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Serious Saver Account

Serious Saver is an online savings account that helps you resist the temptation to spend your savings by rewarding you with a great interest rate for every month^ you don't make a withdrawal.

Apply for a Serious Saver Account


Savings Account Interest

  • Enjoy an introductory variable interest rate of . for 4 months* for balances up to $1,000,000.
  • Ongoing variable rate of .*
  • Serious Saver gives you the perfect incentive to keep saving by rewarding you with interest every month^ you don't make a withdrawal.
  • No minimum opening or ongoing balance required.
  • Link to an HSBC Day to Day Account or any other Australian bank account. Transfer funds to your linked account via Internet, Mobile and Phone Banking.


Serious Saver Features

  • Earn interest every month^ you don't make a withdrawal.
  • Arrange for direct deposits straight into your Serious Saver account to build your savings balance.

Account Access

  • Internet and Mobile Banking
  • 24 hours a day, 7 days a week Phone Banking
  • Branch
  • Instant transfers if your linked account is with HSBC Australia should you need to access your savings (remember no interest is paid if you make a withdrawal during the month^)


You'll automatically receive a statement every 6 months or you can request monthly or quarterly statements.

Switch to e-Statements and e-Notifications for convenient access to your statements and account notifications via Personal Internet Banking. Switch to paperless today via Personal Internet Banking.

Rates & Fees

Interest Rates
4 Month Introductory Variable Rate*
Ongoing Variable Rate*
  • Interest is calculated daily and paid monthly
  • No interest is paid for balances over $1,000,000 or if any withdrawals are made during the month^
Account Fees and Charges
  • No monthly account fee
  • No charges for transfers to your linked account via Phone, Mobile or Internet Banking (remember no interest is paid if you make a withdrawal during the month^)

How to apply

Apply online

* Introductory offer applies to the first Serious Saver account opened from the 15/08/2011 and is limited to one account per customer. After the introductory period the standard interest rate applies, currently . No interest is payable for balances over $1,000,000. Rates current as at and both the introductory and standard rate are subject to change at any time. HSBC Serious Saver applicants must be aged 18+. Issued by HSBC Bank Australia ABN 48 006 434 162 AFSL No. 232595.
^ Generally, withdrawals made between the 28th of the month and 27th of the subsequent month (inclusive) will result in no interest being applied for that month.