HSBC Personal Banking

Banking with a whole world of benefits

When you bank with HSBC, you open up a world of rewards and opportunities to grow your wealth through investments and more.

Start by opening an HSBC Everyday Global Account today

Earn up to 5.35% p.a. from December 2022 to March 2023 when you bring in incremental SGD deposits into your HSBC Everyday Global Account. Terms & Conditions apply².

Enjoy faster application with Myinfo via Singpass.

Apply online now

Terms and conditions apply.

Be rewarded for your spending

Here's what you need to do:

Step 1: Open an HSBC Everyday Global Account

Step 2: Sign up for an HSBC Credit Card

Step 3: Make a monthly deposit of at least SGD5,000 to your HSBC Everyday Global Account and make 5 monthly transactions on your HSBC Credit/Debit Card for 2 consecutive months

Step 4: Spend a total of SGD500 on your new HSBC Credit Card

Find out more

Grow your wealth

Open an HSBC Everyday Global Account and invest with us to enjoy SGD200 in rewards¹

Here's what you need to do:

Step 1: Open an HSBC Everyday Global Account

Step 2: After your HSBC Everyday Global Account is approved, open an HSBC investment account via the HSBC Singapore App

Step 3: Make a monthly deposit of at least SGD5,000 to your HSBC Everyday Global Account and make 5 monthly transactions on your HSBC Debit Card for 2 consecutive months

Step 4: Place a minimum of 2 buy trades in securities or unit trusts via your HSBC Investment account

Find out more

Be rewarded for your spending

Find the credit card that's right for you

Up to 2.5% cashback on local and overseas purchases
Additional 1% cashback with HSBC Everyday+ on your card spend with your HSBC Everyday Global Account
No minimum spend required
1-year annual credit card fee waiver

Find out more about HSBC Advance Credit Card

Up to 2.5% cashback on local and overseas purchases
Additional 1% cashback with HSBC Everyday+ on your card spend with your HSBC Everyday Global Account
No minimum spend required
1-year annual credit card fee waiver

Find out more about HSBC Advance Credit Card

Up to 10X Reward points on online purchases and contactless payments (equivalent to 4 miles or 2.5% cashback for every dollar you spend!)
1X Reward point per SGD1 spend on other purchases
Additional 1% cashback with HSBC Everyday+ on your card spend with your HSBC Everyday Global Account
No minimum spend required
No annual credit card fee

Find out more about HSBC Revolution Credit Card

5% cash rebate on dining, groceries and fuel
Additional 1% cashback with HSBC Everyday+ on your card spend with your HSBC Everyday Global Account
1 Reward point per dollar spent
2-years annual credit card fee waiver

Find out more about HSBC Visa Platinum Card

Earn

1% Cashback

on all eligible spends on your HSBC Credit Cards, HSBC Everyday Global Debit Card and GIRO bill payments.

Earn

1% p.a. Bonus Interest

on your incremental SGD average daily balances.

Receive a total of up to

SGD600

in Cashback and Bonus Interest each month through HSBC Everyday+ Rewards Programme.

Calculate your rewards here.

Start earning your Cashback and Bonus Interest in 2 simple steps
Step 1: Save	Step 2: Transact
Deposit at least SGD2,000 into your Everyday Global Account each month.	Perform at least 5 Eligible Transactions with your Everyday Global Account, such as GIRO bill payments, fund transfers, and/or using your HSBC Credit Card or Everyday Global Debit Card.

Start earning your Cashback and Bonus Interest in 2 simple steps
Step 1: Save	Deposit at least SGD2,000 into your Everyday Global Account each month.
Step 2: Transact	Perform at least 5 Eligible Transactions with your Everyday Global Account, such as GIRO bill payments, fund transfers, and/or using your HSBC Credit Card or Everyday Global Debit Card.

^{Plus, earn One-time Bonus Cash Reward}

SGD150

when you're new to the HSBC Everyday+ Rewards Programme.

