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Score up to $1,125‡‡ in bonuses when you invest with us

Skate your way to new investment goals. Offer ends May 9, 2022. Terms and conditions apply.

Receive a $50 cash bonus** when you open an HSBC Advance Chequing account online.

Get to your savings goals with the right savings account.

Coverage for Newcomers to Canada not yet covered under the Government Health Insurance Plan

View our personal accounts, Mortgages and Loan rates.

 

Get a head start on securing your financial future.

Terms apply. APR is 2.45% for all terms between 1-5 years.

 

on Canadian Dollar Registered Term Deposits (RRSP, RRIF and TFSA)*.This great offer is available from January 10, 2022 to March 31, 2022.

 

Celebrate Lunar New Year with 1.68% per annum on a 15-month non-redeemable GIC on new deposits from January 20, 2022 to February 28, 2022.8

 

Our Newcomers Program helps you on your Canadian journey with access to special offers6 valued up to $1,500.

 

Earn a bonus interest rate on New Deposits to your HSBC Small Business Savings Account.

 

0.99% APR 5 year variable closed term high ratio mortgage1

 

or 1.32% APR* 5 year variable closed term mortgage switch or purchase rate2

a welcome HSBC sign
 

Earn up to 100,000 Points5a,5b,5d,5e PLUS a full annual fee rebate for the Primary Cardholder for the first year5c. Must apply by January 31, 2022. Conditions Apply.

Security Guarantee

online security guarantee sign

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.

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, 2022.

TM HSBC +Rewards is a trademark of HSBC Group Management Services Limited. Used pursuant to license.

® Mastercard and Cirrus are registered trademarks of Mastercard International Incorporated. Used pursuant to license.

® Trade-mark of Interac Inc. Used under 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. 

** Terms and conditions apply. Offer ends on April 30, 2022. Applies for new HSBC customers only.

 Rates are subject to change without notice and are applicable to First Mortgages only. Offer may change or be withdrawn at any time 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.

‡‡ Issued by HSBC Investment Funds (Canada) Inc. (“HIFC”). The maximum Bonus Amount available to you for participating in the Bonus Offer is $1,125 per Qualifying Account. Bonus amounts may differ for transfers/investments into HSBC Wealth Compass Funds (maximum $585 per Qualifying Account). RRIF accounts are not available through HSBC Wealth Compass. The Goal Planning Bonus is available to HSBC Premier2 clients only and is redeemable exclusively in-branch through an HSBC Premier Relationship Manager3. Your eligibility for this Bonus Offer, including the payment of the Bonus Amount, is subject to the 2022 Winter Investment Bonus Offer Terms and Conditions. Please read the Terms and Conditions carefully and visit your branch or call Telefund at 1-800-830-8888 for complete details. All amounts indicated are in Canadian dollars. Offer expires May 9, 2022. 

1 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. The variable rate is equal to HSBC Prime Rate -1.46%. The rate will change as HSBC's Prime Rate changes.  Rate 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 Terms and Conditions

2 When you transfer a personal mortgage loan to HSBC or when you purchase a property and obtain a personal mortgage loan with HSBC. Applications are subject to credit approval. The variable rate is equal to HSBC Prime Rate - 1.13%. The rate will change as HSBC’s Prime Rate changes. Rate is only available for 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 Mortgage Switch Rate Terms and Conditions ,HSBC Mortgage Purchase Rate Terms and Conditions

3 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, 2022 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 4, 2022 to March 1, 2022 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.

4a Applicable to all HSBC +Rewards Mastercard offers.  These offers are available to successful applicants who have not, in the 12 months prior to submitting the application, held an HSBC +Rewards Mastercard credit card account.  Only one new account per customer is eligible for these offers. All bonuses referred to in this document 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 +Rewards Mastercard Rewards Program Terms and Conditions apply. Account opening is subject to our standard credit review and approval and additional conditions listed for the specific offers below.

