13 If youâve asked us to make a payment in the future, you can cancel: Global Transfers â through Telephone Banking before 6pm (5pm at weekends) the day before we send the payment, or through Online Banking before 11.59pm the day before we are due to send the payment; Currency Account Transfer, SEPA credit transfer, Worldpay payment or Priority Payment â through Online Banking before 11.59pm the Working Day before weâre due to send the payment. Text messages for future dated and recurring payments We may send text messages to: â¢ remind you to keep a sufficient available balance on your account before a payment is made and how to check exchange rates; â¢ alert you when a payment cannot be made because there is an insufficient available balance in your account; or â¢ notify you when a payment has been made. It may not be possible to send you text messages on every occasion set out above (for example, if there are problems with our systems). You must continue to monitor your accounts carefully yourself. 6. Payments into your account Electronic payments If we receive a payment in any other currency than the currency your account is held in, weâll convert the payment into the currency your account is held in using the HSBC Exchange Rate at the time we receive the payment. 7. Cheques you receive Foreign Cheques You can pay both cheques drawn in a foreign currency and cheques drawn on foreign banks into your account. Weâll agree to either ânegotiateâ the cheque or send it for âcollectionâ. In some situations, we are required to ânegotiateâ the Foreign Cheque. We charge in both instances, and you may also have to pay foreign agentsâ charges and charges imposed by the bank on which the cheque is drawn. See pages 5 and 6 for further information about our charges. âNegotiationâ of a Foreign Cheque Weâll immediately add the cheque amount (less our charges) to your account. If we need to convert the cheque amount, weâll apply the HSBC Exchange Rate. If the cheque is returned unpaid weâll deduct the amount of the cheque from your account. If the cheque was converted, then weâll reconvert it back to the currency of the cheque using the HSBC Exchange Rate before we make the deduction. Thereâs a charge if a Foreign Cheque is returned unpaid. âCollectionâ of a Foreign Cheque Weâll collect the amount of the cheque first and then pay that money into your account. We may wait for a short time before paying the money into your account to make sure that the cheque isnât going to be returned unpaid. This means the funds will not be immediately available to you. Weâll convert the amount we receive (if needed) using the HSBC Exchange Rate before we pay it into your account (subject to charges). Weâre not responsible for any losses that result from changes to the HSBC Exchange Rate.