Caps apply. For definition of the capitalized terms used here and further details on the HSBC Everyday+ Rewards Programme and applicable exclusions, please refer to the full terms and conditions here.

Meet John

He's a 36-year-old office employee. To get more out of his spending, he uses his HSBC Advance Credit Card and his HSBC Everyday Global Account Debit Card for his monthly expenses.

John credits his monthly salary of SGD6,000 to his Everyday Global Account and he:

spends SGD1,500 on his Advance Credit Card
spends SGD500 on his Everyday Global Debit Card
pays SGD1,000 for his monthly insurance premiums via GIRO

After all of his expenses this month, John is left with SGD3,000, which he leaves in his account.

How much in rewards does he earn this month?

On top of all of his other card privileges, John earns SGD32 in rewards this month through his Everyday Global Account. Here's how:
Spending	Rewards
SGD1,500 via credit card	SGD15 Cashback
SGD500 via debit card	SGD5 Cashback
SGD1,000 GIRO bill payment	SGD10 Cashback
Total cashback from spending	SGD30
Bonus Interest (on his SGD3,000 incremental account balance)	SGD2.50
Total rewards	SGD32.50

On top of all of his other card privileges, John earns SGD32 in rewards this month through his Everyday Global Account. Here's how:
Spending	SGD1,500 via credit card
Rewards	SGD15 Cashback

Spending	SGD500 via debit card
Rewards	SGD5 Cashback

Spending	SGD1,000 GIRO bill payment
Rewards	SGD10 Cashback

Spending	Total cashback from spending
Rewards	SGD30

Spending	Bonus Interest (on his SGD3,000 incremental account balance)
Rewards	SGD2.50

Spending	Total rewards
Rewards	SGD32.50

Plus, he'll receive a one-time reward of SGD150 after maintaining an average balance of SGD100,000 for 6 consecutive months.

Explore unbeatable worldwide offers in dining, leisure, attractions, wellness and travel, exclusive to the ENTERTAINER with HSBC app. Here's what you can enjoy:

1-for-1 local dining offers across a wide range of cuisine, including offers from Brotzeit, The Coffee Academics and more
1-for-1 or up to 50% off leisure, attractions and wellness, including offers from BOUNCE Singapore and more
Complimentary 1-night stay and up to 60% off hotels worldwide
1-for-1 and more at 50 takeaway restaurants

Find out more about the ENTERTAINER with HSBC

Grow your capital

Grow your wealth according to your investment style.

Unit trusts give you a diversified portfolio with a lower minimum investment, and they're managed by investment professionals.

When you invest in unit trusts with a Regular Savings Plan, it takes just one initial investment of at least SGD1,000 followed by monthly contributions of as low as SGD100.

Plus, when you buy unit trusts online you pay:

0% sales charge on Regular Savings Plans
only 0.85% sales charge on lump sum investments

Find out more to visit HSBC Unit trusts page

Unit trusts give you a diversified portfolio with a lower minimum investment, and they're managed by investment professionals.

When you invest in unit trusts with a Regular Savings Plan, it takes just one initial investment of at least SGD1,000 followed by monthly contributions of as low as SGD100.

Plus, when you buy unit trusts online you pay:

0% sales charge on Regular Savings Plans
only 0.85% sales charge on lump sum investments

Find out more to visit HSBC Unit trusts page

If you're an experienced investor, you can use the HSBC Equity Investment account to:

trade instantly and on the go via the HSBC Singapore app
take advantage of trading opportunities in the US, Singapore and Hong Kong markets
enjoy a single view of your investment portfolio with our enhanced online wealth dashboard

Find out more to visit HSBC Securities trading page

Concerned about how your actions can impact the planet? You can do your part to build a better tomorrow through sustainable and responsible investing.

Find out more about the part HSBC is playing in sustainability, and discover some ways you can integrate Environmental, Social and Governance (ESG) in your investing to create a more resilient portfolio.

