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What are Deposits?
We offer a range of Savings, Current Accounts and Time Deposits that enable you to easily accumulate capital and manage your finances so that you can focus on achieving your aspirations.
Select an account:
What is a HKD Savings Account?
Savings account allows you to access your funds for everyday transactions and withdrawals while earning interest income on the balance.
Who does it suit?
Customers who require 24-hour access to their funds and would like to earn interest on the balance at the same time.
Features
- No monthly service fee if you maintain a balance of more than HKD5,000 (rolling average of previous three months, otherwise HKD50 fee will be levied)
- All the transaction details can be shown on a monthly statement1
Benefits
- Access your account with your ATM Card, phonebanking , or HSBC Internet Banking
- Earn interest on your account balance
1 Applicable to Integrated Account and Statement Savings Account only.
Manage your account online...
Logon to HSBC Internet Banking to make a bill payment, set up autopay and many more.
Rates Information
What is a Foreign Currency Savings Account?
Foreign Currency Savings Account allows you to manage your foreign currencies flexibly and earn interest on your account balance.
Who does it suit?
Customers who require high flexibility to manage their foreign currencies and would like to earn interest on the balance at the same time.
Features
- Manage 10 major currencies2 with a single account
- All the transaction details can be shown on a monthly statement3
Benefits
- Take advantage of favourable interest rates and movements in the rates of exchange
- Access your account via branches, phonebanking or HSBC Internet Banking
2 10 major currencies include Australian Dollar, Canadian Dollar, Euro, Japanese Yen, New Zealand Dollar, Pound Sterling, Singapore Dollar, Swiss Franc, Thai Baht and US Dollar.
3 Applicable to Integrated Account and Statement Savings Account only.
Manage your account online...
Logon to HSBC Internet Banking to start trading your foreign currencies.
Rates Information
What is a HKD Time Deposit?
With a HKD time deposit account you deposit your money for a set period of time, and in return, you receive a higher rate of interest over a savings account.
Who does it suit?
Customers who do not need immediate access to their funds and would like to earn higher rates of interest than those of a savings account.
Features
- Deposit tenors range from one day to 36 months
- Minimum deposit size of HKD10,000
Benefits
- Access your account via branches, HSBC phonebanking or Internet Banking
- HSBC Premier customers may enjoy a preferential time deposit interest rate of up to 25%4 higher than the Bank's time deposit board rates.
- Choose from a number of renewal options when your time deposit matures
4 This percentage is calculated based on a bonus interest rate of 0.27% per annum divided by the Bank's prevailing board rate for a tenor of 36 months as of 2 Apr 2008, i.e. 1.05% per annum. Please note that the Bank's prevailing board rate and the bonus interest rate are only indicative and are subject to change. HSBC Premier customers who make a time deposit comprising new funds and a minimum deposit amount of HKD50,000 for a tenor of 36 months will be entitled to the bonus interest rate of 0.27% per annum.
Next steps...
Already on HSBC Internet Banking
Not yet on HSBC Internet Banking
Rates Information
What is a Foreign Currency Time Deposit?
Foreign Currency Time Deposit allows you to earn higher interest over a savings account for a set period of time.
Who does it suit?
Customers who do not need immediate access to their funds and would like to take advantage of the higher interest rates for some foreign currencies.
Features
- Select from 10 major currencies5
- Deposit tenors range from one week to 36 months
- Interest is paid half-yearly (only applicable to time deposits of 18 months or above) or on maturity
- Minimum deposit can be as little as USD2,000 for US dollar deposits
Benefits
- Enjoy a preferential time deposit interest rate calculated based on your integrated account type, Total Relationship Balance, time deposit amount and tenor
- Access your account via branches, phonebanking or HSBC Internet Banking
- Choose from a number of renewal options when your time deposit matures
5 10 major currencies include Australian Dollar, Canadian Dollar, Euro, Japanese Yen, New Zealand Dollar, Pound Sterling, Singapore Dollar, Swiss Franc, Thai Baht and US Dollar.
Next steps...
Already on HSBC Internet Banking
Not yet on HSBC Internet Banking
Rates Information
What is a Current Account?
With a Current Account, you can write cheques for day to day payments, which gives you more flexibility in managing your cash-flow and finances.
Who does it suit?
Customers who need to write cheques for payments.
Features
- Hong Kong Dollar, Renminbi and United States Dollar current accounts are available
Manage your account online...
Logon to HSBC Internet Banking to make a local / overseas transfer, set up autopay and many more.
