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Make your money work harder for you

Earn a total annual interest rate of 1.75% on New Deposits in an HSBC Canadian Dollar High Rate Savings Account from September 13, 2021 to December 16, 2021.

Special offer – apply by November 12, 2021.

Earn higher interest with an HSBC Canadian Dollar GIC.

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

View our personal accounts, Mortgages and Loan rates.

 

Take your investment journey to new heights.

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Earn up to 70,000 Points5a,5b,5d,5e PLUS a full annual fee rebate for the Primary Cardholder for the first year5c.

 

Conditions Apply.

 

Our Newcomers Program helps you on your Canadian journey with access to special offers6 valued up to $1,350.

 

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

 

0.99% APR 5 year variable closed term high ratio mortgage1. Plus, get up to $3,000 cash back2

 

HSBC Fusion offers you more ways to save with Small Business banking products. Start by opening a Small Business Chequing and a Savings account together online.

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.

®/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 value is composed of multiple products. Valid until October 3, 2021 for new HSBC customers only.

*** Terms and conditions apply.

Limited time offer. Terms and conditions apply.

 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 Offer may change or be withdrawn at any time without notice.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 $1,175 per Qualifying Account. The Goal Planning Bonus is available to HSBC Premier clients only and is redeemable exclusively in-branch through an HSBC Premier Relationship Manager. Your eligibility for this Bonus Offer, including the payment of the Bonus Amount, is subject to the 2021 Autumn 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 December 17, 2021.

‡‡‡ Terms and conditions apply. Offer ends November 30, 2021.

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 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 or greater 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. The offer runs from March 1, 2021 to October 2, 2021 inclusive. HSBC Mortgage Cash Back Offer Terms and Conditions

3 Terms and conditions apply. Offer ends September 30, 2021.

4 These offers are available to successful applicants who have not, in the 12 months prior to submitting the application, held an HSBC +Rewards Mastercard account.  Only one new account per customer is eligible for these offers.  The account opening is subject to our standard credit review and approval and additional conditions listed for the specific offers below.

If you are a resident of Canada other than the province of Quebec, you can receive 20,000 Points if you make eligible purchases in the aggregate amount of $2,000 or more within 180 days of opening your account. If you are a resident of Quebec, you can receive 25,000 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 May 3, 2021 and October 3, 2021 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.  This 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 other HSBC credit card offers. The HSBC Plus Rewards Program Terms and Conditions apply.

4a These offers are available to successful applicants who have not, in the 12 months prior to submitting the application, held an HSBC +Rewards Mastercard account.  Only one new account per customer is eligible for these offers.  The account opening is subject to our standard credit review and approval and additional conditions listed for the specific offers below.

If you are a resident of Canada other than the province of Quebec, you can receive 20,000 Points if you make eligible purchases in the aggregate amount of $2,000 or more within 180 days of opening your account. If you are a resident of Quebec, you can receive 25,000 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 May 3, 2021 and October 3, 2021 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.  This 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 other HSBC credit card offers. The HSBC Plus Rewards Program Terms and Conditions apply.

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 May 3, 2021 and October 3, 2021. 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. 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 HSBC +Rewards Mastercard.

5a 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 account per customer is eligible for these offers.  The account opening is subject to our standard credit review and approval and additional conditions listed for the specific offers below.

The Welcome Bonus, the additional points offer and the fee rebate offer (not available in Quebec) 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.

5b If you are not a resident of Quebec, you can receive the additional 20,000 Points if you make eligible purchases in the aggregate amount of $5,000 or more within 180 days of opening or upgrading your account. If you are a resident of Quebec, you can receive the additional 50,000 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 May 3, 2021 and October 3, 2021 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.  This 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 other HSBC credit card offers. The HSBC World Elite Rewards Program Terms and Conditions apply.

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 May 3, 2021 and October 3, 2021. 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 May 3, 2021 and October 3, 2021 and you must add your first Additional Cardholder to your HSBC World Elite Mastercard or HSBC Premier World Elite Mastercard account by November 29, 2021. The additional Points will be awarded approximately 60 days after November 29, 2021 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.  This 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 other HSBC credit card offers. The HSBC World Elite Rewards Program or HSBC Premier World Elite Rewards Program Terms and Conditions apply.

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 May 3, 2021 and October 3, 2021. Only one 20,000 Anniversary Point Bonus per account. You must keep your Account open, active and in good standing for twelve (12) consecutive months from the Account open 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. This 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 other HSBC credit card offers. The HSBC World Elite Rewards Program or HSBC Premier World Elite Rewards Program Terms and Conditions apply.

6 Terms and Conditions apply. Offer value is composed of multiple products. Valid until September 27, 2021 for new HSBC customers only.

HSBC Canada is a member of the Canada Deposit Insurance Corporation (CDIC)

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