Top of main content

HSBC One

Our all-in-one bank account brings comprehensive digital wealth management tools, online banking services, and great rewards to help you earn more and live better.

HSBC One - the digital wealth banking suite to help you achieve financial freedom

HSBC One lets you spend and save in 12 major currencies with just one account. You can invest or make time deposits and more, all without having to maintain a minimum total relationship balance with us. Experience it today—open an account on your mobile in just 5 minutes[@accounts-hsbc-one-5-min]!

HSBC One 2.0 is officially here!

Upgrade your experience with a range of exclusive banking and lifestyle offers that include:

  • Up to 4.05% p.a. HKD savings rate: for new HSBC One customers who deposit new fund, set up auto-payroll, and exchange currencies
  • Flash Friday giveaways: travel, entertainment, and health rewards at 11:00am on second Friday monthly
  • More rewards: in stocks, investments, insurance, currency exchange and more
  • Flash Friday priority pass and other exclusive offers: for existing customers who maintain an average total relationship balance of HKD500,000 or above in past 2 months

Terms and conditions apply.

Bank the way you want— with HSBC's most comprehensive digital banking services

Manage your money at your fingertips with one app

With the 'Budget' feature on the HSBC HK App, you can:

  • automatically track expenses from all your HSBC bank accounts and credit cards
  • understand your spending pattern and where you spend the most
  • set a monthly expense budget to closely monitor your spending run rate and we'll remind you when you overspend

Access the right tools and information with our trusted investment platform

Looking to invest but deterred by high costs and low returns? With us, you can:

  • check out the technical analysis, patterns and market consensus of stocks by accessing the Stock Insights function on HSBC HK Easy Invest app[@accounts-easy-invest]
  • join HSBC Trade25[@investment-trade25-savings-rate]and start trading in HK, US and China A stock markets with a lifetime $0 commission[@accounts-t25commission] and $0 platform fee. HKD25 per month is only required if you trade or hold stocks with us in the respective month
    Limited time offer: Trade25 is not limited to those aged 18-25. Those aged 35 or below can also join now[@accounts-offer-2023jun-lifetime-t25-age35]!
  • tailor your own diversified portfolio of fund investments with FlexInvest, starting from just HKD100
  • level up your financial knowledge through our free 7-day Investment 101 email course or 'Wealth starter guide'

Forecast your future finance on mobile or with our wealth experts

Planning your financial future? You can:

  • use Future Planner to project your finances for every stage of your life. We'll run real-time simulations and let you see how likely you could achieve your personal goals
  • speak to a real person via 'Chat with us' on the HSBC website or HSBC HK App if you've got any wealth management and investment queries

Enjoy all-round protection with your policy always attended to

Live the life of your dreams, free of worry, with a wide range of insurance products from HSBC Life. Plus, you can:

  • view your policy details and coverage on the HSBC HK App, any time—full disclosure, zero pressure
  • join our wellness reward programme Well+ for free on HSBC HK app – available to all mobile banking app users. You can nurture your Body, Money and Mind by completing simple activities and earn up to $2,000 RewardCash[@accounts-wellplus-hkd2000-offer]

Get anytime, anywhere access to 12 major currencies[@accounts-12-fx-currencies] and travel with peace of mind

Planning your next holiday? With our multi-currency HSBC One account, you can:

  • make 24/7 exchanges for up to 11 major currencies[@accounts-hsbc-one-fx-currency] on the HSBC HK App, or set up FX Order Watch or rate alerts to save you the hassle of watching the market
  • do more with your exchanged currencies abroad with our HSBC Mastercard® Debit Card. Shop, spend, or withdraw cash from HSBC ATMs worldwide, all while enjoying zero annual fees or handling fees

Red Hot Rewards - Earn rewards of your choice that match your lifestyle!

