SGD Deposit Interest Rates | Bank Interest Rates

HSBC SG
Rates
Singapore Dollar Deposits

Singapore Dollar Time Deposit rates - For HSBC Personal Banking Customers

HSBC Personal Banking Interest Rates (p.a)
Placement Amount	1 Month	3 Month	6 Month	12 Month	24 Month
SGD5,000 - SGD49,999	0.05%	0.05%	0.10%	0.15%	0.00%
SGD50,000 - SGD99,999	0.05%	0.05%	0.10%	0.15%	0.00%
SGD100,000 - SGD199,999	0.05%	0.05%	0.10%	0.15%	0.00%
SGD200,000 - SGD499,999	0.05%	0.05%	0.10%	0.15%	0.00%
SGD500,000 - SGD999,999	0.05%	0.05%	0.10%	0.15%	0.00%
SGD1,000,000 and above	0.05%	0.05%	0.10%	0.15%	0.00%

HSBC Personal Banking Interest Rates (p.a)
Placement Amount	SGD5,000 - SGD49,999
1 Month	0.05%
3 Month	0.05%
6 Month	0.10%
12 Month	0.15%
24 Month	0.00%

Placement Amount	SGD50,000 - SGD99,999
1 Month	0.05%
3 Month	0.05%
6 Month	0.10%
12 Month	0.15%
24 Month	0.00%

Placement Amount	SGD100,000 - SGD199,999
1 Month	0.05%
3 Month	0.05%
6 Month	0.10%
12 Month	0.15%
24 Month	0.00%

Placement Amount	SGD200,000 - SGD499,999
1 Month	0.05%
3 Month	0.05%
6 Month	0.10%
12 Month	0.15%
24 Month	0.00%

Placement Amount	SGD500,000 - SGD999,999
1 Month	0.05%
3 Month	0.05%
6 Month	0.10%
12 Month	0.15%
24 Month	0.00%

Placement Amount	SGD1,000,000 and above
1 Month	0.05%
3 Month	0.05%
6 Month	0.10%
12 Month	0.15%
24 Month	0.00%

Singapore Dollar Time Deposit rates - exclusively for HSBC Premier only

HSBC Premier Interest Rates (p.a)
Placement Amount	1 Month	3 Month	6 Month	12 Month	24 Month
SGD5,000 - SGD49,999	0.05%	0.05%	0.10%	0.15%	0.00%
SGD50,000 - SGD99,999	0.05%	0.05%	0.10%	0.15%	0.00%
SGD100,000 - SGD199,999	0.05%	0.05%	0.10%	0.15%	0.00%
SGD200,000 - SGD499,999	0.05%	0.05%	0.10%	0.15%	0.00%
SGD500,000 - SGD999,999	0.05%	0.05%	0.10%	0.15%	0.00%
SGD1,000,000 and above	0.05%	0.05%	0.10%	0.15%	0.00%

HSBC Premier Interest Rates (p.a)
Placement Amount	SGD5,000 - SGD49,999
1 Month	0.05%
3 Month	0.05%
6 Month	0.10%
12 Month	0.15%
24 Month	0.00%

Placement Amount	SGD50,000 - SGD99,999
1 Month	0.05%
3 Month	0.05%
6 Month	0.10%
12 Month	0.15%
24 Month	0.00%

Placement Amount	SGD100,000 - SGD199,999
1 Month	0.05%
3 Month	0.05%
6 Month	0.10%
12 Month	0.15%
24 Month	0.00%

Placement Amount	SGD200,000 - SGD499,999
1 Month	0.05%
3 Month	0.05%
6 Month	0.10%
12 Month	0.15%
24 Month	0.00%

Placement Amount	SGD500,000 - SGD999,999
1 Month	0.05%
3 Month	0.05%
6 Month	0.10%
12 Month	0.15%
24 Month	0.00%

Placement Amount	SGD1,000,000 and above
1 Month	0.05%
3 Month	0.05%
6 Month	0.10%
12 Month	0.15%
24 Month	0.00%

Singapore Dollar HSBC Flexi Account

HSBC Flexi Account Interest Rates (p.a)
SGD	Interest rate
First SGD4,999.99	0.01%
From SGD5,000 to SGD14,999.99	0.01%
From SGD15,000 to SGD49,999.99	0.01%
From SGD50,000 and above	0.01%

HSBC Flexi Account Interest Rates (p.a)
SGD	First SGD4,999.99
Interest rate	0.01%

