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Get up to $500 cash back with an HSBC Chequing Account

Plus, unlock an additional $958 in cash back and savings. Terms and conditions apply.4

A fresh, jargon-free approach to managing money, to help you prepare for a healthier future.

Applying for an account online just got easier.

For a limited time, earn a bonus of up to $1,3007 when you invest with us.

View our personal accounts, Mortgages and Loan rates.

 

Get our 5-year fixed closed term mortgage rate for 7 years at 4.79% APR. Plus, get up to $3,000 cash back on eligible mortgages.1

 

HSBC Fusion offers you more ways to save with our best Small Business welcome bonus, plus a bonus interest rate on an HSBC Business Savings Account.

 

Get up to $1,650 in value6 as part of the HSBC Newcomers Program.

 

For a limited time get up to 4.20% on GIC investments for your small business13

 

Get up to 4.30% per annum on Canadian dollar non-redeemable, non-registered GICs from August 5, 2022 to September 2, 20222. Terms apply.

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Get up to $649  in total value5a,5b,5c for the first year! Must apply by October 31, 2022. Conditions Apply.

Security Guarantee

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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.

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.

ʌ All rates are subject to change. Terms and conditions apply.

Terms and conditions apply.

** Terms and conditions apply. Offer ends November 30, 2022.

 Rates are subject to change without notice at any time. Offer may change or be withdrawn at any time without notice.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 $300 property valuation fee waived for 7-year term. 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. 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 Property Valuation Fee Waive Offer Terms and Conditions.

†† Issued by HSBC Investment Funds (Canada) Inc.; Visit hsbc.ca/wealthcompass for important disclosure information. The Digital Banker award recognises and celebrates the world's preeminent Financial Services Organisations that are pioneering unrivalled standards and capabilities in their respective fields.

All rates are subject to change. Terms and conditions apply.

1 When you purchase a new property and are taking a new personal mortgage loan or move your existing Mortgage to HSBC with a 5 year fixed or variable closed term and you make mortgage payments from your HSBC chequing or savings account. The mortgage application must be started during the Offer Period and fully funded by HSBC within 120 days of the application start date and no later than Dec 31, 2022. HSBC Mortgage Cash Back Offer Terms and Conditions.

2 All rates are subject to change. Terms apply.

3 Terms and conditions apply. All rates are subject to change without notice.

4Terms and conditions apply. Offer value is composed of multiple products, valid from May 16, 2022 to December 31, 2022.

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 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 other HSBC credit card offers. 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 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. 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 HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard account.

If you are not a resident of Quebec, you can receive the additional 40,000 points if you make eligible Net Purchases in the amount of $6,000 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 the additional 70,000 points if you keep your account open and in good standing for 180 days from your account opening. This offer applies to approved HSBC World Elite Mastercard accounts for which an application is received between April 5, 2022 and October 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, 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.

To receive the Anniversary Bonus of 20,000 points you must have applied for your HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard account between April 5, 2022 and October 31, 2022. 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 will be awarded to your account the month following your first 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 or HSBC Premier World Elite Mastercard account must be in good standing at the time Anniversary Bonus points are awarded. Only one Anniversary Bonus of 20,000 points per account and no additional points will be awarded for any subsequent Anniversary Dates.

5b This offer is only available to residents of Canada other than the province of Quebec. This offer applies to approved new HSBC World Elite Mastercard accounts for which an application is received between April 5, 2022 and October 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. 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.

5c The Travel Enhancement Credit in the amount of $100 will be automatically available when your card is first issued and will be renewed annually on the anniversary of your Account, provided your Account is in good standing.  It can be redeemed toward eligible airline baggage fee, airline seat upgrade or airport lounge pass purchases made on the Account. The Travel Enhancement Credit must be redeemed within one year of the date it was made available or renewed.  At each anniversary of your Account, any portion of the Travel Enhancement Credit for which you did not submit a redemption request will expire and will not be carried over to the following year.

®/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. Credit card offer expires October 31, 2022.

7 Issued by HSBC Investment Funds (Canada) Inc. (HIFC). The following HIFC accounts that invest only in our HSBC World Selection Portfolio Service or HSBC World Selection Diversified Funds are eligible for the Bonus Offer: RRSP account (including spousal RRSP), RRIF account, TFSA account, or sole or joint non-registered and Non-Personal account types. The maximum Bonus Amount available to you for participating in the Bonus Offer is $1,300 per qualifying account. Your eligibility for the Bonus Offer, including the payment of the Bonus Amount, is subject to the HSBC World Selection® 2022 Summer 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 August 13, 2022.

HIFC is a subsidiary of HSBC Global Asset Management (Canada) Limited, and indirect subsidiary of HSBC Bank Canada, and provides its products and services in all provinces of Canada except Prince Edward Island. HIFC is the principal distributor of the HSBC Mutual Funds and offers the HSBC Mutual Funds and/or the HSBC Pooled Funds through the HSBC World Selection® Portfolio Service. 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, their values change frequently and past performance may not be repeated.

®World Selection is a registered trademark of HSBC Group Management Services Limited.

11 Applicable to all HSBC Cash 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 Cash Rewards Mastercard 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 other HSBC credit card offers. The HSBC Cash 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 an additional 12.5% cash back on all eligible Net Purchases up to the amount of $1,000 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). The standard earn rates of 1.5% cash back on eligible online purchases, 1% cash back on eligible gas, grocery and drugstore purchases, and 0.5% cash back on other eligible purchases apply in addition to the 12.5% cash back earned under this offer. If you are a resident of Quebec, you can receive $125 cash back if you keep your new account open for 180 days from opening. This offer applies to approved HSBC Cash Rewards Mastercard accounts for which an application is received between May 3, 2022 and October 31, 2022 and is not available for other types of HSBC credit cards. 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 180 days after the account opening, will be credited in accordance with the Terms and Conditions of the HSBC Cash 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 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.

13 Terms and conditions apply. Offer ends September 2, 2022. For full details, please read the offer terms and conditions.

®/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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