If you are not a resident of Quebec, you can receive 30,000 Points if you make eligible Net Purchases in the amount of $2,000 or more within 180 days of opening your account. “Net Purchases” means the total amount of your eligible purchases minus the total amount of returns you make (or similar credits applied to your account). If you are a resident of Quebec, you can receive 35,000 Points if you keep your new account open for 180 days from opening. This offer applies to approved HSBC +Rewards Mastercard accounts for which an application is received between October 4, 2021 and January 31, 2022 and is not available for other types of HSBC credit cards. The Points under this offer are in addition to the Points earned on the eligible purchases at the earn rate listed in the HSBC Plus Rewards Program Terms and Conditions. The additional Points will be awarded on the day which is 180 days after the account opening, will be credited in accordance with the Terms and Conditions of the HSBC Plus Rewards Program and will appear in your HSBC Rewards Account within two statement periods of the day they are awarded. Your account must be open and in good standing on the day the additional Points are credited.

4b This offer is only available to residents of Canada other than the province of Quebec. This offer applies to approved new HSBC +Rewards Mastercard accounts for which an application is received between October 4, 2021 and January 31, 2022. We will issue a one-time rebate equal to the annual fee charged to your HSBC +Rewards Mastercard account for the Primary Cardholder in the first year. No credit will be issued for any supplementary card fees on your account. This rebate will appear as a credit against the annual fee within two statement periods of account opening. Your HSBC +Rewards Mastercard account must be open and in good standing at the time the rebate is applied. For clarity, the rebate will only apply for the first year in which you have the HSBC +Rewards Mastercard.

®/TM Mastercard and Cirrus are registered trademarks of Mastercard International Incorporated. Used pursuant to license.

TM HSBC +Rewards is a trademark of HSBC Group Management Services Limited. Used pursuant to license.

5a Applicable to all HSBC World Elite Mastercard & HSBC Premier World Elite Mastercard offers.  These offers 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 credit card account.  Only one new or upgraded account per customer is eligible for these offers. All bonuses referred to in this document 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. 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.

5b If you are not a resident of Quebec, you can receive the additional 50,000 Points if you make eligible Net Purchases in the amount of $6,000 or more within 180 days of opening or upgrading your account.  “Net Purchases” means the total amount of your eligible purchases minus the total amount of returns you make (or similar credits applied to your account). If you are a resident of Quebec, you can receive the additional 80,000 Points if you keep your account open and in good standing for 180 days from your account opening or upgrade. This offer applies to approved HSBC World Elite Mastercard accounts for which an application is received between October 4, 2021 and January 31, 2022 and is not available for other types of HSBC credit cards. The additional Points are in addition to the Points earned on the eligible purchases at the earn rate listed in the HSBC World Elite Rewards Program Terms and Conditions. The additional Points will be awarded approximately 180 days after account opening or upgrade, will be credited in accordance with the Terms and Conditions of the HSBC World Elite Rewards Program and will appear in your HSBC Rewards Account within two statement periods of the day they are awarded. Your account must be open and in good standing on the day the additional Points are credited.

5c This offer is only available to residents of Canada other than the province of Quebec. This offer applies to approved new and upgraded HSBC World Elite Mastercard accounts for which an application is received between October 4, 2021 and January 31, 2022. We will issue a one-time rebate equal to the annual fee charged to your HSBC World Elite Mastercard account for the Primary Cardholder in the first year. No credit will be issued for any supplementary card fees on your account. This rebate will appear as a credit against the annual fee within two statement periods of account opening or upgrade. Your HSBC World Elite Mastercard account must be open and in good standing at the time the rebate is applied. This offer is not transferable and cannot be combined with any other offer, except the offers described here and offers that state that they can be combined with other HSBC credit card offers. For clarity, the rebate will only apply for the first year in which you have the applicable HSBC World Elite Mastercard.

5d To receive the one-time additional 10,000 Points for adding your 1st Authorized User Card, you must have applied for your HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard account between October 4, 2021 and January 31, 2022 and you must add your first Additional Cardholder to your HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard account by March 28, 2022. The additional Points will be awarded approximately 60 days after March 28, 2022 and will be credited in accordance with the Terms and Conditions of the HSBC World Elite Rewards Program or HSBC Premier World Elite Rewards Program and will appear in your HSBC Rewards Account within two statement periods of the day they are awarded. No additional Points will be awarded for any subsequent Authorized User cards added to the Account. Only one 10,000 1st Authorized User Bonus per account. The Primary Cardholder is responsible for all charges to the account, including those made by any Authorized User. Your account must be open and in good standing on the day the additional Points are credited.

