Enjoy welcome rewards of up to $1,300 RewardCash1 upon opening a designated integrated account2

Do you think banking has to be complicated? You can wave goodbye to worries with our convenient and comprehensive banking services. All you need is a free3 all-in-one account, and you can always be in control of your finances and bank your way as you progress in life. Banking has never been easier!

Welcome rewards

New HSBC customer can enjoy fabulous welcome rewards upon opening a designated integrated account2 until 31 October 2019.

Welcome rewards detailsWelcome rewards details
Reward type Reward Conditions RewardCash
Digital Transactions4 Register for HSBC Mobile/Personal Internet Banking and conduct 2 designated digital transactions $100
Auto Payroll5 Set up a monthly auto payroll of:  
  HKD10,000 to less than HKD20,000; or $200 or
  HKD20,000 to less than HKD50,000; or $500 or
  HKD50,000 or above $800
New Fund6 Bring in new funds of:  
  HKD100,000 to less than HKD200,000; or $200
  HKD200,000 or above $400
Total RewardCash Up to $1,3001

Preferential offers

Stock trading

  • $0 brokerage fee for Hong Kong stock/China A shares/US stock purchases within the first 6 months upon new investment service account opening7
  • $0 brokerage fee for Stocks Monthly Investment Plan8

Deposit

  • New HSBC customers9 can enjoy HKD preferential savings rate of up to +1% p.a. for 3 months upon Integrated Account opening9. Details
  • Place 6-month HKD/USD Time Deposits with new funds to enjoy preferential interest rate10: Details
    • HKD: 1.85% p.a.
    • USD: 2.00% p.a.

Credit Card

  • From now until 19 February 2020, successfully apply for a designated HSBC Credit Card11 online to enjoy up to $900 RewardCash and a first two-year annual waiver. Details
  • Designated full-time Universities / Tertiary Institutions students12 who successfully apply for an HSBC Visa Gold Card for Students can enjoy welcome offers. Details

Act now to open a Personal Integrated Account

What’s more, you can join HSBC Advance simply by maintaining the Total Relationship Balance of HKD200,000 or above. On top of the welcome rewards, you can also enjoy priority counter service13, dedicated 24/7 HSBC Advance Hotline and preferential rates.

Remarks:

