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Last Verified: April 10, 2026
Confidence Level: Medium

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Overview

HSBC US Business Banking allows you to grant access to your accounts by creating a User. This is done through HSBCnet, where you can:
  • add a new user with their own login credentials
  • choose which accounts they can access
  • define what they are allowed to see and do, such as viewing balances or initiating payments
You will be setting up a user that can securely access account data and initiate transactions without sharing your primary login.

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Bank terminology

ConceptHSBCnet term
Delegated userUser
AdminSystem Administrator

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Setup steps

1. Navigate to user management

Sign in to HSBCnet.From the top navigation, go to: User and Account Management → User Management → Create new user
Click Create new user.Enter the user’s details:
FieldNotes
First nameRequired
Last nameRequired
Confirm work email addressRequired
Work email addressRequired
Phone numberRequired
Area codeRequired
Bank business unit you primarily deal withRequired
Company nameRequired
Confirm date of birth (dd/mm/yyyy)Required
Country/TerritoryRequired
Date of birth (dd/mm/yyyy)Required
Location codeRequired
Location of incorporationRequired
TitleRequired
First and last names of your contactOptional
Address line 1Optional
Address line 2Optional
CityOptional
County / stateOptional
Postal code / ZIP codeOptional
Our team will provide the exact details to use for this user. Please enter them exactly as provided to ensure the setup completes successfully.
Select the account or accounts this user should access.
This must be done for each account individually. If skipped, the user will not see any accounts.
SettingRecommended
Access levelInquiry Only
Balances✅
Transactions✅
Statements✅
Payments (initiate)❌
Approvals❌
Daily limitsSet as appropriate
The above example corresponds to read only functionality. If you want to enable Waycore to draft transactions on the portal, you should enable payments, approvals, and limits correspondingly.
Review the setup and click Submit for authorisation to complete.

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Important notes

If no account access is assigned, the user will see no data.
Dual control is highly recommended and often required for user administration and high-value payments. Security devices or mobile app authentication are strictly enforced for 2FA. System Administrators must activate their own Security Devices.
Use one user per account if separate connections are required.