Special Offer: GIC Rates | Limited Time | HSBC Canada

Security today for your tomorrow.

When planning for the future, consider having a guaranteed rate of return GIC as a key part of your investments. Whether you’re planning your retirement or saving for a special purchase, a GIC will provide a guaranteed amount.

Receive a special rate on 180-day and 1 year non-redeemable (non-registered) GICs, fixed rate and redeemable Term Deposits for RRSP, RRIF and TFSA.

For 180-day and 1 year non-redeemable (non-registered) GICs, receive these special rates:

Product Term Deposit Amount (CAD) Rate*
GICs 180 days Less than $100,000 1.80%
180 days $100,000 or more 2.00%
1 year Less than $100,000 2.00%
1 year $100,000 or more 2.25%

*All rates are per annum and subject to change without notice.

Offer Period: December 4, 2017 to April 30, 2018

Offer Details:

  • The deposit must be made and the confirmation for the 180-Day or 1 Year Non-redeemable GIC (simple interest option) must be issued during the period from December 4, 2017 to and including April 30, 2018.
  • The 180-Day and 1 Year Non-redeemable GICs must be in Canadian currency. The amount deposited in a 180-Day or 1 Year Non-redeemable GIC must be $1,000 CAD or higher.
  • The 180-Day and 1 Year Non-redeemable GIC cannot be held in any registered plan such as RRSP, RRIF or TFSA.
  • Interest is calculated daily, not compounded and is paid at maturity.
  • There is no limit on the number of GICs obtained under this offer per customer.
  • Redemption or withdrawal of all or portion of the 180-Day or 1 Year Non-redeemable GIC prior to the end of the 180-day or 1 year term is not allowed. If we permit you to withdraw prior to the end of the term, we will not pay you any interest on the withdrawn amount.

For full details, read the Terms and Conditions here.

For RRSP Fixed Rate, RRIF Fixed Rate, and TFSA Redeemable Term Deposit, receive these special rates:

Product Term Deposit Amount (CAD) Rate*
RRSP Fixed Rate, RRIF Fixed Rate and TFSA Redeemable Term Deposit 180 days Less than $100,000 1.80%
180 days $100,000 or more 2.00%
1 year Less than $100,000 2.00%
1 year $100,000 or more 2.25%

*All rates are per annum and subject to change without notice.

Offer Period: December 4, 2017 to April 30, 2018

Offer Details:

  • The RRSP Fixed Rate Deposit, RRIF Fixed Rate Deposit or TFSA Redeemable Term Deposit must be made and confirmation must be issued during the period from December 4, 2017 to and including April 30, 2018.
  • The RRSP Fixed Rate Deposit, RRIF Fixed Rate Deposit or TFSA Redeemable Term Deposit must be in Canadian currency.
  • The amount deposited must be:

    Product Minimum deposit
    RRSP Fixed Rate Deposit and RRIF Fixed Rate Deposit $500 CAD or higher
    TFSA Redeemable Term Deposit $1,000 CAD or higher
  • Interest is calculated daily and is paid as follows:

    Product Term Interest Payment
    RRSP Fixed Rate Deposit and RRIF Fixed Rate Deposit 180 days Not compounded At maturity
    1 year Compounded annually At maturity
    TFSA Redeemable Term Deposit 180 days Not compounded At maturity
    1 year
  • The deposit must be made by an individual holder of the RRSP, RRIF or TFSA plan/account, as applicable and must be held in that plan/account. Customers are solely responsible for determining whether any contribution to their RRSP, RRIF or TFSA plan/account is within their contribution limits as imposed by applicable law.
  • For 180-Day and 1 Year RRSP Fixed Rate Deposits and 180-Day and 1 Year TFSA Redeemable Term Deposits redemption or withdrawal of all or a portion of the deposit prior to the end of the 180-day and 1 year term is allowed. If you withdraw prior to the end of the term, we will not pay you any interest on the withdrawn amount.
  • For 180-Day and 1 Year RRIF Fixed Rate Deposits, the deposit is redeemable. If redeemed prior to maturity, we will pay you interest at the 180-day and 1 year special rate up to the date of redemption. However, we will not pay you any interest on any amount withdrawn or redeemed prior to maturity for the purpose of transferring funds to another financial institution.

