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Everyday Global Account

Enjoy up to 2.25% p.a. interest on Ringgit Malaysia balances1 from 30 March - 31 December 2020

HSBC Everyday Global Account

As the world changes, we would like to ensure that you have the flexibility to enjoy uninterrupted access to your everyday banking. Get HSBC Everyday Global Account2-the all-in-one bank account that provides financial peace of mind for your everyday needs, here and overseas.
Available currencies : Ringgit Malaysia (RM), United States Dollar (USD), Canadian Dollar (CAD), Great Britain Pound Sterling (GBP), Hong Kong Dollar (HKD), Australian Dollar (AUD), New Zealand Dollar (NZD), Singapore Dollar (SGD), Euro (EUR), Japanese Yen (JPY), Saudi Riyal (SAR)

Save, spend and transact in 11 currencies with just 1 account

HSBC Everyday Global Account2 and Visa Debit Card - the multi-currency account you can carry with you in one card wherever you go.

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Transact with ease

1 account to manage all your banking needs 24/7 via Online and Mobile banking.

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More savings

Buy and sell currencies at favourable rates conveniently 24/7 and save it for future use.

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Greater convenience

Withdraw cash and pay for purchases directly from your currencies account at zero overseas transaction fees with a multicurrency debit card3

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Instant online transfers

24/7 currency conversion services at real-time competitive foreign exchange rates

An everyday account for your local and global needs

If you want more mileage out of your salary

Transfer your salary instantly between HSBC accounts worldwide with zero overseas transaction and transfer fees4 to ensure your loved ones are taken care of.

If you want bill paying to be as easy as a click

Settle bills easily via HSBC Online and Mobile banking with JomPAY to over 5,000 billers or set up recurring bill payments so you have less things to worry about every month.

If your favorite hobby is online shopping

Pay like a local for your purchases wherever you are. Convert and save currencies in your account prior to use and our multicurrency debit card will automatically deduct your purchases from the corresponding currency at enjoy absolutely zero overseas transaction fees3.

If your investments span the globe

With access to currency conversion at preferred real-time rates, you can buy and save currencies when rates are favourable, and sell them when the time is right.

Summary of Everyday Global Account Interest Rates for Ringgit Malaysia Account1

Promotional Interest Rate table
Account Balance Range (RM)
Interest Rate (p.a.) during the Promotion Period
0 to 10,000
0.00%
10,000.01 to 50,000
0.25%
50,000.01 to 100,000
1.75%
100,000.01 to 200,000
2.25%
Above 200,000
0.25%
Promotional Interest Rate table
Account Balance Range (RM)
0 to 10,000
Interest Rate (p.a.) during the Promotion Period
0.00%
Account Balance Range (RM)
10,000.01 to 50,000
Interest Rate (p.a.) during the Promotion Period
0.25%
Account Balance Range (RM)
50,000.01 to 100,000
Interest Rate (p.a.) during the Promotion Period
1.75%
Account Balance Range (RM)
100,000.01 to 200,000
Interest Rate (p.a.) during the Promotion Period
2.25%
Account Balance Range (RM)
Above 200,000
Interest Rate (p.a.) during the Promotion Period
0.25%

Note: Interest rate during the Promotion Period is computed progressively based on the amount in the respective account credit balance range and not the entire balance.

Your HSBC Everyday Global Account comes with a Visa Debit Card

The HSBC Everyday Global Visa Debit Card offers convenient access to your HSBC Everyday Global Account anywhere in the world.

  • Transact with ease in Ringgit Malaysia plus 10 major foreign currencies2 with only 1 debit card
  • Get more savings with zero debit card issuance and annual fees4
  • Zero currency conversion fees on spend & withdrawal3, online shopping and cash withdrawals in 10 major currencies
  • Pay your bills easily with recurring payments on your Everyday Global Visa Debit Card

How does your HSBC Everyday Global Visa Debit Card work?

