Top of main content

Deposit Rate

Find out the latest HSBC deposits rate on MOP, HKD, RMB, USD and other currencies for HSBC savings accounts and time deposit.

Macau Patacas (MOP)

Savings

Savings interest rate as of 23 Dec 2024

MOP Savings interest Rate (p.a.)
Account Balance Interest Rate
Below MOP 5,000 0%
MOP 5,000 or above 0.001%
MOP Savings interest Rate (p.a.)
Account Balance Below MOP 5,000
Interest Rate 0%
Account Balance MOP 5,000 or above
Interest Rate 0.001%

Time Deposit

Time Deposit interest rate as of 11 Dec 2024

MOP Time Deposit Interest Rate (p.a.)
Tenor 1 month 3 months 6 months 12 months
Below MOP 250,000 0.30% 0.32% 0.32% 0.34%
MOP 250,000 to MOP 999,999 0.30% 0.32% 0.32% 0.34%
MOP 1,000,000 or above 0.30% 0.32% 0.32% 0.34%
MOP Time Deposit Interest Rate (p.a.)
Tenor Below MOP 250,000
1 month 0.30%
3 months 0.32%
6 months 0.32%
12 months 0.34%
Tenor MOP 250,000 to MOP 999,999
1 month 0.30%
3 months 0.32%
6 months 0.32%
12 months 0.34%
Tenor MOP 1,000,000 or above
1 month 0.30%
3 months 0.32%
6 months 0.32%
12 months 0.34%

Hong Kong dollar (HKD)

Savings

Savings interest rate as of 23 Dec 2024

HKD Savings interest Rate (p.a.)
Account Balance Interest Rate
Below HKD 5,000 0%
HKD 5,000 or above 0.001%
HKD Savings interest Rate (p.a.)
Account Balance Below HKD 5,000
Interest Rate 0%
Account Balance HKD 5,000 or above
Interest Rate 0.001%

Time Deposit

Time Deposit interest rate as of 11 Dec 2024

HKD Time Deposit Interest Rate (p.a.)
Tenor 1 month 3 months 6 months 12 months
Below HKD 250,000 0.375% 0.40% 0.40% 0.425%
HKD 250,000 to HKD 999,999 0.375% 0.40% 0.40% 0.425%
HKD 1,000,000 or above 0.375% 0.40% 0.40% 0.425%
HKD Time Deposit Interest Rate (p.a.)
Tenor Below HKD 250,000
1 month 0.375%
3 months 0.40%
6 months 0.40%
12 months 0.425%
Tenor HKD 250,000 to HKD 999,999
1 month 0.375%
3 months 0.40%
6 months 0.40%
12 months 0.425%
Tenor HKD 1,000,000 or above
1 month 0.375%
3 months 0.40%
6 months 0.40%
12 months 0.425%

Renminbi (CNY)

Savings

Savings interest rate as of 23 Dec 2024

CNY Savings interest Rate (p.a.)
Account Balance Interest Rate
Below CNY 5,000 0%
CNY 5,000 or above 0.30%
CNY Savings interest Rate (p.a.)
Account Balance Below CNY 5,000
Interest Rate 0%
Account Balance CNY 5,000 or above
Interest Rate 0.30%

Time Deposit

Time Deposit interest rate as of 11 Dec 2024

CNY Time Deposit Interest Rate (p.a.)
Tenor 1 month 3 months 6 months 12 months
Below CNY 250,000 0.25% 0.30% 0.30% 0.35%
CNY 250,000 to CNY 999,999 0.25% 0.30% 0.30% 0.35%
CNY 1,000,000 or above 0.30% 0.35% 0.35% 0.40%
CNY Time Deposit Interest Rate (p.a.)
Tenor Below CNY 250,000
1 month 0.25%
3 months 0.30%
6 months 0.30%
12 months 0.35%
Tenor CNY 250,000 to CNY 999,999
1 month 0.25%
3 months 0.30%
6 months 0.30%
12 months 0.35%
Tenor CNY 1,000,000 or above
1 month 0.30%
3 months 0.35%
6 months 0.35%
12 months 0.40%

United States dollar (USD)

Savings

Savings interest rate as of 23 Dec 2024

USD Savings interest Rate (p.a.)
Account Balance Interest Rate
Below USD 1,000 0%
USD 1,000 or above 0.001%
USD Savings interest Rate (p.a.)
Account Balance Below USD 1,000
Interest Rate 0%
Account Balance USD 1,000 or above
Interest Rate 0.001%

Time Deposit

Time Deposit interest rate as of 11 Dec 2024

USD Time Deposit Interest Rate (p.a.)
Tenor 1 month 3 months 6 months 12 months
Below USD 50,000 0.50% 0.525% 0.55% 0.60%
USD 50,000 to USD 199,999 0.50% 0.525% 0.55% 0.60%
USD 200,000 or above 0.50% 0.525% 0.55% 0.60%
USD Time Deposit Interest Rate (p.a.)
Tenor Below USD 50,000
1 month 0.50%
3 months 0.525%
6 months 0.55%
12 months 0.60%
Tenor USD 50,000 to USD 199,999
1 month 0.50%
3 months 0.525%
6 months 0.55%
12 months 0.60%
Tenor USD 200,000 or above
1 month 0.50%
3 months 0.525%
6 months 0.55%
12 months 0.60%

