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Access your savings whenever you need them, and earn interest at the same time.

Start earning interest with just HKD5,000.

  • No monthly service fee if you maintain a balance of more than HKD5,000 (rolling average of previous 3 months, if not you'll pay a fee of HKD50)

  • Access your account via branches, phone banking, online and mobile

Deposit and withdraw renminbi with a simple, flexible savings account that gives you easy access.

Earn interest from your daily balance.

  • Earn bonus interest1 on your account if your Total Relationship Balance is HKD1,000,000 or above

  • Easy to set up standing instructions to make regular payments automatically


1 The balance of Renminbi Savings Account will be included in the calculation of the Total Relationship Balance. Bonus interest rate will be applied if the customer's Total Relationship Balance is over HKD1,000,000.

Manage your foreign currencies flexibly while earning interest on your balance.

Open your account with the equivalent of USD1,000 in 10 major currencies2.

  • Take advantage of favourable interest rate movements and exchange rate movements between currencies

  • See your transaction details easily in one monthly statement3

  • Access your account via branches, phone banking, online and mobile


2 10 major currencies include Australian dollar, Canadian dollar, Euro, Japanese yen, New Zealand dollar, Pound Sterling, Singapore dollar, Swiss franc, Thai baht and US dollar.

3 Applicable to Integrated Account and Statement Savings Account only.

Save your money for a set period of time and get a higher interest rate than in an easy access savings account.

Start saving with just HKD10,000.

  • Choice of term from 1 day to 36 months to suit you

  • Access your account via branches, phone banking, online and mobile

  • HSBC Premier customers may get a preferential interest rate

  • Choice of renewal options on maturity

Put your renminbi in a safe place for a fixed time, earning higher interest than in an easy access account.

Start your savings account with just RMB10,000.

  • A range of tenors to suit you, from one week to one year

  • 24-hour access to your account via phone banking, online and mobile

  • Gives you convenient renminbi services if you have ties to China


4 Renminbi Time Deposit account must be opened with a Renminbi Savings Account under the same name and account number. All Renminbi Time Deposit or withdrawal transactions must be made through the corresponding Renminbi Savings Account.

A choice of 10 major currencies5, and a higher interest rate than equivalent savings accounts for saving for a fixed period.

Open your Foreign Currency Time Deposit account with a minimum deposit equivalent to USD2,000.

  • Interest paid half-yearly on deposits for 18 months or longer, or on maturity

  • Get preferential interest rates, based on your integrated account type, deposit amount, deposit period and Total Relationship Balance

  • Access your Time Deposit via branches, phone banking, online or mobile


5 10 major currencies include Australian Dollar, Canadian Dollar, Euro, Japanese Yen, New Zealand Dollar, Pound Sterling, Singapore Dollar, Swiss Franc, Thai Baht and US Dollar.

Straightforward, streamlined day-to-day banking, designed to make your life easier.

  • Simple, convenient bank account

  • Write paper cheques/ e-Cheques for day-to-day payments

Straightforward day-to-day banking in renminbi.

Manage your money and issue paper paper cheques/ e-Cheques.

  • Issue paper cheques/ e-Cheques in renminbi

  • No maximum balance

  • Access your account 24 hours a day via HSBC Personal Internet Banking or phone banking


6 Renminbi Current Account for Hong Kong residents is i) to issue cheques in Hong Kong with any amount and ii) to retailers across Guangdong Province (including Shenzhen) for consumer spending with up to RMB80,000 amount for each cheque and maximum amount of RMB80,000 in total for settlement per day. In the event that the total amount of all the cheques issued by the same customer in Guangdong Province (including Shenzhen) presented on a particular clearing day exceed RMB80,000, one or more of the cheques will be returned in order to keep the total settlement amount of the relevant cheques for the day to be within the limit of RMB80,000. A Return Cheque Fee will be levied. Renminbi cheques can be issued to individuals and companies in Hong Kong with a valid renminbi account which can accept renminbi cheque deposits. Please check that the individual or company is willing to accept renminbi cheques as a means of payment. Renminbi denominated cheques issued by non-Hong Kong residents are for use in Hong Kong only and are not for use in the Mainland.

Manage money and issue paper cheques/ e-Cheques for day-to-day payments.

Transfers and payments

Transfer funds to any account in Hong Kong and around the world easily, securely and quickly.

Foreign currency management tools

Ways to bank with HSBC

Manage your money online, via ATM, phone or at an HSBC branch

Contact us

By phone

HSBC Premier customers call
(852) 2233 3322 (852) 2233 3322

HSBC Advance customers call
(852) 2748 8333 (852) 2748 8333

Other customers call
(852) 2233 3000 (852) 2233 3000

At an HSBC branch

Find your nearest branch

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Risk Disclosure Select to Expand Select to Collapse

Currency conversion risk - the value of your foreign currency and renminbi deposit will be subject to the risk of exchange rate fluctuation. If you choose to convert your renminbi deposit to other currencies at an exchange rate that is less favorable than the exchange rate in which you made your original conversion to renminbi, you may suffer loss in principal.

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.