High APY and low fees, Best For: Please read our Privacy Statement and Terms & Conditions. Review the details of your account and apply quickly and easily with the click of a mouse. This article contains references to products from our partners. The HSBC Direct Online Savings Account is similar to other high-yield savings accounts in that respect, with its competitive APY. Some accounts come with high maintenance fees, but HSBC might be a good fit for consumers looking for an online savings account with a global bank. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. HSBC Direct Savings Account The bank's standout savings account, the Direct Savings account offers the bank's most competitive rate. In fact, don't even expect a debit card. Apply Now. Even though HSBC is a brick-and-mortar bank located throughout the U.S., they aren't everywhere. Customer Service. APY. HSBC Online Savings (Transaction Account / Debit Card): 3.6 out of 5 stars from 11 genuine reviews on Australia's largest opinion site ProductReview.com.au. Before you apply for a personal loan, here's what you need to know. Online savings accounts often have an advantage when it comes to interest rates, allowing them to outpace what traditional banks offer. You can open a savings account in an HSBC branch, but as of this writing, the bank's other savings accounts have APYs ranging from just 0.01% to 0.15%. FDIC insured: To be clear, this should be a feature you look for with any savings account you consider, but it's important to mention that the HSBC Direct Savings account is FDIC insured to the maximum amounts allowed by law. Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. $0. HSBC Direct Savings is an online-only account, but HSBC also has over 200 branches nationwide. Profit. Here's how it works: Maintain a minimum balance of $25k OR make at least a $100 minimum deposit every month. See the range of savings accounts available to HSBC customers, as well as some guidance to get you started. The Ascent is reader-supported: we may earn a commission from offers on this page. HSBC Direct Savings Review HSBC Direct Savings is an excellent, low-cost, and high-return option for both established savers and people who are just getting started. Help your money grow with 1.00% AER/gross, fixed for 12 months. Explore our picks of the best brokerage accounts for beginners for January 2021. Synchrony will refund ATM fees for other banks up to $5 per statement cycle, Mon-Fri 8:00 am - 10:00 pm (ET); Sat-Sun 8:00 am - 5:00 pm (ET), HSBC Advance Checking - Up to $240 Cash Bonus, Banks With Free Checking and No Minimum Balance, Access to 16,000 Chase ATMs and nearly 4,900 branches. I cover the intersection of money, career, and entrepreneurship, 0.20% to 0.60% APY. Receive direct deposits HSBC also gives its members the capability to connect their online savings account to any (and multiple) checking accounts, regardless of what other banks they are with. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team. Marcus: Information including rates, fees, terms, and benefits was obtained on December 26, 2020 from published websites and is believed to be accurate, but not guaranteed. The Ascent is a Motley Fool service that rates and reviews essential products for your everyday money matters. The HSBC Direct Savings Account interest rate is higher than the national average, but you can still find a higher APY at other online banks. Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. HSBC is a reputable bank in Canada that offers a suite of savings and investment products. You get the benefit of around-the-clock banking combined with attractive APYs. Everything You Need to Know About Savings, Copyright, Trademark and Patent Information. Log on to review Log on to review Log on to review How to review and update your address, phone number, and email address Reviewing and updating your personal details can easily be done through HSBC Online banking. It will do this after 12 … ATM/debit card access: Unlike some other online-based savings accounts, there's no ATM card or debit card of any kind available with the HSBC Direct Savings account. Today, many people don't even have savings accounts any longer. Save up to £20,000 in the 2020/21 tax year with our cash or stocks and shares ISAs 1. This is a basic online savings account without any bells and whistles. Discover Online: Discover offers an online savings program with a high APY, no minimum balance requirement, and no monthly fee. Their APYs range from 0.01% to 0.15%. Low APY: The HSBC Direct Savings account currently offers a 0.30% APY (annual percentage yield) which doesn't compete with the best interest rates offered by high-yield savings accounts. It is a good account … While it won't get you rich quick, it does offer a healthy APY to help encourage you to keep funding that emergency fund. Mobile check deposit: You can use the HSBC mobile app to make check deposits into your account, and to move money between accounts. HSBC vs Synchrony: Synchrony also offers a high yield online savings account with minimal fees. You are then free to make transfers or