Everyday Global Account

HSBC Malaysia
Accounts
Everyday Global

Time/Term Deposit/-i rate
Premier customers	Premier customers with TRB of RM3,000,000 or above
4.00% p.a.	4.18% p.a.

Time/Term Deposit/-i rate
Premier customers	4.00% p.a.
Premier customers with TRB of RM3,000,000 or above	4.18% p.a.

Experience everyday convenience no matter where you are

Enjoy borderless convenience for you and your loved ones this festive season with HSBC Everyday Global Account. The all-in-one bank account for your everyday needs here in Malaysia and overseas.

With up to 11 currencies all in one account, for you and your loved ones' everyday needs anytime, anywhere.

eWelcome Pack

An everyday account for everyday rewards, every step of the way.

Enjoy outstanding value with the HSBC Everyday Global Account¹, your global all in one bank account in your pocket that's ideal for:

Everyday rewards

Unlock everyday rewards and enjoy more savings.
Everyday banking

Pay bills, deposit & transfer your salary with the convenience of a single account with zero account fees.
Multicurrency convenience

Buy, save, transfer and spend in 11 currencies including RM.
Shop and travel

Flexibility to pay like a local in the 11 currencies with no hidden fees².

Australian Dollar (AUD), Canadian Dollar (CAD), Euro (EUR), Great Britain Pound Sterling (GBP), Hong Kong Dollar (HKD), Japanese Yen (JPY), Ringgit Malaysia (RM), New Zealand Dollar (NZD), Saudi Riyal (SAR), Singapore Dollar (SGD), United States Dollar (USD).

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New to HSBC

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Existing customers

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For foreigners in Malaysia

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How your Everyday Global Account can help you in every way

Everyday rewards

Save more with discounts when you use your debit card here and around the world

I'm interested to everyday rewards

Everyday banking

Get more mileage when you pay bills, deposit & transfer your salary:

RM0 monthly account fee and no minimum balance
RM0 debit card issuance and annual fees
Pay bills easily via Online and Mobile Banking with JomPay to over 5,000 billers
Make payments and receive funds in 11 currencies within 1 account
Manage, view and make online transfer to all your worldwide HSBC personal accounts instantly with Global Transfers³

I'm interested to everyday banking

Multicurrency convenience

Switch currencies like time zones where you can buy, save, transfer and spend in 11 currencies, anywhere, anytime in one account:

Access competitive real-time rates
Transfer currencies within your account instantly
24/7 access to your currencies

I'm interested to multicurrency convenience

Shop and travel

Carry your global account in your pocket 24/7. The Everyday Global multicurrency debit card is perfect for:

Online or in-store shopping using local currencies anywhere in the world without transaction fees²
Cash withdrawals in the local currency at ATMs around the world without any conversion fees²
Topping up your account on the go anytime with 24/7 Online and Mobile Banking

I'm interested to shop and travel

At your service 24/7

Manage your account easily with our Mobile App. Check your account balances, make local transfers and foreign currency conversion or pay bills 24/7.

International Banking

With our global presence and intimate local knowledge, we can support all your international banking needs. Whether you're relocating or planning to invest in Malaysia, we're here to help with all your global finances.

Apply online in minutes

New to HSBC

Open a new bank account online with us in just 3 simple steps.

Select account and apply instantly for HSBC account

Existing customers

Leave us your contact details and we will be in touch with you.

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International customers

For foreigners in Malaysia, please leave your contact details and we will be in touch with you.

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For new customers, it only takes 3 steps to apply for an account online

Select your account and apply

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HSBC Everyday Global Account

No minimum balance requirement

Instant apply to HSBC Everyday Global Account This link will open in a new window

HSBC Advance Everyday Global Account

Min Total Relationship Balance⁴ of RM30,000 or sign up for an HSBC Home Loan of RM300,000 and above

Advance Managers to help plan your financial goals
Instant global transfers⁴ between HSBC accounts worldwide
Priority service for branch counter services

You’re eligible for an HSBC Advance account if one of the following is true:

Your Minimum Total Relationship Balance⁴ of RM30,000 or sign up for an HSBC Home Loan of RM300,000 and above

An HSBC Advance Account fee of RM10 (and applicable tax, if any) will be applied for the month you do not meet the Advance eligibility criteria.

