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Foreign Currency Time Deposit

Earn interest at an attractive rate on a range of currencies for a set period.

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

Getting started

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+853 8599 2888

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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.

Taking the example of a time deposit of GBP equivalent to MOP490,000, an estimated interest of up to MOP8,942 can be earned within 6 months.
Currency Tenor Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau)
AUD 3 months 3.45%  3.35%
AUD 6 months 3.40% 3.30%
AUD 12 months 3.35% 3.25%
CAD 3 months 2.45% 2.35%
CAD 6 months 2.25% 2.15%
CAD 12 months 2.00% 1.90%
GBP 3 months 3.85% 3.75%
GBP 6 months 3.65% 3.55%
GBP 12 months 3.35% 3.25%
NZD 3 months 3.25% 3.15%
NZD 6 months 3.00% 2.90%
NZD 12 months 2.65% 2.55%
Taking the example of a time deposit of GBP equivalent to MOP490,000, an estimated interest of up to MOP8,942 can be earned within 6 months.
Currency AUD
Tenor 3 months
Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) 3.45% 
Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau) 3.35%
Currency AUD
Tenor 6 months
Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) 3.40%
Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau) 3.30%
Currency AUD
Tenor 12 months
Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) 3.35%
Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau) 3.25%
Currency CAD
Tenor 3 months
Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) 2.45%
Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau) 2.35%
Currency CAD
Tenor 6 months
Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) 2.25%
Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau) 2.15%
Currency CAD
Tenor 12 months
Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) 2.00%
Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau) 1.90%
Currency GBP
Tenor 3 months
Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) 3.85%
Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau) 3.75%
Currency GBP
Tenor 6 months
Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) 3.65%
Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau) 3.55%
Currency GBP
Tenor 12 months
Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) 3.35%
Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau) 3.25%
Currency NZD
Tenor 3 months
Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) 3.25%
Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau) 3.15%
Currency NZD
Tenor 6 months
Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) 3.00%
Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau) 2.90%
Currency NZD
Tenor 12 months
Interest Rates (p.a.)(Currency Exchanged from HSBC Macau) 2.65%
Interest Rates (p.a.)(Currency Exchanged Outside HSBC Macau) 2.55%

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 1 Jun 2024 to 31 Dec 2024, 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 24 Oct 2024 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.

Foreign Currency 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%
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%
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%
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%
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%
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%
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%
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.

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