HSBC Smart Saver Account
Smart Saver is a savings account that helps you resist the temptation to spend your savings by rewarding you with a great interest rate for every month you don't make a withdrawal.
Competitive variable rate of 0.20% p.a.
No minimum opening or ongoing balance required
Rates and Fees
- No monthly account fee for HSBC Premier customers1
- No charges for transfers to and from your account via Phone or Internet Banking (remember no interest will be paid if you make a withdrawal during the month)
- Fees may apply for other account services. Please refer to our HSBC Wealth and Personal Banking Fees and Charges brochure (PDF, 78.8KB) for full details
Are you eligible?
Find out how you can enjoy all that HSBC Premier has to offer
Already an HSBC customer?
Call your relationship manager to find out more.
Simply send us a secure message through internet banking and we’ll take care of the rest.
Terms and conditions
1A monthly service fee will apply to Personal Banking customers with a Smart Saver Account. Please refer to our HSBC Wealth and Personal Banking Fees and Charges brochure (PDF, 78.8KB) for full details.
Interest is calculated daily and paid monthly on the last business day of the month.
No interest will be paid if a withdrawal is made during the month. If you make a withdrawal on or after the last business day of the month, it will result in no interest being applied in the following month. For example, if you make a withdrawal on Friday, 29 July 2016, Saturday, 30 July 2016 or Sunday, 31 July 2016 no interest will be applied in the month of August 2016
Interest rate is subject to change at any time
No interest is payable on balances over $5,000,000
Maximum of one Smart Saver Account per customer
HSBC Smart Saver Account applicants must be individuals aged 18+
Issued by The Hongkong and Shanghai Banking Corporation Limited, incorporated in the Hong Kong SAR, acting through its New Zealand branch (“HSBC”).