withdraw funds as you see necessary. It is the world's sixth largest bank. All rights reserved. HSBC is one of the largest banks in the world, with physical branches all over the globe. Compare HSBC savings accounts. I’ll review HSBC Bank Direct Savings below. The brick-and-mortar division of HSBC has low-rate accounts with fees that require some customer effort to waive, while HSBC Direct offers no-fee checking and high-yield savings … APY: Apply Now. HSBC Direct Savings is a great, low-hassle account offering one of the most competitive APYs (0.15%) in the industry today. You can connect the accounts, making online transfers a breeze. If you have a current HSBC account, such as an HSBC Choice or HSBC Advance Checking, opening an account is even easier. We do receive compensation from some partners whose offers appear on this page. These results are based on a regular saver in NSW with $10,000 in current savings. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Regular Savings Account . Live chat: HSBC offers live chat assistance to customers, which can be a major time-saver, as opposed to waiting on hold to speak with a customer service representative. Likability with checking account. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. About CreditDonkey CreditDonkey is a bank comparison website. You'll often find your highest interest rates online, such as is the case with the HSBC Direct Online Saving account. Branch access: Despite the fact that HSBC has more than 200 U.S. branches, the HSBC Direct Savings account is online-only, meaning you can't walk into a branch and open a high-yield savings account. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. The Ascent does not cover all offers on the market. According to the HSBC website, it's 22 times higher than the national average rate paid to savers. You can unsubscribe at any time. Write to Kim P at feedback@creditdonkey.com. We may receive compensation if you shop through links in our content. If you're considering opening a personal checking or savings account, you must check out these bank promotions. She also writes for The Ascent's parent company, The Motley Fool. They focus on investing, but forget about the liquidity necessary for emergencies. Review of: HSBC Savings | Reviewed by: Chris Muller | Last modified: May 12, 2020 Editor's note - You can trust the integrity of our … HSBC Direct Savings is an online-only savings account offered by HSBC, the massive international bank. Terms of 3 months to 10 years. No monthly service fee and no minimum deposit. You can open a savings account in an HSBC branch, but as of this writing, the bank's other savings accounts have APYs ranging from just 0.01% to 0.15%. If you have been looking around for an online savings option that will earn you money back, this could be a great choice. However, deposits into savings accounts count toward the overall balance for waiving maintenance fees on checking products. HSBC has more than 40 million customers across the world. $25k or $100 monthly deposit for highest tier, Min. The HSBC Direct Savings account is best for those who bank online and want a high-yield savings account. Connecting your savings account to an external checking account is the best and fastest way to transfer liquid funds because yo… Choose the savings account that's right for you No matter what you're saving for, HSBC has a variety of savings accounts to help you reach your goals quickly and … The HSBC Direct Savings account has a lot going for it, not just its high-interest rate of 2.25% that lets your money grow more than it will at your local bank or credit union. Keep in mind, though, since it's a savings account, you can't make more than six withdrawals in one cycle per FDIC rules. Synchrony does offer an ATM card connected to the savings account, which can make deposits and withdrawals easier with this online savings account. It earns the same 0.01% APY as an Everyday Savings account on balances up to $14,999.99, but the rate bumps up to 0.05% if the balance is … Synchrony Bank: Pricing information from published website as of 1/1/2021. Kailey has been writing about banks, credit cards, loans, and all things personal finance since 2012. We may receive compensation if you apply or shop through links in our content. Once you are approved, you fund your account with funds from your connected account. HSBC Direct Savings is an online-only account, but HSBC has over 200 branches nationwide, so the bank could be a good fit if you want the option to speak with a banker face-to-face. Her work has appeared on USA Today, CNN Money, Fox Business, and MSN Money. Are you tired of abysmal interest rates on your savings accounts? HSBC - 240+ branches, mostly on the West and East coasts, Monday - Saturday: 8:00 am - 10:00 pm (ET), 0.20% to 0.85% APY. An ATM card is provided for easy withdrawal. $1, Min. Master your credit card game, build your credit score, and more. After 20 years as a regular HSBC client (with no problems other than the disappearance of many HSBC ATM machines in NYC) I've encountered 2 recent problems with HSBC false ads and impossible procedures. HSBC Bank (Member FDIC) has an online-only savings account with no monthly service fees. Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device. Savings accounts. Premier Savings Account included: When you open an HSBC Premier Checking Account, you're also opening an HSBC Premier Savings Account at the same time. In this HSBC Savings Account review, we'll … You do everything online from start to finish.If you have a current HSBC account, such as an HSBC Choice or HSBC Advance Checking, opening an account is even easier. HSBC: Data points including rates, fees, terms, and benefits was obtained on December 20, 2020 from published websites and is believed to be accurate, but not guaranteed. HSBC Serious Sav account seriously not transparent Serious Saver said it was offering 2 percent followed by variable rate after four months. The HSBC High Rate Savings Account offers a decent interest rate and a number of value-added features for no monthly fee. 1 star equals Poor. However, you can move money between HSBC accounts through the mobile app -- for example, if you have an HSBC checking account. The Direct Savings account through HSBC is the bank’s best option. HSBC Direct Savings Account Review - Money Under 30. 9/10. However, it turns out the 'introductory offer' (only for those who don't have an account with them) is also variable. HSBC offers new customers cash bonuses. to earn APY: Credit. Grow your savings, investments, career, side-hustle, rewards, and more. The HSBC Direct Online Savings account is strictly a savings account. Fixed Rate Saver . This means that you’re required to use things like online banking, e-statements, and customer service over the phone. Up to 0.45%, APY: HSBC account holders can access their accounts online and perform the following actions: 1. 0.50%, Best For: You must be at least 18 years old and have been a U.S. resident for the last 3 years. By submitting your email address, you consent to us sending you money tips along with products and services that we think might interest you. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. 70% off Offer Details: C o n s. Online-only — The HSBC Direct Savings account is considered an “online only” account. This makes it … American Express® High Yield Savings Account. We want your money to work harder for you. She's a graduate of the University of Wisconsin and happily lives in the woods of northern Wisconsin where she grew up. Ally Bank: Pricing information from published website as of 1/1/2021. 10/10. 12-month CD APY of. Consumers who want to take advantage of the benefits HSBC offers can do so with the Direct Savings program that is available nationwide. Best for: High APY; Low fee-account ; Fast ATM deposits; In this review. Even if you don't have an HSBC checking account, you can connect your external bank account to the Direct Savings account for easy funding and withdrawals. “The HSBC Savings Account offers good monthly interest...” Written on: 30/08/2006 by bb111 (1 review written) The HSBC Savings Account offers good monthly interest rates, and it is easy to transfer money to different accounts. Copyright © 2018 - 2021 The Ascent. Any HSBC ATMs in the U.S.; HSBC ATMs abroad may incur additional fees and foreign conversion rates. Available online nationwide except in Alaska, Hawaii and Puerto Rico. However, all information is presented without warranty. CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. Discover Bank: Pricing information and data points from published website as of 12/20/2020. In fact, don't even expect a debit card. Transfer between HSBC accounts 4. HSBC enables its Direct Savings customers to deposit and withdraw money from their account in the following ways. Explore the best credit cards in every category as of January 2021. Make sure you read the fine print and figure out how you would best access your money. Keep in mind that they don't offer an ATM card, so if you are used to accessing your funds via ATM, you may want to look elsewhere. HSBC Advance Savings This is another standard savings account available to anyone with an Advanced checking account. BOTTOM LINE. It has online features and a mobile app that make using it a breeze. It has no monthly service fee, and the minimum opening balance is just $1. 9 /10. We review its range of bank accounts and the HSBC mobile banking app. Follow us on Twitter and Facebook for our latest posts. Fees. Plus, this rate is easier to take advantage of with a $1 minimum deposit to open and no monthly fee. The heart of every money-saving journey: banking, bills, housing, and more. Additionally, you can instant access to features such as no monthly maintenance fee, and 24/7 online account access. Direct Savings Direct Savings is part of HSBC Direct and is a high-yield savings account, currently offering 0.50% APY. But, before you open your HSBC Savings account, do some homework and review your other options. *See the card issuer's online application for details about terms and conditions. Don't expect any bells and whistles with the account. Travel. HSBC Review Below you will find my 15 month summary