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HSBC Teens

Redefine money management with our Integrated Account for teens aged 11 to 17 years old.

Start your financial journey with HSBC Teens

Get ahead with a bank account and build smart money habits from the get-go. And this account grows with you – when you turn 18, you can seamlessly unlock our full deck of banking services with HSBC One, all while keeping the same account number[@accounts-upgrade-ia].

  • Save and spend money across 12 currencies anytime, anywhere
  • Bank like a pro with no monthly charges or minimum balance requirements
  • Open your account in just 15 minutes[@accounts-offer-2024mar-time-may-differ] with your parent, straight from the HSBC HK App

Why wait? Take the first step towards your financial independence today!

Banking with us is easy – get started now!

Open an account swiftly on mobile

Set up your account with your parents in just 15 minutes – fast, simple, and secure.

Make your first deposit instantly

Deposit funds into your account right away once it's opened and start managing your finances your way.

Enjoy convenient mobile banking

Transfer payments[@accounts-set-fps], make ATM withdrawals, and keep track of your money with our smart Budget tool – all in one app.

Build your savings in 12 currencies[@accounts-12-currencies]

Manage and save across 12 currencies and explore an array of time deposit options.

More rewards and offers

Get a chance to win an iPhone 17 Pro!

From now until 31 May 2026, open an HSBC Teens account and register for FPS to enter our lucky draw for a chance to win an iPhone 17 Pro! Terms and conditions (PDF) apply.

Unlock your full savings potential together

Team up with your parent and level up your rewards:

  • Welcome Offer: Extra 2% p.a. HKD savings rate – Enjoy this rate[@accounts-teen-deposit-offer] on your first HKD15,000 monthly average deposit balance for the 3 months following the month you open an HSBC Teens account.
  • A 5× boost to your welcome offer – If your parents place a 3 or 6-month HKD new fund time deposit online in their personal account at the designated cumulative amount, the extra savings rate of the above welcome offer will be upgraded to 10% p.a. Plus, parents can also enjoy a cash rebate equivalent to an extra 0.1% p.a. on top of the prevailing 3 or 6-month HKD new fund time deposit interest rate.

Terms and conditions(PDF) apply.

Up to 50% Off FX Discount Coupon

For parents planning a family trip or their teens' overseas studies, don’t miss our exclusive FX coupon — when your teen successfully opens an HSBC Teens Account and you are a new FX customer[@fx-new-customer], you can enjoy up to 50% off spread discount.

Currency exchange involves risks. Terms and conditions(PDF) apply.

Other offers

  • Invest and earn HKD200 in gift vouchers
    Invest HKD50,000 or above (excluding fees and charges) in unit trusts, bonds, securities, structured products or HSBC paper gold scheme products to earn up to HKD200 in gift vouchers. Offer ends 31 August 2026. Investment and currency exchange involve risks. T&Cs(PDF) apply.
  • Earn HKD100 in PayMe vouchers
    If you're above 12 and have not registered for PayMe yet, sign up to receive HKD100 in vouchers. Available while stocks last! T&Cs(PDF) apply.
  • Get premium discounts for protection plans
    Enjoy up to 20% off first-year premium[@insurance-hkin-egmc2-20off]of the HSBC Eminent Goal Multi-Currency Insurance Plan II, tailored to meet your teen's evolving goals, while selected customers can also receive an additional 1.5% discount[@accounts-teen-new-to-insurance].Or apply for the HSBC Flexi VHIS Plan, which offers comprehensive worldwide medical coverage[@insurance-vhis-world-cover], with your family members and get exclusive discounts[@insurance-vhis-fam-discount]and tax deduction benefit you may be eligible for[@insurance-vhis-tax-deductions].
  • Stay in shape with our health privileges
    Enjoy up to 11% off on child health check and weight management package at Hong Kong Adventist Hospital – Stubbs Road. Learn more.

Thing you should know

Eligibility

You can apply for an HSBC Teens account if you:

  • are aged 11 to 17
  • hold a valid Hong Kong Permanent Identity Card (HKID) 
  • have a Hong Kong birth certificate
  • are residing in and physically present in Hong Kong when you submit the application
  • have a parent who is an existing HSBC customer with access to the HSBC HK App

Account upgrade at age 18

When you turn 18 years old, follow these steps to upgrade your account base on your needs:

  1. Complete and sign the 'Integrated Account Conversion Form (PDF)'
  2. Mail it to The Hongkong and Shanghai Banking Corporation Limited, P O Box 72677, Kowloon Central Post Office, Kowloon, Hong Kong or drop it off at your nearest branch

Open an account now

Via the HSBC HK App

To open an account, a parent needs to be with you. Each of you will also need a separate phone, with the HSBC HK App installed. Once you're ready, follow the guidance below to open an account in 15 minutes.

Scan the QR code to open the app.

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

Things to note

Open your account in 7 steps 

Tips for taking photos for identity verification 

Notes

The screen displays and the images of the website are for reference and illustration purposes only.

Apple, the Apple logo, iPhone, iPad, iPod touch, Touch ID and Face ID are trademarks of Apple Inc., registered in the US and other countries. App Store is a service mark of Apple Inc.

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    Risk disclosure 

    • The information provided is intended as a general guide for reference only. Full details of the account features and services are subject to the relevant terms and conditions.
    • For general fees and charges, please refer to "Bank tariff guide for HSBC Retail Banking and Wealth Management Customers".
    • The information shown in this website is neither a recommendation, an offer, nor a solicitation for any investment product or service. Investment involves risk. You should carefully consider whether any investment product or service mentioned herein is appropriate for you in view of your personal circumstances. Past performance is no guide to future performance. Investors should refer to the individual product explanatory memorandum or offering document for further details and risks involved. The price of investment products may move up or down. Losses may be incurred as well as profits made as a result of buying and selling investment products.

    Disclaimers 

    HSBC Eminent Goal Multi-Currency Insurance Plan II is a long-term participating life insurance plan with a savings element and non-guaranteed returns underwritten by HSBC Life (International) Limited ("HSBC Life") which is authorised and regulated by the Insurance Authority ("IA") to carry on long-term insurance business in the Hong Kong SAR. It is not a bank deposit or bank savings plan. Please refer to the product brochure for detailed features and the policy provisions for the detailed terms and conditions.

    The HSBC VHIS Flexi Plan is a life insurance plan underwritten by HSBC Life (International) Limited ("HSBC Life") which is authorised and regulated by the Insurance Authority ("IA") to carry on long-term insurance business in the Hong Kong SAR. It is not a bank deposit or bank savings plan. Please refer to the product brochure for detailed features and the policy provisions for the detailed terms and conditions.

    HSBC Life is incorporated in Bermuda with limited liability, and is one of the HSBC Group's insurance underwriting subsidiaries. The Hongkong and Shanghai Banking Corporation Limited ('HSBC') is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an agency of HSBC Life for the distribution of life insurance products in the Hong Kong Special Administrative Region. This product is a product of HSBC Life but not HSBC and it is intended only for sale in the Hong Kong SAR. 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.

    SVF License Number: SVFB002