Earn a promotional offer rate on New Funds

Want more for your money? Transfer at least 5,000 GBP or USD into your Expat account, then open a Fixed Term Deposit in the HSBC Expat Mobile Banking app within 7 days. Choose a 3, 6 or 12-month term and we'll confirm your eligible New Funds before you apply. T&Cs and eligibility criteria apply.

Find out more


Interest rates tool

Compare our range of savings accounts for expats. Filter and sort to see interest rates in your chosen currency.

  • Promotional rates are available in the mobile app. Please see Fixed Term deposits at the bottom menu of the home page, in the mobile app.
  • Our rates can change several times daily and the interest rate tool is for indication purposes only.
  • Potentially higher rates may be available for amounts over £1,000,000 (or currency equivalent).

New to HSBC Expat?

  • Whether you're living abroad, or have other international banking needs, our Expat Bank Account is your passport to better global banking.

Explore our Expat bank account

How interest is calculated and paid

  • Rates last updated on
  • The frequency of interest payments and the requirements to earn interest vary by account. Please click "Find Out More" on any of the products to learn more about how interest is calculated.
  • If funds are paid into the account after midday they will be processed the next working day at the prevailing rate.
  • Interest on sterling accounts is calculated on a 365 day basis. Interest on most other currency accounts (including US dollars and euro) is calculated on a 360 day basis.
  • AER (Annual Equivalent Rate) is a notional rate, which illustrates what the credit interest rate would be if interest were paid and compounded each year. Gross interest is the rate before the deduction of tax.
  • Interest is paid gross without the deduction of tax. It is your responsibility to report earnings to the appropriate tax authorities. However, all the interest you earn from your accounts may be subject to reporting to relevant tax authorities.

HSBC Expat is a participant in the Jersey Bank Depositors Compensation Scheme. The Scheme aims to provide protection for eligible depositors of up to £50,000. For further information please visit http://www.jrdca.org.je/jdcs. Deposits made with HSBC Expat are not protected by the rules made under the UK's Financial Services and Markets Act 2000 for the protection of retail clients, including the UK Financial Services Compensation Scheme and the UK's Financial Ombudsman Service. Deposits made with our office in Jersey are not protected deposits under the Hong Kong Deposit Protection Scheme and are not protected by such scheme.

This website is provided by HSBC Bank plc, Jersey branch. If you are outside of Jersey, we may not be authorised to offer or provide you with the products and services available through this website in the country or region you are located or resident in. Cross-border disclosure.