SGD	From SGD5,000 to SGD14,999.99
Interest rate	0.01%

SGD	From SGD15,000 to SGD49,999.99
Interest rate	0.01%

SGD	From SGD50,000 and above
Interest rate	0.01%

Singapore Dollar HSBC eFlexi Account

HSBC eFlexi Account Interest Rates (p.a)
SGD	Interest rate
First SGD4,999.99	0.01%
From SGD5,000 to SGD14,999.99	0.01%
From SGD15,000 to SGD49,999.99	0.01%
From SGD50,000 and above	0.01%

HSBC eFlexi Account Interest Rates (p.a)
SGD	First SGD4,999.99
Interest rate	0.01%

SGD	From SGD5,000 to SGD14,999.99
Interest rate	0.01%

SGD	From SGD15,000 to SGD49,999.99
Interest rate	0.01%

SGD	From SGD50,000 and above
Interest rate	0.01%

HSBC eFlexi Account Salary Bonus Interest rate (p.a)
Account Package	Minimum salary amount that must be credited to the HSBC eFlexi Account in each calendar month in order to receive the Salary Bonus Interest	HSBC eFlexi Account average daily balance cap applicable to the calculation of the Salary Bonus Interest	Salary Bonus Interest rate
HSBC Premier customers	SGD2,000	SGD100,000	0.10% p.a.
HSBC Personal Banking customers	SGD2,000	SGD25,000	0.10% p.a.

HSBC eFlexi Account Salary Bonus Interest rate (p.a)
Account Package	HSBC Premier customers
Minimum salary amount that must be credited to the HSBC eFlexi Account in each calendar month in order to receive the Salary Bonus Interest	SGD2,000
HSBC eFlexi Account average daily balance cap applicable to the calculation of the Salary Bonus Interest	SGD100,000
Salary Bonus Interest rate	0.10% p.a.

Account Package	HSBC Personal Banking customers
Minimum salary amount that must be credited to the HSBC eFlexi Account in each calendar month in order to receive the Salary Bonus Interest	SGD2,000
HSBC eFlexi Account average daily balance cap applicable to the calculation of the Salary Bonus Interest	SGD25,000
Salary Bonus Interest rate	0.10% p.a.

Singapore Dollar HSBC Premier Account / Premier Lite Savings Account

SGD HSBC Premier Account Interest Rates (p.a)
SGD	Interest rate
First SGD4,999.99	0.01%
From SGD5,000 to SGD14,999.99	0.01%
From SGD15,000 to SGD49,999.99	0.01%
From SGD50,000 to SGD99,999.99	0.01%
From SGD100,000 and above	0.01%

SGD HSBC Premier Account Interest Rates (p.a)
SGD	First SGD4,999.99
Interest rate	0.01%

SGD	From SGD5,000 to SGD14,999.99
Interest rate	0.01%

SGD	From SGD15,000 to SGD49,999.99
Interest rate	0.01%

SGD	From SGD50,000 to SGD99,999.99
Interest rate	0.01%

SGD	From SGD100,000 and above
Interest rate	0.01%

Singapore Dollar HSBC Advance Account

SGD HSBC Advance Account Interest Rates (p.a.)
SGD	Interest rate
First SGD4,999.99	0.01%
From SGD5,000 to SGD14,999.99	0.01%
From SGD15,000 to SGD49,999.99	0.01%
From SGD50,000 and above	0.01%

SGD HSBC Advance Account Interest Rates (p.a.)
SGD	First SGD4,999.99
Interest rate	0.01%

SGD	From SGD5,000 to SGD14,999.99
Interest rate	0.01%

SGD	From SGD15,000 to SGD49,999.99
Interest rate	0.01%

SGD	From SGD50,000 and above
Interest rate	0.01%

Singapore Dollar HSBC Current Account

HSBC Current Accounts are not interest bearing, unless otherwise stated.

SGD HSBC Current Account Interest Rates (p.a.) for HSBC Premier with Premier Elite services customers banking with HSBC Global Private Banking Singapore
SGD	Interest rate
First SGD4,999.99	0.01%
From SGD5,000 to SGD14,999.99	0.01%
From SGD15,000 to SGD49,999.99	0.01%
From SGD50,000 to SGD99,999.99	0.01%
From SGD100,000 to SGD999,999.99	0.01%
From SGD1,000,000.00 and above	0.01%

SGD HSBC Current Account Interest Rates (p.a.) for HSBC Premier with Premier Elite services customers banking with HSBC Global Private Banking Singapore
SGD	First SGD4,999.99
Interest rate	0.01%

SGD	From SGD5,000 to SGD14,999.99
Interest rate	0.01%

SGD	From SGD15,000 to SGD49,999.99
Interest rate	0.01%

SGD	From SGD50,000 to SGD99,999.99
Interest rate	0.01%

SGD	From SGD100,000 to SGD999,999.99
Interest rate	0.01%

SGD	From SGD1,000,000.00 and above
Interest rate	0.01%

For Global Private Banking clients with HSBC current account, kindly refer to your Relationship Manager for any queries.

