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A man is holding a megaphone and a woman is dancing; image used for HSBC One Offer Page.

Life is more rewarding with HSBC One

See what we have to offer, and what offers you can enjoy.

The one to level up your money with

Get more out of banking with HSBC One, and be rewarded for it. Earn RewardCash for treating yourself, boost your financial knowledge and access the tools you need to make the most of your money, right at your fingertips.

Treat yourself to banking with us

Say hello to HSBC One, an all-in-one account designed to bring you the financial features and services you need at far fewer fees. The more you bank, the more rewards you earn.

Open up an HSBC One account today and get up to HKD3,550 in rewards, it's our way of saying thank you1.

What's more, complete our Smart Money Challenge to earn tickets to enter our lucky draw where you could win $1 million in RewardCash2!

Earn more with these offers

a mobile phone is showing HSBC logo; image used for mobile account opening offer section.

Mobile account opening offer

Get up to HKD750 in cash rewards3 when you (being an existing or new HSBC customer) open an HSBC One account via the HSBC HK Mobile Banking app successfully and maintain a certain amount of new funds in February and March 2021.
Transfer new funds of
Earn
Between HKD10,000 to < HKD30,000
HKD150
Between HKD30,000 to < HKD50,000
HKD450
HKD50,000 or above
HKD750
Get up to HKD750 in cash rewards3 when you (being an existing or new HSBC customer) open an HSBC One account via the HSBC HK Mobile Banking app successfully and maintain a certain amount of new funds in February and March 2021.
Transfer new funds of
Between HKD10,000 to < HKD30,000
Earn
HKD150
Transfer new funds of
Between HKD30,000 to < HKD50,000
Earn
HKD450
Transfer new funds of
HKD50,000 or above
Earn
HKD750

Remarks

To enjoy this offer, you must 

  • be a Hong Kong Permanent Resident* aged 18-65 and currently living in Hong Kong
  • not already hold any HSBC Integrated accounts or credit cards at the time of opening an HSBC One account
  • fulfil the requirements as set out in the relevant Promotional Terms and Conditions for the Mobile Account Opening Offer

* This applies to new customers only.

Four golden balls on the stairs; image used for Smart Money Challenge section.

Smart Money Challenge

Be rewarded for building habits that will help you stay on top of your money and make the most of it.

  • Level up with more convenient banking on the go
  • Rack up RewardCash when you activate your credit card as a primary card holder and spend with your card
  • Power up your savings and build your wealth by investing
  • Get a 1-up against the unexpected with an insurance plan
  • Boost up and consolidate your finances by setting up a payroll

No matter if you're already with HSBC One or you're a new HSBC One customer, you can take part in our Smart Money Challenge and enjoy up to HKD1,800 in rewards4

What's more, get a lucky draw ticket for each challenge you complete - you could win the grand prize of $1 million in RewardCash2!

Level up with more convenient banking. Manage your money easily and securely on the HSBC HK Mobile Banking app. Split bills with friends, make local transfers instantly via Faster Payment System (FPS) or send money internationally to any HSBC account for free via HSBC Global Transfers.

Two crackers; image used for HSBC One Million Lucky Draw Section.

HSBC One million lucky draw

We'll be giving away $1 million in RewardCash2 as part of our launch! No matter if you're already an HSBC One customer or you're applying to become one, all you have to do is take on each of the challenges below to earn a ticket for the lucky draw. Increase your chances by completing all 5 challenges to earn 5 tickets.

  • Level up
    Make an eligible transactions via the HSBC HK Mobile Banking app^.
  • Rack up
    Be the primary cardholder of any activated HSBC credit card#.
  • Power up
    Make an investment or hold an investment product^.
  • 1-up
    Hold any HSBC life or medical insurance plan#.
  • Boost up
    Set up salary autopay instructions with HSBC#.

Remarks

^ The transactions must be completed on or before the end of the 3rd calendar month after the month of opening your HSBC One account in order to earn a lucky draw ticket for each challenge. 

# You must continue to hold these products on the last day of the third calendar month after opening your account in order to earn a lucky draw ticket for each challenge.

Seven Russian dolls; image used for Family and Friends Referral Offer section.

Family and friends referral offer

Sharing is caring. Refer a loved one to sign up for HSBC One and you could both earn HKD100 in cash rewards for each referral, up to 10 times11

And if they haven't heard about HSBC One yet, be sure to tell them to check us out.

