HSBC Direct

P.O. Box 4045
NY 14240-4045

Deposit Rates APY Vs.Others
Savings N.A. 5.50% →
1-Year CD N.A. 4.80% →
2-Year CD N.A. 4.25% →
3-Year CD N.A. 4.10% →
4-Year CD N.A. 3.90% →
5-Year CD N.A. 4.00% →

Deposit Rates - November 12, 2024

Bank Offers

HSBC Relaunches US Online Savings Accounts
Jul 10, 2018

HSBC, the major London-based conglomerate, has relaunched an online banking product in the US.   After recently being active in the US through the HSBC Advance moniker, they have opted to go back to HSBC Direct which they used in the early 2000s.   Their online savings rate is 1.70% (hint: you will find better online savings rates here).    You can learn more about HSBC here.


HSBC Drops Online Savings Rate from 1.60% to 1.30% APY
May 26, 2020

HSBC has dropped its onine savings rate to 1.30% APY.   The rate may not be available in all states.




Climate Policy and Initiatives

HSBC Direct is encouraged to provide us with this information. When we receive this information from the online bank, we will provide it here.



Customer Reviews for HSBC Direct


  • October 8, 2018

    Their promotional rate is just for a limited time and afterward their rate go down to close to 0.1% or so. For a consistently higher rate, look for more decent bank like CapitalOne360 or Discover.

  • August 18, 2018

    Online Savings Rates

    I opened an account here 2 weeks ago and then walked by a branch and saw that they are paying more there. I assumed the rate for online accounts had increased to the same, but it did not.


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