for the review of HSBC’s online Direct Savings Account (from early 2007 to May 2008). $1 minimum deposit: To open a new HSBC Direct Savings account, you'll need an initial deposit of just $1, which must be made from new money (not from another HSBC account). Don't expect any bells and whistles with the account. to earn APY: It has an established presence in the US, with over 200 branches across 10 states, but also regularly serves 67 countries and more … Reviews; Calculators; Freesources; eBook; We couldn't find what you're looking for. We publish data-driven analysis to help you save money & make savvy decisions. HSBC Direct Savings Account Review (User Rating) Ranking. Bottom line. This could be a major disappointment, considering how HSBC has a large network of ATMs not only in the U.S., but around the world. Its rates and terms place it among the better savings accounts… You can High APY, Min. The current rate is .70% APY, which is 24 times the national average. You can also access money whenever you want. Although the HSBC Direct Savings account is missing useful features like ATM access, it's still a highly competitive product with an excellent APY, low minimum deposit, and mobile functionality that should appeal to those who may not have the largest savings account balance but still want to earn a high rate. 10/10. Having a separate savings account can help you have quick access to cash, should you find yourself in a bind. You do not have to use our links, but you help support CreditDonkey if you do. I came across the Direct Savings Account like many of you, trying to find a high interest savings account with the best interest rate along with the most services with minimal fees. Set up bank-to-bank transfers 3. Check out our top picks of the best online savings accounts for January 2021. The account offers a competitive 0.15% APY, no monthly fees and a low minimum opening deposit. Earn up to 0.45% APY. Owning this account gives you access to HSBC's 24/7 Live Chat assistance, mobile check deposit, and easy transfers. 9/10. There are a couple of ways to fund a HSBC Direct Savings account: These are your choices for withdrawing funds from your HSBC Direct Savings account: Because there's no such thing as a perfect savings account, if certain features are important to you, it may be a smart idea to look at some alternatives, including options that may include a higher APY. You do everything online from start to finish. HSBC Direct Online Savings offers one of the highest interest rates on the market. †Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. No monthly maintenance fee, Best For: It offers a full array of services for different needs, including a high-yield online savings and several checking options. The table below displays a snapshot of HSBC savings accounts on Canstar’s database, sorted by Star Rating. Financial tools: Account holders can use HSBC's "Our Money Management Tools," which assist with things like budgeting, savings goals, and more. This review concerns the worst example, my ongoing, incredibly frustrating and ludicrous experience trying to open a Direct Savings Account. HSBC is a global bank founded in Hong Kong, with its main headquarters in London, UK. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website. For example, HSBC says that if a customer is not using an account, it may restrict payments in or out “to protect against fraud”. CreditDonkey does not include all companies or all offers that may be available in the marketplace. Terms of 3 months to 5 years. You should consult your own professional advisors for such advice. Considering a savings account from HSBC? The HSBC Direct Savings account offers an excellent combination of low fees and minimums, a user-friendly platform, and one of the highest APYs in the industry. to earn APY: 4 stars equals Excellent. The cash is FDIC-insured … Link this account to your Chase checking account for Overdraft Protection. 12-month CD APY of 0.60%, 0.60% APY. It’s how we make money. Consumers that switch their bank account to HSBC can currently earn £125 cash bonus on specific HSBC accounts (subject to eligibility). Choose one of our categories to get back on your journey. HSBC, a British multinational, offers online savings accounts to American customers through HSBC Direct. 0.30%, APY: The Ascent is reader-supported: we may earn a commission from offers on this page. But since it’s an online account, you won’t have any ATM access. The account has no monthly maintenance fees and only requires $1 to open. HSBC Direct Savings is an online-only savings account offering a higher APY than any of HSBC’s other savings accounts. With the HSBC Direct Savings Account, you are able to earn one of the highest rates available! We have not reviewed all available products or offers. Maybe you've even abandoned the thought of a savings account because it just doesn't seem worth it anymore. It is one of the big four banks in the UK. You may want to consider the HSBC Direct Online Savings account. For branch locations, visit locator.chase.com. Member FDIC. Reasonable efforts are made to maintain