Pound Sterling (GBP)

Savings

Savings interest rate as of 23 Dec 2024

GBP Savings interest Rate (p.a.)
Account Balance Interest Rate
Below GBP 150 0%
GBP 150 or above 0.001%
GBP Savings interest Rate (p.a.)
Account Balance Below GBP 150
Interest Rate 0%
Account Balance GBP 150 or above
Interest Rate 0.001%

Time Deposit

Time Deposit interest rate as of 11 Dec 2024

GBP Time Deposit Interest Rate (p.a.)
Tenor 1 month 3 months 6 months 12 months
Below GBP 50,000 0.20% 0.30% 0.50% 0.70%
GBP 50,000 to GBP 199,999 0.20% 0.30% 0.50% 0.70%
GBP 200,000 or above 0.20% 0.30% 0.50% 0.70%
GBP Time Deposit Interest Rate (p.a.)
Tenor Below GBP 50,000
1 month 0.20%
3 months 0.30%
6 months 0.50%
12 months 0.70%
Tenor GBP 50,000 to GBP 199,999
1 month 0.20%
3 months 0.30%
6 months 0.50%
12 months 0.70%
Tenor GBP 200,000 or above
1 month 0.20%
3 months 0.30%
6 months 0.50%
12 months 0.70%

Australian dollar (AUD)

Savings

Savings interest rate as of 23 Dec 2024

AUD Savings interest Rate (p.a.)
Account Balance Interest Rate
Below AUD 400 0%
AUD 400 or above 0.001%
AUD Savings interest Rate (p.a.)
Account Balance Below AUD 400
Interest Rate 0%
Account Balance AUD 400 or above
Interest Rate 0.001%

Time Deposit

Time Deposit interest rate as of 11 Dec 2024

AUD Time Deposit Interest Rate (p.a.)
Tenor 1 month 3 months 6 months 12 months
Below AUD 50,000 0.25% 0.30% 0.40% 0.60%
AUD 50,000 to AUD 199,999 0.25% 0.30% 0.40% 0.60%
AUD 200,000 or above 0.25% 0.30% 0.40% 0.60%
AUD Time Deposit Interest Rate (p.a.)
Tenor Below AUD 50,000
1 month 0.25%
3 months 0.30%
6 months 0.40%
12 months 0.60%
Tenor AUD 50,000 to AUD 199,999
1 month 0.25%
3 months 0.30%
6 months 0.40%
12 months 0.60%
Tenor AUD 200,000 or above
1 month 0.25%
3 months 0.30%
6 months 0.40%
12 months 0.60%

Canadian dollar (CAD)

Savings

Savings interest rate as of 23 Dec 2024

CAD Savings interest Rate (p.a.)
Account Balance Interest Rate
Below CAD 400 0%
CAD 400 or above 0.001%
CAD Savings interest Rate (p.a.)
Account Balance Below CAD 400
Interest Rate 0%
Account Balance CAD 400 or above
Interest Rate 0.001%

Time Deposit

Time Deposit interest rate as of 11 Dec 2024

CAD Time Deposit Interest Rate (p.a.)
Tenor 1 month 3 months 6 months 12 months
Below CAD 50,000 0.25% 0.35% 0.55% 0.65%
CAD 50,000 to CAD 199,999 0.25% 0.35% 0.55% 0.65%
CAD 200,000 or above 0.25% 0.35% 0.55% 0.65%
CAD Time Deposit Interest Rate (p.a.)
Tenor Below CAD 50,000
1 month 0.25%
3 months 0.35%
6 months 0.55%
12 months 0.65%
Tenor CAD 50,000 to CAD 199,999
1 month 0.25%
3 months 0.35%
6 months 0.55%
12 months 0.65%
Tenor CAD 200,000 or above
1 month 0.25%
3 months 0.35%
6 months 0.55%
12 months 0.65%

New Zealand dollar (NZD)

Savings

Savings interest rate as of 23 Dec 2024

NZD Savings interest Rate (p.a.)
Account Balance Interest Rate
Below NZD 400 0%
NZD 400 or above 0.001%
NZD Savings interest Rate (p.a.)
Account Balance Below NZD 400
Interest Rate 0%
Account Balance NZD 400 or above
Interest Rate 0.001%

Time Deposit

Time Deposit interest rate as of 11 Dec 2024

NZD Time Deposit Interest Rate (p.a.)
Tenor 1 month 3 months 6 months 12 months
Below NZD 50,000 0.25% 0.35% 0.50% 0.70%
NZD 50,000 to NZD 199,999 0.25% 0.35% 0.50% 0.70%
NZD 200,000 or above 0.25% 0.35% 0.50% 0.70%
NZD Time Deposit Interest Rate (p.a.)
Tenor Below NZD 50,000
1 month 0.25%
3 months 0.35%
6 months 0.50%
12 months 0.70%
Tenor NZD 50,000 to NZD 199,999
1 month 0.25%
3 months 0.35%
6 months 0.50%
12 months 0.70%
Tenor NZD 200,000 or above
1 month 0.25%
3 months 0.35%
6 months 0.50%
12 months 0.70%