5e To receive the one-time 20,000 Anniversary Bonus Points you must have applied for your HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard account between October 4, 2021 and January 31, 2022. Only one 20,000 Anniversary Point Bonus per account. You must keep your Account open, active and in good standing for twelve consecutive months from the account opening date ("Anniversary Date"). The Anniversary Bonus Points will be awarded to your account the month following your 1st Anniversary Date and will appear in your HSBC Rewards Account within two statement periods of the day they are awarded. Your HSBC World Elite Mastercard account must be in good standing at the time Anniversary Bonus Points are awarded. No additional Points will be awarded for any subsequent Anniversary Dates. Only one 20,000 Anniversary Bonus Point offer per account.

®/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.

6 Terms and Conditions apply. Offer value is composed of multiple products. Valid until December 31, 2021 for new HSBC customers only.

7 Terms and conditions apply. Offer ends April 29, 2022.

8 Terms and conditions apply. Offer ends February 28, 2022.

10a Applicable to all HSBC World Elite Mastercard & HSBC Premier World Elite Mastercard offers.  These offers 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 credit card account.  Only one new or upgraded account per customer is eligible for these offers. All bonuses referred to in this document 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. 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.

10b If you are not a resident of Quebec, you can receive the additional 50,000 Points if you make eligible Net Purchases in the amount of $6,000 or more within 180 days of opening or upgrading your account. “Net Purchases” means the total amount of your eligible purchases minus the total amount of returns you make (or similar credits applied to your account). If you are a resident of Quebec, you can receive the additional 70,000 Points if you keep your account open and in good standing for 180 days from your account opening or upgrade. This offer applies to approved HSBC Premier World Elite Mastercard accounts for which an application is received between October 4, 2021 and January 31, 2022and is not available for other types of HSBC credit cards. The additional Points are in addition to the Points earned on the eligible purchases at the earn rate listed in the HSBC Premier World Elite Rewards Program Terms and Conditions. The additional Points will be awarded approximately 180 days after account opening or upgrade, will be credited in accordance with the Terms and Conditions of the HSBC Premier World Elite Rewards Program and will appear in your HSBC Rewards Account within two statement periods of the day they are awarded. Your account must be open and in good standing on the day the additional Points are credited. 

10c This offer is only available to residents of Canada other than the province of Quebec. This offer applies to approved new and upgraded HSBC Premier World Elite Mastercard accounts for which an application is received between October 4, 2021 and January 31, 2022. We will issue a one-time rebate equal to the annual fee charged to your HSBC Premier World Elite Mastercard account for the Primary Cardholder in the first year less any other rebate of the annual fee you receive. This rebate will appear as a credit against the annual fee within two statement periods of account opening or upgrade. Your HSBC Premier World Elite Mastercard account must be open and in good standing at the time the rebate is applied.  For clarity, the rebate will only apply for the first year in which you have the applicable HSBC Premier World Elite Mastercard.

10d To receive the one-time additional 10,000 Points for adding your 1st Authorized User Card, you must have applied for your HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard account between October 4, 2021 and January 31, 2022 and you must add your first Additional Cardholder to your HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard account by March 28, 2022. The additional Points will be awarded approximately 60 days after March 28, 2022 and will be credited in accordance with the Terms and Conditions of the HSBC World Elite Rewards Program or HSBC Premier World Elite Rewards Program and will appear in your HSBC Rewards Account within two statement periods of the day they are awarded. No additional Points will be awarded for any subsequent Authorized User cards added to the Account. Only one 10,000 1st Authorized User Bonus per account. The Primary Cardholder is responsible for all charges to the account, including those made by any Authorized User. Your account must be open and in good standing on the day the additional Points are credited. 

