fight against the risk of financial crime. After all, it’s our duty to ensure that you can bank with us safely, securely, and confidently.

What has financial crime got to do with you or your business?

As the world becomes more and more connected and information moves around at a greater pace, there are unfortunately greater opportunities for criminals to misuse the financial system. A key defence against money laundering is to prevent accounts being opened in false identities. We also sometimes need to verify where funds are from as part of our ongoing efforts to track our customers’ legitimate funds and to protect them from financial crime. Criminals will try to appear to be law abiding citizens or businesses and therefore we need to request documentary evidence from all of our customers in order to fully protect them and their accounts.

What information we're likely to request

If you’re a personal banking customer, we're likely to need two types of documents from you: one to confirm your identity and one to confirm your current address. These need to be two separate documents and need to be originals and not copies.

If you’re a business customer, the documents we will need will depend on the size and nature of your business. However we are likely to need you to confirm your legal entity structure and beneficial owners as well as countries you do business with.

How will this information protect you or your business?

As more and more of our customers live, travel and trade internationally, we’re always looking for better ways to help you do the things you want to do safely. Part of this is to protect our customers around the globe. Our global systems and processes work by sharing data and customer information across borders in order to deter and detect financial crime. Even if as a customer you only bank in one country, locally, we have a duty to protect your account as financial crime is a global operation.

By confirming your details and making sure that all the information we hold about you is up-to-date, you can be certain that no one else is able to misuse your account and that in turn we only act on genuine requests from you.

What we will do with your data

The sole purpose of gathering this information is so that our systems and processes can protect both our customers and the bank against financial crime. We take our obligation to protect your data very seriously, so all the information you provide will be subject the HSBC Group's high data and security standards as well as applicable local law and regulation. The intent is only to use this information for your protection and will NOT be used by any third parties for marketing purposes.

What you need to do next

You don't need to do anything at the moment. In order to manage the process, we'll be contacting customers individually on a phased basis to let them know when they need to update their information. Depending on your contact preferences, look out for an email or a letter in the near future.

For more information, please feel free to call your Relationship Manager or visit your local branch.

Responding to experience gained during the financial crisis of 2008, numerous countries have adopted rules which allow for the orderly resolution of banks in the future that are failing or likely to fail, without the involvement of taxpayers. As a result, shareholders and creditors may be drawn upon to share in the losses of a bank being resolved – with the objective of making the resolution of a bank without the use of public funds. For further information please refer to the following PDF document.

HSBC Germany Information Bail-in (89KB, PDF)

Pursuant to article 41 (4) of Delegated Regulation (EU) 2017/565 dated 25 April 2016, investment firms are obliged to provide special information to their clients when offering them financial instruments issued by themselves, or by other group entities. We comply with this duty to provide special information by disclosing the following details:

Certain financial instruments issued by credit institutions and investment firms serve the purpose of complying with regulatory capital requirements pursuant to Regulation (EU) no 575/2013 ("CRR"), Directive 2013/36/EU ("CRD IV"), and Directive 2014/59/EU ("BRRD"). In particular, this includes common equity tier 1 instruments issued in classes (1)-(3), additional tier 1 or tier 2 instruments, as well as non-structured financial instruments or receivables issued in class (5)(a). When compared to bank deposits, these instruments typically offer a higher yield but are exposed to a higher level of default risk in the event of insolvency (or when resolution measures are being applied), on account of their lower ranking and the usual absence of a deposit guarantee scheme. In contrast to bank deposits, however, such instruments are generally tradeable on the secondary market, although it may prove impossible to find a buyer or seller on the secondary market (liquidity risk), and the market price may change to the investor's detriment (market price risk).

Please refer to the product documentation of the specific financial instrument for details concerning opportunities and risks.

Orders, which are placed for the purpose of buying or selling securities or other financial instruments (e.g. options), are executed according to the order execution policy of the bank. The latest version of this document can be downloaded here: Order Execution Policy (213KB, PDF)

Further information on best execution by the HSBC Group can be found here.

HSBC Continental Europe S.A., Germany published until April 28 2023, on an annual basis, for each class of financial instrument, the top five execution venues and top five brokers in terms of trading volume where it executed or routed client orders in the preceding year.

Year 2022

- Top 5 Execution Venues (Retail clients) (7KB, Text) and Top 5 Execution Venues (Professional Clients) (8KB, Text) 

- Top 5 Broker (Retail Clients) (7KB, Text) and Top 5 Broker (Professional Clients) (7KB, Text) 

Year 2021

- Top 5 Execution Venues (Retail clients) (7KB, Text) and Top 5 Execution Venues (Professional Clients) (8KB, Text) 

- Top 5 Broker (Retail Clients) (7KB, Text) and Top 5 Broker (Professional Clients) (7KB, Text) 

Year 2020

- Top 5 Execution Venues (Retail clients) (7KB, Text) and Top 5 Execution Venues (Professional Clients) (8KB, Text) 

- Top 5 Broker (Retail Clients) (7KB, Text) and Top 5 Broker (Professional Clients) (6KB, Text) 

An annual summary of the analysis and conclusions drawn from the detailed monitoring of the quality of execution obtained on the execution venues where the bank executed client orders in the previous year, can be downloaded here:

Year 2022

- Review of Execution (323KB, PDF)

Year 2021

- Review of Execution (325KB, PDF)

Year 2020

- Review of Execution (181KB, PDF)

Further information in regard to Best Execution by other HSBC entities can be found in the HSBC Group MiFID Programme page.

HSBC Trinkaus & Burkhard GmbH has published the information on the top 5 execution venues & brokers as well as the annual review of execution summary for information purposes only. It is not permitted by a third party to sell the data published on this Site.

In accordance with section 134b AktG, institutional investors (section 134a (1) no. 1 AktG) and asset managers (section 134a (1) no. 2 AktG) must publish a policy on their website in which they describe their engagement in the portfolio companies (engagement policy). The same applies with regard to implementation of their engagement policy and with regard to their voting record. The idea behind the law is that institutional investors and asset managers are often major shareholders of listed companies and therefore have an important role to play in terms of corporate governance. There are also additional disclosure requirements for institutional investors; according to section 134c (4) AktG, certain reporting and publication obligations also apply to asset managers where they have a relevant portfolio management agreement with institutional investors.

The Bank acts as an asset manager for some of its clients. Asset management is carried out on the basis of the necessary authorisation; asset management does not require the Bank to become the owner (trustee) of the managed securities. Clients usually continue to be shareholders and can exercise their voting rights themselves. In this scenario, the transparency rules for asset managers do not apply. Moreover, there are no portfolio management agreements with institutional investors in general. Publication of the information set forth in section 134b AktG (engagement policy; implementation of the engagement policy; voting record) is therefore not required, nor is fulfilment of the reporting and publication obligations pursuant to section 134c (4) AktG.

We are sorry - this section is only available in German.

We are sorry - this section is only available in German.