Refer and Earn | Share The Experience

Earn up to $1,000¹ with HSBC’s Share the Experience Program

Refer a friend or family member to open an HSBC chequing account and earn up to $1,000 per qualified referral.¹ You can get rewarded for up to 20 referrals per calendar year.

First, make sure you are eligible to refer:

You are an HSBC client in one of the following segments: Performance Unlimited, Performance Limited, Student, Advance, Premier, Private Investment Counsel or Private Client Services.
You have an existing HSBC chequing account.

Referring is easy

For Chequing Accounts, you can easily refer online in just a few steps.

1. Refer through online banking.

2. Complete the referral form by giving us the details of your referee. You will both receive an email confirmation once the form is submitted.

3. The referee will receive an email with a link to open an account online.

4. Once the account is opened and STEP eligibility^** is met, you will both qualify for the STEP bonus. It’s that simple!

Refer online*

For Small Business, other qualifying or in Branch referrals, follow the below steps:

Download, print and complete the Share the Experience Referral Card.

Share the Experience Referral Card Download

Return the completed Referral Card to your HSBC Premier Relationship Manager or an HSBC Representative at your HSBC Branch.

To qualify for the referral gift, your referred friend, family member, or Small Business must open a new chequing account and meet the Share the Experience program eligibility requirements.
The referral gift will be deposited into your HSBC chequing account and that of your referee’s as per the program’s conditions^**.

How to get rewarded

The referral gift will be deposited into your HSBC chequing account and the referee’s qualifying HSBC chequing account (Premier, Advance, Student, Small Business) within seven (7) months after meeting the program’s eligibility requirements.

$50

For an HSBC Student Chequing referral:

Your referee opens an HSBC Student Chequing account and meets the eligibility criteria in the Terms and Conditions.
$300

For an HSBC Premier referral:

Your referee joins HSBC Premier and meets the eligibility criteria in the Terms and Conditions.

$200

For an HSBC Advance referral:

Your referee joins HSBC Advance and meets the eligibility criteria in the Terms and Conditions.
$1,000

For an HSBC Private Investment Counsel referral:

Your referee becomes an HSBC Private Investment Counsel customer with the minimum Assets Under Management and opens an HSBC chequing account within 1 month. Available in branch only.

$200

For an HSBC Small Business referral:

Your referee opens an HSBC Start, Smart, or Unlimited chequing account. Available in branch only.
$1,000

For an HSBC Private Client Services referral:

Your referee becomes an HSBC Private Client Services client under the HSBC Private Client Services Terms and Conditions within 1 month of opening an HSBC Premier chequing account.

Opening up a world of opportunity

When you experience a good thing, share it.

International presence

Easily move money between your HSBC accounts in multiple countries.

Minimum balance flexibility

Put your chequing account’s minimum balance into any account, including RRSP, TFSAs, Savings, and more.

Extend Premier benefits to your family

If you are an HSBC Premier customer, you can extend your exclusive Premier benefits and privileges to your immediate family including rewards, offers and partnerships.

Get tailored banking advice

With HSBC Premier, a dedicated Premier Relationship Manager will get to know you and your needs – providing financial planning services including investments, mortgages, and lending.

New to HSBC or referring a friend?

Explore our products and services

Chequing accounts

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

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New to Canada

Start your life in Canada with a banking partner that can help you open up new opportunities while staying connected to your life back home.

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^* Online referrals only apply to personal chequing account referrals.

^** Share the Experience Program cannot be combined with any Welcome offers (for example: New to Bank & New to Canada or any new joining customer offers).

For more clarity, the new customer (“Referee”) joining the bank will only be eligible for either the Share the Experience gift or Welcome bonus, whichever is higher, but not both. The Referrer will continue to get the gift as part of the Share the Experience Program.

¹ To receive this offer, the friend or family member that you refer must meet the Share the Experience Program Terms and Conditions. For more information on the Terms and Conditions of this program, please visit hsbc.ca/share.

² HSBC Private Client Services is available exclusively to HSBC Premier customers. To qualify, customers need to hold in CAD with HSBC Bank Canada a minimum of $1 million in personal deposits and investments or (ii) both a minimum of $500,000 in personal deposits and investments and personal residential mortgage balances of at least $1,500,000. Full terms and conditions are available at hsbc.ca/pcsterms.

³ 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 greater, hold a personal HSBC Bank Canada residential mortgage with original amount of $500,000 or greater, or have income deposits of $6,500 within a calendar month plus confirmation of $100,000 or more in assets under management in Canada. 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.

⁴ 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.

⁵ The Student Chequing Account is available for full-time post-secondary students with proof of enrollment for a 5-year period after account opening. An additional 2 years will be granted with proof of post-secondary enrollment. You must also be at least 17 years old. For full details regarding fees which may apply to HSBC Student Chequing Account or HSBC Youth Savings Account, please refer to the Personal Service Charges Statement of Disclosure available at any HSBC Bank Canada branch or online at www.hsbc.ca/servicecharge.

⁶ For an HSBC Small Business banking qualified referral, you must qualify as an HSBC Small Business customer, meaning your business must be a sole proprietorship, partnership or corporation domiciled in Canada and with an annual gross revenue below $5 million CAD. Other requirements may apply.

⁷ For an HSBC Private Investment Counsel qualified referral you must become an HSBC Private Investment Counsel customer with the minimum Assets Under Management ($1,000,000) and open an HSBC chequing account within 1 month.

Earn up to $1,0001 per referral with HSBC’s Share the Experience Program

Earn up to $1,0001 with HSBC’s Share the Experience Program