Euro (EUR)

Savings

Savings interest rate as of 23 Dec 2024

EUR Savings interest Rate (p.a.)
Account Balance Interest Rate
Below EUR 200 0%
EUR 200 or above 0%
EUR Savings interest Rate (p.a.)
Account Balance Below EUR 200
Interest Rate 0%
Account Balance EUR 200 or above
Interest Rate 0%

Time Deposit

Time Deposit interest rate as of 11 Dec 2024

EUR Time Deposit Interest Rate (p.a.)
Tenor 1 month 3 months 6 months 12 months
Below EUR 50,000 0.10% 0.15% 0.20% 0.20%
EUR 50,000 to EUR 199,999 0.10% 0.15% 0.20% 0.20%
EUR 200,000 or above 0.10% 0.15% 0.20% 0.20%
EUR Time Deposit Interest Rate (p.a.)
Tenor Below EUR 50,000
1 month 0.10%
3 months 0.15%
6 months 0.20%
12 months 0.20%
Tenor EUR 50,000 to EUR 199,999
1 month 0.10%
3 months 0.15%
6 months 0.20%
12 months 0.20%
Tenor EUR 200,000 or above
1 month 0.10%
3 months 0.15%
6 months 0.20%
12 months 0.20%

Swiss Franc (CHF)

Savings

Savings interest rate as of 23 Dec 2024

CHF Savings interest Rate (p.a.)
Account Balance Interest Rate
Below CHF 400 0%
CHF 400 or above 0%
CHF Savings interest Rate (p.a.)
Account Balance Below CHF 400
Interest Rate 0%
Account Balance CHF 400 or above
Interest Rate 0%

Time Deposit

Time Deposit interest rate as of 11 Dec 2024

CHF Time Deposit Interest Rate (p.a.)
Tenor 1 month 3 months 6 months 12 months
Below CHF 50,000 0.001% 0.001% 0.001% 0.001%
CHF 50,000 to CHF 199,999 0.001% 0.001% 0.001% 0.001%
CHF 200,000 or above 0.001% 0.001% 0.001% 0.001%
CHF Time Deposit Interest Rate (p.a.)
Tenor Below CHF 50,000
1 month 0.001%
3 months 0.001%
6 months 0.001%
12 months 0.001%
Tenor CHF 50,000 to CHF 199,999
1 month 0.001%
3 months 0.001%
6 months 0.001%
12 months 0.001%
Tenor CHF 200,000 or above
1 month 0.001%
3 months 0.001%
6 months 0.001%
12 months 0.001%

Singapore dollar (SGD)

Savings

Savings interest rate as of 23 Dec 2024

SGD Savings Interest Rate (p.a.)
Account Balance Interest Rate
Below SGD 400 0%
SGD 400 or above 0.001%
SGD Savings Interest Rate (p.a.)
Account Balance Below SGD 400
Interest Rate 0%
Account Balance SGD 400 or above
Interest Rate 0.001%

Time Deposit

Time Deposit interest rate as of 11 Dec 2024

SGD Time Deposit Interest Rate (p.a.)
Tenor 1 month 3 months 6 months 12 months
Below SGD 50,000 0.01% 0.01% 0.01% 0.01%
SGD 50,000 to SGD 199,999 0.01% 0.01% 0.01% 0.01%
SGD 200,000 or above 0.01% 0.01% 0.01% 0.01%
SGD Time Deposit Interest Rate (p.a.)
Tenor Below SGD 50,000
1 month 0.01%
3 months 0.01%
6 months 0.01%
12 months 0.01%
Tenor SGD 50,000 to SGD 199,999
1 month 0.01%
3 months 0.01%
6 months 0.01%
12 months 0.01%
Tenor SGD 200,000 or above
1 month 0.01%
3 months 0.01%
6 months 0.01%
12 months 0.01%

Risk Disclosure:

  • Currency conversion risk – the value of your foreign currency deposit will be subject to the risk of exchange rate fluctuation. If you choose to convert your foreign currency 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, you may suffer loss in principal.
  • The above interest rates are for reference only and are subject to related Terms & Conditions. The interest rates are subject to revision as per prevailing market conditions. Deposits in different currencies, tenors and amount will have different preferential time deposit interest rates. We will confirm and advise you the applicable interest rate at the time when the time deposit is placed. For the latest interest rates, please contact our branch staff.
  • Any advertisements, marketing or promotional materials, market information or other information relating to any product or service made available to you shall not, by itself, constitute solicitation of the sale or recommendation of any product or service.
  • The information in this material does not constitute a solicitation or recommendation for making any deposit or offer for the purchase or sale of or investment in any products.
Back to top