  1. The maximum of $1,300 RewardCash is applicable to any “New HSBC Customer” who successfully opens a Personal Integrated Account or HSBC Advance account (“Applicable Account”) during the promotional period. It comprises the total sum of $100 RewardCash under the Digital Transactions Offer, up to $800 RewardCash under the Payroll Offer and up to $400 RewardCash under the New Fund Offer. For details of the rewards, please refer to Sections (A) to (C) of the Promotional Terms and Conditions. For the definition of New HSBC Customer, please refer to Clause 6 under the General Terms and Conditions.
  2. Designated integrated account refers to Personal Integrated Account or HSBC Advance account.
  3. No minimum balance fee for Personal Integrated Account and HSBC Advance account
  4. This offer is only applicable to any New HSBC Customer who successfully opens an Applicable Account and fulfils the requirements of Digital Transactions Offer. Please refer to Section (A) of the Promotional Terms and Conditions for details.
  5. This offer is applicable to any New HSBC Customers who successfully opens an Applicable Account and fulfils the requirements of Payroll Offer. Please refer to Section (B) of the Promotional Terms and Conditions for details.
  6. This offer is only applicable to any New HSBC Customer who successfully opens an Applicable Account and fulfils the requirements of New Fund Offer. Please refer to Section (C) of the Promotional Terms and Conditions for details.
  7. Promotional period is from 1 January to 31 December 2019 (both dates inclusive). Only applicable to customers without any investment service account in past 6 months and open new investment account during the promotional period. Eligible HSBC Advance/ Personal Integrated Account customers will enjoy the Securities Offer for all Eligible Transactions until the total cumulative standard brokerage fee reaches HKD5,000. All subsequent transactions will be subject to standard brokerage fees. Please refer to the applicable Terms and Conditions for details.
  8. The SMIP Offer is effective from 28 June 2010 until further notice (the “Promotional Period”). Customers can enjoy the brokerage fee waiver, inclusive of standard brokerage fee of 0.25% and all transaction related charges: Securities and Futures Commission transaction levy, Hong Kong Exchanges and Clearing Limited trading fee and stamp duty, deposit transaction charge and Central Clearing and Settlement System fee. The SMIP Offer is applicable to all new and existing investment customers of HSBC who have any existing SMIP or set up a new SMIP during the Promotional Period through any channel (including branches). Terms and Conditions apply.
  9. New HSBC customer is referring to a personal customer who opens HSBC Jade/HSBC Premier/HSBC Advance/Personal Integrated Account on or before 31 October 2019 and must NOT be a holder of any HSBC banking account(s) (whether as sole accountholder or joint accountholder) in the past 9 months prior to the account opening month. The maximum deposit amount of the above Offer is capped at HKD1,000,000.
  10. Terms and Conditions apply. The above interest rates are indicative as of 6 August 2019 and are for reference only. They are not guaranteed and may vary from time to time in accordance with subject to revision, as per prevailing market conditions.
  11. Designated Credit Cards include HSBC Visa Signature Card, HSBC Visa Platinum Card, HSBC Visa Gold Card, HSBC UnionPay Dual Currency Diamond Credit Card and HSBC UnionPay Dual Currency Credit Card. HSBC Visa Signature Card applicants are required to meet an annual income of HK$360,000 or assets of HK$400,000 or above. Assets include deposits and investments; properties are excluded. Terms and Conditions apply.
  12. Full-time students who are holders of full-time student ID card from the designated educational institutions and HKID card/eligible passport can apply. The designated educational institutions including The Chinese University of Hong Kong / The Chinese University of Hong Kong – School of Continuing and Professional Studies (CUSCS) / Chu Hai College of Higher Education / City University of Hong Kong / City University of Hong Kong – School of Continuing and Professional Education / Community College of City University / The Education University of Hong Kong / The Hang Seng University of Hong Kong / Hong Kong Baptist University / Hong Kong Baptist University College of International Education / School of Continuing Education Hong Kong Baptist University / The University of Hong Kong / HKU SPACE / Centennial College / The Hong Kong University of Science & Technology / Lingnan Institute of Further Education / Lingnan University / The Open University of Hong Kong / The Hong Kong Polytechnic University / Hong Kong Community College / School of Professional Education and Executive Development, Hong Kong Polytechnic University (PolyU SPEED) / Hong Kong Shue Yan University. Terms and Conditions apply.
  13. Priority counter service is not available in the following branches: Bonham Road, Cheung Chau, Discovery Bay, Peng Chau, Silvermine Bay, the University of Hong Kong, Yung Shue Wan, Cathay Bay City and Sky Plaza. Priority counter services will be updated from time to time. Please visit HSBC website for branch and Express Banking locations.

Important Risk Warning

  • Unit Trusts, Bonds, Certificates of Deposit (CDs), structured products(including Equity Linked Investments, Structured Notes, Deposit Plus, Structured Investment Deposits and Capital Protected Investment Deposits) are NOT equivalent to time deposits. Unit Trusts and Bonds and some of the Structured Products are investment products and some Unit Trusts and Structured Products may involve derivatives. The investment decision is yours but you should not invest unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.
  • The price of products may move up or down and may become valueless. Losses may be incurred as well as profits made as a result of buying and selling the products.
  • In the worst case scenario, the value of the products may be worth substantially less than the original amount you invested (and in an extreme case could be worth nothing).
  • Issuer’s Risk – Bonds, CDs, structured products are subject to both the actual and perceived measures of credit worthiness of the issuer. There is no assurance of protection against a default by the issuer in respect of the repayment obligations. In the worst case scenario, you might not be able to recover the principal and interest/coupon if the issuer defaults on the Bonds, CDs and Structured Products.
  • Investors should not make investment decisions based on this material alone.
  • Investment involves risks. Past performance of investment products is no guide to future performance. For details of the investment products, the related fees and charges and risk factors, please refer to the individual product materials and/or offering materials.
  • Currency conversion risk – the value of your foreign currency and RMB products will be subject to the risk of exchange rate fluctuation. If you choose to convert your foreign currency and RMB payments to other currencies at an exchange rate that is less favourable than that exchange rate in which you made your original conversion to foreign currency and RMB, you may suffer loss in principal/investment.
  • RMB denominated products are subject to liquidity risk as there may be no regular trading and active secondary market for RMB Income Instruments. The bid and offer spread of the price of RMB Income Instruments may be large, so investors may incur significant trading and realisation costs and may suffer losses accordingly.
  • Warrants and CBBCs are non-collateralised products. The price of the Warrants/ CBBCs may fall in value as rapidly as it may rise and investors may sustain a total loss of their investment. Prospective investors should ensure that they understand the nature and risks and seek for professional advice where applicable.
  • Additional risks are disclosed in the “Risk Disclosure” section. Please refer to “Risk Disclosure” section for details.

