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HSBC One

Our all-in-one account offers a comprehensive digital banking experience with exclusive lifestyle benefits and great rewards!

HSBC One - the digital wealth banking suite to help you achieve financial freedom

Spend and save in 11 major currencies with your HSBC One account. Enjoy exclusive benefits such as the new Flash Friday rewards, auto-payroll setup and saving rates offers. You can invest or make time deposits and more, all without having to maintain a minimum total relationship balance with us. Open an account on your mobile in just 5 minutesFootnote link 1.

Elevate your lifestyle with our exclusive benefits

HSBC One '2025 LoL World Championship' Tickets Lucky Draw

Register This link will open in a new window for the lucky drawFootnote link 2 and complete designated tasks for a chance to win the following prizes. 

  • Mastercard Priceless Experience Package for 2 days and 1 night (4 winners). This includes 2 premium tickets to '2025 LoL World Championship', 1 night of hotel stay in Chengdu, 2 round-trip tickets from Hong Kong to Chengdu and a dedicated onsite concierge/ host
  • 2 ticketsFootnote link 3 to '2025 LoL World Championship', presented by Mastercard (35 winners)

Eligibility: New HSBC One customers can get 3 lucky draw chances when you successfully open/ upgrade to an HSBC One account, and apply for an HSBC Red Credit Card or HSBC Mastercard® Debit Card. Existing HSBC One customers can apply for either card to get 1 lucky draw chance.

The promotional period is from 1 August to 4 September 2025. To borrow or not to borrow? Borrow only if you can repay! T&Cs This link will open in a new window apply.

HSBC One is here for your every first

Whether it's your first graduation trip, your first part-time job, or the first-time making decision about your future, HSBC One is here to support you! Until 30 September 2025, customers aged 18 to 25 who join HSBC One can earn rewards worth up to HKD1,700:

  • Register This link will open in a new window and add funds of HKD2,000 or more within one month after account opening to enjoy complimentary 3-in-1 annual travel insurance protection, including overseas medical, baggage and personal belongings, and personal accident coverageFootnote link 4
  • Up to 3.5% p.a. Online New Fund Time Deposit rates and earn extra $250 RewardCash
  • Extra $200 RewardCash: Apply online for an HSBC Red Credit Card or HSBC Visa Gold Card for Students
  • HKD200 Klook e-Gift Card: Apply online for an eligible life insurance planFootnote link 5 with 'HAPPYFIRST' (annualised new premium of HKD20,000 or above)
  • $20 RewardCash: HKD20,000 or more (or equivalent) FX transaction in designated currencies
  • A total of HKD30 PayMe multi-merchant vouchers​
  • HKD1,000 Apple gift card: Join Trade25 and complete 10 eligible transactions in Hong Kong, US, or China A-sharesFootnote link 6

Terms and conditions This link will open in a new window apply.

Join HSBC One to experience low threshold and value for money banking!

Open an HSBC One account and enjoy the following as welcome offers:

  • Up to 6.4% p.a. HKD bonus savings interest rateFootnote link 7
  • Complimentary HSBC HealthPass Standard Annual Plan membership (worth HKD456)Footnote link 8: Enjoy 20% off on consultation fees at 1,800+ medical service providers including dentistryFootnote link 9, plus one free medical video consultation with medicine delivery
  • HSBC Trade25 limited-time offer: Enjoy a lifetime $0 commission stock trading, and earn up to HKD1,000 Apple Gift CardFootnote link 6  by completing 10 eligible transactionsFootnote link 10

Investment involves risks. Terms and conditions apply.

Key features

Manage your money on the go with one app

Manage your wealth, set up payroll, place deposits, or convert 11 major currencies anytime anywhere – all with zero minimum balance requirements.

Invest and insure without any worries

Build a portfolio with access to the right tools and information on our trusted investment platform. Enjoy easy access and low entry barriers, making it simpler for you to start your investment journey. Plus, enjoy all-round protection with insurance policy support whenever you need.

Earn rewards that match your lifestyle

Earn rewards and much more when you dine, shop, play and travel with HSBC credit cards, debit cards and Personal Instalment Loan.

Enjoy exclusive upgraded benefits when you add funds

Simply maintain an average Total Relationship Balance of HKD500,000 or above with us in previous 2 months to enjoy exclusive benefits.

