HSBC Personal Banking

Banking with a whole world of benefits

Make day-to-day banking simple and grow your wealth easily, no matter where you're at in life. HSBC Personal Banking gives you an all-in-one everyday bank account with global access, bonus cashback on your credit card spending, wealth support and much more.

Check eligibility and apply visit Apply section

Redeem a sign-up gift, totally on us: Enjoy faster application with Myinfo via Singpass. Apply now and top up to enjoy S$50 worth of Lazada vouchers. Terms and Conditions apply.

Join HSBC Personal Banking and get up to SGD338 worth of rewards

Open your account and be rewarded with these exclusive privileges.

Why stop here? Power up your finances with us today.

Enjoy a range of welcome gifts when you start a relationship with us.
Promotion	Rewards
HSBC Everyday Global Account Rewards¹	Get SGD108 cash credit when you open an HSBC Everyday Global Account and deposit fresh funds of SGD50,000 plus make a monthly deposit of at least SGD5,000 for 2 consecutive months OR Get SGD40 cash credit when you open an HSBC Everyday Global Account make a monthly deposit of at least SGD5,000 for 2 consecutive months
HSBC Invest With Us Promotion	Get a SGD30 cash credit² when you open an investment account and make at least 1 wealth trade
HSBC Credit Card sign-up gift³	Receive up to SGD200 cashback Get SGD30 cashback when you complete your application with Myinfo via Singpass Simply make one qualifying transaction to receive SGD50 cashback Plus, get another SGD120 cashback when you spend at least SGD500 Exclusively for new HSBC credit cardholders. Existing HSBC credit cardholders will be eligible to receive up to SGD60 cashback

Enjoy a range of welcome gifts when you start a relationship with us.
Promotion	HSBC Everyday Global Account Rewards¹
Rewards	Get SGD108 cash credit when you open an HSBC Everyday Global Account and deposit fresh funds of SGD50,000 plus make a monthly deposit of at least SGD5,000 for 2 consecutive months OR Get SGD40 cash credit when you open an HSBC Everyday Global Account make a monthly deposit of at least SGD5,000 for 2 consecutive months

Promotion	HSBC Invest With Us Promotion
Rewards	Get a SGD30 cash credit² when you open an investment account and make at least 1 wealth trade

Promotion	HSBC Credit Card sign-up gift³
Rewards	Receive up to SGD200 cashback Get SGD30 cashback when you complete your application with Myinfo via Singpass Simply make one qualifying transaction to receive SGD50 cashback Plus, get another SGD120 cashback when you spend at least SGD500 Exclusively for new HSBC credit cardholders. Existing HSBC credit cardholders will be eligible to receive up to SGD60 cashback

Discover more rewards to learn more details about promotion

What you'll get with HSBC Personal Banking

A versatile everyday bank account

HSBC Everyday Global Account instantly connects you to a world of currencies and benefits. It gives you opportunities to save and more time for your passions.

Transact in up to 11 different currencies with one straightforward account
Pay bills, credit your salary and transfer money with ease using the HSBC Singapore app

Learn more HSBC Everyday Global Account (EGA)

More rewards for your everyday spending with HSBC Everyday+

Get even more cashback on your everyday banking with our new HSBC Everyday+ rewards programme.

Get 1% cashback on all spending with your HSBC credit card and Everyday Global Debit Card
Get 1% cashback on all your GIRO bill payments (with no minimum spend)
Get 1% p.a. bonus interest on your incremental SGD balances in your Everyday Global Account
One-time cash reward of SGD150 when you maintain an average account balance of at least SGD100,000 for 6 consecutive months

Eligibility criteria applies⁴.

Learn more to HSBC Advance Credit Card - Earn cashback page

A father playing with his daughter in the park.

Investment options and expertise to help you and your money grow

Whether you're new to investing or know exactly what you want, we can help. As an HSBC Personal Banking customer, you can get expert advice from our Personal Wealth Managers, manage all your investments in one place, plus enjoy access to wealth insights and guides.

It's easier than ever to access your investments. Open an Investment Account with the HSBC Singapore app in just a few taps.

