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Online Bonus Saver

An online only savings account that gives you easy access to your money anytime via online banking

Enjoy bonus interest when you don't make a withdrawal

Enjoy the convenience and flexibility of an online savings account with easy access. Manage your savings online in a choice of major currencies, wherever you are in the world.


  • Earn bonus monthly interest if you make no withdrawals

    Bonus interest is paid for any calendar month in which you make no withdrawals.

  • Earn standard rate of interest even if you make withdrawals

    If you need to make a withdrawal you'll still be paid the standard interest rate regardless of withdrawals.

  • Easy online access

    Our online savings account gives you easy access to your money, any time of the day.

  • Manage your savings from anywhere

    Wherever you are in the world, you'll be able to manage your savings account and watch your savings grow.

Additional information

  • Interest is calculated daily and paid monthly into your account
  • Interest earned in a calendar month will be applied to your Online Bonus Saver on the first working day of the next calendar month. Where the first day of the month is not a working day then the interest amount will include any interest accrued up to (but not including) the first working day of the month
  • No interest is payable if the balance falls below the minimum account opening balance

Interest rates

Currency Standard rate (AER/Gross)
Bonus rate (AER/Gross)
GBP up to 0.35% up to 1.00%
USD up to 0.60%
up to 1.36%
EUR up to 0.00%
up to 0.01%

Interest rates

Currency GBP
Standard rate (AER/Gross)
up to 0.35%
Bonus rate (AER/Gross)
up to 1.00%
Currency USD
Standard rate (AER/Gross)
up to 0.60%
Bonus rate (AER/Gross)
up to 1.36%
Currency EUR
Standard rate (AER/Gross)
up to 0.00%
Bonus rate (AER/Gross)
up to 0.01%

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.


You must be an existing HSBC Expat customer and registered for online banking before you can apply for an Online Bonus Saver Account.

You'll need to maintain a minimum balance of GBP 5,000, USD 5,000 or EUR 5,000 in your Online Bonus Saver account.

Things you should know

Please read the HSBC Expat Terms of Business before applying for an HSBC Online Bonus Saver Account.

How to apply

HSBC Expat customers

To apply for an Online Bonus Savings Account, simply log on to your existing online banking account and follow the onscreen instructions.

New to HSBC Expat

You can apply for an Online Bonus Saver Account once you have opened an HSBC Expat Bank Account with us.

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).

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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