Your money on your terms
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Grow your money at a fixed interest rate
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Select from 12 major currencies, including US dollar (USD), Great Britain pound (GBP), Australian dollar (AUD), Singapore dollar (SGD), and euro (EUR)
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Choose term lengths from 1, 3, 6, 9 or 12 months to fit your needs
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Reinvest or withdraw your funds upon maturity
Ready to apply?
If you already have an active HSBC Everyday Global Account or HSBC Foreign Currency Account, you can apply for an HSBC Foreign Currency Time Deposit Account via HSBC Online Banking.
If you're new to HSBC, please visit your nearest branch
How much do I need to open an account?
The following table shows the minimum amount you'll need to open an account for each of the 5 major currencies: US dollar (USD), Great Britain pound (GBP), Australian dollar (AUD), Singapore dollar (SGD), and euro (EUR). It also shows the interest rate offered for each term.
| Currency |
Minimum deposit amount |
1 month |
3 months |
6 months |
9 months |
12 months |
|---|---|---|---|---|---|---|
| USD | 3,000 | 3.95% | 3.90% | 3.79% | 3.69% | 3.63% |
| GBP | 2,000 | 4.10% |
4.04% |
3.93% |
3.83% |
3.74% |
| AUD | 3,000 | 3.36% |
3.40% |
3.46% |
3.32% |
3.01% |
| SGD | 4,000 | 2.38% |
2.38% |
2.28% |
2.08% |
2.08% |
| EUR | 2,000 | 2.30% |
2.23% |
1.84% |
1.78% |
1.61% |
| Currency |
USD |
|---|---|
| Minimum deposit amount |
3,000 |
1 month |
3.95% |
3 months |
3.90% |
6 months |
3.79% |
9 months |
3.69% |
12 months |
3.63% |
| Currency |
GBP |
| Minimum deposit amount |
2,000 |
1 month |
4.10% |
3 months |
4.04% |
6 months |
3.93% |
9 months |
3.83% |
12 months |
3.74% |
| Currency |
AUD |
| Minimum deposit amount |
3,000 |
1 month |
3.36% |
3 months |
3.40% |
6 months |
3.46% |
9 months |
3.32% |
12 months |
3.01% |
| Currency |
SGD |
| Minimum deposit amount |
4,000 |
1 month |
2.38% |
3 months |
2.38% |
6 months |
2.28% |
9 months |
2.08% |
12 months |
2.08% |
| Currency |
EUR |
| Minimum deposit amount |
2,000 |
1 month |
2.30% |
3 months |
2.23% |
6 months |
1.84% |
9 months |
1.78% |
12 months |
1.61% |
For a full list of currencies and rates, please see our Foreign Currency Time Deposit Account rates page.
Rates displayed above are on a per annum (p.a.) basis.
The rates displayed are indicative for the day and subject to change without prior notice.
| Currency |
Minimum deposit amount |
|---|---|
| USD (United States dollar) | 3,000 |
| GBP (Great Britain pound) | 2,000 |
| AUD (Australian dollar) | 3,000 |
| SGD (Singapore dollar) | 4,000 |
| EUR (Euro) | 2,000 |
| JPY (Japanese yen) | 300,000 |
| BND (Brunei dollar) | 4,000 |
| CHF (Swiss franc) | 3,500 |
| HKD (Hong Kong dollar) | 25,000 |
| CAD (Canadian dollar) | 3,000 |
| NZD (New Zealand dollar) | 4,500 |
| CNY (Chinese yuan) | 20,000 |
| Currency |
USD (United States dollar) |
|---|---|
| Minimum deposit amount | 3,000 |
| Currency |
GBP (Great Britain pound) |
| Minimum deposit amount | 2,000 |
| Currency |
AUD (Australian dollar) |
| Minimum deposit amount | 3,000 |
| Currency |
SGD (Singapore dollar) |
| Minimum deposit amount | 4,000 |
| Currency |
EUR (Euro) |
| Minimum deposit amount | 2,000 |
| Currency |
JPY (Japanese yen) |
| Minimum deposit amount | 300,000 |
| Currency |
BND (Brunei dollar) |
| Minimum deposit amount | 4,000 |
| Currency |
CHF (Swiss franc) |
| Minimum deposit amount | 3,500 |
| Currency |
HKD (Hong Kong dollar) |
| Minimum deposit amount | 25,000 |
| Currency |
CAD (Canadian dollar) |
| Minimum deposit amount | 3,000 |
| Currency |
NZD (New Zealand dollar) |
| Minimum deposit amount | 4,500 |
| Currency |
CNY (Chinese yuan) |
| Minimum deposit amount | 20,000 |
Get started
Already an HSBC customer?
You'll need to have at least one active HSBC Everyday Global Account or HSBC Foreign Currency Savings Account to log on to HSBC Online Banking and open an HSBC Foreign Currency Time Deposit Account in minutes.
New to HSBC?
You can apply for an HSBC Everyday Global Account or HSBC Foreign Currency Savings Account, and an HSBC Foreign Currency Time Deposit Account at your nearest branch. Book an appointment to skip the queue when you visit us.
Good to know
HSBC is a member of Perbadanan Insurans Deposit Malaysia (PIDM). Deposits in your Foreign Currency Time Deposit Account are protected by PIDM up to RM250,000 for each depositor. For more details on PIDM protection, please see this PIDM DIS brochure (PDF).
You can find answers to frequently asked questions about foreign exchange (FX) in our FX products and services FAQs (PDF).
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