Instant apply HSBC Advance Everyday Global Account This link will open in a new window

HSBC Premier Everyday Global Account

Total Relationship Balance⁴ of at least RM300,000

Dedicated Premier Relationship Manager to help manage your personal finances
HSBC Premier status recognition in all countries where you bank with HSBC
Instantaneous, fee-free international fund transfers between your HSBC accounts
Zero ATM withdrawal fees when you withdraw cash from the List of Overseas HSBC ATM

There are several ways to qualify for HSBC Premier, including:

Primary Eligibility Criteria-Total Relationship Balance⁴ of at least RM300,000 at all times
Premier Mortgage⁵ - Minimum home financing of RM1,000,000
Premier Payroll⁷ - Minimum monthly salary of RM20,000 credited continuously each month into HSBC/HSBC Amanah Account/-i in Malaysia.

A HSBC Premier Account fee of RM150 (and applicable tax, if any) will be applied for the month you do not meet the Premier eligibility criteria.

Instant apply to HSBC Premier Everyday Global Account This link will open in a new window

Click here if you need tips to complete your application form.

Frequently asked questions

Read full FAQ Click to accounts faq page

Important information

Disclaimer:
All payments and transfers are required to comply with Bank Negara Malaysia’s Foreign Exchange Policy (FEP) requirements. Customers are advised to review the FEP guidelines and ensure that all transactions adhere to the regulations. HSBC Malaysia reserves the right to decline investments that do not meet the FEP criteria. For more information, please refer to our FEP guide. 

Application Declarations

HSBC Bank Malaysia Berhad 198401015221 (127776-V). Member of Perbadanan Insurans Deposit Malaysia.

¹Protected by Perbadanan Insurans Deposit Malaysia up to RM250,000 for each depositor. The supported Foreign Currency Accounts will be opened automatically by the following working day.

²Applicable to successful overseas retail purchases, online shopping and cash withdrawals transactions performed with HSBC Everyday Global Visa Debit Card under the supported currencies only. Transactions in foreign currency will be debited directly from the corresponding supported foreign currency credit balances and will not attract any foreign currency exchange conversion fees. If there are insufficient funds in the account or transaction is performed on a non-supported foreign currency, the entire foreign currency transaction amount will be deducted from the MYR credit balances, subject to conversion to MYR at the prevailing exchange rate as determined by VISA International respectively, and applicable fees and charges. The transaction will be declined if there are insufficient funds in the MYR credit balances.

³For HSBC Premier or HSBC Advance customers only. Subject to destination country's local regulation and HSBC internal policy requirement. HSBC Premier and HSBC Advance customers enjoy zero transfer fees. Instant foreign currency to foreign currency exchange transfer is available 24 hours 7 days. Transfer involving Ringgit Malaysia is from Monday to Friday 9.30am to 3pm. If you perform any transfer outside those hours, the actual amount to be debited will be based on the next business day's exchange rate.

⁴Total Relationship Balance includes any: Deposits in Current Account, Savings Account, Time Deposits, Term Deposits, and/ or investments in Unit Trust Funds/ Shariah-compliant Unit Trust funds, Structured Investments, Dual Currency Investments and/or Direct Retail bond, and/or Cash value from Family Takaful/Life Insurance products with Investment-linked and savings components.

⁵Account Fee waiver for the first 12 months from joining HSBC/HSBC Amanah Premier Mortgage. Starting from 13th month you are required to meet the primary eligibility criteria.

⁶HSBC New to Bank Premier Time / Term Deposit/-i Promotion Q4 2024 Terms and Conditions. Promotion period from 1 October 2024 to 31 December 2024. This promotion is open to new to bank HSBC Premier customers. All time deposit (TD/-i) placements must be made with new funds by the eligible customers under this promotion and completed within the promotion period. The minimum single TD/-i placement amount is MYR50,000. The maximum TD/-i placement limit for each eligible customer is up to MYR150,000 for HSBC Premier customers and MYR1,000,000 for HSBC Premier Elite customers. No interest shall be payable in the event that the time deposit placement is withdrawn prior to the maturity of the placement, whether wholly or partially, regardless of the number of completed months at the time of premature withdrawal. The total TD/-i placements capping amount for this promotion is RM100 million or equivalent, which is pooled together with the “HSBC Amanah New to Bank Premier Term Deposit-i Promotion Q4 2024”. HSBC Bank is the sole provider for this promotion. Promotional rates are subject to Overnight Policy Rate revision.

⁷Minimum monthly salary of RM20,000 credited continuously into HSBC/HSBC Amanah Account/-i in Malaysia for the first 12 months from joining HSBC/HSBC Amanah Premier Payroll. Starting from 13th month you are required to meet the primary eligibility criteria.

Earn up to 4.18% p.a. interest by placing a 6-month Time / Term Deposit/-i (TD/-i)

Experience everyday convenience no matter where you are

An everyday account for everyday rewards, every step of the way.

Available currencies :

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International Customers