SGD HSBC Current Account (Interest Bearing) Interest Rates (p.a.)
SGD	Interest rate
First SGD4,999.99	0.00%
From SGD5,000 to SGD14,999.99	0.00%
From SGD15,000 to SGD49,999.99	0.00%
From SGD50,000 to SGD99,999.99	0.00%
From SGD100,000 to SGD999,999.99	0.00%
From SGD1,000,000.00 and above	0.00%

SGD HSBC Current Account (Interest Bearing) Interest Rates (p.a.)
SGD	First SGD4,999.99
Interest rate	0.00%

SGD	From SGD5,000 to SGD14,999.99
Interest rate	0.00%

SGD	From SGD15,000 to SGD49,999.99
Interest rate	0.00%

SGD	From SGD50,000 to SGD99,999.99
Interest rate	0.00%

SGD	From SGD100,000 to SGD999,999.99
Interest rate	0.00%

SGD	From SGD1,000,000.00 and above
Interest rate	0.00%

Singapore Dollar Passbook and Savings Account / KidzSaver Savings Account

SGD Passbook and Savings Account Interest Rates (p.a)
SGD	Interest rate
First SGD2,000	0.01%
From SGD2,000.01 to SGD49,999.99	0.01%
From SGD50,000 and above	0.01%

SGD Passbook and Savings Account Interest Rates (p.a)
SGD	First SGD2,000
Interest rate	0.01%

SGD	From SGD2,000.01 to SGD49,999.99
Interest rate	0.01%

SGD	From SGD50,000 and above
Interest rate	0.01%

Everyday Global Account interest rates

U.S. dollar
U.S. dollar	First USD24,999.99	From USD25,000 to USD99,999.99	From USD100,000 to USD499,999.99	From USD500,000 and above
Interest rate (p.a.)	0%	0%	0%	0%

U.S. dollar
U.S. dollar	Interest rate (p.a.)
First USD24,999.99	0%
From USD25,000 to USD99,999.99	0%
From USD100,000 to USD499,999.99	0%
From USD500,000 and above	0%

Australian dollar
Australian dollar	First AUD24,999.99	From AUD25,000 to AUD99,999.99	From AUD100,000 to AUD499,999.99	From AUD500,000 and above
Interest rate (p.a.)	0%	0%	0%	0%

Australian dollar
Australian dollar	Interest rate (p.a.)
First AUD24,999.99	0%
From AUD25,000 to AUD99,999.99	0%
From AUD100,000 to AUD499,999.99	0%
From AUD500,000 and above	0%

Canadian dollar
Canadian dollar	First CAD24,999.99	From CAD25,000 to CAD99,999.99	From CAD100,000 to CAD499,999.99	From CAD500,000 and above
Interest rate (p.a.)	0%	0%	0%	0%

Canadian dollar
Canadian dollar	Interest rate (p.a.)
First CAD24,999.99	0%
From CAD25,000 to CAD99,999.99	0%
From CAD100,000 to CAD499,999.99	0%
From CAD500,000 and above	0%

Euro
Euro	First EUR24,999.99	From EUR25,000 to EUR99,999.99	From EUR100,000 to EUR499,999.99	From EUR500,000 and above
Interest rate (p.a.)	0%	0%	0%	0%

Euro
Euro	Interest rate (p.a.)
First EUR24,999.99	0%
From EUR25,000 to EUR99,999.99	0%
From EUR100,000 to EUR499,999.99	0%
From EUR500,000 and above	0%

British pound
British Pound	First GBP24,999.99	From GBP25,000 to GBP99,999.99	From GBP100,000 to GBP499,999.99	From GBP500,000 and above
Interest rate (p.a.)	0%	0%	0%	0%

British pound
British Pound	Interest rate (p.a.)
First GBP24,999.99	0%
From GBP25,000 to GBP99,999.99	0%
From GBP100,000 to GBP499,999.99	0%
From GBP500,000 and above	0%

