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A set of matryoshka dolls displacing on shelf; image used for HSBC Australia Savings Accounts page.

Savings Accounts

Compare HSBC savings accounts and interest rates online to make saving more convenient. Learn more about online account opening.

Flexi Saver Account

Saving just got more flexible and more rewarding with the Flexi Saver Monthly Bonus rate. Enjoy the added convenience of opening an online savings account anywhere, anytime.

  • Earn more with interest calculated daily and paid monthly

  • Open multiple accounts in multiple currencies

  • No minimum balance required. Bonus interest is paid only when the balance increases by $300 or more per month (not including interest payments)

Other banking services fees and charges may apply. See our Personal Banking Booklet (PDF, 1.50 MB).

Rates & Fees:

  • $0 Monthly account fee
  • 0.25% p.a. interest rate including Monthly Bonus (variable) of 0.20% p.a.1
  • 0.05% p.a. standard variable rate 1

Serious Saver Account

The HSBC Serious Saver Account is an online savings account with a great 3 month introductory variable interest rate and must be linked to your nominated transaction account to enable you to move money in and out.

  • No minimum or ongoing balance required

  • An account that encourages you to save

Other banking services fees and charges may apply. See our Personal Banking Booklet (pdf 1.5MB).

Rates & Fees:

  • $0 Monthly account fee
  • 0.30% p.a. 3 Month Introductory Variable Rate2
  • 0.15% p.a. Ongoing Variable Rate
  • Applies to balances up to $1 million only
  • Introductory offer will only be applied to the first Serious Saver account opened with HSBC or if the previous Serious Saver account was closed more than 12 months ago

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

Other banking services fees and charges may apply. See our Transaction and Savings Accounts Terms (PDF, 1.10 MB).

Rates & Fees:

  • $0 establishment and ongoing fees
  • $30 early withdrawal fee
  • Interest reduction for early termination

Important support information

Terms & Conditions 

  1. Monthly bonus offer valid as at 22 February 2021 and subject to change. Rates are current as at 22 February 2021 and subject to change. No interest is incurred on the portion of balances over AUD$ 5 million. Bonus rate not applicable in the month the account is opened as eligibility criteria has not been established.
  2. Introductory offer will only be applied to your first Serious Saver account opened with HSBC or if your previous Serious Saver account was closed more than 12 months ago. After the introductory period, the ongoing standard variable interest rate applies. No interest is payable for balances over $1,000,000. Maximum one Serious Saver Account per customer at any one time. Rates are current as at 22 February 2021. Both introductory and standard rate are variable and are subject to change at any time. HSBC Serious Saver applicants must be aged 18+.

Other banking services fees and charges may apply. Please refer to the Personal Banking Booklet (PDF, 1.50 MB). This advertisement provides general advice only and doesn't take into account your objectives, financial situation or needs. Consider the Personal Banking Booklet (PDF,1.5MB), Transaction and Savings Accounts Terms (PDF,1.10MB). and Financial Services Guide (PDF, 906 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.

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