Save in up to 10 currencies and earn more interest than in a savings account. You can open an account with as little as the equivalent of USD2,000.
Enjoy a bonus deposit rate of +1% p.a. on top of prevailing preferential rates when you exchange currencies and place them in a 1-week time deposit using the HSBC HK App. T&Cs apply. Currency conversion involves risk.
Terms and Conditions apply. The above interest rates are indicative as of 5 Jan 2026 and are for reference only. They are not guaranteed and maybe subject to revision, as per prevailing market conditions. Currency conversion involves risk.
To find out the latest HSBC deposits rate on HKD, USD, RMB and other currencies for HSBC saving accounts and time deposit, please click here.
Log on to HSBC HK App or HSBC Online Banking to make a placement.
Scan the QR code to open the app
Open or upgrade to an HSBC Premier or HSBC One account in the HSBC HK App. You can then place a time deposit on the next business day after you've successfully opened an account. You can do it via HSBC Online Banking or the HSBC HK App. Eligibility criteria apply.
If you have any further questions or need more support, please contact us.
Transfer funds to any account in Hong Kong and around the world easily, securely and quickly.
Manage your savings across different currencies flexibly and earn interest on your account balance.
Lock your money away and earn interest at an attractive rate.
Convenient renminbi services make it easy to maintain ties to mainland China while earning higher interest for depositing your savings for a fixed.
Risk Disclosure
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.
Renminbi is currently not freely convertible and subject to regulatory restrictions (which might be changed from time to time). For personal customers who are Hong Kong residents, conversions conducted through renminbi deposit accounts with banks in Hong Kong are subject to the limit of up to RMB20,000 per person per day. Personal customers who are Hong Kong residents should allow time for conversion of renminbi from/to another currency of an amount exceeding the daily limit. Non-Hong Kong residents are not required to observe the corresponding limits and requirements regarding renminbi conversions for Hong Kong residents.