Discover how we help you get the most out of life

Let your interest grow

Make the most of your money instead of letting it sit idle. Simply complete these 5 challenges to enjoy exclusive savings rate of up to 6.4% p.a., whether you're a new HSBC One customer, or an eligible existing customer. Unlock an additional bonus with each challenge.

  • Deposit new funds
  • Exchange foreign currencies
  • Become new-to-investment customers
  • Take up new eligible life insurance plan
  • Pay merchants with PayMe

Invest and insure without any worries

Enjoy more investment and insurance perks with HSBC One 2.0!

Add funds, reap rewards

Maintain an average Total Relationship Balance(PDF) open hsbc one pdf This link will open in a new window of HKD500,000 or above with us in previous 2 months to access exclusive upgraded benefits.

Learn how to check your Total Relationship Balance (TRB).

Earn rewards as you spend or borrow

Discover the hottest year-round offers with HSBC credit cards and HSBC Mastercard® Debit Card.

Manage your everyday banking on the go

Open an HSBC One account via HSBC HK App in just 5 minutesFootnote link 1, and banking smarter with these features.

  • Make 24/7 exchanges for up to 11 major currenciesFootnote link 12 on the HSBC HK App, or set up FX Order Watch or rate alerts to save you the hassle of watching the market
  • Track expenses from all your HSBC bank accounts and credit cards using the 'Budget' feature. Find out where you spend the most, and set monthly budgets to monitor your expenses. We'll also remind you when you overspend.
  • Use Future Planner to project your finances for every stage of your life. We'll run real-time simulations and show you how likely you are to achieve your personal goals.
  • Speak to our representative via 'Chat with us' for any wealth management and investment queries

Stay in shape with our special health privileges

Health is the key to winning it all. As HSBC One customers, you and your family can enjoy:

  • up to 64% discount on select health check programmes at private hospitals
  • up to 22% discount on health check, Weight Management & Speech Therapist package for Child, along with discount on Men/Women programmes at Hong Kong Adventist Hospital - Stubbs Road
  • over 100 healthcare offers This link will open in a new window (including Health Check, Vaccination, Lasik and Eye Care, Chinese Medicine and Others) if you hold an HSBC credit card

Get more from life with rewards exclusive to HSBC One

Live your best life with financial freedom. Make the most of our offers across savings, investment and insurance, health and more.

Get more from your payroll with exclusive rewards!

New HSBC auto-payroll customersFootnote link 13 can unlock these offers:

  • Earn up to $1,800 RewardCash (RC)
  • Enjoy extra $100 RewardCash when you successfully apply for and activate selected HSBC credit cards
  • Enjoy premium discountsFootnote link 14 on selected Qualifying Deferred Annuity PlansFootnote link 15
  • Enjoy premium discountsFootnote link 14 on selected Voluntary Health Insurance Scheme (VHIS) plansFootnote link 16

Discount of premiums is not tax deductible.

 

More offers for both newFootnote link 13 and existing auto-payroll customers:

T&Cs apply.

Open an HSBC One account

Apply on HSBC HK App

Open an HSBC One account as a new customer, or upgrade your existing Personal Integrated Account or standalone HSBC deposit accounts, via HSBC HK Mobile Banking appFootnote link 20 in less than 5minsFootnote link 1.

Already banking with us?

But not an integrated account holder? Not a problem. You can open an HSBC One account via mobile banking in minutes.

If you're on a desktop, scan the QR code with a mobile device to apply on the app, no matter you're a new customer or already banking with us.

QR code to be scanned with mobile device to generate mobile app account opening page journey for sole customers.

Other ways to apply

Additional information

Digital financial management at your fingertips   

mobile banking
Open a bank account in minutes and manage your money on the go.
easy invest
Trade stocks, see market trends and get in-depth analyses and stock quotes on the go with the HSBC HK Easy Invest app.
reward
Discover the latest offers and deals in town, and make the most of your RewardCash.
payme by HSBC

Split bills with your friends in just a few taps and pay anyone instantly.

SVF Licence Number: SVFB002

Notes

  1. Actual time may differ depending on individual circumstances.

  2. The promotional period for '2025 LoL World Championship' Tickets Lucky Draw is from 1 August to 4 September 2025 (both dates inclusive).