For full details, read the Terms and Conditions here.

Learn more about GICs and TFSAs

Receive a special rate on 180-Day and 1 Year eGICs and TFSA eTerm Deposit.

For 180-Day and 1 Year eGICs, receive these special rates:

Product Term Deposit Amount (CAD) Rate*
Non-Redeemable simple interest eGIC (non-registered) 180 days $5,000.00 - $99,999.99 1.80%
1 year 2.00%

*All rates are per annum and subject to change without notice.

Deposit must be made through HSBC Online banking.

Offer Period: December 4, 2017 to April 30, 2018

Offer Details:

  • The deposit must be made and the confirmation for the 180-Day or 1 Year Non-redeemable eGIC (simple interest option) must be issued during the period from December 4, 2017 to and including April 30, 2018.
  • The 180-Day and 1 Year Non-redeemable eGIC must be in Canadian currency.
  • The amount deposited in a 180-Day or 1-Year Non-redeemable eGIC must be between $5,000.00 CAD and $99,999.99 CAD. Please note that the aggregate daily Online banking transfer limit of $250,000.00 in Canadian dollars or foreign currency equivalent applies to the accounts held under the same customer account number (the first 9 digits of a Chequing or Savings account number).
  • The deposit must be made by an individual, either alone or jointly with other individuals.
  • The 180-Day and 1 Year Non-redeemable eGIC cannot be held in any registered plan such as RRSP, RRIF or TFSA.
  • Interest is calculated daily, is not compounded and is paid on maturity.
  • There is no limit on the number of eGICs obtained under this offer per customer.
  • Redemption or withdrawal of all or a portion of the 180-Day or 1 Year Non-redeemable eGIC prior to the end of the 180-day or 1 year terms is not allowed. If we permit you to withdraw prior to the end of the term, we will not pay you any interest on the withdrawn amount.

For full details, read the Terms and Conditions here.

If you are an existing online banking customer? Start now
If you are not an existing online banking customer? Register today

For TFSA eTerm Deposits, receive these special rates:

Product Term Deposit Amount (CAD) Rate*
Redeemable TFSA eTerm Deposit accounts 180 days $5,000.00 - $99,999.99 1.80%
1 year 2.00%

*All rates are per annum and subject to change without notice.

Deposit must be made through HSBC Online banking.

Offer Period: December 4, 2017 to April 30, 2018

Offer Details:

  • The deposit must be made and the confirmation for the 180-Day or 1 Year TFSA eTerm deposit must be issued during the period from December 4, 2017 to and including April 30, 2018.
  • The 180-Day and 1 Year TFSA eTerm deposit must be in Canadian currency.
  • The amount deposited in a 180-Day or 1 Year TFSA eTerm deposit must be between $5,000.00 CAD and $99,999.99 CAD. Please note that the aggregate daily Online banking transfer limit of $250,000.00 in Canadian dollars or foreign currency equivalent applies to the accounts held under the same customer account number (the first 9 digits of a Chequing or Savings account number).
  • The deposit must be made by an individual holder of the TFSA plan/account and be held in that plan/account.
  • Interest is calculated daily, is not compounded and is paid on maturity.
  • Customers are solely responsible for determining whether any contribution to their TFSA plan/account is within their contribution limits as imposed by applicable law.
  • There is no limit on the number of eTerm deposits obtained under this offer per customer.
  • Redemption or withdrawal of all or a portion of the 180-Day or 1 Year TFSA eTerm deposit prior to the end of the 180-day or 1 year terms is allowed. We will not pay you any interest on the withdrawn amount.

For full details, read the Terms and Conditions here.

Learn more about GICs and TFSAs.

If you are an existing online banking customer? Start now
If you are not an existing online banking customer? Register today

Receive a transfer-in bonus for RRSPs and TFSAs.

