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HSBC One

Our all-in-one account offers a comprehensive digital banking experience with exclusive lifestyle benefits and great rewards!

HSBC One - the digital wealth banking suite to help you achieve financial freedom

Spend and save in 11 major currencies with your HSBC One account. Enjoy exclusive benefits such as the new Flash Friday rewards, auto-payroll setup and saving rates offers. You can invest or make time deposits and more, all without having to maintain a minimum total relationship balance with us. Open an account on your mobile in just 5 minutes[@accounts-hsbc-one-5-min].

Elevate your lifestyle with our exclusive benefits

HSBC One is here for your every first

Whether it's your first graduation trip, your first part-time job, or the first-time making decision about your future, HSBC One is here to support you! Until 30 September 2025, customers aged 18 to 25 who join HSBC One can earn rewards worth up to HKD1,700:

  • Register and add funds of HKD2,000 or more within one month after account opening to enjoy complimentary 3-in-1 annual travel insurance protection, including overseas medical, baggage and personal belongings, and personal accident coverage[@accounts-hsbc-one-happy-first-travel]
  • Up to 3.5% p.a. Online New Fund Time Deposit rates and earn extra $250 RewardCash
  • Extra $200 RewardCash: Apply online for an HSBC Red Credit Card or HSBC Visa Gold Card for Students
  • HKD200 Klook e-Gift Card: Apply online for an eligible life insurance plan[@accounts-hsbc-one-all-your-firsts] with 'HAPPYFIRST' (annualised new premium of HKD20,000 or above)
  • $20 RewardCash: HKD20,000 or more (or equivalent) FX transaction in designated currencies
  • A total of HKD30 PayMe multi-merchant vouchers​
  • HKD1,000 Apple gift card: Join Trade25 and complete 10 eligible transactions in Hong Kong, US, or China A-shares[@accounts-t25-eligible-stock-transaction]

Terms and conditions apply.

Join HSBC One to experience low threshold and value for money banking!

Open an HSBC One account and enjoy the following as welcome offers:

  • Up to 6.4% p.a. HKD bonus savings interest rate[@accounts-hsbc-one-savings-rate]
  • HSBC Trade25 limited-time offer: Enjoy a lifetime $0 commission stock trading, and earn up to HKD1,000 Apple Gift Card[@accounts-t25-eligible-stock-transaction]  by completing 10 eligible transactions[@accounts-t25commission]

Investment involves risks. Terms and conditions apply.

Key features

Manage your money on the go with one app

Manage your wealth, set up payroll, place deposits, or convert 11 major currencies anytime anywhere – all with zero minimum balance requirements.

Invest and insure without any worries

Build a portfolio with access to the right tools and information on our trusted investment platform. Enjoy easy access and low entry barriers, making it simpler for you to start your investment journey. Plus, enjoy all-round protection with insurance policy support whenever you need.

Earn rewards that match your lifestyle

Earn rewards and much more when you dine, shop, play and travel with HSBC credit cards, debit cards and Personal Instalment Loan.

Enjoy exclusive upgraded benefits when you add funds

Simply maintain an average Total Relationship Balance of HKD500,000 or above with us in previous 2 months to enjoy exclusive benefits.

Discover how we help you get the most out of life

Let your interest grow

Make the most of your money instead of letting it sit idle. Simply complete these 5 challenges to enjoy exclusive savings rate of up to 6.4% p.a., whether you're a new HSBC One customer, or an eligible existing customer. Unlock an additional bonus with each challenge.

  • Deposit new funds
  • Exchange foreign currencies
  • Become new-to-investment customers
  • Take up new eligible life insurance plan
  • Pay merchants with PayMe

Invest and insure without any worries

Enjoy more investment and insurance perks with HSBC One 2.0!

  • HSBC One 2.0 'Investment Start Up': Level up in your investment game with our AI Avatar
  • Join HSBC Trade25 and start trading in HK, US and China A stock markets with a lifetime $0 commission and $0 platform fee[@accounts-t25commission]. HKD25 per month is only required if you trade or hold stocks with us in the respective month
  • Explore HSBC TradeTrack on HSBC HK Easy Invest app for the top 10 Hong Kong stocks other HSBC Investors are actively trading in to get insights for your next trade
  • Build your own diversified investment portfolio with FlexInvest, starting from just HKD100
  • View your insurance policy details and coverage on the HSBC HK App, any time – full disclosure, zero pressure

Add funds, reap rewards

Maintain an average Total Relationship Balance(PDF) of HKD500,000 or above with us in previous 2 months to access exclusive upgraded benefits.

Learn how to check your Total Relationship Balance (TRB).

Earn rewards as you spend or borrow

Discover the hottest year-round offers with HSBC credit cards and HSBC Mastercard® Debit Card.

  • Earn up to 4% RewardCash when you shop online and 1% RewardCash on designated spending categories[@accounts-red-card-rc] with the HSBC Red Credit Card
  • Do more with your exchanged currencies abroad with HSBC Mastercard® Debit Card. Shop, spend, or withdraw cash from HSBC ATMs worldwide, all while enjoying zero annual fees or handling fees
  • HSBC credit cards and debit cards bring you the hottest year-round offers at over 10,000 dining and shopping and entertainment outlets
  • Redeem rewards the way you want! Use HSBC Reward+ to convert your RewardCash instantly to miles, gifts, merchant partner loyalty points or settle your credit card bills – in just a few taps

Manage your everyday banking on the go

Open an HSBC One account via HSBC HK App in just 5 minutes[@accounts-hsbc-one-5-min], and banking smarter with these features.

