Savings Accounts

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Bank accounts
Savings account

HSBC Savings Account

Use your savings flexibly for everyday transactions and withdrawals, and earn interest on your balance.

Exclusive Savings Offer to Payroll Customers

Looking to boost your savings with extra rewards?

From 1 September 2025, join 'Exclusive Savings Offer' and deposit new fund by reaching monthly designated Eligible Incremental Balance for 3 consecutive months to enjoy up to MOP 400 cash rebate.

Don't miss out the exclusive offer to save more and earn more. Act now!

**How to Entitle to Cash Rebate: Deposit new fund to reach Eligible Incremental Balance**
Tiers	September 2025 (vs. August)	October 2025 (vs. August)	November 2025 (vs. August)	Eligible Cash Rebate
Tier 1	+MOP 20,000	+MOP 35,000	+MOP 50,000	MOP 50
Tier 2	+MOP 50,000	+MOP 75,000	+MOP 100,000	MOP 100
Tier 3	+MOP 75,000	+MOP 125,000	+MOP 175,000	MOP 200
Tier 4	+MOP 100,000	+MOP 200,000	+MOP 300,000	MOP 400

**How to Entitle to Cash Rebate: Deposit new fund to reach Eligible Incremental Balance**
Tiers	Tier 1
September 2025 (vs. August)	+MOP 20,000
October 2025 (vs. August)	+MOP 35,000
November 2025 (vs. August)	+MOP 50,000
Eligible Cash Rebate	MOP 50

Tiers	Tier 2
September 2025 (vs. August)	+MOP 50,000
October 2025 (vs. August)	+MOP 75,000
November 2025 (vs. August)	+MOP 100,000
Eligible Cash Rebate	MOP 100

Tiers	Tier 3
September 2025 (vs. August)	+MOP 75,000
October 2025 (vs. August)	+MOP 125,000
November 2025 (vs. August)	+MOP 175,000
Eligible Cash Rebate	MOP 200

Tiers	Tier 4
September 2025 (vs. August)	+MOP 100,000
October 2025 (vs. August)	+MOP 200,000
November 2025 (vs. August)	+MOP 300,000
Eligible Cash Rebate	MOP 400

1. Terms and conditions apply.

2. Eligible Incremental Balance refers to the net growth in the Eligible Customer’s TRB (Total Relationship Balance), calculated by comparing the customer’s Average Daily TRB in August 2025 with the Average Daily TRB in September 2025, October 2025, and November 2025 for the Applicable Account(s) (for Applicable Account(s) in foreign currencies, the incremental balance will be converted into its MOP equivalent amount based on the exchange rate solely determined by the Bank). All the related account deposit balances shall be based on the records of the Bank.

3. Applicable Account(s) refers to HSBC Savings Account (s) and / or HSBC Current Account(s).

4. Total Relationship Balance (’TRB’) includes Macau Pataca/Hong Kong dollar/ Renminbi/foreign currency deposits in the Applicable Account(s), unless otherwise specified. To determine the overall TRB of an Eligible Customer, the applicable TRB of designated personal sole account(s) and joint account(s) under the same name and identity document number of the Eligible Customer will be included in the calculation. The TRB of joint account(s) will be apportioned based on the number of account holders.

5. Average Daily TRB refers to the average daily TRB in a full calendar month from the first day to the last day of the calendar month (both dates inclusive).

FAQs and Illustrations

For calculation method and example of "Eligible Incremental Balance"

No. You must achieve the corresponding growth target each month in September, October, and November 2025 to be eligible for the cash rebate.

Withdrawals will reduce and impact your Average Daily TRB. Please plan your transactions carefully to maintain the required average level.

The cash rebate will be credited in MOP to your HSBC Personal Payroll Account within January 2026, after confirming your eligibility for this promotion and upon satisfaction of the offer requirements.

Benefits and services

Access your account via Branches, Automated Teller Machines, Cash Deposit Machines, Phone banking, Internet Banking
Earn interest on your account balance
See your transactions details on a monthly statement (applicable to Statement Savings Account only)

Interest rates

To find out the latest HSBC deposits rate on HKD, USD, RMB and other currencies for HSBC savings accounts and time deposit, please click here.

We offer deposit rates that vary among different currencies and deposit amounts. For details, please visit any of our branches, our staff will be pleased to provide the most suitable rates for your deposits. Or please call +853 8599 2888 for enquiries.

Savings Account

HSBC Savings Account

Exclusive Savings Offer to Payroll Customers

Notes:

FAQs and Illustrations

If I fail to meet the target in a certain month, can I still receive the cash rebate?

Will withdrawing funds from eligible accounts affect my qualification?

When will the cash rebate be credited?

Benefits and services

Interest rates

How to apply for an HSBC Savings Account

Documents required for application

Important Information

Need more advice?

Contact us

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Related products

Current Account

Time Deposit

Renminbi

Payments and Transfers