10e To receive the one-time 20,000 Anniversary Bonus Points you must have applied for your HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard account between October 4, 2021 and January 31, 2022. Only one 20,000 Anniversary Point Bonus per account. You must keep your Account open, active and in good standing for twelve consecutive months from the account opening date ("Anniversary Date"). The Anniversary Bonus Points will be awarded to your account the month following your 1st Anniversary Date and will appear in your HSBC Rewards Account within two statement periods of the day they are awarded. Your HSBC World Elite Mastercard account must be in good standing at the time Anniversary Bonus Points are awarded. No additional Points will be awarded for any subsequent Anniversary Dates. Only one 20,000 Anniversary Bonus Point offer per account.

®/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.

11 This offer is available to approved applicants who have not, in the 12 months prior to submitting the application, held an HSBC Cash Rewards Mastercard (“Cash Rewards Mastercard Account”).  Only one new Cash Rewards Mastercard Account per customer is eligible for these offers. All bonuses referred to in this document may be changed, withdrawn or extended at any time and cannot be combined with any other offer, except the offers described here, if applicable, and offers that state that they can be combined with an HSBC credit card welcome bonus offer. This offer is subject to the HSBC Cash Rewards Program Terms and Conditions. Cash Rewards Mastercard Account opening is subject to HSBC Bank Canada’s standard credit review and approval and additional conditions listed for the specific offers below.

If you are not a resident of Quebec, you can receive an additional 5% cash back on all eligible Net Purchases up to the amount of $2,000 within 180 days of opening your Cash Rewards Mastercard Account. “Net Purchases” means the total amount of your eligible purchases minus the total amount of returns you make (or similar credits applied to your Cash Rewards Mastercard Account). If you are a resident of Quebec, you can receive $100 cash back if you keep your new Cash Rewards Mastercard Account open for 180 days from opening. This offer applies to approved Cash Rewards Mastercard Accounts for which an application is received between December 8, 2021 and May 2, 2022. The offers described here are not available for other types of HSBC credit card accounts. The cash back under this offer are in addition to the cash back earned on the eligible purchases at the earn rate listed in the HSBC Cash Rewards Program Terms and Conditions. The additional cash back will be awarded on the day which is approximately 180 days after the account opening, and will be credited in accordance with the HSBC Cash Rewards Program Terms and Conditions. The cash back will appear in your HSBC Rewards Account within two statement periods of the day they are awarded. Your account must be open and in good standing on the day the additional cash back is credited.

12 This offer is available to approved applicants who have not, in the 12 months prior to submitting the application, held an HSBC Travel Rewards Mastercard (“Travel Rewards Mastercard Account”).  Only one new Travel Rewards Mastercard Account per customer is eligible for this offer. All bonuses referred to in this document may be changed, withdrawn or extended at any time and cannot be combined with any other offer, except the offers described here, if applicable, and offers that state that they can be combined with an HSBC credit card welcome bonus offer. This offer is subject to the HSBC Travel Rewards Program Terms and Conditions. Travel Rewards Mastercard Account opening is subject to HSBC Bank Canada’s standard credit review and approval and additional conditions listed for the specific offer below.

If you are not a resident of Quebec, you can receive 20,000 points if you make eligible Net Purchases in the amount of $2,000 or more within 180 days of opening your Travel Rewards Mastercard Account. “Net Purchases” means the total amount of your eligible purchases minus the total amount of returns you make (or similar credits applied to your Travel Rewards Mastercard Account). If you are a resident of Quebec, you can receive 20,000 points if you keep your new Travel Rewards Mastercard Account open for 180 days from opening. This offer applies to approved Travel Rewards Mastercard Accounts for which an application is received between December 8, 2021 and May 2, 2022. The offers described here are not available for other types of HSBC credit card accounts. The points under this offer are in addition to the points earned on the eligible purchases at the earn rate listed in the HSBC Travel Rewards Program Terms and Conditions. The additional points will be awarded on the day which is approximately 180 days after the account opening, and will be credited in accordance with the HSBC Travel Rewards Program Terms and Conditions. The points will appear in your HSBC Rewards Account within two statement periods of the day they are awarded. Your account must be open and in good standing on the day the additional points are credited.

®/TM Mastercard is a registered trademark, and the circles design and tap & go are trademarks of Mastercard International Incorporated. Used pursuant to license.

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