Home Malware HSBC ‘Payment Advice’ Malware Email

HSBC ‘Payment Advice’ Malware Email

by Brett M. Christensen

This email purports to be a payment advice from Global Payments and Cash Management at HSBC. The ‘auto-generated’ email suggests that you open an attached file to view the payment advice document. 

However, the email is not from HSBC and the attachment does not contain a payment advice document.

If you open the attached Microsoft Word File, you will be prompted to enable macros, ostensibly as a security measure.  If you do allow macros, a malicious macro will run in the background. The macro will download and install malware on your computer.

The exact nature of this malware may vary. Often, it will be ransomware that will lock up your computer files and then demand that you pay a fee to online criminals to receive the code to unlock them.

In other cases, the malware may be designed to steal sensitive information such as your banking login credentials.

Apparently, in an effort to make the email seem more legitimate, the scammers have – rather ironically – included some handy computer security tips. They have also tacked on a generic confidentiality clause.

Details may vary in different versions of these emails. Some versions may include the malware on a compromised website rather than in an attached file.

Be wary of any unsolicited email that claims to contain a payment advice, receipt, or invoice, accessed via a link or attached file. This is a favoured method of distributing malware.


Subject: Payment Advice – Advice Ref:[G52499395560] / ACH credits / Customer Ref:[TH20170517140612367BND] / Second Party Ref:[]

Dear Sir/Madam,

The attached payment advice is issued at the request of our customer. The advice is for your reference only.

Yours faithfully,
Global Payments and Cash Management


This is an auto-generated email, please DO NOT REPLY. Any replies to this email will be disregarded.


Security tips

1. Install virus detection software and personal firewall on your computer. This software needs to be updated regularly to ensure you have the latest protection.
2. To prevent viruses or other unwanted problems, do not open attachments from unknown or non-trustworthy sources.
3. If you discover any unusual activity, please contact the remitter of this payment as soon as possible.

This e-mail is confidential. It may also be legally privileged. If you are not the addressee you may not copy, forward, disclose or use any part of it. If you have received this message in error, please delete it and all copies from your system and notify the sender immediately by return e-mail.

Internet communications cannot be guaranteed to be timely, secure, error or virus-free. The sender does not accept liability
for any errors or omissions.


Attached file: Payment Advice.doc


Importance Notice

After considerable thought and with an ache in my heart, I have decided that the time has come to close down the Hoax-Slayer website.

These days, the site does not generate enough revenue to cover expenses, and I do not have the financial resources to sustain it going forward.

Moreover, I now work long hours in a full-time and physically taxing job, so maintaining and managing the website and publishing new material has become difficult for me.

And finally, after 18 years of writing about scams and hoaxes, I feel that it is time for me to take my fingers off the keyboard and focus on other projects and pastimes.

When I first started Hoax-Slayer, I never dreamed that I would still be working on the project all these years later or that it would become such an important part of my life. It's been a fantastic and engaging experience and one that I will always treasure.

I hope that my work over the years has helped to make the Internet a little safer and thwarted the activities of at least a few scammers and malicious pranksters.

A Big Thank You

I would also like to thank all of those wonderful people who have supported the project by sharing information from the site, contributing examples of scams and hoaxes, offering suggestions, donating funds, or helping behind the scenes.

I would especially like to thank David White for his tireless contribution to the Hoax-Slayer Facebook Page over many years. David's support has been invaluable, and I can not thank him enough.

Closing Date

Hoax-Slayer will still be around for a few weeks while I wind things down. The site will go offline on May 31, 2021. While I will not be publishing any new posts, you can still access existing material on the site until the date of closure.

Thank you, one and all!

Brett Christensen,