Earn these rewards and much more when you dine, shop, play and travel with HSBC credit cards:

  • Earn up to 4% RewardCash[@accounts-red-card-rc] when you shop online and 1% RewardCash[@accounts-red-card-rc] on designated spending categories with the HSBC Red Credit Card
  • HSBC Credit Card brings you the hottest year-round offer at over 10,000 dining and shopping hotspots
  • Redeem your rewards with HSBC Reward+ at your choices – instantly convert your RewardCash to miles, gifts, merchant partner loyalty points or settle your credit card bills with just a few clicks

Stay in shape with our special health privileges

Health is the key to winning it all. As HSBC One customers, you and your family can enjoy:

  • up to 64% discount on select health check programmes at private hospitals
  • up to 22% discount on health check, Weight Management & Speech Therapist package for Child, along with discount on Men/Women programmes at Hong Kong Adventist Hospital - Stubbs Road
  • over 100 healthcare offers (including Health Check, Vaccination, Lasik and Eye Care, Chinese Medicine and Others) if you hold an HSBC credit card

There's so much more to look forward to

  • 10,000+ delights & more
    Enjoy a wide range of offers at over 10,000 outlets as an HSBC customer. T&Cs apply. Learn more.

Open your account in a few simple steps

New to HSBC? Download the HSBC HK App – now with 2 million active users – on the App Store or Google Play Store, and open your HSBC One account in 5 minutes[@accounts-hsbc-one-5-min] by following these simple steps.

Step 1

Open the HSBC HK Mobile Banking App and select the 'I don't have an account yet' option.

Step 2

Take a photo of your new version of HKID card issued in Nov 2018 or later*.

*By using your passport or exit-entry permit (EEP) to apply for an HK HSBC account via mobile app, you will be required to take a picture of your identity document. The estimated completion time of the whole application is around 10 minutes.

Step 3

Take a selfie for identification purposes.

Step 4

Fill in your personal details to have your account opened.

Already banking with us?

But not an integrated account holder? Not a problem. You can open an HSBC One account via mobile banking in minutes.

Want to open account at branch? 

Important Account Documents

Your zero-stress quick start investment guide

Kick start your investment 

Digital financial management at your fingertips   

Open a bank account in minutes and manage your money on the go.
Trade stocks, see market trends and get in-depth analyses and stock quotes on the go with the HSBC HK Easy Invest app.   
Discover the latest offers and deals in town, and make the most of your RewardCash.   

Split bills with friends in just a few taps and pay anyone instantly.

SVF Licence Number: SVFB002 

Notes

    Important information 

    Risk Disclosure

    Stocks

    • Making available to you any advertisements, marketing or promotional materials is part of our Bank's ordinary course of securities dealing business. It shall not, by itself, constitute solicitation of the sale or recommendation of any investment products.
    • Investment involves risk. Notwithstanding the benefits of offer(s) mentioned herein, you should carefully consider the risks and features of any investment products (including but not limited to equities/exchange traded funds/exchange traded derivatives & structured products) or services mentioned herein to assess whether they are appropriate for you in view of your investment experience, objectives, financial resources and relevant circumstances. The price of investment products may move up or down. Losses may be incurred as well as profits made as a result of buying and selling investment products

     

    Currency conversion risk

    • the value of your foreign currency and RMB deposit will be subject to the risk of exchange rate fluctuation. If you choose to convert your foreign currency and RMB deposit to other currencies at an exchange rate that is less favourable than the exchange rate in which you made your original conversion to that foreign currency and RMB, you may suffer loss in principal.

     

    Unit trust

    • Unit trusts are investment products and some may involve derivatives. The investment decision is yours but you should not invest in the unit trusts unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.
    • Unit trusts are NOT equivalent to time deposits.
    • In the worst case scenario, the value of the unit trusts may be worth substantially less than the original amount you have invested.

     

    To borrow or not to borrow? Borrow only if you can repay!

    • Apple, the Apple logo, iPhone, iPad, iPod touch, Touch ID and Face ID are trademarks of Apple Inc., registered in the US and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. Android is a trademark of Google LLC.
    • The screen displays are for reference and illustration purposes only.