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A combination safe lock for a safe box; image used for HSBC Australia Term Deposit Accounts page.

Term Deposit Accounts

A term deposit account with a fixed rate for your short or long term investment

Why choose a Term Deposit account?

HSBC Australian Dollar term deposits offer fixed interest rates for your chosen long or short term. Apply for your term deposit account online.
  • Fixed interest rate, minimum balance AUD$5000
  • Select the terms to suit you ranging from 1 month to 5 years
Other fees and charges may apply. See our Transaction and Savings Accounts Terms (PDF, 1.10 MB).

Rates & Fees:

  • $0 establishment and ongoing fees
  • $30 early withdrawal fee
  • Interest reduction for early termination1

Ways to open:

Branch, Online (for existing account holders)

Features & Benefits

Fixed Rates and Terms

Have the certainty of a fixed interest rate with a minimum balance of AUD$5,000. HSBC Term Deposits of up to $250,000 are covered by the Financial Claims Scheme.

Terms range from as short as 1 month to a long as 5 years. Choose an interest payment frequency to suit your needs: monthly, quarterly, annually or at maturity.

Important Information: There is no maximum Term Deposit amount. If no re-investment instructions have been received HSBC will auto roll the Term Deposit for the same period, at the prevailing rate for that day. Fees and charges apply if the Term Deposit is broken mid-term, refer to the 'Transaction and Savings Accounts Terms (PDF, 1.10 MB)' for full details.

Open online

As an existing HSBC customer, you can open an HSBC Term Deposit instantly online within HSBC Online Banking for terms 1 to 12 months

Build your savings

  • Choose for your interest to be re-invested or paid into your account including the ability to re-invest partial interest only
  • Competitive interest rates
  • No account or application fees
  • Choose an interest payment frequency to suit your needs: monthly, quarterly, annually or at maturity
  • Maturity reminders are conveniently sent to you securely via the Contact Centre within Online Banking (You must be registered for Online Banking)
  • Also available in major foreign currencies

Other fees and charges may apply.

Current Special Interest Rate Offers2

Current Special Interest Rate Offers2 for Term Deposit accounts
Term
Interest Paid Monthly
Interest Paid at Maturity
3 Months
0.10% p.a.
0.35% p.a.
6 Months
0.10% p.a.
0.35%p.a.
12 Months
0.35% p.a.
0.60%p.a.
Current Special Interest Rate Offers2 for Term Deposit accounts
Term
3 Months
Interest Paid Monthly
0.10% p.a.
Interest Paid at Maturity 0.35% p.a.
Term
6 Months
Interest Paid Monthly
0.10% p.a.
Interest Paid at Maturity 0.35%p.a.
Term
12 Months
Interest Paid Monthly
0.35% p.a.
Interest Paid at Maturity 0.60%p.a.

2 Special Interest Rate Offers valid as at 16 November 2020 (and subject to change)

Account Interest Rates

Account Interest Rates for Term Deposit accounts. Interest Rates Paid Annually/Maturity
Term
$5,000+
1 Month
0.10% p.a.
2 Months
0.10% p.a.
3 Months
0.35% p.a.
4 Months
0.40% p.a.
5 Months
0.35% p.a.
6 Months
0.35% p.a.
7 Months
0.35% p.a.
8 Months
0.35% p.a.
9 Months
0.35% p.a.
10 Months
0.35% p.a.
11 Months
0.35% p.a.
12 Months / 1 Year
0.60% p.a.2
15 Months
0.50% p.a.
18 Months
0.55% p.a.
2 Years
0.60% p.a.
3 Years
0.65% p.a.
4 Years
0.70% p.a.
5 Years
0.80% p.a.
Account Interest Rates for Term Deposit accounts. Interest Rates Paid Annually/Maturity
Term
1 Month
$5,000+ 0.10% p.a.
Term
2 Months
$5,000+ 0.10% p.a.
Term
3 Months
$5,000+ 0.35% p.a.
Term
4 Months
$5,000+ 0.40% p.a.
Term
5 Months
$5,000+ 0.35% p.a.
Term
6 Months
$5,000+ 0.35% p.a.
Term
7 Months
$5,000+ 0.35% p.a.
Term
8 Months
$5,000+ 0.35% p.a.
Term
9 Months
$5,000+ 0.35% p.a.
Term
10 Months
$5,000+ 0.35% p.a.
Term
11 Months
$5,000+ 0.35% p.a.
Term
12 Months / 1 Year
$5,000+ 0.60% p.a.2
Term
15 Months
$5,000+ 0.50% p.a.
Term
18 Months
$5,000+ 0.55% p.a.
Term
2 Years
$5,000+ 0.60% p.a.
Term
3 Years
$5,000+ 0.65% p.a.
Term
4 Years
$5,000+ 0.70% p.a.
Term
5 Years
$5,000+ 0.80% p.a.

Interest Rates current as at 16 November 2020 (and subject to change)

If you would like to receive your interest payments on a monthly or quarterly basis, the applicable interest rates will be 0.25% p.a. (monthly) or 0.15% p.a. (quarterly) less than the rates paid annually/maturity quoted above, excluding rates for 1 month which are the same as in the table above

Apply for a Term Deposit Account

Existing HSBC Online Banking customers

Log on to Online Banking and complete the application form

Not an HSBC Customer?

If you currently don't already have an HSBC account visit your local branch to open a Term Deposit


Make an online enquiry

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You should tell us what you want to do with your term deposit at least 2 days before its maturity date. If you do not, we will renew the deposit for the same term at the applicable interest rate on the date of maturity. If the term deposit automatically renews, you may receive a lower interest rate on the new term deposit than the original interest rate earned. Please refer to our standard interest rates.

  1. If you withdraw money before the end of the fixed term, the interest you receive for that deposit will only be 50% of the interest that you’re entitled to up to the date you’re making the withdrawal, and an administration fee will apply.
  2. Any special offer applies for a single term only. Different rates may apply for subsequent terms. This special offer is not available in conjunction with any other bonus interest or special rates offered on HSBC Term Deposits.

Other banking services fees and charges may apply. Please refer to the Transaction and Savings Accounts Terms (PDF, 1.10 MB). This advertisement provides general advice only and doesn't take into account your objectives, financial situation or needs. Consider the Personal Banking Booklet (PDF,1.5MB), Transaction and Savings Accounts Terms (PDF,1.10MB). and Financial Services Guide (PDF, 906 KB) before acquiring this product, available by calling 1300 308 008, at your local branch or www.dentalaed.com. Issued by HSBC Bank Australia Limited ABN 48 006 434 162. AFSL 232595.

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