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HSBC Personal Banking

Everything you need to get the most out of your money and live your dreams

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.

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.

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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.

What you'll get with HSBC Personal Banking

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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

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.

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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.

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.

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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.

Plus, enjoy these extra benefits

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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.

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Contactless payments

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

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Instant transfers

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

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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.

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.

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

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.

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Manage your money wherever and whenever you want with the HSBC Singapore app.

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Be rewarded with SGD50 cash credit per successful referral, up to 3 rewards per referrer.

Referrals made under the HSBC Jade or Premier Referral Programmes will not be eligible for this promotion.

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Read our guides to help you achieve your financial goals, whatever they are.

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Shop and earn over SGD4,000 cashback annually on your purchases.

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.