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HSBC One+

Join HSBC One+ and enjoy exclusive privileges, which help you earn your first bucket of gold and achieve new life goals.

For your first bucket of gold

Take advantage of our offers on savings, investments and FX and kick-start your journey with ease. Save the hassles of managing your money in separate places – open your banking and investment accounts seamlessly in one go through the HSBC HK App, and consolidate your funds here to unlock more privileges.

Exclusive offers for HSBC One+ members

Access to HSBC Trade25 for members aged 36 or above

  • HSBC One+ members aged 36 or above who have never traded stock(s) in 2025[@accounts-hsbc-one-plus-new-to-stock] can also join HSBC Trade25 and enjoy $0 commission and $0 platform fees[@accounts-t25commission] on HK, US, and China A stock trading. Terms and conditions (PDF) apply.
  • HSBC One+ members who are aged 18 to 35 can join Trade25 and complete 10 designated stock trades to earn up to $1,000 RewardCash (RC)! [@accounts-hsbc-one-t25-800rc],[@accounts-hsbc-one-plus-t25-200rc] Visit HSBC Trade25 website for details.

Deposit new fund to earn up to HKD3,400 cash rebate

  • Existing HSBC One+ member who register and deposit new funds during the promotional period (5 July 2026 to 31 August 2026) can enjoy up to HKD3,400 cash rewardFootnote link 5. (The online registration form will be open for registration from 5 Jul 2026.)
  • New customers who join or upgrade to HSBC One during the promotional period (1 Jul 2026 to 31 August 2026) can also deposit new funds to enjoy up to HKD3,400 cash rewardFootnote link 6, no registration required. Terms and conditions (PDF) apply.

Cash Reward entitlement:

  • HKD250 for new funds of HKD50,000 to less than HKD100,000
  • HKD600 for new funds of HKD100,000 to less than HKD300,000
  • HKD1,900 for new funds of HKD300,000 to less than HKD500,000
  • HKD3,400 for new funds of HKD500,000 or above

New-to-Investment and Multi-Product Holding Offer

Enjoy up to $850 RewardCash (RC) when you invest HKD50,000 or more during the promotional period[@accounts-hsbc-one-plus-nti-offer].

Investment involves risk. T&Cs (PDF) apply.

Exclusive HSBC One+ member offers

Join HSBC One+ and earn rewards worth up to HKD9,300[@accounts-hsbc-one-plus-total-rewards]!

  • Deposit
    Deposit new funds of the designated amount to enjoy up to HKD3,400 cash rewards[@accounts-hsbc-one-plus-new-funds-etb],[@accounts-hsbc-one-plus-new-funds-ntb]
  • Auto-payroll
    New Auto-Payroll Customers who registered for 'Exclusive offers for Auto-Payroll Customers' and have Eligible Payroll Records[@accounts-payroll-eligible-record], can earn up to $1,500 RewardCash and lifestyle rewards of up to HK$600[@accounts-one-payroll-details].
  • Credit Card
    Enjoy a welcome reward of up to $1,250 RewardCash upon successful online application of an for HSBC EveryMile Credit Card[@cards-welcomeoffer]
  • Insurance
    - Apply for HSBC Swift Save Insurance Plan online and use promo code 'HSBCONEPLUS' to get up to 3.15% guaranteed annualised returns in HKD and up to 4.25% guaranteed annualised returns in USD[@accounts-hsbc-one-plus-ssip]
    - Purchase eligible life insurance plans online with promo code 'HSBCONEPLUS' and enjoy up to 60% off on your first-year premium[@accounts-hsbc-one-plus-eligible-insurance-discount]
  • Investment
    New-to-Investment and Multi-Product Holding offer: Enjoy up to $850 RewardCash (RC) when you invest HKD50,000 or more[@accounts-hsbc-one-plus-nti-offer].
  • HSBC Trade25

    - If you're aged 36 or above, have joined HSBC One+, and are also a new-to-stocks customer, you may trade HK, US, and China A stocks with $0 commission[@accounts-t25commission] and $0 platform fees through HSBC Trade25[@accounts-hsbc-one-trade-25]. Grab your exclusive chance to join Trade25 via our online registration form

    - Join HSBC Trade25 and complete 10 designated stock trades to earn up to $1,000 RewardCash (RC) [@accounts-hsbc-one-t25-800rc],[@accounts-hsbc-one-plus-t25-200rc]

  • Cash Instalment Plan
    Extra $200 RewardCash for new credit card customers upon successful application of a Cash Instalment Plan[@cards-visagoldstudent-rc-spi]
  • Foreign exchange
    HSBC One+ exclusive FX coupons[@accounts-hsbc-one-plus-fx-coupon] – Enjoy up to 30% spread discount

How to join HSBC One+

New HSBC One customers

Open an HSBC One account and maintain an average TRB of HKD500,000 or above for three consecutive months to enjoy one year of HSBC One+ membership[@accounts-hsbc-one-plus-membership-req].

Existing HSBC One customers who meet the TRB requirement will get an automatic upgrade to HSBC One+ for one year.

Simply scan the QR code with a mobile device to apply on the HSBC HK App.

QR code to be scanned with mobile device to generate mobile app account opening page journey for sole customers.

Frequently asked questions

How do I check my HSBC One+ status and validity? 

I've just opened an HSBC One account. How do I become an HSBC One+ member? 

Notes

    Risk Disclosure 

    • Terms and conditions apply.
    • To borrow or not to borrow? Borrow only if you can repay!
    • This information and offers are intended for persons in Hong Kong.
    • Investment involves risk.
    • Currency conversion involves risk.
    • The information shown in this website is neither a recommendation, an offer, nor a solicitation for any investment product or service. Investment involves risk. You should carefully consider whether any investment product or service mentioned herein is appropriate for you in view of your personal circumstances. Past performance is no guide to future performance. Investors should refer to the individual product explanatory memorandum or offering document for further details and risks involved. The price of investment products may move up or down. Losses may be incurred as well as profits made as a result of buying and selling investment products.

    Disclaimer 

    The life insurance plans are underwritten by HSBC Life, which is authorised and regulated by the Insurance Authority of the Hong Kong SAR to carry on long-term insurance business in the Hong Kong SAR and is incorporated in Bermuda with limited liability. HSBC Life will be responsible for providing your insurance coverage and handling claims under your life insurance policy. The Bank is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agency of HSBC Life for the distribution of life insurance products in the Hong Kong SAR. The above products are products of HSBC Life but not the Bank and they are intended only for sale in the Hong Kong SAR. They are not a bank deposit or bank savings plan. If the policyholder discontinues and / or surrenders the insurance plan in the early policy years, the amount of the benefit he / she will get back may be considerably less than the amount of the premium he / she has paid. Your benefit is subject to the credit risk of HSBC Life. Your premiums paid will form part of HSBC Life's assets. You do not have any rights or ownership over any of those assets. Your recourse is against HSBC Life only.

    In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between HSBC and you out of the selling process or processing of the related transaction, HSBC is required to enter into a Financial Dispute Resolution Scheme process with you; however, any dispute over the contractual terms of the above insurance product should be resolved between HSBC Life and you directly. For product details, cooling off period and related charges, please refer to the relevant brochures and policy provisions.