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This year, your HSBC RRSP Loan could cost you $0²
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Welcome to Canada
Our Newcomers Program helps you on your Canadian journey with access to special offers valued up to $1,000.
We work with you to protect your account information. Under our Security Guarantee, we will fully reimburse you for unauthorized transactions conducted in your personal accounts through HSBC Online Banking or HSBC Canada Mobile Banking if you have met your security responsibilities.
For the most secure customer experience, always log on with your HSBC Security Device when banking online with HSBC.
® Mastercard and Cirrus are registered trademarks of Mastercard International Incorporated. Used pursuant to license.
®/TM World Elite and Mastercard are registered trademarks, and the circles design and tap & go are trademarks of Mastercard International Incorporated. Used pursuant to license.
** Terms and conditions apply.
‡ Promotion will apply a discount to the FX conversion charges when converting any of the currencies (Hong Kong Dollar or Renminbi) to or from either CAD or USD. Does not apply to the purchase or sale of physical banknotes in Branch. Does not apply to negotiated rates. Personal Banking rates only. Existing currency restrictions may apply. Offer valid through February 28, 2021.
1 Rates are subject to change without notice. The annual percentage rate (APR) is based on a $200,000 mortgage for the applicable term with the appraisal fee of $300 waived. APR includes all interest and some non-interest charges associated with the mortgage. If there are no non-interest charges, the annual interest rate and APR will be the same. The variable rate is equal to HSBC Prime Rate -1.46%. The rate will change as HSBC's Prime Rate changes. Mortgage Rates above are applicable to First Mortgages only. A High Ratio Mortgage is a personal mortgage with a down payment of less than 20% of the purchase price. Applications are subject to credit approval. Rate displayed includes a 0.35% discount off our Special Offer rate and is only available for high ratio residential mortgages. A higher interest rate may apply for non-owner-occupied properties, amortizations greater than 25 years, and exceptions to HSBC's standard lending guidelines. HSBC High Ratio Mortgage Rate Offer Terms and Conditions.
2 When you obtain a Registered Retirement Savings Plan (“RRSP”) loan with HSBC Bank Canada (“HSBC”) of CA$5,000 or more, you may receive an interest adjustment (the "Interest Rebate"). The Interest Rebate will be equal to the interest you will pay between the advance date of the RRSP loan and the date the loan is paid off in full or April 30, 2021 inclusive; whichever date arrives first ( (the "Eligibility Period"). Please read these Terms and Conditions which govern the HSBC RRSP Loan Interest Rebate Offer. The HSBC RRSP Loan Interest Rebate Offer runs from January 2, 2021 to March 1, 2021 inclusive (the "Offer Period").
Application must be received no later than the campaign end period. The HSBC RRSP loan is subject to standard HSBC credit review and approval.
3 Issued by HSBC Investment Funds (Canada) Inc. (“HIFC”). Total maximum combined bonuses available of $1,100 if you meet all eligibility requirements for both Bonus Offers. Additional account options (spousal RRSP, RRIF and non-personal accounts) and investment products (HSBC World Selection® Portfolio service and HSBC Mutual Funds) are available in Branch only through these Offers. Please visit your branch or call Telefund at 1-800-830-8888 for details. Your eligibility for the Bonus Offers, including the payment of the Bonus Amounts, is subject to the 2021 Winter Bonus Offers Terms and Conditions. Please read the Terms and Conditions for complete details. All amounts indicated are in Canadian dollars. Offers expire May 10, 2021.
5a The Welcome Bonus for HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard are available to successful applicants who have not, in the 12 months prior to submitting the application, held an HSBC World Elite Mastercard, HSBC Premier World Elite Mastercard or HSBC Jade World Elite Mastercard. Only one new or upgraded account per customer is eligible for these offers. The account opening is subject to our standard credit review and approval, meeting our standard account opening requirements, meeting the following income/asset eligibility requirement: (1) a minimum of $80,000 in annual personal income (before taxes) or $150,000 in annual household income (before taxes) or (2) a minimum of $400,000 in assets under management (based on liquid, investable assets with financial institutions in Canada) and additional conditions listed for the specific offers below.
The Welcome Bonus is 20,000 Points for the HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard. The Welcome Bonus will be awarded only if your application for a new or upgraded HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard is approved. The Welcome Bonus is earned when you make the first purchase on your account following account opening or upgrade. The Welcome Bonus will be credited in accordance with the Terms and Conditions of the HSBC World Elite Rewards Program or the HSBC Premier World Elite Rewards Program, as applicable. Limit of one Welcome Bonus per new or upgraded HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard account. The Welcome Bonus offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer, except the offers described here and offers that state that they can be combined with an HSBC credit card welcome bonus offer. The HSBC World Elite or HSBC Premier World Elite Rewards Program Terms and Conditions apply.