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Personal Integrated Account1

Take control of your finances anytime, anywhere, with convenient self-service banking and financial tools.
All-in-one banking and financial planning

The easy way to manage everything from credit cards to deposits and investments, all in one place.

  • Manage your finances online, by phone or at ATMs, 24 hours a day
  • Enjoy preferential time deposit rates and a range of credit card, overdraft and loan options
  • Access eAlerts and 24-hour online investment and financial planning tools
  • Make a wide range of transactions online including bill payments, fund transfers and trading in investments

Account Overview

  • One account for everything

    Integrate everything from everyday banking and credit to savings and insurance. You’ll have access to a huge range of services, including foreign currency deposits and renminbi services. A single, easy-to-read monthly statement helps you grasp your complete financial situation at a glance.
  • Control your finances

    Quickly and easily manage your day-to-day banking, borrowing, savings and investments online. Our user-friendly eAlerts and online tools make it simple to keep track of your finances and give you up-to-date market information to enable your decision-making.
  • Simple to use

    Manage your integrated account online, over the phone or on smartphone.


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

Manage a wide range of investments including IPO2, foreign exchange, local stocks2, United States stocks2 , China A and unit trusts3. Plus, purchase structured products3, bonds3, certificates of deposit3 and monthly investment plans

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

Financial calendar

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

eAlert service

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


If you maintain a Total Relationship Balance5 of HKD5,000 or more, you qualify for a Personal Integrated Account. Should your Total Relationship Balance drop below HKD5,0006, a below balance fee of HKD60 per month will be applied, based on your average over the past three months.


Account Resources

Related products


Trade currencies online with real-time tradable rates.


Enjoy exclusive rewards and privileges when you shop, eat and travel with an HSBC credit card.


Whatever your goal, a personal loan could help you to access the money you need.

Contact us

By phone

Call our application hotline on
(852) 2233 3722 

Other customers call
(852) 2233 3000



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.

2 The price of securities may move up or down and may become valueless. Losses may be incurred as well as profits made as a result of buying and selling securities.

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 Rolling average of the previous three months.

6 The monthly below balance fee applies to each Integrated Account. Please refer to the Bank Tariff Guide for details.