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HSBC Advance to enjoy fabulous Welcome Rewards
From now until 31 October 2016, new and existing HSBC customers who join HSBC Advance and complete designated transactions can enjoy Welcome Rewards of up to HKD3,8001 and HKD3,5002 respectively and first 3-month below balance fee waiver3.

New HSBC customer can enjoy up to HKD3,800 Welcome Rewards1
*Customers have to complete/take-up designated banking products/services and fulfil the designated transaction amount. Please refer to Section (B) of the Terms and Conditions. Investment involves risk. Please refer to the "Important Risk Warning" section for details.

Existing HSBC customer can enjoy up to HKD3,500 Welcome Rewards2
*Customers have to complete/take-up designated banking products/services and fulfil the designated transaction amount. Please refer to Section (B) of the Terms and Conditions. Investment involves risk. Please refer to the "Important Risk Warning" section for details.
Please call 2233 3722 or visit any branch to join HSBC Advance.

Besides, HSBC Advance customers can also enjoy comprehensive wealth management and personal lending solutions to help you achieve more.
Terms and conditions apply. Please click here for details.

Remarks:

  • The maximum of HKD3,800 worth of shopping coupons is applicable to New to HSBC customers who successfully open an Integrated Account - HSBC Advance (the "Advance Account") during the promotional period. It comprises the total sum of up to HKD500 worth of shopping coupons under the Total Relationship Balance Offer for New to HSBC Customer, up to HKD500 worth of shopping coupons under the Banking Products/Services Offer, HKD2,000 worth of shopping coupons under Bonus Offer and up to HKD800 worth of shopping coupons under payroll offer. For details of the rewards, please refer to Section (A) to (D) of the Promotional Terms and Conditions. “New to HSBC Customer” is an Eligible Customer who must not be a holder of any one of the following account/products at any time during the period from 1 August 2016 to the date when he/she opens an Advance Account: a) sole or joint name account with the Bank (excluding holder of any personal primary or additional credit card issued by the Bank, MPF accounts and safe deposit lease accounts); or b) any insurance plans applied through the Bank (except Single Trip TravelSurance).
  • The maximum of HKD3,500 worth of shopping coupons is existing HSBC customers who successfully open an Advance Account during the promotional period. It comprises the total sum of up to HKD200 worth of shopping coupons under the Total Relationship Balance Offer for existing HSBC Customer, up to HKD500 worth of shopping coupons under the Banking Products/Services Offer, HKD2,000 worth of shopping coupons under Bonus Offer and up to HKD800 worth of shopping coupons under payroll offer. For details of the rewards, please refer to Section (A) to (D) of the Promotional Terms and Conditions.
  • Customers can enjoy a waiver of the below balance fee for the first 3 months after joining HSBC Advance. Afterwards, if a customer's Total Relationship Balance (TRB) over the past three months is below HKD200,000 (or the equivalent in foreign currency), a below balance fee of HKD120 per month will be levied. For details of the calculation of TRB, please refer to the General Terms and Conditions. For details of the 3-month below balance fee waiver, please refer to Section (D) of the Promotional Terms and Conditions.
  • Please refer here for the definition of Total Relationship Balance. This offer is only applicable to any customer who successfully opens an Advance Account during the promotional period and fulfils the requirements of Total Relationship Balance Offer. Please refer to Section (A) of the Promotional Terms and Conditions for details.
  • This offer is only applicable to any customer who successfully opens an Advance Account and fulfils the requirements of Banking Products/Services Offer. Each customer can only receive one Banking Products/Services Offer for each of the product categories. Please refer to Section (B) of the Promotional Terms and Conditions for details.
  • This offer is only applicable to any customer who successfully opens an Advance Account and fulfils the requirements of Bonus Offer. Please refer to Section (C) of the Promotional Terms and Conditions for details.
  • This offer is only applicable to any customer who successfully opens an Advance Account and fulfils the requirements of Payroll Offer. Please refer to Section (D) of the Promotional Terms and Conditions for details.
Important Risk Warning
  • Some of the investment products are structured products which may involve derivatives. The investment decision is yours but you should not invest 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, Bonds, Certificates of Deposit (CDs), structured products (including Equity Linked Investments, Structured Notes, Deposit Plus, Structured Investment Deposits and Capital Protected Investment Deposits) are NOT equivalent to time deposits. Unit Trusts are investment products and some may involve derivatives.
  • The price of securities may move up or down and may become valueless. Losses may be incurred as well as profits made as a result of buying and selling securities.
  • In the worst case scenario, the value of the funds may be worth substantially less than the original amount you invested (and in an extreme case could be worth nothing).
  • Issuer's Risk - Bonds, CDs and structured products are subject to both the actual and perceived measures of credit worthiness of the issuer. There is no assurance of protection against a default by the issuer in respect of the repayment obligations. In the worst case scenario (e.g. insolvency of the issuer), you might not be able to recover the principal and interest / coupon, if applicable, and the potential maximum loss could be 100% of invested amount and no interest / coupon received.
  • Investors should not make investment decisions based on this material alone.
  • Investment involves risks. Past performance of investment products is no guide to future performance. For details of the investment product, the related fees and charges and risk factors, please refer to the individual product materials and/or offering materials.
  • 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 that exchange rate in which you made your original conversion to foreign currency and RMB, you may suffer loss in principal.
  • RMB denominated products are subject to liquidity risk as there may be no regular trading and active secondary market for RMB Income Instruments. The bid and offer spread of the price of RMB Income Instruments may be large, so investors may incur significant trading and realisation costs and may suffer losses accordingly.
  • Additional risks are disclosed in the "Risk Disclosure" section. Please refer to "Risk Disclosure" section for details.

