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Fixed Term Deposit

Choose to save for a fixed period of time that suits your personal circumstances

Fixed term savings that put you in control

A Fixed Term Deposit is available in a choice of 19 currencies for a fixed period of time that you choose, to suit your individual requirements. 


  • Get the latest interest rate

    Benefit from interest rates that track the market. Interest rates vary daily so please refer to our interest rates tool for indicative rates.

  • Choose from a range of 19 global currencies

    Save in a currency of your choice, that best meets your needs.

  • Save for a fixed term between 1 month and 12 months

    Enjoy the flexibility of saving for a period of time that you choose.

  • Hassle free reinvestment

    At the end of the term, your deposit will be automatically renewed for the same period, unless you tell us otherwise.

Interest rates

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

Choose from the following currencies

Currency code Currency
AED UAE dirham
AUD Australian dollar
CAD Canadian dollar
CHF Swiss Franc
CNY Chinese renminbi
DKK Danish krone
EUR Euro
GBP Pound sterling
HKD Hong Kong dollar
HUF Hungarian forint
JPY Japanese yen
NOK Norwegian krone
NZD New Zealand dollar
PLN Polish zloty
SEK Swedish krona
SGD Singapore dollar
THB Thai baht
USD US dollar
ZAR South African rand

Choose from the following currencies

Currency code AED
Currency UAE dirham
Currency code AUD
Currency Australian dollar
Currency code CAD
Currency Canadian dollar
Currency code CHF
Currency Swiss Franc
Currency code CNY
Currency Chinese renminbi
Currency code DKK
Currency Danish krone
Currency code EUR
Currency Euro
Currency code GBP
Currency Pound sterling
Currency code HKD
Currency Hong Kong dollar
Currency code HUF
Currency Hungarian forint
Currency code JPY
Currency Japanese yen
Currency code NOK
Currency Norwegian krone
Currency code NZD
Currency New Zealand dollar
Currency code PLN
Currency Polish zloty
Currency code SEK
Currency Swedish krona
Currency code SGD
Currency Singapore dollar
Currency code THB
Currency Thai baht
Currency code USD
Currency US dollar
Currency code ZAR
Currency South African rand

Additional information

  • Interest is calculated daily and paid at maturity
  • At the end of the term, your deposit will be automatically renewed for the same period, unless you tell us otherwise
  • Charges apply if you make a withdrawal prior to the maturity of your Fixed Term Deposit1


You must be an existing HSBC Expat customer before you can apply.

You'll need to maintain a minimum balance of GBP 5,000, USD 5,000, EUR 10,000 or GBP 10,000 currency equivalent for other currencies in your Fixed Term Deposit account.

Things you should know

Please read the HSBC Expat Terms and Conditions before applying for an HSBC Fixed Term Deposit.

How to apply

HSBC Expat customers

To apply for a Fixed term Deposit, simply log on to your existing online banking account and follow the onscreen instructions.

Understanding offshore savings accounts

Your Expat accounts will be held in Jersey, Channel Islands, a secure offshore jurisdiction and one of the world's leading and best-regulated international finance centres as recognised by the Organisation for Economic Cooperation and Development (OECD).

New to HSBC Expat

You can apply for a Fixed Term Deposit once you have opened an HSBC Expat Bank Account with us.

1There is a £50 charge payable for early closures, plus any additional costs to HSBC of funding the repayments. Partial withdrawal of funds is not permitted. Depending on when the withdrawal is made and the amount deposited, you may get back less than originally invested.

Fixed Term Deposits may occasionally be unavailable in certain currencies due to public holidays.

Interest rates are quoted for indication purposes only and are subject to variation.

AER (Annual Equivalent Rate): This is a notional interest rate which illustrates what the gross rate would be if interest were paid and compounded each year. 
Gross: The interest rate before the deduction of tax applicable to interest on savings accounts.

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 Depositor Compensation Scheme. The Scheme offers protection for eligible deposits of up to GBP 50,000. The maximum total amount of compensation is capped at GBP 100,000,000 in any 5 year period. Full details of the scheme and banking groups covered are available on the States of Jersey website or on request. Deposits and investments made with our office in Jersey are not protected by the rules made under the UK's Financial Services and Markets Act 2000, including the Financial Services Compensation Scheme, and the UK's Financial Ombudsman Service.

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