Structured Investment Deposits, Deposit Plus, Capital Protected Investment Deposits and CDs are not protected deposits and are not protected by the Deposit Protection Scheme in Hong Kong. Deposit Plus is NOT principal protected.

Important: The “HSBC HK Easy Invest” App (“Easy Invest”) and the contents of this material/correspondence are provided by The Hongkong and Shanghai Banking Corporation Limited (‘HSBC HK’) for the use of existing HSBC HK customers only. You should download Easy Invest only if you are an existing HSBC HK customer. Easy Invest is not intended for download, or use, by any person in any jurisdiction where such download or use would be contrary to any law or regulation of such jurisdiction or where HSBC HK is not licensed or authorized to provide Easy Invest and/or any of the Services.

The HSBC HK Reward+ Mobile App (“Reward+”) and the content of this material/correspondence are provided by The Hongkong and Shanghai Banking Corporation Limited (“HSBC HK”). Reward+ is intended for download and use by the public of Hong Kong. It is not intended for download, or use by, any person in any jurisdiction where such download or use would be contrary to any law or regulation of such jurisdiction or where we are not licensed or authorised to provide Reward+ and/or any of its services, functions or features.

Risk Disclosure

Unit Trusts

  1. In the worst case scenario, the value of the funds may be worth substantially less than the original amount you invested (and in an extreme case could be worth nothing).
  2. Funds which are invested in certain markets and companies (e.g. emerging, commodity markets and smaller companies etc.) may also involve a higher degree of risk and are usually more sensitive to price movements.
  3. Credit Risk/Interest Rate Risk – a fund that invests in fixed income securities may fall in value if interest rates change, and is subject to the credit risk that issuers may not make payments on such securities. Price of the fund may have a high volatility due to investment in financial derivative instruments and may involve a greater degree of risk than in the case with conventional securities.
  4. Counterparty Risk – a fund will be exposed to credit risk on the counterparties with which it trades in relation to financial derivative instrument contracts that are not traded on a recognised exchange. Such instruments are not afforded the same protections as may apply to participants trading financial derivative instruments on organised exchanges, such as the performance guarantee of an exchange clearing house. A fund will be subject to the possibility of insolvency, bankruptcy or default of a counterparty with which a fund trades such instruments, which could result in substantial loss to a fund.

Bonds and Certificates of Deposit (“CDs”)

  1. Bonds/CDs are mainly medium to long term fixed income products, not for short term speculation. You should be prepared to hold your funds in bonds/CD for the full tenor. You could lose part or all of your principal if you choose to sell your bonds/CDs prior to maturity.
  2. Indicative prices of bonds/CDs are available and the bonds/CDs price do fluctuate when market changes. Factors affecting market price of bonds/CDs include, and are not limited to, fluctuations in Interest Rates, Credit Spreads, and Liquidity Premiums. The fluctuation in yield generally has a greater effect on prices of longer tenor bonds/CDs. There is an inherent risk that losses may be incurred rather than profit made as a result of buying and selling bonds/CDs.
  3. It is the issuer to pay interest and repay principal of bonds/CDs. If the issuer defaults, the holder of bonds/CDs may not be able to receive back the interest and principal. The holder of bonds/CDs bears the credit risk of the issuer and has no recourse to the Bank unless the Bank is the issuer itself.
  4. If you wish to sell bonds/CDs, HSBC may repurchase them based on the prevailing market price under normal market circumstances, but the selling price may differ from the original buying price due to changes in market conditions.
  5. There may be exchange rate risks if you choose to convert payments made on the bond/CDs to your home currency.
  6. The secondary market for bonds/CDs may not provide significant liquidity or may trade at prices based on the prevailing market conditions and may not be in line with the expectations of holders of bonds/CDs.
  7. If bonds/CDs are early redeemed, you may not be able to enjoy the same rates of return when you use the funds to purchase other products.

