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Get a 2.20% per annum bonus interest rate3

on new deposits with an HSBC Canadian Dollar High Rate Savings Account from April 4, 2022 to June 24, 20223.

A smart collection of banking services designed to fit your life.

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 our 5-year fixed closed term mortgage rate for 7 years at 4.34% 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 it with our 1-year Canadian dollar redeemable, non-registered GIC at 1.85% per annum from April 21, 2022 to May 31, 2022ʌ. Terms apply.

 

Before heading to a branch, take a look at whether you can do what you need online.

 

Do more for your business with an introductory variable rate as low as 2.49%13a on a Term Loan for the first year13b.

 

with our up to 1.75% per annum U.S. Dollar Term Deposit offers. These great rates are available April 21, 2022 to May 31, 20222. Terms apply.

a welcome HSBC sign
 

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 Offer may change or be withdrawn at any time without notice.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.

± No Purchase Necessary. To participate in this Contest, you must have successfully connected to and interacted with an HSBC Contact Centre Agent/Chatbot using either the “Call us” or “Chat” feature within the HSBC Canada Mobile app. Limit (1) entry per person/base account during the Contest Period, regardless of how many times you’ve contacted an HSBC Contact Centre Agent/Chatbot. Click here for full rules and how to enter. There will be 15 Prizes available to be won, each consisting of $250.00 (CAD) that will be deposited into the winner’s Eligible Canadian dollar HSBC Bank Canada Savings or Chequing Account; OR credited into the winner’s Eligible Mastercard® account (applicable to HSBC Mastercard ONLY Customers). The Monthly Draws will be held on June 20, July 19 and August 12, 2022 in Montreal, QC. The odds of winning a prize depends on the total number of eligible Entries received during the Contest Period. Must be an existing HSBC customer with an eligible Canadian dollar HSBC Bank Canada Savings or Chequing Account; OR be an existing HSBC Mastercard customer. Entrant must be a resident of Canada and have reached the age of majority in their province/territory of residence. Correct answer to mathematical skill testing question required. Offer may be amended, extended or cancelled at the sole discretion of HSBC at any time without prior notice. Contest valid from May 16, 2022 until August 12, 2022 11:59 PM ET.

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.

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. Valid until October 31, 2022 for new HSBC customers only.

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.

13a Terms and conditions apply. Offer ends July 29, 2022. Some credit applications may not qualify for these low interest offers but may still qualify for a credit offer. Following the initial introductory low variable rate for the first year or first two years, as applicable, standard variable rates will apply. The maximum term length is five years. All rates are per annum and subject to change without notice.

13b All applications, rates and credit amounts are subject to approved credit.

®/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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