Comparison · 2026 edition
Ebury vs HSBC Hong Kong: trade finance compared 2026.
Ebury and HSBC Hong Kong side by side in the Trade Finance Index 2026: scores, evidence, published facts and awards.
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Ebury and HSBC Hong Kong side by side in the Trade Finance Index 2026: scores, evidence, published facts and awards.
In the Trade Finance Index, Ebury scores higher overall: 3.2 out of 5 (65 out of 100) against 3.1 (62), ranking 3 and 4 of 14. Ebury also scores higher in every segment.
Overall and segment scores out of 100, and the score out of 5.
| Score | Ebury | HSBC Hong Kong |
|---|---|---|
| Score out of 5 | 3.2 | 3.1 |
| Score out of 100 | 65 | 62 |
| Overall rank | 3 of 14 | 4 of 14 |
| For importers (out of 100) | 64, rank 2 | 63, rank 4 |
| For exporters (out of 100) | 65, rank 3 | 64, rank 4 |
| For wholesalers (out of 100) | 66, rank 2 | 58, rank 5 |
| Type | UK e-money institution with trade lending | Hong Kong bank |
Each score with the evidence behind it.
| Criterion | Ebury | HSBC Hong Kong |
|---|---|---|
| Products | 4/5 Supplier payment finance for imports and export invoice finance with buyer credit are published. | 5/5 Letters of credit, collections, trade loans, guarantees and receivables finance are all priced in the tariff. |
| Published cost | 2/5 No standard rate; the only figure is an illustrative 0.5% a month in a worked import example, plus published zero set-up and early repayment fees. | 3/5 Commissions and minimums are published for every trade service; loan interest is not. |
| Facility size and tenor | 4/5 GBP 50,000 to GBP 5 million with 150 days to repay; the minimum sits above the scale's under-$50,000 floor. | 1/5 Only the SME TradePay limit (up to HKD 1.5 million) is published. |
| Speed | 3/5 Set-up within two weeks is published; drawdown on signing. | 4/5 In-principle approval within 10 minutes and instant drawdown are published for TradePay. |
| Access | 3/5 Published minimums (GBP 1M revenue, two years), but countries are not listed and a guarantee may occasionally be required. | 1/5 No country, turnover or trading history criteria published. |
| Standing | 4/5 FCA-authorised e-money institution (900797); the lending entity and funding source are not named. | 5/5 A bank within the HSBC group. |
Each criterion is scored 0 to 5 against the best published offer in the Trade Finance Index. 0 means not offered or not published. How it is scored
What each provider publishes on its own pages, read on 21 October 2026.
| Fact | Ebury | HSBC Hong Kong |
|---|---|---|
| Legal status | 'Ebury Partners UK Limited is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (reference number: 900797).' EU: Ebury Partners Belgium NV/SA, a payment institution (Spanish branch supervised by the Bank of Spain, registration 6889). The financing pages do not name the lending entity: 'availability depends on the entity's regulatory permissions'. | 'The Hongkong and Shanghai Banking Corporation Limited'. |
| Products | Supplier Payment Finance, an unsecured credit line to pay suppliers, raw materials and freight 'in most currencies'. Trade finance page: import finance (repay 'up to 150 days later') and export finance ('Provide your buyers credit': 90% of the invoice paid up front, buyers repay 'up to 120 days later'). | Import and export documentary credits, documentary collections, buyer and seller trade loans, guarantees and standby credits, receivables financing (buyer credit protection), and HSBC TradePay for SMEs ('A 2-in-1 flexible SME loan and payment solution'). |
| Published cost | Set-up costs £0; interest only on the amount drawn 'at a rate pre-decided and mentioned in your terms and conditions'; 'zero fees for early repayment and any unused credit'. The trade finance page's worked example uses a 'Representative example of 0.5% per month funding cost'; no standard rate published. | Trade Services and Guarantees tariff (listed under the Nov 2026 issue): import DC opening commission 0.25% per six-month validity (min HKD 500); amendments HKD 600; buyer and seller loans handling commission 0.25% (min HKD 500); import and export collections 0.125% (min HKD 550); DC document checking HKD 850 per set; guarantees 2% (min HKD 2,000) or 2.5% for payment guarantees (min HKD 2,500); standby DC 2% p.a. (min HKD 1,000). TradePay: interest rate not published, fees 'subject to negotiation', set-up fee HKD 2,000 (waived for eligible new customers to 31 December 2026). |
| Facility size and tenor | 'Access unsecured credit lines from £50K to £5M.' 'Sell your goods and repay Ebury within 150 days.' | TradePay: 'Up to HKD1.5m' revolving; tenor not stated. Other facility sizes not published. |
| Speed | Account and credit line set-up 'usually takes up to two weeks'; funds 'available to draw and pay your suppliers as soon as you sign your T&Cs'. | TradePay: in-principle result 'within 10 minutes' of applying online; same-day results for applications 8am to 9pm on weekdays; 'Instant loan drawdown', with payments 'subject to processing time'. |
| Who can apply | Operating revenue of GBP 1M or more; tangible net worth above GBP 100,000; at least 2 years of trading. Countries not listed: 'Ebury's product offerings may vary based on your country of origin.' Unsecured; 'In rare cases, we may require a personal or cross-company guarantee'. | TradePay 'subject to prior credit adjudication and approval' and 'available in selected sites'; 'No tangible collateral or financial statement required'. Country and turnover criteria not published. |
| Funding and history | Client funds held in separate accounts under safeguarding and client money rules. Funding source for the credit line not named. | A bank within the HSBC group; funding source not stated on the pages read. |
| Date read | 21 October 2026 | 21 October 2026 |
Not published or not stated by Ebury: published cost, who can apply, funding and history, access and standing.
Not published or not stated by HSBC Hong Kong: published cost, facility size and tenor, who can apply, funding and history and access.
Facts read on 21 October 2026 from: ebury.com/products/financing/…, ebury.com/en/supplier-payment-finance, ebury.com/trade-finance, ebury.com/group-legal-entities; and business.hsbc.com.hk/en-gb/regulations/…, business.hsbc.com.hk/-/media/media/hong-kong/…, business.hsbc.com.hk/en-gb/products/….
Awards follow from the published scores and cannot be bought.
From each provider's strongest criteria and published terms.
Unsecured import finance with FX in one account.
Asian traders needing letters of credit and trade loans.
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