Hong Kong dollar
Hong Kong dollar	First HKD24,999.99	From HKD25,000 to HKD99,999.99	From HKD100,000 to HKD499,999.99	From HKD500,000 and above
Interest rate (p.a.)	0%	0%	0%	0%

Hong Kong dollar
Hong Kong dollar	Interest rate (p.a.)
First HKD24,999.99	0%
From HKD25,000 to HKD99,999.99	0%
From HKD100,000 to HKD499,999.99	0%
From HKD500,000 and above	0%

Japanese Yen
Japanese Yen	First JPY999,999.99	From JPY1,000,000 to JPY4,999,999.99	From JPY5,000,000 to JPY 9,999,999.99	From JPY10,000,000.00 and above
Interest rate (p.a.)	0%	0%	0%	0%

Japanese Yen
Japanese Yen	Interest rate (p.a.)
First JPY999,999.99	0%
From JPY1,000,000 to JPY4,999,999.99	0%
From JPY5,000,000 to JPY 9,999,999.99	0%
From JPY10,000,000.00 and above	0%

Swiss Franc
Swiss Franc	First CHF24,999.99	From CHF25,000 to CHF99,999.99	From CHF100,000 to CHF 499,999.99	From CHF500,000 and above
Interest rate (p.a.)	0%	0%	0%	0%

Swiss Franc
Swiss Franc	Interest rate (p.a.)
First CHF24,999.99	0%
From CHF25,000 to CHF99,999.99	0%
From CHF100,000 to CHF 499,999.99	0%
From CHF500,000 and above	0%

New Zealand dollar
New Zealand dollar	First NZD24,999.99	From NZD25,000 to NZD99,999.99	From NZD100,000 to NZD499,999.99	From NZD500,000 and above
Interest rate (p.a.)	0%	0%	0%	0%

New Zealand dollar
New Zealand dollar	Interest rate (p.a.)
First NZD24,999.99	0%
From NZD25,000 to NZD99,999.99	0%
From NZD100,000 to NZD499,999.99	0%
From NZD500,000 and above	0%

Singapore Dollar
Singapore dollar	First SGD24,999.99	From SGD25,000 to SGD99,999.99	From SGD100,000 to SGD499,999.99	From SGD500,000 and above
Interest rate (p.a.)	0.05%	0.05%	0.05%	0.05%

Singapore Dollar
Singapore dollar	Interest rate (p.a.)
First SGD24,999.99	0.05%
From SGD25,000 to SGD99,999.99	0.05%
From SGD100,000 to SGD499,999.99	0.05%
From SGD500,000 and above	0.05%

Renminbi
Renminbi	First CNY9,999.99	From CNY10,000 to 349,999.99	From CNY350,000 to CNY999,999.99	From CNY1,000,000 to CNY4,999,999.99	From CNY5,000,000 and above
Interest rate (p.a.)	0%	0%	0%	0%	0%

Renminbi
Renminbi	Interest rate (p.a.)
First CNY9,999.99	0%
From CNY10,000 to 349,999.99	0%
From CNY350,000 to CNY999,999.99	0%
From CNY1,000,000 to CNY4,999,999.99	0%
From CNY5,000,000 and above	0%

Last Updated: 2025-09-23

Rates are subject to change without notice.

^*The Premier-exclusive rates set out in the table above shall apply only to account(s) which are subject to the terms and conditions governing the use of HSBC Premier Account Package.

General Disclaimers

Interest rates are calculated on a daily basis and credited on a monthly basis.
All deposit rates, foreign exchange conversions and foreign exchange rates used or provided are indicative only and subject to change by the Bank at any time (including intraday changes) without notice. For deposit rates, you may wish to check on the latest rates on our website at the following link.
Applicable to SGD HSBC Jade Account, SGD HSBC Premier Account & SGD HSBC Premier Lite Savings Account, SGD HSBC Flexi Account & HSBC eFlexi Account, SGD Passbook & Savings Account/KidzSaver Savings Account and SGD HSBC Everyday Global Accounts: Interest rates are tiered and published rates for respective tiers are applicable to the deposit value specified in each tier. The effective interest rate will vary depending on the amount deposited.
Data, information, news and computation tools are provided for informational purposes only, and are not intended for trading purposes. The Bank shall not be liable for any errors or delays in the content or computation, or for any actions taken in reliance on the same.
Please note that the Foreign Currency Time Deposit rates for USD, GBP, EUR, CHF and CAD are quoted for value on the same working day. All the other currencies are quoted for value on the next working day.

Important notes

Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Singapore Dollar Deposit Rates

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