Receive a 1% transfer-in bonus based on the value of the transfer up to $150 CAD for RRSPs transferred from another financial institution to HSBC Bank Canada.

Plus receive a 1% transfer-in bonus based on the value of the transfer of up to $150 CAD for TFSA funds transferred from another financial institution to HSBC Bank Canada.

Offer Period: December 4, 2017 to April 30, 2018

Offer Details:

  • This offer is available in-branch only. Make an in-branch appointment
  • One bonus per customer per type of plan transferred.
  • Transfers into an HSBC Bank Canada fixed or variable rate RRSP or TFSA are eligible.
  • Transfers into an HSBC Mutual Fund1 RRSP or TFSA account and HSBC World Selection® Portfolio2 RRSP account held with HSBC Investment Funds (Canada) Inc.3 are excluded from this offer. The transfer must be initiated during the offer period.
  • Transfers into an HSBC InvestDirect4 RRSP or TFSA account are excluded from this offer.
  • Funds do not have to be kept in the account for any specified duration.
  • When the funds are deposited into a savings account held in an HSBC Bank Canada RRSP plan or into a HSBC Bank TFSA plan/account, we will automatically deposit the Bonus Amount into that account.

For full details, read the Terms and Conditions here: RRSP / TFSA.

Learn more about RRSPs and TFSAs.

Take advantage of this limited time offer.

Call 1-888-310-4722Call 1-888-310-4722

The offers presented above here may change, be withdrawn or extended at any time without notice.

1 HSBC Global Asset Management (Canada) Limited (“AMCA”) is the manager and primary investment advisor for the HSBC Mutual Funds. HSBC Investment Funds (Canada) Inc. (“HIFC”) is the principal distributor of the HSBC Mutual Funds. HSBC Mutual Funds are also distributed through authorized dealers. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus, Fund Facts, and other disclosure documents before investing. Mutual funds are not guaranteed or covered by the Canada Deposit Insurance Corporation, HSBC Bank Canada, or any other deposit insurer or financial institution. The net asset values of all mutual funds, including the HSBC Mutual Funds, may change frequently and any past performance may not be repeated. For money market funds, there can be no assurances that such funds will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you.

2 HSBC World Selection® Portfolio is a portfolio investment service offered by HIFC. In this service, a client’s assets are invested in model portfolios. Each model portfolio is comprised of investments in HSBC Pooled Funds, which are mutual funds managed by AMCA and distributed by HIFC. AMCA provides discretionary investment management services to the portfolios in the HSBC World Selection Portfolio service. Commissions, trailing commissions, management fees, investment management fees and expenses all may be associated with investments in the HSBC Pooled Funds and/or the HSBC World Selection Portfolio service. Please read the applicable account opening documentation associated with HSBC World Selection Portfolio, the prospectus, Fund Facts, and other disclosure documents of the HSBC Pooled Funds in which investment may be made under HSBC World Selection Portfolio service before applying for the HSBC World Selection Portfolio service. The HSBC World Selection Portfolio service and the HSBC Pooled Funds are not guaranteed or covered by the Canada Deposit Insurance Corporation, HSBC Bank Canada, or any other deposit insurer or financial institution. For money market funds, there can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. The net asset values of all mutual funds, including the HSBC Pooled Funds, may change frequently and any past performance may not be repeated.

3 HIFC is a direct subsidiary of AMCA and an indirect subsidiary of HSBC Bank Canada, and provides its services in all provinces of Canada except Prince Edward Island. AMCA is a wholly owned subsidiary of, but separate entity from, HSBC Bank Canada and provides its services in all provinces of Canada except Prince Edward Island.

4 HSBC InvestDirect is a division of HSBC Securities (Canada) Inc., a wholly owned subsidiary of, but separate entity from, HSBC Bank Canada. HSBC Securities (Canada) Inc. is a Member of the Canadian Investor Protection Fund. HSBC InvestDirect does not provide investment advice or recommendations regarding any investment decisions or securities transactions.

® World Selection is a registered trade-mark of HSBC Bank Canada.

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