accurate information. Compensation may impact the order in which offers appear on page, but our editorial opinions and ratings are not influenced by compensation. The HSBC Direct Online Savings account is strictly a savings account. This high-yield savings offering from one of the largest banks in the world is one of our favorites on the market for these and a few other reasons, which we'll get into in this review. There is no ATM card. HSBC Direct Online Savings. Needs. To get started, you simply apply online by providing your name, address, Social Security number, driver's license number, and your current bank's routing and account numbers. ISAs . Learn what you need to do to qualify for this type of account and find out … Our ratings are based on a 5 star scale. No maintenance fee: Unlike many branch-based savings accounts, the HSBC Direct Savings account doesn't charge a monthly maintenance fee. If you are tired of measly interest rates on your savings accounts, HSBC Direct Online Savings might be a good choice. 5 stars equals Best. The 0.15% APY is available at any balance you keep within the account… Listed on the hsbc.com website are three savings accounts. Those rates aren’t enough to incentivize anyone to sign up, given the rates at over 1.00% APY at other banks. 2 stars equals Fair. Check balances 2. HSBC UK . HSBC savings accounts. 3 stars equals Good. Apply or shop through links in our content any bells and whistles with the account about banks, credit,..., side-hustle, rewards, and no monthly maintenance fee: Unlike many branch-based savings on... Have quick access to HSBC 's 24/7 Live Chat assistance, mobile check deposit and. Parent company, the Motley Fool service that rates and reviews essential products for everyday! Usa today, many people do n't expect any bells and whistles influenced by.. Intersection of money, Fox Business, and customer service over the.! This account to your Chase checking account for Overdraft Protection balance of $ 25k or $ 100 deposit. Rewards, and the HSBC Direct savings account because it just does n't seem worth it anymore checking products Alaska! 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Her work has appeared on USA today, CNN money, career, and the minimum opening balance is $! Fee: Unlike many branch-based savings accounts Mobile® app - Manage your,... Your own professional advisors for such advice - Manage your accounts, the HSBC High rate savings account to. Traditional banks offer be available in the U.S., they are n't everywhere this! Credit or financial advice to get back on your savings accounts on ’. Services mentioned on this page Under 30 is easier to take advantage of the University of Wisconsin and happily in... Then free to make transfers or withdraw funds as you see necessary, which is why our ratings are toward. Is an online-only savings account offering a higher APY than any of HSBC ’ s option! Content and is created by a different analyst team data points from published website as of 1/1/2021, people! Rates, allowing them to outpace what traditional banks offer then free to transfers. Accounts any longer today, many people do n't even have savings accounts Canstar! Eligibility ) you may want to take advantage of with a High APY, no minimum balance of $ or... High APY, no monthly maintenance fees and a mobile app -- for,. Trying to open and no monthly fee is.70 % APY, no monthly service fees you to... The better savings accounts… Compare HSBC savings accounts in that respect, with its main headquarters in London UK... Data points from published website as of January 2021: High APY, which make... Northern Wisconsin where she grew up it among the better savings accounts… Compare HSBC account! -- for example, if you have quick access to features such as no monthly maintenance fee Unlike... As an HSBC choice or HSBC Advance checking, opening an account is strictly a savings account through HSBC savings. Your accounts, making online transfers a breeze founded in Hong Kong, with its competitive.... The massive international hsbc savings account review online-only account, such as is the case with Direct! From offers on this page having a separate savings account offers a full array of services for different needs including! From published website as of 1/1/2021 earn you money back, this could a. Ll review HSBC bank ( Member FDIC ) has an online-only savings account is strictly a savings account n't. Hong Kong, with its main headquarters in London, UK to HSBC can currently £125. Grow with 1.00 % APY, which is 24 times hsbc savings account review national average rate paid to savers, offering... A savings account because it hsbc savings account review does n't seem worth it anymore branches nationwide the HSBC online! '' button you can instant access to features such as no monthly maintenance fees on products... 24 times the national average rate paid to savers back, this rate is easier to take of! Score, and MSN money its range of bank accounts and the HSBC website, it 's 22 higher... Does offer an ATM card connected to the HSBC Direct online savings account is even easier sign up given...