Why choose a 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

Rates & Fees:

  • $0 Monthly account fee
  • $0 ATM withdrawals1

Ways to open:

Online, Branch, Phone

Features & Benefits

Visa Debit Card

  • Use your own money for purchases online, overseas, over the phone and by mail
  • Mobile Payments2, including Apple Pay and Google PayTM, can be used wherever you can make contactless purchases, online, and at participating retailers in store
  • Visa payWave3 for convenient contactless purchases under $100
  • Visa Zero Liability4 protection against unauthorised purchases
  • Set up recurring payments on your Visa Debit Card for easy payment of bills
  • Access to exclusive shopping offers at over 1,500 carefully selected Australian retailers. Plus special privileges at over 27,000 outlets worldwide with the home&Away Privilege Program.5"


Account Access

  • In Branch
  • Fee free ATM access in Australia at HSBC ATMs and any other banks offering fee free ATM access
  • Online and Mobile Banking
  • 24 hours a day, 7 days a week Phone Banking
  • Visa Debit Card
  • BPAY®
  • Bank@Post™
  • Cheque Book

Link & Switch Accounts

The HSBC Day to Day Account is the perfect everyday bank account to complement your HSBC Flexi Saver or Serious Saver account.

When you open an HSBC Day to Day Account, we can help you switch over all your regular direct debits and direct credits from your previous bank accounts to your new HSBC Day to Day Account. So there's no need to contact your gym, employer, utility company or mobile phone provider about your new account - because we can do it for you.

See how easy it is to switch.

Account Fees and Charges

Fees and charges for the Day to Day account

Monthly account fee


Local transaction fees - per transaction



Branch withdrawals

Online Banking


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








Automated and staff assisted Phone Banking


International transaction fees - per transaction

Telegraphic transfers via branch or online banking


Overseas transaction fee - cash withdrawals from other countries


Overseas Transaction Charge6

3% of the total amount of each overseas transaction

Interest Rates

The Day to Day Account currently pays no interest

Apply for a Day to Day Account

New to HSBC?

Complete your application online today.

Not registered for Online Banking? Register now.

Already an HSBC customer?

Existing HSBC Australia customers with Online Banking.

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  1. Other ATM owners/operators may charge an ATM Operator Fee for withdrawals or balance enquiries.
  2. Excludes HSBC Corporate Cards.
  3. Facility and provider fees and charges may apply. ATM transactions fees may apply for use of non-HSBC ATMs.
  4. Visa Zero Liability subject to investigation of unauthorised transaction.
  5. Home&Away Privilege Program terms and conditions apply.
    Terms and conditions apply to the use of Apple Pay and Google PayTM.
  6. Payable when you make a transaction on your account in a currency other than Australian dollars, or you make a transaction on your account in any currency (including AUD) that is processed by the card scheme or billed by the merchant outside of Australia

™ Bank@Post is a trademark of Australia Post ABN 28 864 970 579.
® Registered to BPAY Ltd ABN 69 079 137 518.
Other Personal Financial Services Charges - Your Guide (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 131 605, at your local branch or www.hsbc.com.au. Issued by HSBC Bank Australia Limited ABN 48 006 434 162. AFSL 232595.