Interest Rates | HSBC Canada

We offer competitive interest rates on your HSBC InvestDirect account. Please refer to the table below for current rates. For debit rates — for example, the interest you pay when you borrow through a margin account — refer to the Debit Interest Rates tables. For the rates we pay on outstanding account balances, refer to the Credit Interest Rates tables.

Canadian Credit and Debit Interest Rates

U.S. Credit and Debit Interest Rates

GIC Rates

Canadian Credit and Debit Interest Rates




Updated 2017-10-13



Canadian Credit Interest Rates Standard Cash account/ RSP (%) Standard Margin (%) HSBC Advance (%) HSBC Premier (%) Active Trader (%)
$0 - $24,999 0.0 0.0 0.0 0.0 0.0
$25,000 - $49,999 0.0 0.0 0.0 0.0 0.0
$50,000 - $99,999 0.0 0.0 0.0 0.0 0.0
$100,000 - $249,999 0.0 0.0 0.0 0.0 0.0
$250,000 and over 0.0 0.0 0.0 0.0 0.0






Updated 2018-10-24



Canadian Debit Interest Rates Cash account* (%) Standard Margin (%) HSBC Advance - Margin (%) HSBC Premier - Margin (%) Active Trader - Margin (%)
$0 - $24,999 19.00 5.50 5.50 5.50 5.50
$25,000 - $49,999 19.00 5.50 5.25 5.25 5.25
$50,000 - $99,999 19.00 5.50 5.15 5.0 5.0
$100,000 - $249,999 19.00 5.50 4.90 4.40 4.40
$250,000 and over 19.00 5.50 4.60 4.10 4.10



* Applicable to all standard and preferred cash accounts. (Standard, Advance, Premier, Active Trader)



U.S. Credit and Debit Interest Rates




Updated 2017-10-13



U.S. Credit Interest Rates Standard Cash account (%) Standard Margin (%) HSBC Advance (%) HSBC Premier (%) Active Trader (%)
$0 - $24,999 0.0 0.0 0.0 0.0 0.0
$25,000 - $49,999 0.0 0.0 0.0 0.0 0.0
$50,000 - $99,999 0.0 0.0 0.0 0.0 0.0
$100,000 - $249,999 0.0 0.0 0.0 0.0 0.0
$250,000 and over 0.0 0.0 0.0 0.0 0.0






Updated 2018-09-28



U.S. Debit Interest Rates Cash account* (%) Standard Margin (%) HSBC Advance - Margin (%) HSBC Premier - Margin (%) Active Trader - Margin (%)
$0 - $24,999 19.00 6.50 6.50 6.50 6.50
$25,000 - $49,999 19.00 6.50 6.25 6.25 6.25
$50,000 - $99,999 19.00 6.50 6.00 6.00 6.00
$100,000 - $249,999 19.00 6.50 5.85 5.70 5.70
$250,000 and over 19.00 6.50 5.50 5.35 5.35



* Applicable to all standard and preferred cash accounts. (Standard, Advance, Premier, Active Trader)



GIC Rates

At HSBC InvestDirect, we offer you more GIC choices with better GIC rates.




Updated December 12, 2018



Short Term Canadian Dollar GIC Interest Options 30 day Maturity 60 day Maturity 90 day Maturity 120 day Maturity 180 day Maturity 270 day Maturity
Best Available Rates (% per annum) 1.4% 1.45% 1.5% 1.65% 2.31% 2.35%
Min. Purchase $5,000 $5,000 $5,000 $5,000 $5,000 $5,000



All rates represent annual rate of return. Rates are indicative only and are subject to change without notice.
The specified rate of interest is a fixed rate. Interest is calculated daily, starting with the date of purchase, but not including the date of maturity. Unless otherwise stated, interest is non-compounding. Interest is payable monthly, annually or at maturity.
GIC orders may not be cancelled or redeemed prior to maturity unless indicated as "cashable". Cashable GICs are redeemable prior to maturity, after 30 days.
Canadian dollar GICs with terms to maturity of 5 years or less are eligible for CDIC coverage. Some restrictions apply. Please see the CDIC website for complete details.






Updated December 12, 2018



Best Available Canadian Dollar GIC Interest Options 1 year Maturity 2 year Maturity 3 year Maturity 4 year Maturity 5 year Maturity
Non-Compounding Interest GICs with Annual Interest Payment (% per annum) 2.77% 3.13% 3.21% 3.29% 3.42%
Min. Purchase $5,000 $1,000 $1,000 $5,000 $5,000
- - - - - -
Compounding Interest GICs with Maturity Interest Payment (% per annum) - 3.13% 3.21% 3.29% 3.42%
Min. Purchase - $1,000 $1,000 $5,000 $5,000
- - - - - -
Non-Compounding Interest GICs with Monthly Interest Payment (% per annum) 2.67% 3.04% 3.12% 3.2% 3.33%
Min. Purchase $5,000 $5,000 $5,000 $5,000 $5,000



All rates represent annual rate of return. Rates are indicative only and are subject to change without notice.
The specified rate of interest is a fixed rate. Interest is calculated daily, starting with the date of purchase, but not including the date of maturity. Unless otherwise stated, interest is non-compounding. Interest is payable monthly, annually or at maturity.
GIC orders may not be cancelled or redeemed prior to maturity unless indicated as "cashable". Cashable GICs are redeemable prior to maturity, after 30 days.
Canadian dollar GICs with terms to maturity of 5 years or less are eligible for CDIC coverage. Some restrictions apply. Please see the CDIC website for complete details.



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1 HSBC Premier requires you to have an active HSBC Premier chequing account, and maintain combined personal deposits and investments with HSBC Bank Canada and its subsidiaries of $100,000 or hold a personal HSBC Bank Canada residential mortgage with original amount of $500,000 or greater. Some exclusions apply. A monthly fee will be charged if you do not meet at least one of the eligibility criteria above. For full details regarding eligibility and any fees which may apply please refer to the Personal Service Charges/Statement of Disclosure available at any HSBC Bank Canada branch or online at www.hsbc.ca.

2 HSBC Advance requires you to have an active HSBC Advance chequing account, and maintain combined personal deposits and investments with HSBC Bank Canada and its subsidiaries of $5,000 or hold personal HSBC Bank Canada residential mortgage with original amount of $150,000 or greater. Some exclusions apply. A monthly fee will be charged if you do not meet at least one of the conditions above. For full details regarding any fees which may apply please refer to the Personal Service Charges/Statement of Disclosure available at any HSBC Bank Canada branch or online at www.hsbc.ca.

3 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.

4 Based on qualified trades. Rates apply to online trades only. Options assignments and exercises are also counted as qualifying trades. All trade orders will be charged an applicable commission rate on a per order basis. For instance, if multiple trade orders are placed on the same day, for the same security, and on the same side of the market, each individual order is subject to the applicable commission rate. All commission fees are charged in the currency of the market. For option assignments and exercises, the regular stock commission schedule applies. All features, fees and commission rates will be current as of October 4th, 2011, and are subject to change without prior notice Available on online equity trades on North American markets. Subject to conditions.

The rates listed above are subject to change without notice.
No credit interest is paid when the amount payable is less than $5 (CDN or U.S.) and no debit interest is charged when the amount chargeable is less than $2 (CDN or U.S.).

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