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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%
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%

Regular Time Deposit

Minimum balance requirement: PHP25,000
Tenor Interest Rate p.a.
1 month 0.125%
2 months 0.125%
3 months 0.125%
4 months 0.125%
6 months 0.125%
12 months 0.125%

Regular Time Deposit

Minimum balance requirement: PHP25,000
Tenor 1 month
Interest Rate p.a. 0.125%
Tenor 2 months
Interest Rate p.a. 0.125%
Tenor 3 months
Interest Rate p.a. 0.125%
Tenor 4 months
Interest Rate p.a. 0.125%
Tenor 6 months
Interest Rate p.a. 0.125%
Tenor 12 months
Interest Rate p.a. 0.125%

High Yield Time Deposit

Minimum balance requirement: PHP100,000
Tenor PHP100,000 up to PHP999,999 PHP1,000,000 up to PHP4,999,999 PHP5,000,000 and above
1 month 0.125% 0.25% 0.25%
2 months 0.125% 0.25% 0.25%
3 months 0.125% 0.25% 0.25%
4 months 0.125% 0.25% 0.25%
6 months 0.125% 0.25% 0.25%
12 months 0.125% 0.25% 0.25%

High Yield Time Deposit

Minimum balance requirement: PHP100,000
Tenor 1 month
PHP100,000 up to PHP999,999 0.125%
PHP1,000,000 up to PHP4,999,999 0.25%
PHP5,000,000 and above 0.25%
Tenor 2 months
PHP100,000 up to PHP999,999 0.125%
PHP1,000,000 up to PHP4,999,999 0.25%
PHP5,000,000 and above 0.25%
Tenor 3 months
PHP100,000 up to PHP999,999 0.125%
PHP1,000,000 up to PHP4,999,999 0.25%
PHP5,000,000 and above 0.25%
Tenor 4 months
PHP100,000 up to PHP999,999 0.125%
PHP1,000,000 up to PHP4,999,999 0.25%
PHP5,000,000 and above 0.25%
Tenor 6 months
PHP100,000 up to PHP999,999 0.125%
PHP1,000,000 up to PHP4,999,999 0.25%
PHP5,000,000 and above 0.25%
Tenor 12 months
PHP100,000 up to PHP999,999 0.125%
PHP1,000,000 up to PHP4,999,999 0.25%
PHP5,000,000 and above 0.25%

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

 0.01%
(AUD) Australian Dollar
 25,000 < 125,000
 0.02%
(AUD) Australian Dollar
 125,000 and up
 0.03%
(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%
(GBP) Pound Sterling

2,500 < 10,000

 0.01%
(GBP) Pound Sterling
 10,000 < 50,000
 0.02%
(GBP) Pound Sterling
 50,000 and above
 0.03%
(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 0.01%
Account (AUD) Australian Dollar
Minimum balance requirements* 25,000 < 125,000
Interest rate per annum 0.02%
Account (AUD) Australian Dollar
Minimum balance requirements* 125,000 and up
Interest rate per annum 0.03%
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 (GBP) Pound Sterling
Minimum balance requirements*

2,500 < 10,000
Interest rate per annum 0.01%
Account (GBP) Pound Sterling
Minimum balance requirements* 10,000 < 50,000
Interest rate per annum 0.02%
Account (GBP) Pound Sterling
Minimum balance requirements* 50,000 and above
Interest rate per annum 0.03%
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/Personal Banking 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 quarterly basis for savings accounts and upon maturity for time deposits.
  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 Service at (02) 8858-0000 or (02)7976-8000 from Metro Manila, +1-800-1-888-8555 PLDT domestic toll-free, (International Access Code) + 800-100-85-800 international toll-free for selected countries/regions, or talk to us through Chat by clicking on the icon at the bottom right of our homepage. 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) https://www.bsp.gov.ph. You may get in touch with the Bangko Sentral Consumer Protection and Market Conduct Office through their Email: consumeraffairs@bsp.gov.ph; Webchat: http://www.bsp.gov.ph; Facebook: https://www.facebook.com/BangkoSentralngPilipinas or SMS: 021582277 (for Globe subscribers only).

Deposits are insured by PDIC up to PHP500,000 per depositor.

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

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