Making a successful referral

  1. Your loved one who is new to HSBC will need to open an HSBC One account successfully between 27 October 2020 and 31 January 2021 (both dates inclusive).
  2. Within 10 days of opening the account, they'll need to transfer HKD1 to you via Faster Payment System (FPS), with 'MGM' as the 'message to payee'.

A referral is only successful if you're the first HSBC customer to receive this FPS transfer from the loved one. This offer is limited to 10 successful referrals, no matter if you're the one making the referral or getting referred.

A cup cake with candles; image used for Early Bird offer section.

Early bird offer

Thank you for your support. This offer is now closed. If you missed it, don't worry - stay tuned for more HSBC One offers coming soon. 

If you have already registered for the offer, you can enjoy up to HKD800 in cash rewards12 when you open an HSBC One account between 27 October 2020 and 31 January 2021. What's more, you can enjoy this offer on top of our mobile account opening offer, Smart Money Challenge, HSBC One Million Lucky Draw and family and friends referral offer.

Opening an account is easy

Already with HSBC?

If you already hold a Personal Integrated Account with us, you can upgrade to an HSBC One account to unlock better banking at fewer fees instantly.

Not an integrated account holder? No problem. You can open an HSBC One account via mobile banking in minutes.

Apply in branch

Prefer a more personal touch? Visit us at your nearest branch and we'll help you open your HSBC One account.

If you have any questions about applying for an account, you can call us on (852) 2233 3000.

To borrow or not to borrow? Borrow only if you can repay!

Investment involves risk.

Terms and conditions

1 The maximum reward of HKD3,550 is only eligible to customers who successfully open an HSBC One account between 27 October 2020 and 31 January 2021 (both dates inclusive) and fulfil the requirements of the relevant Promotional Terms and Conditions. New HSBC customers can enjoy rewards up to HKD3,550 and existing HSBC Advance customers converted to HSBC One can enjoy rewards up to HKD2,800. It is comprised of the total rewards of up to HKD1,800 under Smart Money Challenge, up to HKD750 cash reward under the Mobile Account Opening Offer, up to HKD1,000 cash reward under the Family and Friends Referral Offer. Terms and conditions apply. Please refer to the relevant Promotional Terms and Conditions for details.

2 The promotional period is from 27 October 2020 to 31 January 2021 (both dates inclusive). This offer is only applicable to HSBC customer who successfully opens an HSBC One account and fulfils the requirements of HSBC One Million Lucky Draw. Terms and conditions apply. Please refer to Section (C) of the HSBC One Promotional Terms and Conditions for details.

3 Terms and Conditions apply.  Please refer to the Promotional Terms and Conditions of Mobile Account Opening Offer for details.

4 The maximum rewards of HKD1,800 is only eligible to customers who successfully open an HSBC One account between 27 October 2020 and 31 January 2021 (both dates inclusive) and fulfill the relevant requirements of the Promotional Terms and Conditions. It comprises the total sum of up to $700 RewardCash under the credit card account opening offer, HKD100 cash reward under the FlexInvest offer, HKD100 cash reward under the Stocks Take-up Offer, up to HKD400 cash coupon under the designated life insurance offer (Calculation based on 2 successful applications of Eligible Life Insurance Plan) and up to HKD500 cash reward under the Payroll Offer. Terms and conditions apply. Please refer to the relevant Promotional Terms and Conditions for details.

5 The promotional period is from 1 November 2020 to 28 February 2021 (both dates inclusive). During the promotional period, upon successful application of an HSBC Red Credit Card or a designated HSBC Visa/UnionPay Credit Card and usage of the respective card to make eligible transactions of HKD/RMB6,000 or above within the first 60 calendar days after card issuance, you can receive a welcome gift of $700 RewardCash (for New Credit Card Customers) or $200 RewardCash (for Existing Credit Card Customers). Designated HSBC Visa/UnionPay Credit Card refers to the HSBC Visa Signature Card, HSBC Visa Platinum Card, HSBC Visa Gold Card, HSBC Pulse UnionPay Dual Currency Diamond Credit Card and HSBC UnionPay Dual Currency Credit Card. Please refer to the relevant Promotional Terms and Conditions for details.

6 The promotional period is from 27 October 2020 to 30 April 2021 (both dates inclusive). Enjoy the HKD100 cash reward and $0 platform fee until 30 April 2021 when you have completed your first-time order via FlexInvest and the order satisfies the requirement below: (a) Successful subscription order of HKD5,000 or above; OR (b) Successful contribution of HKD5,000 or above in one monthly investment plan; during the promotional period and the order must be settled.  Terms and conditions apply. Please refer to the relevant Promotional Terms and Conditions for details.

