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A man is using mobile phone to open a bank account; image used for HSBC Personal Integrated Account offer

Personal Integrated Account

Banking 24/7 is easier with an all-in-one account and no minimum balance fees.

We will no longer accept any new application for Personal Integrated Account from 27 Oct 2020 as we have launched a new enhanced integrated account – HSBC One, to meet your everyday banking needs. HSBC One does not have any minimum balance requirements or monthly account fees.

For existing Personal Integrated Account holders, you may apply to convert your account to HSBC One effective from 29 Oct 2020.

One account for all your banking needs

Presenting an all-in-one account with convenient self-service banking and the latest financial tools.

  • No minimum balance requirements or monthly account fees
  • An all-in-one account consolidating savings, foreign currencies, time deposits and investments, you can view your finance in one statement
  • Manage your account and perform transactions using mobile banking, online banking, express banking, over the phone and in the branch
Group of young people with smart phone; image used for at your integrated account service 24/7.

At your service 24/7

Check your balances, make transfers or pay bills at the click of a button on your mobile phone.

Anytime you need support, our agents are available via call or live chat 24/7 to help you with any queries. 

A Couple is looking at tablet in bedroom; image used for personal integrated account page.

Start building your wealth

Apart from just earning interest on your savings, you’ll also be able to invest in stocks, trade currencies, take out insurance or apply for loans and mortgages – all from one bank account. 

Hipsters blowing confetti; image used for earning online spending rewards with integrated account.

Earn online spending rewards

With the HSBC Red Credit Card, earn RewardCash rebates of 4% for online purchases, 2% at supermarkets and 1% for all other local and overseas purchases. 

Make the most of your account with our convenient apps


Manage your finances on the go

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Hong Kong's social payment app lets you pay anyone instantly.


SVF License Number: SVFB002


Trade stocks with our mobile app


Note: The app has been specially built for our Hong Kong customers. You must be an investment account holder to use this app. 


Explore latest offers and rewards

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


  1. No minimum balance fee for Personal Integrated Account and HSBC One account.
  2. The promotional period for this offer is from 21 May 2020 to 31 October 2020. Terms and Conditions apply.
  3. There is no charge from us if you pay money to, or receive money from accounts from other banks via FPS or RTGS, but other banks may have different charging policies.
  4. There is service fee for international account opening through International Banking Centre. For details, please refer to the Bank Tariff Guide or contract IBC staff for details. 
  5. The SMIP Offer is effective from 28 June 2010 until further notice (the "Promotional Period"). Customers can enjoy the brokerage fee waiver, inclusive of standard brokerage fee of 0.25% and all transaction related charges: Securities and Futures Commission transaction levy, Hong Kong Exchanges and Clearing Limited trading fee and stamp duty, deposit transaction charge and Central Clearing and Settlement System fee. The SMIP Offer is applicable to all new and existing investment customers of HSBC who have any existing SMIP or set up a new SMIP during the Promotional Period through any channel (including branches). Terms and Conditions apply.
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