    This offer is open to new and existing HSBC One customers who:

    -open, upgrade to or hold an HSBC One account;

    -submit the application for an HSBC Red Credit Card or Mastercard® Debit Card;

    -submit the registration form; and,

    -meet the terms and conditions.

    Please read the Promotional Terms and Conditions (PDF) for full details.

  3. Tiering of the tickets will be randomly assigned by Mastercard.
  4. For details, please read the policy factsheet (PDF) to learn more.
  5. If a customer has cancelled any application which were submitted or effected on or before 14 May 2025 and subsequently applies for the same Eligible Life Insurance Plan during Promotional Period, the new life insurance application won't be eligible for this promotional offer. The Eligible Life Insurance Plan must be issued on or before 30 November 2025 in order for the Eligible Customer to be entitled to this promotional offer.

  6. Please note that each eligible transaction must be completed on different calendar weeks. That means multiple stock transactions completed within the same calendar week will only be counted as one Eligible Stock Transaction.

    The promotional period is from 1 January to 31 December 2025 (both dates inclusive). Terms and conditions apply.

  7. The promotional period for HKD saving interest rate is from 1 June to 31 August 2025 (both dates inclusive). Terms and conditions apply. Board Rate is only applicable to HKD Saving Account(s). Board Rate stated above are for reference only and are not guaranteed. The aforesaid rate is subject to change from time to time and at the Bank’s sole and absolute discretion. For the latest Board Rate, please visit HSBC website > Banking > Savings accounts > Find out more > Interest rates.
  8. The promotional period for the HSBC HealthPass Standard Annual Plan welcome offer is from 17 July to 31 December 2025 (both dates inclusive). Terms and conditions (PDF) apply.
  9. The list of HSBC Life Care+ Medical Network providers and their categories are subject to change. Dentistry includes oral examination, clinical advice, scale and polish, tooth extraction, tooth filling, root canal treatment, crown and bridge. For details, please refer to the HealthyLife app.
  10. 'Lifetime $0 commission' offer is applicable to HSBC Trade25 customers who are 26 years old or above, if they meet the minimum transaction requirement every calendar year since joining Trade25 (including the year they joined Trade25). $0 commission is applicable to the first cumulative HKD250,000 trading volume per calendar month. The HKD25 monthly fee will only be collected for each customer account that has a securities transaction or holding during the calendar month. Terms and conditions apply. Please visit HSBC Trade25 website for further details.
  11. Subject to terms and conditions. Please visit Terms and Conditions of HSBC Red Credit Card Reward Scheme(PDF) for details.
  12. Major currencies include US dollar, Pound sterling, Japanese yen, Renminbi, Euro, Thai baht, Australian dollar, New Zealand dollar, Singapore dollar, Canadian dollar and Swiss franc.
  13. 'New HSBC auto-payroll customers' refers to customers who don't have any payroll record with us from 1 January to 30 June 2025.

  14. We reserve the right to revoke any product discount successfully applied for, if payroll isn't deposited:

    −via autopay; and

    −into the Eligible Customer's HKD savings or current account held with the bank during the Premium Discount Promotional Period

    If any Eligible HSBC Customer cancels applications that were submitted or processed on or before the start date of the Premium Discount Promotional Period, and then applies for selected life insurance plans during the same promotional period, the new life insurance application won't be eligible for this discount offer. Terms and Conditions apply.

  15. Qualifying Deferred Annuity Plans 'QDAP plans' include HSBC Income Goal Deferred Annuity Plan and HSBC EarlyIncome Deferred Annuity Plan. For the latest premium discount rate and other details, please refer to Premium Discount Offer for HSBC Income Goal Deferred Annuity Plan or HSBC EarlyIncome Deferred Annuity Plan Terms and Conditions.
  16. Voluntary Health Insurance Scheme (VHIS) plans include HSBC Voluntary Health Insurance One Plan and HSBC Voluntary Health Insurance Flexi Plan (VHF). For the latest premium discount rate and other details, please refer to Premium Discount Offer of HSBC Voluntary Health Insurance Terms and Conditions.

  17. This offer is only applicable to selected Payroll customers who successfully apply for and draw down an approved loan of HKD1,500,000 or above during the promotional period. For a repayment period of 12 months, the monthly flat rate is 0.11%.

