All@HSBC One. All at once.

HSBC One helps you plan ahead with spending and money management while learning about how to invest. Not to mention, we have the most exciting merchant offers in town to help you earn while you spend, plus a wellness reward programme that enables you to be physically, mentally and financially fit. With these combined banking perks, we can help you realise a better version of yourself! It’s time to start your MEvolution@HSBC One, all at once. Open an account via the HSBC HK App in just 5 minutes⁶ and earn up to HKD2,400 in rewards²⁰ !

Quick tips

• Simply download the HSBC HK App and open an HSBC One account, then head to the tabs on the homepage to explore the different banking categories. You can open an investment account, trade stocks, set up your monthly 'Budget', make financial transactions or set standing instructions. Do any of these 3 times or more to enjoy offer¹！
  

Log on to the HSBC HK Easy Invest app and join Trade 25, a pricing programme for young investors aged 18-25⁷. Trade Hong Kong, US and China A shares with $0 commission and $0 platform fees for only HKD25 per month¹⁰. Say goodbye to Wealth A0 all at once!

With FlexInvest , you only need HKD100 to start investing in funds with a diversified portfolio, allowing you to establish your wealth quickly.

Feeling apprehensive about investing? We have our Wealth Coach to help answer your questions! Just go to ‘Chat with us’ on the HSBC HK App and you’ll be able to find them. You can even book a 1-on-1 session at the ChatnChill Bar via a Zoom meeting, where we will help you with your financial planning to reach your goals.

Quick tips

• Select the 'Investment' tab on the HSBC HK App, and you’ll be able to open an investment account in 6 simple steps. Make your first investment of HKD500 or above in stocks, unit trusts or hand-selected funds with FlexInvest to enjoy the offer².
  
• To enjoy the offer³, go to 'FlexInvest' on the 'Investment' tab to start trading unit trust for the first time.
  
• Select 'IPO' on the 'Investment' tab to make an IPO subscription with handling fee waived¹².
• If you are 18 to 25 years old, all it takes is a few minutes to sign up for HSBC Trade25⁷ and experience stock trading with $0 commission¹⁰. Open an investment account and download the HSBC HK Easy Invest app. Open the app, select the menu in the top left corner, and tap "Trade25" to apply.
  

When you know how to use HSBC credit cards, the best credit card in town¹³ and PayMe, whether for online or physical shopping, you’ll find the best offers to explore all the shopping hotspots in Hong Kong – now you can earn and burn all at once!

This season, link your HSBC Visa Platinum Card to the designated loyalty programme and earn up to 6X points by spending at designated merchants¹⁴. You can also enjoy discounts of up to 8% off on Member Day and exclusive birthday offers at these merchants!

With Rewards of Your Choice, you can earn up to 2.4% RewardCash rebate¹⁵ all year round by allocating your extra RewardCash among your 5 preferred spending categories.

You can even settle your HSBC credit cards¹⁶ by instalments instantly during check-out at over 2,000 participating merchants¹⁷, so that you can enjoy more flexibility while spending.

Quick tips

• On the HSBC HK App homepage, scroll down to select 'Credit cards', and then 'Discover credit cards' to apply for the card that best suits your needs. Receive up to $1,000 RewardCash when you successfully apply for one and an extra $100 RewardCash when you open an HSBC One account at the same time.⁴
• Remember to download Reward+ and PayMe, so that you can look at all the available offers, no matter when or where! 
  

Simply download the HSBC HK App and open an HSBC One account in minutes⁶.

If you already hold a current, saving, time deposit or investment account that is not under an HSBC integrated account, you can open an HSBC One account via the HSBC HK App to unlock better banking at fewer fees instantly.

If you have any questions about applying for an account, you can chat with us via the Live Chat tab on HSBC website or WhatsApp us on +852 2233 3000.

Terms and Conditions apply. Please refer to the Terms and Conditions for Selected Life Insurance Offer for New to HSBC One account – Up to HKD300 HKTVmall e-coupon for further details.

6. Actual required time may differ depending on individual circumstances.

7. To join Trade25, you must be aged 18 to 25 (inclusive), be the sole or primary account holder of an eligible Investment Account and join through HSBC HK Easy Invest app. Please refer to the relevant Conditions for further details.

8. The offer includes $300 RewardCash for HSBC Visa Gold Card for Students Welcome Offer with promotional period from 1 April 2022 to 31 March 2023 and $100 RewardCash for HSBC One x HSBC Credit Card Top Up Offer with promotional period from 3 May 2022 to 31 July 2022. This offer of up to $400 RewardCash only applies to eligible customers fulfilling the requirements in the relevant Promotional Terms & Conditions from 3 May 2022 to 31 July 2022 (both dates inclusive). Terms and conditions apply. Please refer to the Terms and Conditions for HSBC Visa Gold Card for Students Welcome Offerand Promotional Terms and Conditions of HSBC One x HSBC Credit Card Top Up Offer – $100 RewardCash for further details.