Learn more to Wealth support with HSBC Personal Banking page

Fee-free international banking

With the enhanced HSBC Everyday Global Account, send money internationally faster and fee-free⁵, via HSBC Global Money Transfers on the HSBC Singapore app. Send money to:

Over 20 countries/territories like a local (i.e. Send like a local)
China via UnionPay cards issued in Mainland China⁶
Over 200 countries/territories via SWIFT
Other third-party HSBC accounts instantly⁷

No fees when you spend in 10 different currencies or make cash withdrawals from HSBC ATMs worldwide with your HSBC Everyday Global Debit Card⁸

If you're an expat, learn about our expat services.

A woman using mobile to shop online at home.

Reach your financial goals sooner with HSBC FinFit

Power up your financial fitness with holistic financial planning and personalised coaching. Get started today to enjoy more cashback and rewards.

Learn more about HSBC finfit page

Plus, enjoy these extra benefits

Easy mobile banking

Check your balance. Activate your card. Even spread the cost of big credit card purchases. You can do it all with the HSBC Singapore app.

Contactless payments

Pay on the go. Use Apple Pay or your contactless credit or debit card to make fast, secure, easy payments.

Instant transfers

With PayNow, you can send and receive money instantly and securely with just the mobile number, NRIC or UEN of any recipient.

Online chat support

Got a question? Get in touch. Chat with us via Web Chat on our website, or send us a secure message through online banking.

Things you should know

Our HSBC Everyday Global Account has a monthly minimum account balance fee of SGD5. However, you'll only pay this if your average daily balance was below SGD2,000 in the previous calendar month. If it was above this, you won't be charged a fee.

Fees and charges (PDF) Download

Opening your account is easy

To apply, you'll need to:

be 18 or older
have an NRIC or Employment Pass
have an initial deposit of SGD2,000 (or its equivalent in other currencies)

New to HSBC?

Enjoy a faster application with Myinfo via Singpass.

Apply now This link will open in a new window

Alternatively, you can leave your contact details and we will contact you on the next steps.

Leave your details to let us contact you This link will open in a new window

Already an HSBC customer?

If you already have an existing HSBC account, apply for the HSBC Everyday Global Account via online banking. Your application will normally take 2 working days to be processed.

Log on and apply visit Log on page

Additional information

¹Only new HSBC deposit or savings account customers are eligible. Customers who participate in HSBC Jade or Premier Welcome Reward Promotions will not be eligible. Terms and conditions apply.

²HSBC Invest With Us Promotion terms and conditions apply.

³HSBC Credit Card Sign Up Promotion terms and conditions apply.

⁴Applicable for Personal banking customers only. Terms and conditions apply.

⁵Most transfers are fee-free but some intermediary banks may charge fees. You can see an estimate of the applicable fees when you review your transfer. The actual amount is subject to the intermediary bank and will be debited after you've confirmed your transfer.

⁶Only from sole HSBC Everyday Global Account.

⁷Foreign exchange transactions involving the following currencies: Bermudian Dollar, Egyptian Pound, Qatari Riyal, Indonesian Rupiah, Sri Lankan Rupee, Malaysian Ringgit, Vietnamese Dong, Philippine Peso and Omani Rial may not be processed instantly over the weekend and public holidays.

⁸Terms and conditions apply. Please visit hsbc.com.sg/egdc for more details.

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Disclaimer

This document is for information only and should not be construed as an offer to sell or the solicitation of an offer to purchase or subscribe for any investment. The mention of any investment product or class of investment products ("product") should not be construed as representing a recommendation to buy or sell that product, nor does it represent a forecast on future performance of the product. The information contained on this web site is intended for Singapore residents only and should not be construed as a distribution, an offer to sell, or a solicitation to buy any securities in any jurisdiction where such activities would be unlawful under the laws of such jurisdiction, in particular the United States of America and Canada. The specific investment objectives, personal situation and particular needs of any person have not been taken in consideration. You should therefore not rely on it as investment advice. Before you make any investment decision, you may wish to consult a financial adviser. In the event that you choose not to seek advice from a financial adviser, you should carefully consider whether the investment product is suitable for you.