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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 12 major currencies with your HSBC One account. Enjoy exclusive benefits such as 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

Join HSBC One+ and earn rewards worth up to HKD9,300[@accounts-hsbc-one-plus-total-rewards]

HSBC One+ offers exclusive savings, wealth management, foreign exchange, and lifestyle privileges, which help you earn your first bucket of gold and achieve new life goals. Get cash rewards of up to HKD3,400 for bringing in new funds[@accounts-hsbc-one-plus-new-funds-etb],[@accounts-hsbc-one-plus-new-funds-ntb] and enjoy other exclusive offers.

Who can become an HSBC One+ member 

How to check the status or validity of HSBC One+ membership 

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

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

  • HSBC Trade25 limited-time offer: Enjoy a lifetime $0 commission stock trading, and earn up to $800 RewardCash[@accounts-hsbc-one-t25-800rc], by completing 8 eligible stock trades
  • Foreign exchange & time deposit offer: Exchange designated currencies and set up a 1-week time deposit via HSBC HK App to enjoy up to 12.5% p.a. time deposit rate[@accounts-fx-td-offer-2025q4]
  • New-to-investment and multi-product-holding offer: Earn up to $325 RC for accumulating an investment amount of HKD50,000 or above (excluding fees and charges)[@accounts-hsbc-one-plus-nti-offer]
  • Deposit new funds at or above a designated amount to enjoy up to HKD3,400 in cash rewards[@accounts-hsbc-one-plus-new-funds-ntb]

Investment and currency exchange involve 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 12 major currencies anytime anywhere.

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 3 months to enjoy exclusive benefits.

Discover how we help you get the most out of life

Earn extra interest income

Set up a foreign currency time deposit to earn more interest than in a savings account, with as little as the equivalent of USD2,000.

  • Choice of multiple currencies – Australian dollar, Canadian dollar, euro, Japanese yen, New Zealand dollar, pound sterling, Singapore dollar, Swiss franc, Thai baht and United States dollar
  • Receive interest half-yearly (for deposit periods of 18 months or more) or at maturity
  • Choose a deposit period between 1 week and 36 months
  • Enjoy a preferential interest rate based on your deposit amount, deposit period and Total Relationship Balance (TRB)

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

HSBC One+

If you've maintained an average Total Relationship Balance of HKD500,000 or above with us in the past 3 months, you can now become an HSBC One+ member[@accounts-hsbc-one-plus-membership-req] and enjoy exclusive savings, wealth management, foreign exchange, and lifestyle privileges for one year.

Key highlights of exclusive offers for HSBC One+ Members

  • Trade HK, US and China A stocks with $0 commission with HSBC Trade25, and earn up to $1,000 RewardCash[@accounts-hsbc-one-t25-800rc],[@accounts-hsbc-one-plus-t25-200rc] by completing 10 eligible stock trades
  • Deposit new funds to earn cash rebates[@accounts-hsbc-one-plus-new-funds-etb],[@accounts-hsbc-one-plus-new-funds-ntb]
  • New-to-investment and multi-product holding offers[@accounts-hsbc-one-plus-nti-offer]

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

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 8% RewardCash at designated merchants and up to 4% RewardCash when you shop online[@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 12 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.

Get more from your payroll with exclusive rewards!

HSBC Payroll Lucky Draw[@accounts-one-payroll-details]

  • New and Existing Auto-Payroll Customers who registered for 'Exclusive offers for Auto-Payroll Customers' and have an Eligible Payroll Record[@accounts-payroll-eligible-record] can join a lucky draw for a chance to win a 'Round-the-World Trip in Business Class'[@accounts-payroll-rtw-lucky-draw] ($80,000 RewardCash, equivalent to 800,000 Miles).

 

Payroll Welcome Offers[@accounts-one-payroll-details]

  • New Auto-Payroll Customers who registered for 'Exclusive offers for Auto-Payroll Customers' and have Eligible Payroll Records[@accounts-payroll-eligible-record], can earn up to $1,500 RewardCash and lifestyle rewards of up to HK$600.

 

Exclusive offers for Auto-Payroll Customers[@accounts-one-payroll-details]:

  • Up to $18,000 in online rebates upon successfully applying for and drawing down a Personal Instalment Loan[@accounts-one-payroll-details].
  • Apply for selected Voluntary Health Insurance Scheme (VHIS) plans[@insurance-vhis-plans] to get up to 50% discount on your first year premiums[@accounts-payroll-vhis-offer]. To be eligible, maintain at least two consecutive months of auto-payroll records from Jul to Sep as a new-to auto-payroll customer; or any payroll record from Jan to Jun as an existing auto-payroll customer. Discount of premiums is not tax deductible. Application windows and discount rates are subject to the applicable T&Cs (PDF). 

Terms and conditions apply. Learn more.

Payroll rewards 

Secure your future  

HSBC One+ offers 

Reward+ offers 

Open an HSBC One account

Apply on HSBC HK App

For non-HKID holders who open an HSBC One account on or after 1 January 2026, the Below Balance Fee (BBF) of HKD100 per month will be waived if an average Total Relationship Balance (TRB) of HKD10,000 is maintained for 3 consecutive months. 

Non-HKID holder customers who opened their HSBC One accounts before 1 January 2026 or customers who open their accounts using an HKID will not be subject to any minimum TRB or BBF - learn more details (PDF).

Lower transfer and cash withdrawal limits also apply to designated HSBC One non-HKID customers during the first 6 months after account opening - learn more details (PDF).

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

Apply in branch 

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
Want to turn your everyday banking into a rewarding journey? Download HSBC Reward+ now to start earning RewardCash and use just the way you like!
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.
    • The information shown in this website is neither a recommendation, an offer, nor a solicitation for any investment product or service. Investment involves risk. You should carefully consider whether any investment product or service mentioned herein is appropriate for you in view of your personal circumstances. Past performance is no guide to future performance. Investors should refer to the individual product explanatory memorandum or offering document for further details and risks involved. The price of investment products may move up or down. Losses may be incurred as well as profits made as a result of buying and selling investment products.

     

    Tax Implications

    Tax deduction eligibility is only applicable to policyholders or his/her spouse who are Hong Kong taxpayers. Tax deduction for the qualifying premiums paid under VHIS policy (not including levy) will be based on the premiums paid after deducting the premium discount (if any). You should refer to the website of the Inland Revenue Department or contact the IRD directly for any tax related enquiries.

     

    Disclaimer

    The life insurance plans 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 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.

    The HSBC VHIS Plans 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 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. 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.

    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.