One account for all your banking needs
- No minimum balance requirements or monthly account fees
- An all-in-one account with HKD savings and current accounts, 11 foreign currency savings accounts (including RMB), time deposits and investments
- View all of your finances in one consolidated statement
- Manage your account and perform transactions using mobile banking, online banking, express banking, over the phone and in the branch
Manage your banking needs in one integrated account
Choose a savings or current account to meet your needs. Get instant access, a preferential rate on time deposits or renminbi and foreign currency options too
Get convenient cross-border renminbi services including savings, time deposits, transfers, investments and Renminbi Switching Services and benefit from the growing economic links with China
Our range of mortgage options and flexible repayment options make it easier to buy, trade up or refinance your property
Life insurance plans for every lifestage including savings, annuity and term protection. Plus, protect your family with a comprehensive selection of general insurance policies
Enjoy exclusive rewards and privileges when you shop, eat and travel with an HSBC credit card. HSBC credit cards have reward options tailored to your lifestyle
Whatever your goal, a personal loan and an overdraft could help you to access the money you need
Invest and trade with straightforward tools
Place Hong Kong and United States securities orders at any time with just three clicks
Set up transactions to be carried out when your pre-set conditions are met
Stay up to date with the latest IPO issues through eAlerts and apply online 24 hours a day through HSBC IPO Nominees Services
Trade currencies 24 hours a day4 with real-time tradable rates
Track the latest prices and performance of selected securities
Understand and plan your finances
Set up payments, transfers and Time Deposit instructions in advance
Go online to get the latest views from global experts at HSBC on different markets and economies and stay up to date
Free financial planning session
Go online to arrange a free session with our financial professionals to help you design a plan to meet your short- and long-term goals3
Stay up to date with your banking instructions and get market information such as investment order confirmations and IPO updates
The Risk Profiling Questionnaire helps you determine the risk level you should aim for
Ways to bank
Quick and easy to use, online banking puts you in control of your accounts 24 hours a day
Pay bills, transfer money and see your account balance on your smartphone or tablet with the HSBC Mobile Banking app
Access the full range of automated banking services or speak to a customer service officer. Just call (852) 2233 3000
At your local HSBC branch you will find friendly, knowledgeable staff, happy to help with any questions about our products or services. Our branches also have ATMs and other Express Banking machines for fast access to everyday services
Banking is faster and more convenient with our range of withdrawal, deposit and multifunction machines
To borrow or not to borrow? Borrow only if you can repay!
Investment involves risks. Past performance of investment products are no guide to future performance. For details of the investment products and the investment-linked insurance plan, their related fees and charges and risk factors, please refer to the individual product materials/ offering documents.
1 "Personal Integrated Account" is also named as 'SmartVantage'; Personal Integrated Account and SmartVantage are used interchangeably in customer communications including account statement, bank forms / advices, internet banking platform etc.
3 Unit Trusts, Bonds, Certificates of Deposit (CDs), Structured Investment Products and the investment-linked insurance plan are NOT equivalent to, nor should they be treated as a substitute for, time deposits. It is NOT a protected deposit and is NOT protected by the Deposit Protection Scheme in Hong Kong. Unit Trusts are investment products and some may involve derivatives.
Issuer's Risk - Bonds, CDs, Structured Investment Products and the investment-linked insurance plan are subject to both the actual and perceived measures of credit worthiness of the issuer. There is no assurance of protection against a default by the issuer in respect of the repayment obligations. In the worst case scenario (e.g. insolvency of the issuer), you might not be able to recover the principal and any interest/coupon, if applicable, and the potential maximum loss could be 100% of invested amount and no interest/coupon received.
4 The service (exclude USD/CombiNation Passbook Savings account) operates from Monday 5am to Saturday 4.59am and Saturday 8am to 4.30pm. For USD/CombiNation Passbook Savings accounts, the service operates from Monday to Friday 8am to 7pm and Saturday 8am to 4.30pm. However, the service is not available on 1 January, 25 December, 12 midnight to 7.59am on 26 December and 2 January and when a Black Rainstorm Warning Signal or Typhoon No. 8 signal or above has been hoisted.
5 Prior to 1 August 2019, existing customer has to maintain a Total Relationship Balance of HKD5,000 or more, in order to qualify for a Personal Integrated Account. Should the Total Relationship Balance drops below HKD5,000 over the past three months, a below balance fee of HKD60 per month will be applied. The below balance fee applies to each Integrated Account.