Structured Investment Deposits, Deposit Plus, Capital Protected Investment Deposits and CDs are not protected deposits and are not protected by the Deposit Protection Scheme in Hong Kong. Deposit Plus is NOT principal protected.

The information in this document does not constitute a solicitation for making any deposit or investment in any products referred to herein. You should carefully consider whether any investment products or services mentioned herein are appropriate for you in view of your investment experience, objectives, financial resources and circumstances. This material has not been reviewed by the Securities and Futures Commission of Hong Kong.

Risk Disclosure

Unit Trusts

  • Funds which are invested in certain markets and companies (e.g. emerging, commodity markets and smaller companies etc) may also involve a higher degree of risk and are usually more sensitive to price movements.
  • Credit Risk/Interest Rate Risk - a fund that invests in fixed income securities may fall in value if interest rates change, and is subject to the credit risk that issuers may not make payments on such securities. Price of the fund may have a high volatility due to investment in financial derivative instruments and may involve a greater degree of risk than in the case with conventional securities.
  • Counterparty Risk - a fund will be exposed to credit risk on the counterparties with which it trades in relation to financial derivative instrument contracts that are not traded on a recognized exchange. Such instruments are not afforded the same protections as may apply to participants trading financial derivative instruments on organized exchanges, such as the performance guarantee of an exchange clearing house. A fund will be subject to the possibility of insolvency, bankruptcy or default of a counterparty with which a fund trades such instruments, which could result in substantial loss to a fund.

Bonds and Certificates of Deposit ("CDs")

  • Bonds/CDs are mainly for medium to long term investment, not for short term speculation. You should be prepared to invest your funds in bonds for the full investment tenor. You could lose part or all of your investment if you choose to sell your bonds/CDs prior to maturity.
  • The Bank provides indicative prices of bonds/CDs and the bonds/CDs prices may and/or do fluctuate when market changes. Factors affecting market price of bonds/CDs include, and are not limited to, fluctuations in interest rates, credit spreads, and liquidity premiums. The fluctuation in yield generally has a greater effect on prices of longer tenor bonds/CDs. There is an inherent risk that losses may be incurred rather than profit made as a result of buying and selling bonds/CDs.
  • It is the issuer to pay interest and repay principal of bonds/CDs. If the issuer defaults, the holder of bonds/CDs may not be able to receive back the interest and principal. The holder of bonds/CDs bears the credit risk of the issuer and has no recourse to the Bank unless the Bank is the issuer itself.
  • If you wish to sell the bonds/CDs purchased through the Bank, the Bank may repurchase them based on the prevailing market price under normal market circumstances, but the buying price may differ from the original selling price due to changes in market conditions.
  • There may be exchange rate risks if you choose to convert payments made on the bond/CDs to your home currency.
  • The secondary market for bonds/CDs may not provide significant liquidity or may trade at prices based on the prevailing market conditions and may not be in line with the expectations of holders of bonds/CDs.
  • If bonds/CDs are early redeemed, you may not be able to enjoy the same rates of return when you re-invest the funds in other investments.

