HSBC Statement Analyzer — Global Banking PDF Analysis

Upload your HSBC bank statement PDF from any country and get AI-categorized spending insights in seconds. Works with HSBC UK, HSBC UAE, HSBC Hong Kong, HSBC US, and every other HSBC entity worldwide.

Why HSBC Customers Need a Statement Analyzer

HSBC is one of the largest banking and financial services organizations in the world, operating in over 60 countries and territories. Headquartered in London with deep roots in Asia, HSBC serves tens of millions of customers from Hong Kong to Houston, from Dubai to Delhi. It is the definition of a global bank, and that global reach creates a unique challenge for personal finance tracking.

Most budgeting tools are built for a single market. Plaid works primarily with US banks and has limited coverage elsewhere. Open Banking APIs in the UK cover HSBC UK accounts but not your HSBC Hong Kong or HSBC UAE accounts. If you are an HSBC customer who has moved countries, holds accounts in multiple jurisdictions, or simply banks with HSBC outside of the US, you have likely discovered that the most popular budgeting apps cannot connect to your accounts.

A PDF-based statement analyzer solves this by working with the one format every HSBC entity produces: the PDF statement. Regardless of whether your statement comes from HSBC UK, HSBC Hong Kong, HSBC Middle East, HSBC Canada, or HSBC India, you can download the PDF, upload it, and get a categorized spending breakdown in under a minute. No API integration needed, no country-specific limitations.

How to Download Your HSBC Statement PDF

The exact steps vary slightly depending on which HSBC entity you bank with, but the general process is consistent across all HSBC online banking platforms.

From HSBC Online Banking (All Countries)

1. Log in to your HSBC online banking portal for your country. For HSBC UK, this is hsbc.co.uk. For HSBC UAE, it is hsbc.ae. For Hong Kong, hsbc.com.hk. Each country has its own domain.
2. Navigate to your Accounts overview and select the specific account you want to analyze.
3. Look for Statements, e-Statements, or Documents in the account menu. The exact label depends on your HSBC entity.
4. Select the statement period (month and year). HSBC typically retains 7 years of statements online for Premier customers and 2-3 years for standard accounts.
5. Click the download icon or Download PDF button. Some HSBC portals require you to accept terms before the download starts.

From the HSBC Mobile App

1. Open the HSBC mobile banking app and log in with your Digital Security Device, fingerprint, or Face ID.
2. Tap on the account you want to view from the accounts overview screen.
3. Tap Statements or Documents from the account detail view.
4. Select the month and tap to download. The PDF will open in your device viewer where you can save it or share it.
5. Save the PDF to your files app, or share it to your computer for upload.

Supported HSBC Account Types

Spend & Invest supports every HSBC account type that generates a PDF statement. HSBC's product lineup varies by country, but the analyzer handles all of them:

• HSBC Premier — The premium tier available in most HSBC markets. Includes Premier current accounts, Premier savings, and Premier credit cards. Statement formats for Premier accounts are fully supported.
• HSBC Advance — The mid-tier banking package with bundled current account, savings, and credit card. Available in UAE, Hong Kong, and select markets.
• HSBC Personal / Basic Accounts — Standard current and savings accounts available across all HSBC markets. Includes everyday banking and salary accounts.
• HSBC Credit Cards — All HSBC credit card products including Cashback, Rewards, Platinum, Gold, and co-branded cards (like airline and hotel cards). The analyzer parses credit-specific fields like minimum payments, APR charges, and reward summaries.
• HSBC Jade — The ultra-premium tier in Asia-Pacific markets. Jade statements with wealth management transactions are supported.
• HSBC Business Accounts — Small business and commercial banking statements with payroll, vendor payments, and business expenses.
• HSBC Expat — The international banking service for expatriates, offered through HSBC Channel Islands. Multi-currency statements from Expat accounts are fully supported.

Multi-Currency Support for Global Banking

HSBC's global nature means its customers deal with multiple currencies more often than customers of most other banks. You might have a GBP account in the UK, an HKD account in Hong Kong, an AED account in Dubai, and a USD account through HSBC Expat. Each of these generates statements in different currencies with different formatting conventions.

Spend & Invest handles all of this seamlessly. The analyzer detects the statement currency automatically and parses amounts correctly regardless of whether the format uses commas as thousand separators (1,234.56 in GBP/USD) or periods (1.234,56 in some European formats). It supports GBP, USD, HKD, AED, EUR, CAD, SGD, INR, AUD, and dozens of other currencies.

If your HSBC credit card statement includes foreign transactions, the analyzer captures both the original currency amount and the converted amount. You can upload statements from multiple HSBC entities and see your total spending consolidated on a single dashboard, giving you a complete picture of your global financial activity.

How AI Categorizes Your HSBC Transactions

When you upload your HSBC statement, the AI processes every transaction line and assigns each one to a spending category. Here is how the categorization process handles HSBC-specific formatting:

1. Known vendor matching. If you have previously corrected a category for a specific merchant, the system remembers your preference. This works across all your HSBC accounts and even across different currencies.
2. AI inference. For new vendors, the AI analyzes the merchant name and transaction context. It handles HSBC-specific formatting quirks like truncated merchant names, country codes appended to vendor names, and card network identifiers mixed into transaction descriptions.
3. Confidence scoring. Each categorization receives a confidence score. Transactions at well-known global chains score high. Ambiguous entries like "POS DEBIT" with minimal vendor information score lower and are flagged for your review.
4. Cross-country recognition. The AI understands that Tesco is a grocery store in the UK, that Wellcome is a supermarket in Hong Kong, and that Carrefour is a hypermarket in the UAE. This global merchant knowledge base means accurate categorization regardless of which HSBC country your statement originates from.

Plaid-Based Apps vs Spend & Invest for HSBC

Privacy and Security for HSBC Customers

HSBC customers are often high-net-worth individuals, expatriates managing finances across borders, or professionals with premier banking relationships. Privacy and security are not optional concerns for this audience. With Spend & Invest, you never share your HSBC online banking credentials, Digital Security Device codes, or any authentication details with a third party.

You simply download the statement PDF from your HSBC portal and upload it. There is no persistent connection to your bank account, no recurring data pulls, and no way for anyone to access your account or move funds through the analyzer. Your HSBC relationship remains entirely between you and the bank.

This is particularly important for HSBC Premier and Jade customers who may have significant balances and wealth management positions. A Plaid-based connection creates an ongoing link to your account that persists until you manually revoke it. PDF upload creates no such link. Each upload is a one-time, read-only operation on a static document.

Getting Started with Your HSBC Statement

Ready to analyze your HSBC bank statement? The process takes less than a minute, regardless of which country your account is in:

1. Download your latest HSBC statement PDF from online banking or the mobile app.
2. Create a free account at Spend & Invest.
3. Upload your PDF and let the AI categorize your transactions automatically.
4. Review any flagged items, correct categories if needed, and finalize.
5. Explore your spending dashboard with category breakdowns, trends, and month-over-month comparisons across all your HSBC accounts.

The more statements you upload, the smarter the system gets. It learns your vendor preferences and applies them automatically to future uploads, making each statement faster to process than the last. This learning works across all your HSBC accounts, so a correction made on your UK statement benefits your UAE statement analysis too.

Try It Free Today

Spend & Invest is free to use during early access. Upload your HSBC statement from any country and see your spending patterns in under a minute. No bank login, no Plaid, no spreadsheets. Just upload your PDF and go.

Want to learn more? Read our guide on AI-powered bank statement analysis, find out why you do not need a bank login to budget, or explore spending tracking without Plaid.