7 The promotional period is from 27 October 2020 to 31 January 2021 (both dates inclusive). This offer is only applicable to HSBC customer who successfully
opens an HSBC One account and fulfils the requirements of Stocks Take-up Offer with a minimum transaction amount of HKD10,000 or above. Terms and conditions apply. Please refer to Section (A) of the HSBC One Promotional Terms and Conditions for details.

8  The Hong Kong Stocks Offer is effective from 27 October 2020 to 30 April 2021 (both dates inclusive). This offer is only applicable to customers who successfully open a new HSBC One Investment Services Account and who aged 25 or below at time of account opening. $0 brokerage on all trades where cumulative trading volume is below HKD250,000 per calendar month. On trades after trading volume has exceeded HKD250,000 in a single calendar month, we will charge according to our standard tariff. HK stocks only & digital channels only. Standard brokerage fee will be charged upfront and reimbursement will be arranged as per the Terms and Conditions. Monthly Custody Fee (HKD25) and other transaction fees/charges/levy still apply. These include, without limitation, the Securities and Futures Commission of Hong Kong transaction levy, investor compensation levy, Hong Kong Exchange and Clearing Limited trading fee and stamp duty. Terms and conditions apply. Please refer to the relevant Promotional Terms and Conditions for details.

9 The promotional period is from 27 October 2020 to 31 January 2021 (both dates inclusive). This offer is only applicable to HSBC customer who successfully opens an HSBC One account during the promotional period and successfully applied for HSBC Voluntary Health Insurance Flexi Plan or HSBC Family Protector with first year annualised new premium HKD2,000 or above within 3 months of HSBC One account opening. Eligible Customer is entitled to one HKD200 cash coupon per successful application. Please refer to the Policy Provisions for detailed terms, conditions and exclusions. The plans mentioned above include life insurance and medical insurance products. They are not equivalent or similar to any kind of bank deposit. Terms and conditions apply. Please refer to the relevant Promotional Terms and Conditions for details.


HSBC Voluntary Health Insurance Flexi plan and HSBC Family Protector are underwritten by HSBC Life (International) Limited (“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. HSBC Life will be responsible for providing your insurance coverage and handling claims under your life insurance policy. The Hongkong and Shanghai Banking Corporation Limited (“the Bank”) is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of HSBC Life for the distribution of life insurance products in the Hong Kong SAR. 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. For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction, HSBC will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the product should be resolved between HSBC Life and you directly. 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. The above products are products of HSBC Life but not the Bank and they are intended only for sale in the Hong Kong SAR. For product details and related charges, please refer to the relevant brochures and policy provisions.

10 The promotional period is from 27 October 2020 to 31 January 2021 (both dates inclusive). This offer is only applicable to HSBC customer who successfully opens an HSBC One account and fulfils the requirements of Payroll Offer. Terms and conditions apply. Please refer to Section (B) of the HSBC One Promotional Terms and Conditions for details.

11 The offer is only applicable to any existing HSBC Integrated Account holders (“Referrer”) who successfully refer a New HSBC Customer to open an HSBC One account (“Referee”) between 27 October 2020 and 31 January 2021 (both dates inclusive) and fulfils the requirements of the Family and Friends Referral Offer. For each successful referral, both Referrer and Referee can both get HKD100 cash reward. Throughout the promotional period, each customer (in aggregate as Referrer or Referee) will only be entitled to receive up to HKD1,000 cash reward.  Terms and conditions apply. Please refer to the Promotional Terms and Conditions of Family and Friends Referral Offer for details.

12 The cash reward will be calculated based on the first HKD50,000 average daily Total Relationship Balance you hold each month, for the designated 2 months. Terms and conditions apply.

This offer is limited to the first 10,000 new HSBC customers to sign up only. You’re considered a new customer if you don't hold any of these HSBC products during the period from 16 August 2020 to the day you open an HSBC One account

  • sole or joint-name account with HSBC
  • any insurance plans applied for via HSBC

 You'll be considered a new customer and therefore still eligible for the early bird offer if you hold any:

  • personal primary or additional HSBC credit cards
  • HSBC MPF accounts
  • HSBC safe deposit lease accounts
  • Single Trip TravelSurance plans applied for via HSBC

13 To open an account via mobile banking, you must:

  • be a permanent resident aged 18-65 residing in Hong Kong
  • not already hold any HSBC bank or investment accounts, or credit cards.