You can open your investment account instantly on the HSBC Singapore app
Keep track of your wealth and invest anytime, anywhere through the app
Make FX transactions from your Everyday Global Account using the HSBC Singapore app
Get SGD30 when you open any investment account with us and become eligible to trade³

Here's how you can earn up to 5.35% p.a. from December 2022 to March 2023:

1.00% p.a. bonus interest from Everyday+ Rewards Programme
4.30% p.a. bonus interest from Everyday Global Account Bonus Interest Promotion
0.05% p.a. Everyday Global Account's prevailing interest rate

Sustainable living as an HSBC Personal Banking customer

Go paperless with e-statements

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Opt out of paper statements and we will plant 5 trees on your behalf under our One Tree Planted initiative.

Go green, live consciously

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It's easy to enjoy all of life's privileges sustainably with our attractive offers with sustainable merchants.

Investing towards a sustainable future

You can create an impact on our world when you invest in our comprehensive range of sustainability-themed/ESG funds. Start investing towards a more sustainable future.

Give back as you spend

Donate your reward points to your choice of charity.

Plus, enjoy these extra benefits

Easy mobile banking to visit HSBC Singapore app page

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

Global Money Transfers to visit HSBC Global Money Transfers page

Make faster international money transfers with your multi-currency account.

$0 overseas cash withdrawal fee

$0 overseas cash withdrawal fee across HSBC ATMs worldwide⁴.

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.

How to apply

If you are new to HSBC, residing in Singapore and hold a Singpass account, apply instantly on the HSBC Singapore app.

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Alternatively, you can open your account online within just a few minutes!

Apply online now This link will open in a new window

Learn more about the fees & charges, and deposit interest rates.

Watch the video below to learn how EasyID makes your account opening even simpler.

Download Transcript This link will open in a new window

You can use our step-by-step guide to find out more about how to apply.

Bonus: Want to get a bonus SGD200 cashback¹? When you're opening your Everyday Global Account, apply for an HSBC credit card at the same time and use it for transactions worth SGD500

Alternatively, leave your contact details and we will get back to you on the next steps.

Leave your contact details

Earn extra cash when you refer your family and friends to open HSBC Referral Form This link will open in a new window

We'll reward you with SGD50 cash credit for each successful referral. Referrals made under the HSBC Premier Referral Programmes are not eligible for this promotion.

Terms and conditions.

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

Footnotes

¹Only new HSBC deposit or savings account customers are eligible. Customers who participate in HSBC Premier Welcome Reward Promotions will not be eligible. Terms and conditions for the HSBC EGA Welcome Reward and Terms and Conditions for the HSBC Credit Card Sign Up Promotion apply.

²Terms and conditions for the HSBC Everyday+ Rewards Programme and Terms and Conditions for the HSBC Everyday Global Account Bonus Interest Promotion apply. Please visit hsbc.com.sg/everydayplus to visit HSBC Everyday Global Account (EGA) page for more details.

³Terms and conditions apply. Please visit hsbc.com.sg/securities for more details.

⁴Terms 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.

Banking with a whole world of benefits

Start by opening an HSBC Everyday Global Account today

Be rewarded for your spending

HSBC Advance Credit Card

HSBC Revolution Card

HSBC Visa Platinum Card

Earn up to S$600 cash rewards each month with HSBC Everyday+ Rewards Programme

1% Cashback

1% p.a. Bonus Interest

SGD600

Let's see how to get the most cashback

Access over 1,000 1-for-1 deals with the complimentary ENTERTAINER with HSBC app and other attractive credit card promotions

Grow your capital

Save and invest at the same time

Trade on your own

Sustainable investing

Exclusive offers

Sustainable living as an HSBC Personal Banking customer

Go paperless with e-statements

Go green, live consciously

Investing towards a sustainable future

Give back as you spend

Plus, enjoy these extra benefits

$0 overseas cash withdrawal fee

Online chat support

How to apply

Things you should know

Fees and charges

Useful documents

Frequently asked questions

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Should you save or should you invest?

You don't need a fortune to start investing

5 reasons to do your own investing

Footnotes