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Interest rates

Peso accounts

Accounts and requirements - Peso accounts
Account Minimum balance requirements* Interest rate per annum
Savings account  No minimum balance required*
 0.005%
Current account No minimum balance required*
 0.00%
Regular Time Deposit PHP25,000
 Please reach out to your branch for the latest Time Deposit Interest Rates
High Yield Time Deposit PHP100,000
 Please reach out to your branch for the latest Time Deposit Interest Rates
Accounts and requirements - Peso accounts
Account Savings account 
Minimum balance requirements* No minimum balance required*
Interest rate per annum 0.005%
Account Current account
Minimum balance requirements* No minimum balance required*
Interest rate per annum 0.00%
Account Regular Time Deposit
Minimum balance requirements* PHP25,000
Interest rate per annum Please reach out to your branch for the latest Time Deposit Interest Rates
Account High Yield Time Deposit
Minimum balance requirements* PHP100,000
Interest rate per annum Please reach out to your branch for the latest Time Deposit Interest Rates

USD accounts

Accounts and requirements - USD accounts
Account Minimum balance requirements* Interest rate per annum
Savings account No minimum balance required* 0.00%
Current account Only applicable for customers who already a USD current account 0.00%
Accounts and requirements - USD accounts
Account Savings account
Minimum balance requirements* No minimum balance required*
Interest rate per annum 0.00%
Account Current account
Minimum balance requirements* Only applicable for customers who already a USD current account
Interest rate per annum 0.00%

Other currencies - Time Deposit Account

Account and requirements - other currencies time deposit account
Account Minimum balance requirements* Interest rate per annum
(AUD) Australian Dollar

3,000 < 25,000

 0.10%
(AUD) Australian Dollar
 25,000 and up
 0.12%
(CAD) Canadian Dollar

2,500 < 25,000

 0.01%
(CAD) Canadian Dollar
 25,000 < 125,000
 0.02%
(CAD) Canadian Dollar 125,000 and up 0.03%
(CHF) Swiss Franc

3,000 < 50,000 

 0.01%
(CHF) Swiss Franc
 50,000 < 150,000
 0.02%
(CHF) Swiss Franc 150,000 and up 0.03%
(EUR) Euro

2,500 < 75,000

 0.05%
(EUR) Euro 75,000 and up 0.07%
(GBP) Pound Sterling

2,500 < 10,000

 0.10%
(GBP) Pound Sterling
 10,000 and up
 0.12%
(HKD) Hong Kong Dollar

20,000 < 150,000

 0.01%
(HKD) Hong Kong Dollar

150,000 < 750,000 

 0.02%
(HKD) Hong Kong Dollar 750,000 and up 0.03%
(NZD) New Zealand Dollar

3,000 < 50,000

 0.01%
(NZD) New Zealand Dollar

50,000 < 200,000

 0.02%
(NZD) New Zealand Dollar 200,000 and up 0.03%
(RMB) Renminbi

20,000 < 150,000

 0.01%
(RMB) Renminbi

150,000 < 750,000

 0.02%
(RMB) Renminbi 750,000 and up 0.03%
Account and requirements - other currencies time deposit account
Account (AUD) Australian Dollar
Minimum balance requirements*

3,000 < 25,000
Interest rate per annum 0.10%
Account (AUD) Australian Dollar
Minimum balance requirements* 25,000 and up
Interest rate per annum 0.12%
Account (CAD) Canadian Dollar
Minimum balance requirements*

2,500 < 25,000
Interest rate per annum 0.01%
Account (CAD) Canadian Dollar
Minimum balance requirements* 25,000 < 125,000
Interest rate per annum 0.02%
Account (CAD) Canadian Dollar
Minimum balance requirements* 125,000 and up
Interest rate per annum 0.03%
Account (CHF) Swiss Franc
Minimum balance requirements*

3,000 < 50,000 
Interest rate per annum 0.01%
Account (CHF) Swiss Franc
Minimum balance requirements* 50,000 < 150,000
Interest rate per annum 0.02%
Account (CHF) Swiss Franc
Minimum balance requirements* 150,000 and up
Interest rate per annum 0.03%
Account (EUR) Euro
Minimum balance requirements*

2,500 < 75,000
Interest rate per annum 0.05%
Account (EUR) Euro
Minimum balance requirements* 75,000 and up
Interest rate per annum 0.07%
Account (GBP) Pound Sterling
Minimum balance requirements*

2,500 < 10,000
Interest rate per annum 0.10%
Account (GBP) Pound Sterling
Minimum balance requirements* 10,000 and up
Interest rate per annum 0.12%
Account (HKD) Hong Kong Dollar
Minimum balance requirements*

20,000 < 150,000
Interest rate per annum 0.01%
Account (HKD) Hong Kong Dollar
Minimum balance requirements*

150,000 < 750,000 
Interest rate per annum 0.02%
Account (HKD) Hong Kong Dollar
Minimum balance requirements* 750,000 and up
Interest rate per annum 0.03%
Account (NZD) New Zealand Dollar
Minimum balance requirements*

3,000 < 50,000
Interest rate per annum 0.01%
Account (NZD) New Zealand Dollar
Minimum balance requirements*

50,000 < 200,000
Interest rate per annum 0.02%
Account (NZD) New Zealand Dollar
Minimum balance requirements* 200,000 and up
Interest rate per annum 0.03%
Account (RMB) Renminbi
Minimum balance requirements*

20,000 < 150,000
Interest rate per annum 0.01%
Account (RMB) Renminbi
Minimum balance requirements*

150,000 < 750,000
Interest rate per annum 0.02%
Account (RMB) Renminbi
Minimum balance requirements* 750,000 and up
Interest rate per annum 0.03%

*No minimum balance will be required to open Peso Savings, Foreign Currency Savings , and Peso Current Accounts. However, customer should always have a balance greater than zero to avoid automatic closure of accounts. Further, customer must meet the HSBC Premier or HSBC Advance eligibility criteria at all times.

General Disclaimers:

  1. Interest rates are subject to change without notice
  2. Interest rates are calculated daily and credited to the account on a monthly basis
  3. Deposit and foreign exchange rates provided are indicative only and subject to change by the Bank at any time without notice
  4. 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.

For inquiries or complaints, please call HSBC's Customer Services at (02)8858-0000 from Metro Manila, 
+1-800-1-888-8555 PLDT domestic toll-free, (02)7976-8000 from overseas, (country code) + 800-100-85-800 international toll-free for selected countries, or send an email to hsbc@hsbc.com.ph. If you want to find out more about HSBC's customer feedback procedures, please visit hsbc.com.ph/feedback.

The Hongkong and Shanghai Banking Corporation Limited is an entity regulated by the Bangko Sentral ng Pilipinas (Bangko Sentral). You may also get in touch with the Bangko Sentral Financial Consumer Protection Department through their email: consumeraffairs@bsp.gov.ph.

Deposits are insured by PDIC up to P500,000 per depositor.

Note: Do not provide your account or credit card numbers or disclose any other confidential information or banking instructions through email.

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