Because not every run is the same, prepare for the long run by maximizing your RRSP contributions now and enjoy the confidence of the smoother ride towards your future wellness.

This year, you have two more reasons to make the most of RRSP season and be one step closer to your retirement goals.


With flexible repayment terms, catching-up on any unused contribution room or maximizing this year’s RRSP contribution, will be easier with an HSBC RRSP Loan.


Who doesn’t like a little more money in their pocket?

Get an RRSP loan of $5,000 or more and we'll rebate the interest you paid between the date the loan was opened and the date it is paid in full or April 30, 2020.  Your payments need to be from an HSBC bank account to qualify.

Make the most of your RRSP today.

Apply for an HSBC loan today

Offer Period:

January 2, 2020 to March 2, 2020

Program Terms and Conditions

See how you can save for a better retirement.

Why an RRSP Loan could be right for you?

Maximize your retirement savings

By optimizing your unused RRSP contributions and tax returns.

Easy repayment terms

You can re-pay your RRSP loan in flexible terms from 1-5 years.

Peace of mind

It’s never too soon to start preparing your financial future. An RRSP loan can help you get ahead.

Offer details.

Multiple ways to contact us.

APR means the cost of borrowing for a loan expressed as an annual rate. It includes all interest and some noninterest charges associated with the loan. Since there is no cost of borrowing other than interest, the annual interest rate and APR is the same and APR will fluctuate with the Prime Rate from time to time.

1 Prime rate is 3.95% as of December 1, 2019 and means the annual rate of interest HSBC Bank Canada announces from time to time as a reference rate for determining interest rates on Canadian dollar retail loans in Canada. The actual rate will vary depending on fluctuations to HSBC’s Prime Rate. Rates are subject to change without notice. For information and to confirm most recent rates, please contact any HSBC Bank Canada branch. They can also be found online at:

2 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 amount of 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, 2020 inclusive; whichever date arrives first (the "Eligibility Period"). Please read the Terms and Conditions which govern the HSBC RRSP Loan Interest Rebate Offer. The HSBC RRSP Loan Interest Rebate Offer runs from January 2, 2020 to March 2, 2020 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.