    The Annualised Percentage Rate (APR) is:

    −2.47% (without any cash rebate and RewardCash); or,

    −1.99% (taking into account HKD2,500 cash rebate and $1,300 RewardCash).

    The APR is calculated using method specified in relevant guidelines issued by The Hong Kong Association of Banks, and is rounded up or down to the nearest two decimal places.

    An APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate.

    For your eligible rates and other details, please call our hotline (852) 2748 8080, or log on to HSBC Online Banking or the HSBC HK App.

  18. The total reward includes up to HKD12,000 in cash rebate and $4,000 RewardCash under the Successful Application Offer. Payroll customers who successfully apply for and draw down an approved loan of HKD1,500,000 or above with a 60-month repayment period during the promotional period will be eligible for a total rebate of up to $16,000.
  19. The potential earnings of up to $2,000 RewardCash are applicable only to customers who hold an in-force HSBC Life insurance policy. Please refer to relevant terms and conditions and FAQs on the Well+ webpage and on the HSBC Mobile Banking app for details.
  20. Applicable to HKID holders (permanent or non-permanent resident) aged 18-75 residing in Hong Kong who do not hold any HSBC bank/ investment accounts or credit cards currently. If you fall outside this criteria, you can apply in a branch or by phone.

Risk Disclosure 

  • To borrow or not to borrow? Borrow only if you can repay!
  • This information and offers are intended for persons in Hong Kong.
  • Investment involves risk and past performance is not indicative of future performance. Please refer to the offering documents for further details, including fees and charges and risk factors.
  • The price of products may move up or down. Losses may be incurred as well as profits made as a result of buying and selling products.
  • Currency conversion risk - 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.
  • Board Rate is only applicable to HKD Saving Account(s). Board Rate stated above are for reference only and are not guaranteed. The aforesaid rate is subject to change from time to time and at the Bank's sole and absolute discretion. For the latest Board Rate, please visit HSBC website > Banking > Savings accounts > Find out more > Interest rates.
  • The above interest rates are for reference only.  They are not guaranteed and maybe subject to revision, as per prevailing market conditions.


Tax Implications

Qualifying Deferred Annuity Policy("QDAP"): The certification status of the above QDAPs do not automatically guarantee that you will be eligible for a tax deduction for QDAP premiums you have paid. The certification status of the QDAPs is based on the features of the product as well as their compliance with the criteria set out in the guideline issued by the Insurance Authority ("IA"); not necessarily matters regarding other tax related criteria or your personal situation. Before claiming any tax deductions, you must meet all eligibility requirements set out in the provisions under the Inland Revenue Ordinance, while following the guidance issued by the Inland Revenue Department (“IRD”) of the Hong Kong SAR. Please note that the actual tax benefits of these policies would depend on your personal tax position and there might not be tax deductions benefits if you are not subject to salaries tax and personal assessment in the relevant year of assessment. You should refer to the website of the IRD (www.ird.gov.hk This link will open in a new window) or contact the IRD directly for any tax related enquiries.

 

Disclaimer

The life insurance plans are underwritten by HSBC Life, which is authorised and regulated by the Insurance Authority of the Hong Kong SAR to carry on long-term insurance business in the Hong Kong SAR and is incorporated in Bermuda with limited liability. HSBC Life will be responsible for providing your insurance coverage and handling claims under your life insurance policy. The Bank is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agency of HSBC Life for the distribution of life insurance products in the Hong Kong SAR. The above products are products of HSBC Life but not the Bank and they are intended only for sale in the Hong Kong SAR. They are not a bank deposit or bank savings plan. If the policyholder discontinues and / or surrenders the insurance plan in the early policy years, the amount of the benefit he / she will get back may be considerably less than the amount of the premium he / she has paid. Your benefit is subject to the credit risk of HSBC Life. Your premiums paid will form part of HSBC Life's assets. You do not have any rights or ownership over any of those assets. Your recourse is against HSBC Life only.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between HSBC and you out of the selling process or processing of the related transaction, HSBC is required to enter into a Financial Dispute Resolution Scheme process with you; however, any dispute over the contractual terms of the above insurance product should be resolved between HSBC Life and you directly. For product details, cooling off period and related charges, please refer to the relevant brochures and policy provisions.