Deposit Plus (DPS)

  1. Deposit Plus NOT equivalent to, nor should it be treated as a substitute for, time deposit. It is NOT a protected deposit and is NOT protected by the Deposit Protection Scheme in Hong Kong.
  2. Derivatives risk – Deposit Plus is embedded with FX option(s). Option transactions involve risks, especially when selling an option. Although the premium received from selling an option is fixed, you may sustain a loss well in excess of such premium amount, and your loss could be substantial.
  3. Limited potential gain – The maximum potential gain is limited to the interest on the deposit.
  4. Maximum potential loss – Deposit Plus is not principal protected. You must be prepared to incur loss as a result of depreciation in the value of the currency paid (if the deposit is converted to the linked currency at maturity). Such loss may offset the interest earned on the deposit and may even result in losses in the principal amount of the deposit.
  5. Not the same as buying the linked currency – Investing in Deposit Plus is not the same as buying the linked currency directly.
  6. Market risk – The net return of Deposit Plus will depend upon the exchange rate of deposit currency against the linked currency prevailing at the deposit fixing time on the fixing date. Movements in exchange rates can be unpredictable, sudden and drastic, and affected by complex political and economic factors.
  7. Liquidity risk – Deposit Plus is designed to be held until maturity. You do not have a right to request early termination of this product before maturity. Under special circumstances, the Bank has the right to accept your early redemption request at its sole discretion and on a case by case basis. The Bank will provide an indication of the redemption price upon such request. Your return upon such early redemption will likely be lower than that if the deposit were held until maturity and may be negative.
  8. Credit risk of the Bank – Deposit Plus is not secured by any collateral. When you invest in this product, you will be relying on the Bank's creditworthiness. If the Bank becomes insolvent or defaults on its obligations under this product, you can only claim as an unsecured creditor of the Bank. In the worst case, you could suffer a total loss of your deposit amount.
  9. Risks relating to RMB - You should note that the value of RMB against other foreign currencies fluctuates and will be affected by, amongst other things, the PRC government's control (for example, the PRC government regulates conversion between RMB and foreign currencies), which may adversely affect your return under this product. In case you receive RMB as Linked Currency at maturity and you choose to convert your maturity proceed to other currencies, you may suffer loss in principal. This product will be denominated (if Deposit Currency being RMB) and settled (when receive RMB at maturity) in RMB deliverable in Hong Kong, which is different from that of RMB deliverable in Mainland China.

Renminbi (“RMB”) Products

  1. There may be exchange rate risks if you choose to convert payments made on RMB related products to your home currency.
  2. RMB products may suffer significant losses in liquidating the underlying investments if such investments do not have an active secondary market and their prices have large bid/offer spreads.
  3. In general, RMB equity products are exposed to the usual kind of default risks that might be associated with equity products denominated in other currencies.
  4. RMB debt instruments are subject to interest rate fluctuations, which may adversely affect the return and performance of the RMB products.
  5. You could lose part or all of your principal if you choose to sell your RMB products prior to maturity.

Securities Trading

  1. The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities.

China A Shares

  1. Investment in China A Shares through Shanghai-Hong Kong and Shenzhen-Hong Kong Stock Connect involves risks. You should carefully consider whether any investment products or services mentioned herein are appropriate for you in view of your investment experience, objectives, financial resources and relevant circumstances. The price of securities may move up or down. Losses may be incurred and profits may be made as a result of buying and selling securities.
  2. For further information, you should refer to the risk disclosures and other terms set out in the China Connect/Shanghai-Hong Kong and Shenzhen-Hong Kong Stock Connect Terms and Conditions.

Currency Conversion

  1. The value of your foreign currency and RMB deposit will be subject to the risk of exchange rate fluctuation. If you choose to convert your foreign currency and RMB deposit to other currencies at an exchange rate that is less favourable than the exchange rate in which you made your original conversion to that foreign currency and RMB, you may suffer loss in principal.

You should carefully consider whether any investment products or services mentioned herein are appropriate for you in view of your investment experience, objectives, financial resources and circumstances.

The remuneration for sales staff is determined based on the staff's overall performance with reference to a wide range of factors, and is subject to review from time to time, for the purpose of encouraging the building of deep, long‐lasting and mutually valuable relationships with customers. It is not determined solely on financial performance.

Making available to you any advertisements, marketing or promotional materials, market information or other information relating to a product or service shall not, by itself, constitute solicitation of the sale or recommendation of any product or service. If you wish to receive solicitation or recommendation from us, please contact us and, where relevant, go through our suitability assessment before transacting.

The information in this document does not constitute a solicitation for making any deposit or investment in any products referred to herein. You should carefully consider whether any investment products or services mentioned herein are appropriate for you in view of your investment experience, objectives, financial resources and circumstances. This material has not been reviewed by the Securities and Futures Commission of Hong Kong.

To borrow or not to borrow? Borrow only if you can repay!

Enjoy welcome rewards of up to $1,300 RewardCash1 upon opening a designated integrated account2