Save in up to 8 currencies and earn more interest than in a savings account. You can open an account with 5,000 units in foreign currency.
Benefits and services
- Choose from the following currencies – Australian dollar, Canadian dollar, euro, New Zealand dollar, pound sterling, Swiss franc, Singapore dollar and United States dollar
- Access your account via branches, HSBC phonebanking or Internet
- Deposit tenors range from seven day to 12 months
- Choose from a number of renewal options when your time deposit matures
Time Deposit
Place a time deposit with new fund to enjoy preferential interest rates.
Terms and conditions apply.
New Foreign Currency Fund Exchange and Time Deposit Offer – Branch / Phone Banking Offer
Enjoy a preferential currency exchange rate and preferential time deposit rates when you exchange designated currencies and place them in a time deposit.
| Currency | Tenor | Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) | Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau) |
|---|---|---|---|
| AUD | 3 months | 3.35% | 3.25% |
| AUD | 6 months | 3.25% | 3.15% |
| AUD | 12 months | 3.15% | 3.05% |
| CAD | 3 months | 1.95% | 1.85% |
| CAD | 6 months | 1.85% | 1.75% |
| CAD | 12 months | 1.70% | 1.60% |
| GBP | 3 months | 3.75% | 3.65% |
| GBP | 6 months | 3.70% | 3.60% |
| GBP | 12 months | 3.60% | 3.50% |
| NZD | 3 months | 2.85% | 2.75% |
| NZD | 6 months | 2.55% | 2.45% |
| NZD | 12 months | 2.35% | 2.25% |
| Currency | AUD |
|---|---|
| Tenor | 3 months |
| Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) | 3.35% |
| Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau) | 3.25% |
| Currency | AUD |
| Tenor | 6 months |
| Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) | 3.25% |
| Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau) | 3.15% |
| Currency | AUD |
| Tenor | 12 months |
| Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) | 3.15% |
| Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau) | 3.05% |
| Currency | CAD |
| Tenor | 3 months |
| Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) | 1.95% |
| Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau) | 1.85% |
| Currency | CAD |
| Tenor | 6 months |
| Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) | 1.85% |
| Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau) | 1.75% |
| Currency | CAD |
| Tenor | 12 months |
| Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) | 1.70% |
| Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau) | 1.60% |
| Currency | GBP |
| Tenor | 3 months |
| Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) | 3.75% |
| Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau) | 3.65% |
| Currency | GBP |
| Tenor | 6 months |
| Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) | 3.70% |
| Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau) | 3.60% |
| Currency | GBP |
| Tenor | 12 months |
| Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) | 3.60% |
| Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau) | 3.50% |
| Currency | NZD |
| Tenor | 3 months |
| Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) | 2.85% |
| Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau) | 2.75% |
| Currency | NZD |
| Tenor | 6 months |
| Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) | 2.55% |
| Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau) | 2.45% |
| Currency | NZD |
| Tenor | 12 months |
| Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) | 2.35% |
| Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau) | 2.25% |
Notes:
- Interest rate only applies to new funds and the minimum deposit amount must not less than 12,000 units.
- The promotional period is from 20 Jan 2025 to 31 Dec 2025, both dates are inclusive ("Promotional Period").
- The above promotion does not constitute any investment advice and subject to Terms and Conditions.
- Terms and Conditions apply. The above interest rates are indicative as of 20 Jan 2025 and are for reference only. They are not guaranteed and maybe 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.
- If customers cancel the time deposit before the deposit maturity date, HSBC Bank will impose relevant fees.
Interest rates
To find out the latest HSBC deposits rate on HKD, USD, RMB and other currencies for HSBC savings accounts and time deposit, please click here.
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