Deposit Plus

  • Credit risk of the Bank - Deposit Plus is not secured by any collateral. When you invest in this product, you will be relying on the Bank's creditworthiness. If the Bank becomes insolvent or defaults on its obligations under this product, you can only claim as an unsecured creditor of the Bank. In the worst case, you could suffer a total loss of your deposit amount.
  • The net return in relation to Deposit Plus will depend upon market conditions prevailing at the deposit fixing time on the deposit fixing date. You must be prepared to incur loss as a result of depreciation in the value of the currency paid. Such loss may offset the interest earned on the deposit and may even result in losses in the principal amount of the deposit.

Renminbi ("RMB") Related Products

  • There may be exchange rate risks if you choose to convert payments made on RMB related products to your home currency.
  • RMB related products may suffer significant losses in liquidating the underlying investments if such investments do not have an active secondary market and their prices have large bid/offer spreads.
  • In general, RMB equity products are exposed to the usual kind of default risks that might be associated with equity products denominated in other currencies.

China A Shares

  • Investment in China A Shares through Shanghai-Hong Kong Stock Connect involves risks. You should carefully consider whether any investment products or services mentioned herein are appropriate for you in view of your investment experience, objectives, financial resources and relevant circumstances. The price of securities may move up or down. Losses may be incurred and profits may be made as a result of buying and selling securities.
  • Please refer to the China Connect/Shanghai-Hong Kong Stock Connect Terms and Conditions for further risk disclosure.

The general insurance policies are underwritten by AXA General Insurance Hong Kong Limited ("AXA"), which is authorised and regulated by the Commissioner of Insurance of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under your general insurance policy. The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Companies Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distribution of general insurance products in the Hong Kong SAR.

Join HSBC Advance
New customers
Existing customers

I am new to HSBC in Hong Kong

Simply maintain a minimum Total Relationship Balance (TRB) of HKD200,000 to enjoy the privileges that HSBC Advance brings to you.

Join us now and enjoy a waiver of the below balance fee for the first 3 months*.

Make an appointment now

Download application form (For overseas customers)  

*Customers can enjoy a waiver of the below balance fee for the first 3 months after joining HSBC Advance. Afterwards, if a customer's Total Relationship Balance (TRB) over the past three months is below HKD200,000 (or the equivalent in foreign currency), a below balance fee of HKD120 per month will be levied. The monthly below balance fee applies to each Integrated Account.


I am an existing HSBC customer in Hong Kong

Simply maintain a minimum Total Relationship Balance (TRB) of HKD200,000 to enjoy the privileges that HSBC Advance brings to you.

Join us now and enjoy a waiver of the below balance fee for the first 3 months*.

Personal Internet Banking users:


Log on to upgrade to HSBC Advance

Follow the simple steps below to complete the HSBC Advance upgrade process online:
  1. Log on to Personal Internet Banking and go to "Banking" section
  2. Click "Account Opening/Upgrade" on the left bar
  3. Click the "Upgrade now" button to proceed
  4. Follow the on-screen instructions to complete the application

Other users:


Call 2233 3722 or make an appointment to upgrade to HSBC Advance.

Alternatively, you can register for Personal Internet Banking and follow the steps above to upgrade to HSBC Advance online.

*Customers can enjoy a waiver of the below balance fee for the first 3 months after joining HSBC Advance. Afterwards, if a customer's Total Relationship Balance (TRB) over the past three months is below HKD200,000 (or the equivalent in foreign currency), a below balance fee of HKD120 per month will be levied. The monthly below balance fee applies to each Integrated Account.