9. The promotional period is from 1 April 2022 to 1 March 2023. This reward is only applicable to HSBC Visa Gold Card for Students. Eligible transactions include tuition fee payment to designated merchants under bill payment via HSBC HK Mobile Banking app or Personal Internet Banking. Unposted/ cancelled/ refunded transactions will not be counted as Eligible Transactions. Terms and conditions apply. Please refer to the Terms and Conditions for Visa Gold Card for Students “2.4% RewardCash Rebate for Online Tuition Fee Payment to Designated Institutions”for further details.

10. $0 commission applies to the first HKD250,000 cumulative monthly trading volume. Service is subject to terms and conditions. Please refer to this page for further details: www.hsbc.com.hk/trade25.

11. The promotional period is from 1 January 2022 to 31 December 2022 (both dates inclusive). Each eligible customer (with the same identity document and regardless of the number of eligible investment accounts he/she opens during the Promotional Period) who transferred-in or deposited any HK, US stocks or China A shares into any HSBC’s eligible investment account from a non-HSBC account outside the Bank during the promotional period is only entitled to receive the cash rebate equivalent to 0.2% of the market value of the HK, US stocks or China A shares transferred-in or deposited, for a maximum of HKD3,500, whichever is the higher. The offer is not applicable to any transfer between any HSBC investment accounts. The market value of the transferred-in/deposited stocks is determined by the market closing price at the stock settlement date multiplying the number of shares of transferred-in/deposited stocks. Terms and conditions apply. Please refer to here for further details.

12. The promotional period is from 1 January 2022 to 31 December 2022. The offer does not include 1% brokerage fee, SFC transaction levy, HKEx trading fee and other local securities service fees in relation to the bank.

13. The above statements are based on the perception rating results from the Pulse Study conducted by Kantar UK Ltd between July 2020 to December 2020 that covered a population representative sample of 949 credit card holders in Hong Kong.

14. The promotional period is from 4 March 2022 (8 am) to 28 February 2023 (both dates inclusive). HSBC Visa Platinum cardholder can enjoy up to 6X MoneyBack Points (equivalent to 2.4% rebate) when spending at PARKnSHOP, Watsons, and FORTRESS with the card every day and enjoy designated discounts on Member Day when using the card at the physical or online store of PARKnSHOP, Watsons and FORTRESS upon linking respective Card to the MoneyBack App. Terms and conditions apply. Please refer to here for further details.

15. The promotional period is from 1 January 2022 to 31 December 2022. Terms and conditions apply. Please refer to here for further details.

16. Interest-free Merchant Instalment is not applicable to HSBC Pulse UnionPay Dual Currency Diamond Credit Card and HSBC UnionPay Dual Currency Card.

17. Participating merchant offers various repayment tenors and may require minimum transaction amount for setting up merchant instalment. Unless being mentioned under "Designated online merchants", merchant instalment could only be set up at physical stores of the participating merchants. For details, please contact the merchant directly. Terms and conditions apply. Please refer to here for further details.

18. The scheme is subject to terms and conditions. Please refer to here for further details.

19. The $2,000 RewardCash offer is only applicable to HSBC life customer who is the policyholder of eligible insurance plans. Please refer to Well+ website for relevant Terms and Conditions and Frequently asked questions (FAQs). 

20. The maximum rewards of HKD2,400 is only applicable to customers who open or convert an existing account to an HSBC One account during the promotional period from 3 May 2022 to 31 July 2022 (both dates inclusive) and fulfil the requirement of the relevant Promotional Terms and Conditions during the respective promotional period. It comprises the total sum of up to HKD400 cash reward under the Mobile Account Opening Offer, HKD500 cash reward under HKD500 Investment Offer, HKD100 rewards under FlexInvest Offer, up to $1,100 RewardCash under HSBC Credit Card Welcome Offer, HSBC Visa Platinum Card Welcome Offer, HSBC One x HSBC Credit Card Top Up Offer and HKD300 rewards under Selected Life Insurance Offer for New to HSBC One account Offer. Terms and conditions apply. 

The screen display is for information and illustration purposes only.

Risk Disclosure

Unit Trusts

• In the worst case scenario, the value of the funds may be worth substantially less than the original amont you invested (and in an extreme case could be worth nothing).
• 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.
• 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.
• 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”)

• 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.
• 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 HSBC unless HSBC is the issuer itself.
  
• Indicative price of bonds/CDs are available and 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.
  
• If you wish to sell bonds/CDs, the Bank 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.
  
• There may be exchange rate risks if you choose to convert payments made on the bond/CDs to your home currency.
  
• 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.
  
• 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.

Renminbi (“RMB”) Products

• There may be exchange rate risks if you choose to convert payments made on RMB related products to your home currency.
• 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.
  
• 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.
  
• RMB debt instruments are subject to interest rate fluctuations, which may adversely affect the return and performance of the RMB products.
  
• You could lose part or all of your principal if you choose to sell your RMB products prior to maturity.

Securities Trading

• 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

• 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.
• 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

• 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.

Life Insurance

• The life insurance protection plans are underwritten by HSBC Life (International) Limited (“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. HSBC Life will be responsible for providing your insurance coverage and handling claims under your life insurance policy. The Hongkong and Shanghai Banking Corporation Limited (“the Bank”) is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent 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. For product details and related charges, please refer to the relevant brochures and policy provisions.
• 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.

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.