Shopping cart with dollar sign illustration

Purchase an item in foreign currency.

Cash and money illustration

If you make a USD100 purchase, we'll deduct USD100 from your HSBC Everyday Global Account*, with no hidden charges.

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If you don't have enough foreign currency in your account, we'll convert it and you'll be charged in Ringgit Malaysia.

Apply online in minutes

New to HSBC

Click here if you need tips to complete your application form.

Select your account and apply

Card face of HSBC Everyday Global Account; image used for HSBC Malaysia Everyday Global Account page.

HSBC Everyday Global Account

No minimum balance requirement

Card face of HSBC Advance Everyday Global Account; image used for HSBC Malaysia Everyday Global Account page.

HSBC Advance Everyday Global Account

Min Total Relationship Balance5 of RM30,000 or sign up for an HSBC Home Loan of RM300,000 and above

Card face of HSBC Premier Everyday Global Account; image used for HSBC Malaysia Everyday Global Account page.

HSBC Premier Everyday Global Account

Total Relationship Balance5 of at least RM200,000

Frequently asked questions

Important notes:

HSBC Bank Malaysia Berhad 198401015221 (127776-V). Member of Perbadanan Insurans Deposit Malaysia.

*Protected by Perbadanan Insurans Deposit Malaysia up to RM250,000 for each depositor.

1After the Promotion Period, the interest rate for the HSBC Everyday Global Account will revert to the prevailing board rate applicable at that time. Interest will be calculated on a daily basis and credited into the HSBC Everyday Global Account on a monthly basis. Amended Terms and Conditions for Save with HSBC Everyday Global Account Promotion apply. Promotion Period: 30 March 2020 until 31 December 2020.

2Protected by Perbadanan Insurans Deposit Malaysia up to RM250,000 for each depositor. The supported Foreign Currency Accounts will be opened automatically by the following working day.

3Applicable to successful retail purchases, online shopping and cash withdrawals performed with Visa Debit Card under the supported currencies only. For supported currencies: If you do not have sufficient foreign currency to complete a transaction, we will convert at prevailing rate as determined by the bank and bill you in Ringgit Malaysia. For unsupported currencies: The entire transaction amount shall be converted at a prevailing rate as determined by Visa International and billed to you in Ringgit Malaysia, except for cash withdrawals performed via HSBC Group ATMs (GATS) which the withdrawn amount will be automatically converted to Ringgit Malaysia at the prevailing rate as determined by the bank.

4For HSBC Premier or HSBC Advance customers only. Subject to destination country's local regulation and HSBC internal policy requirement. HSBC Premier customers enjoy zero transfer fees. HSBC Advance customers will be charged USD7 (debit foreign currency account) or RM22 (debit Ringgit Malaysia account) per transaction. Instant foreign currency to foreign currency exchange transfer is available 24 hours 7 days. Transfer involving Ringgit Malaysia is from Monday to Friday 9.30am to 3pm. If you perform any transfer outside those hours, the actual amount to be debited will be based on the next business day’s exchange rate.

5Total Relationship Balance includes any: Deposits in Current Account, Savings Account, Time Deposits, Term Deposits, and/ or investments in Unit Trust Funds/ Shariah-compliant Unit Trust funds, Structured Investments, Dual Currency Investments and/or Direct Retail bond, and/or Cash value from Family Takaful/Life Insurance products with Investment-linked and savings components.

6Account Fee waiver until full and final settlement of home financing.

7Account fee waiver as long as you fulfil the qualification criteria.

8First 12-month Advance fee waived. Subsequently, customers who meet the minimum total spend of RM10,000 per annum on their HSBC Credit Card will have the monthly Advance fee waived. If you fail to meet the qualification criteria, your account will be downgraded to an HSBC Basic Current Account. Spend includes internet transactions, local and overseas retail transactions, cash advance, Balance Transfer, Cash Instalment Plan, standing instructions/auto-billing.