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Accounts

Take a look at HSBC's different Savings, Transaction and Foreign Currency Accounts, tailored to your banking goals and needs.

Transaction Accounts

Everyday Global Account

Simplify your life with an all-in-one multi currency account that meets your everyday banking needs.
  • Leave ATM and transaction fees behind at home and overseas (some ATM providers may charge a separate fee).
  • An Everyday Global Visa Debit Card, use your own money when shopping in-store, online and overseas.
  • Enjoy the simplicity of one account: use at home to deposit your salary and pay bills and use overseas to avoid the hassle of a separate travel card
Other fees and charges (PDF, 184 KB) may apply.

Rates & Fees:

  • $0 Monthly account fee
  • $0 ATM withdrawals1

Ways to open:

Online, Branch, Post, Phone

Day to Day Account

With no monthly account fee plus a host of product features, the Day to Day Account is designed to make banking with HSBC even more helpful, all day, every day.
  • Fee free ATM access in Australia at HSBC ATMs and any other banks offering fee free ATM access No Monthly Fee and No Minimum Deposit
  • With the HSBC Visa Debit Card, use your own money when shopping in-store, online and overseas
Other fees and charges (PDF, 184 KB) may apply.

Rates & Fees:

  • $0 Monthly account fee
  • $0 ATM withdrawals

Ways to open:

Online, Branch, Post, Phone

Premier Cash Management

World-class banking with the personal attention you need.
  • Dedicated support with advice from your Relationship Manager
  • Exclusive service and products individually tailored to your lifestyle
  • Preferential rates and terms

Rates & Fees:

  • Preferential rates with no minimum balance

Ways to open:

Branch, Post, Phone

Visa Debit Card

Your one card for international travel, online and everyday banking in Australia.
  • Access to over 13,000 ATMs around Australia
  • Keep in control of your money
  • Fraud protection covered by Visa's Zero Liability2

Rates & Fees:

  • Fee free ATM access in Australia at HSBC ATMs and any other banks offering fee free ATM access

Ways to open:

Online, Branch, Post, Phone

Savings Accounts

Flexi Saver Account

Saving just got more flexible and more rewarding with the Flexi Saver Monthly Bonus rate.
  • Earn more with interest calculated daily and paid monthly
  • Open multiple accounts in multiple currencies
  • No minimum or ongoing balance required
Other fees and charges (PDF, 184 KB) may apply.

Rates & Fees:

  • $0 Monthly account fee
  • 2.50% p.a. interest rate including Monthly Bonus (variable) of 1.25% p.a.3
  • 1.25% p.a. standard variable rate 3

Ways to open:

Online, Branch, Post, Phone

Serious Saver Account

Serious Saver is a savings account that helps you resist the temptation to spend your savings by rewarding you with a great interest rate for every month5 you don't make a withdrawal.
  • No minimum or ongoing balance required
  • An account that encourages you to save

Rates & Fees:

  • $0 Mothly account fee
  • 3.10% p.a. 4 Month Introductory Variable Rate4
  • 1.40% p.a. Ongoing Variable Rate

Ways to open:

Online, Branch, Post, Phone

Term Deposit Accounts

HSBC Australian Dollar term deposits offer fixed interest rates for your chosen long or short term. Apply for your term deposit account online.
  • Fixed interest rate, minimum balance AUD$5000
  • Select the terms to suit you ranging from 1 month to 5 years
  • Open online and earn bonus interest for terms 1 to 12 months

Rates & Fees:

  • $0 establishment and ongoing fees

Ways to open:

Online, Branch

Foreign Currency Accounts

Foreign Currency Flexi Saver Account

Build your foreign currency savings with the benefit of easy access to your money via branch, phone, internet or mobile banking.
  • An HSBC Foreign Currency Flexi Saver Account is available in major currencies
  • No monthly account fee or minimum ongoing balance
  • Access real-time exchange rate quotes
Other fees and charges (PDF, 184 KB) may apply.

Rates & Fees:

  • $0 Monthly account fee
  • $0 Phone banking fee

Ways to open:

Online, Branch, Post, Phone

Foreign Currency Term Deposit Accounts

How does a Foreign Currency Term Deposit work? Your funds are in the foreign currency you choose and interest is earned for the fixed term.
  • Have the certainty of a fixed interest rate
  • An HSBC Foreign Currency Term Deposit is available in major foreign currencies including US and Hong Kong dollars, British pounds and Chinese Yuan
  • Choose from a range of terms from 1, 2, 3, 6 or 12 months

Rates & Fees:

  • No establishment or ongoing fees

Ways to open:

Online, Branch

1 ATM Operator Fees may be incurred at non-HSBC ATMs.

2 Visa Zero Liability subject to investigation of unauthorised transaction.

3 Monthly Bonus is valid as at 15 October 2018 and subject to change. Monthly Bonus applies for the following month, calculated from the first business day of that month. Interest is calculated daily and paid monthly. Variable rates current as at 15 October 2018 and subject to change. No interest is incurred on balances over AUD$5 million.

4 Introductory offer is available from 21 August 2018 and will only be applied to the first Serious Saver account opened with HSBC. After the introductory period the standard interest rate applies, currently 1.40 % p.a. No interest is payable for balances over $1,000,000. Maximum one Serious Saver Account per customer. Rates current as at 15 October 2018, both introductory and standard rate subject to change at any time. HSBC Serious Saver applicants must be individuals aged 18+.

5 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. For example, withdrawals on 28th of December, may lead to no interest being applied for the month of January.

Other fees and charges (PDF, 184 KB) may apply. This advertisement provides general advice only and doesn't take into account your objectives, financial situation or needs. Consider the Product Disclosure Statement (PDS) and Financial Services Guide (FSG) (PDF, 487 KB) before acquiring this product, available by calling 1300 308 008, at your local branch or www.hsbc.com.au. Issued by HSBC Bank Australia Limited ABN 48 006 434 162. AFSL 232595.