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Everyday small business banking

Get up to a $6006 small business welcome bonus when you bank with HSBC.

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.

Low interest rates for Small Business Loans and Lines of Credit

Do more for your business with special introductory rates below Prime for the first 2 years5.

Small Business banking that puts you in control

Get everything you need to manage your day-to-day business transactions with our chequing accounts, or keep your extra cash secure and set aside funds for any future needs with our interest-earning savings account. 

Ready to get started?

Award-winning small business banking

Winner of “Best Small Business Bank in Canada” by Cosmopolitan Business Awards 2022.3

Get more out of banking with HSBC Fusion

Total Relationship Balance

Get monthly fees waived on up to 5 Small Business chequing accounts when you meet the minimum Total Relationship Balance (TRB).

Flexible chequing accounts

Each small business is different – choose the chequing account that best suits your small business needs from monthly transactions to deposits.

Secure, simple mobile access

Access both your small business and personal accounts using one log on with the HSBC Fusion Canada app.

A no-fee Business Savings Account

Your small business can save and grow more with no monthly fees.

Small Business chequing accounts

HSBC Start Chequing

A low fee option for businesses just starting out.

  • $5 monthly fee 
  • Minimum TRB: $10,000
  • 10 transactions per month 
  • Deposit fees:
    ‒ Cheques: $0.20 each
    ‒ Cash: $2.50 per $1,000 deposited / month

HSBC Smart Chequing

Best for businesses that require additional transactions each month.

  • $30 monthly fee 
  • Minimum TRB: $60,000
  • 60 transactions per month 
  • Deposit fees:
    ‒ Cheques: First 45 included,
    then $0.20 each
    ‒ Cash: First $5,000 included,
    then $2.50 per $1,000 deposited / month

HSBC Unlimited Chequing

A great plan with all the benefits of the Smart Chequing account plus enjoy unlimited transactions.

  • $60 monthly fee
  • Minimum TRB: $120,000
  • Unlimited transactions per month 
  • Deposit fees:
    ‒ Cheques: First 100 included,
    then $0.20 each
    ‒ Cash: First $15,000 included,
    then $2.50 per $1,000 deposited / month

HSBC Business Savings Account

Do more with your savings: if you have additional cash you don’t require for your everyday business needs, open a High Rate Savings Account and watch your money grow:

  • $0 monthly fee 
  • No minimum balance required 
  • Easily transfer money between your chequing and savings accounts
  • $0.20 fee per cheque deposited 
  • $2.50 cash deposit fee per $1,000 deposited per month 
  • Earn on tiered, competitive interest rates

View full details regarding our products and related fees and service charges.

HSBC Fusion: empowering your business and personal banking

Get more out of banking with HSBC Fusion. Manage your small business and personal accounts in one place, with one point of contact for all your banking needs. Plus, get extra services to help you thrive at work and at home. 

Multiple ways to get you started

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Whether you arrived recently or still abroad, you can open a Small Business Chequing Account and receive a $100* cashback.


For professionals running small businesses. Get specialized pricing for both your small business and personal needs.

HSBC Payment Solutions

Support to manage your business cash flow. HSBC helps you accept various payment choices so you can easily receive funds from customers and make payments to vendors, all while tracking your transactions.

Issued by HSBC Bank Canada

* Terms and Conditions apply. 

1 To be eligible for HSBC Small Business Banking, your business must be a sole proprietorship, partnership or corporation domiciled in Canada and generate an annual gross revenue below $5 million CAD. Other requirements may apply.

3 For Cosmopolitan The Daily award information, visit site:

5Terms and conditions apply. Offer ends December 30, 2022. Some credit applications may not qualify for these low interest offers but may still qualify for a credit offer. All applications, rates and credit amounts are subject to approved credit.

Terms and conditions apply. Offer ends November 30, 2022.

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