  • Make 24/7 exchanges for up to 11 major currencies[@accounts-hsbc-one-fx-currency] on the HSBC HK App, or set up FX Order Watch or rate alerts to save you the hassle of watching the market
  • Track expenses from all your HSBC bank accounts and credit cards using the 'Budget' feature. Find out where you spend the most, and set monthly budgets to monitor your expenses. We'll also remind you when you overspend.
  • Use Future Planner to project your finances for every stage of your life. We'll run real-time simulations and show you how likely you are to achieve your personal goals.
  • Speak to our representative via 'Chat with us' for any wealth management and investment queries

Stay in shape with our special health privileges

Health is the key to winning it all. As HSBC One customers, you and your family can enjoy:

  • up to 64% discount on select health check programmes at private hospitals
  • up to 22% discount on health check, Weight Management & Speech Therapist package for Child, along with discount on Men/Women programmes at Hong Kong Adventist Hospital - Stubbs Road
  • over 100 healthcare offers (including Health Check, Vaccination, Lasik and Eye Care, Chinese Medicine and Others) if you hold an HSBC credit card

Check out details of our private hospitals health check offer 

Get more from life with rewards exclusive to HSBC One

Live your best life with financial freedom. Make the most of our offers across savings, investment and insurance, health and more.

Unlock exciting rewards for travel, entertainment, and health – every second Friday of the month. Hurry, the offer is first come, first served!

Mark your calendars for 11:00am on 11 July 2025 for the next Flash Friday! Win 2 Emperor Cinemas Movie e-Vouchers (worth HKD280)​, limited to 900 quota up for grabs!

  • Grab your chance! Simply register to enjoy your Flash Friday rewards
  • Make sure you've completed a minimum of 2 transactions of any one of the eligible digital activities in previous month.

Terms and conditions (PDF) apply.

Flash Friday✌🏻 Lifestyle Rewards 

Save more, earn more 

Secure your future  

Enjoy rewards upgrade 

Open an HSBC One account

Apply on HSBC HK App

Open an HSBC One account as a new customer, or upgrade your existing Personal Integrated Account or standalone HSBC deposit accounts, via HSBC HK Mobile Banking app[@premier-apply-via-app] in less than 5mins[@accounts-hsbc-one-5-min].

Already banking with us?

But not an integrated account holder? Not a problem. You can open an HSBC One account via mobile banking in minutes.

If you're on a desktop, scan the QR code with a mobile device to apply on the app, no matter you're a new customer or already banking with us.

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

Other ways to apply

Additional information

New to HSBC? Open an account via the HSBC HK Mobile Banking app in 4 steps 

What counts toward my Total Relationship Balance (TRB)? 

Eligibility 

Digital financial management at your fingertips   

mobile banking
Open a bank account in minutes and manage your money on the go.
easy invest
Trade stocks, see market trends and get in-depth analyses and stock quotes on the go with the HSBC HK Easy Invest app.
reward
Discover the latest offers and deals in town, and make the most of your RewardCash.
payme by HSBC

Split bills with your friends in just a few taps and pay anyone instantly.

SVF Licence Number: SVFB002

Notes

    Risk Disclosure 

    • 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 and past performance is not indicative of future performance. Please refer to the offering documents for further details, including fees and charges and risk factors.
    • The price of products may move up or down. Losses may be incurred as well as profits made as a result of buying and selling products.
    • Currency conversion risk - the value of your foreign currency and RMB deposit will be subject to the risk of exchange rate fluctuation. If you choose to convert your foreign currency and RMB deposit to other currencies at an exchange rate that is less favourable than the exchange rate in which you made your original conversion to that foreign currency and RMB, you may suffer loss in principal.
    • Board Rate is only applicable to HKD Saving Account(s). Board Rate stated above are for reference only and are not guaranteed. The aforesaid rate is subject to change from time to time and at the Bank's sole and absolute discretion. For the latest Board Rate, please visit HSBC website > Banking > Savings accounts > Find out more > Interest rates.
    • The above interest rates are for reference only.  They are not guaranteed and maybe subject to revision, as per prevailing market conditions.


    Tax Implications

    Qualifying Deferred Annuity Policy(“QDAP”): The certification status of the above QDAPs do not automatically guarantee that you will be eligible for a tax deduction for QDAP premiums you have paid. The certification status of the QDAPs is based on the features of the product as well as their compliance with the criteria set out in the guideline issued by the Insurance Authority (“IA”); not necessarily matters regarding other tax related criteria or your personal situation. Before claiming any tax deductions, you must meet all eligibility requirements set out in the provisions under the Inland Revenue Ordinance, while following the guidance issued by the Inland Revenue Department (“IRD”) of the Hong Kong SAR. Please note that the actual tax benefits of these policies would depend on your personal tax position and there might not be tax deductions benefits if you are not subject to salaries tax and personal assessment in the relevant year of assessment. You should refer to the website of the IRD (www.ird.gov.hk) or contact the IRD directly for any tax related enquiries.

     

    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.