HSBC Premier

Sixth consecutive win for HSBC China! We’ve been named 'International Retail Bank of the Year' at the 2022 Asian Banking and Finance Awards.

Starting with your needs, transcending "micro" and "macro" perspective

Our mission is to successfully integrate wealth with life, while providing personalised, comprehensive services catered to you and your family

From multidimensional financial solutions to personalised services, we offer unprecedented attention to detail!

Unlock multi-faced, customised financial solutions to guide your journey

Four benefits with comprehensive coverage

Professional Wealth Solutions

Our professional team will guide you through every stage of your wealth management journey.

International Connectivity

With a global network in more than 60 countries and territories, HSBC can assist you and your family when travelling internationally, studying abroad and relocating overseas.

Banking Excellence

Anytime, any channel, any service, any scenario, HSBC is devoted to supporting you.

Extraordinary Privileges

Let your loved ones enjoy all the privileges of the Premier Life like you do.

Your Relationship Manager, offering years of experience and professional knowledge, to actualize your financial needs, as well as offer customised wealth management solutions.Through defining your financial goals, constructing an asset allocation portfolio, and rebalancing your portfolio based on performance tracking, we aim to help achieve your wealth management goals. We provide you with robust, comprehensive wealth management insights by leveraging vast global resources.

Learn more Professional Wealth Solutions

Immersive banking experiences

Digital interactive wealth management services: Our exclusive 'Wealth Toolkits' empowers you through financial health checks, and aids you in understanding your finance status, financial planning situation, and help to reach your financial goals.

Professional support: We offer you the financial planning you need, and strive to help you achieve your financial goals.

Market outlook: Keep abreast of the latest global economic trends with regular market updates from around the world.

Wealth education: Access a wealth of knowledge by joining our online/offline seminars and investor club.

Rational and comprehensive wealth planning This link will open in a new window

Whether you want to grow wealth, protect your family, plan for retirement or fund your children's education, HSBC Premier will meet your needs through risk appetite assessment and a comprehensive financial analysis to offer you tailor-made financial solutions. Monitor your investment portfolio anytime, anywhere with online and mobile banking.

Flexible and diversified asset allocation

Global asset allocation: Get potential returns by investing offshore through Overseas Investment Plans (QDII), and make the most of global market investment opportunities.

Asset allocation management process: We'll build a comprehensive financial assessment based on your goals and provide corresponding asset allocation plans that suit your risk preferences.

Your Relationship Manager, offering years of experience and professional knowledge, to actualize your financial needs, as well as offer customised wealth management solutions.Through defining your financial goals, constructing an asset allocation portfolio, and rebalancing your portfolio based on performance tracking, we aim to help achieve your wealth management goals. We provide you with robust, comprehensive wealth management insights by leveraging vast global resources.

Learn more Professional Wealth Solutions

Immersive banking experiences

Professional support: We offer you the financial planning you need, and strive to help you achieve your financial goals.

Market outlook: Keep abreast of the latest global economic trends with regular market updates from around the world.

Wealth education: Access a wealth of knowledge by joining our online/offline seminars and investor club.

Rational and comprehensive wealth planning This link will open in a new window

Flexible and diversified asset allocation

Global asset allocation: Get potential returns by investing offshore through Overseas Investment Plans (QDII), and make the most of global market investment opportunities.

Asset allocation management process: We'll build a comprehensive financial assessment based on your goals and provide corresponding asset allocation plans that suit your risk preferences.

With our global presence covering more than 60 countries/regions, we can help you and your family plan for your dream overseas travel, study, life and more.

Learn more International Connectivity

Global connectivity

Overseas account opening: Make an appointment using HSBC International Education Services. Take advantage of our upgraded Smart Mobile Onboarding Tools to complete an online reservation for an account in Singapore or the UK.

Global View: See all your worldwide accounts via online banking or mobile banking.

Global Transfers: Make instant transfers to your worldwide self-name accounts and make international education payments for free.

Global recognition

Stay Premier, wherever you go: Enjoy dedicated support no matter where you are in the world. Being an Premier customer doesn’t stop when you cross the border. You’ll get Premier status, wherever you bank with us.

Global support

Global emergency cash services: We’ll replace any lost credit cards within 24 hours, and provide you with emergency cash of up to USD2,000 if you need it, at any of our branches worldwide.

International education

One-stop overseas study services: Our dedicated team provides free support in every stage of your overseas study stint.

Anytime, any channel, any service, any scenario, HSBC is devoted to supporting you.

Learn more Banking Excellence

All-day support for your banking needs

Enjoy easy access to our mobile app banking, WeChat service accounts, 24/7 customer service hotline and personal online banking, anytime, anywhere.

Preferential pricing

Enjoy a wide range of Premier services with preferential pricing or free of charge, including global transfers, international education payments.

Payment support with full coverage

Move around the world easily with the third-party payment platforms including WeChat Pay and Alipay. Plus use mobile banking to make RMB and foreign currency transfers at your fingertips.

Exclusive home loan rates

We provide multi-currency (HKD, USD and RMB) Home Mortgage Loan services in 18 cities across mainland China.

Enjoy professional and efficient application process, excusive home loan rates, flexible repayment options and multiple supplementary services.

Our home loan adviser will guide you through the process for a hassle-free experience.

*The loan interest rate will be determined by our bank's customer credit review and local laws, regulations and policies.

Let your loved ones enjoy all the privileges of the Premier Life like you do.

Learn more Extraordinary Privileges

Comprehensive customer rewards programmes

HSBC community rewards points programmes (in Chinese only): Earn Reward Points or growth value by joining daily interactions and completing bespoke tasks monthly.

HSBC Premier travel credit card benefits: Enjoy perks like 50% business class airfare, high-end hotel concierge services, and free entry to worldwide airport/high-speed rail VIP lounge.

Health hospitality

Get access to regular online and offline healthcare seminars, and get special discounts on partnering gyms and dental clinics.

Third-party tax and legal support

We hold regular online and offline sharing sessions on tax and legal matters, and provide discounts on the consultancy services you need from our tax/legal partners.

Family financial services This link will open in a new window

Providing continuous support to help you and your family thrive:

Sharing privileges with your family: Extend your privileges to your family with no monthly fees when after meeting certain criteria, and view your family's finances at a glance.

Accompany your Children's Growth: Help your children manage their finances and spending limits with an HSBC Premier Junior Account

Build a future for your loved ones with family protection: Protect your family's heath, prepare for your child's education, make retirement plans for you and your loved one, pass down your legacy and monitor your family's insurance plan.

Connect to the world with HSBC International Services

As an HSBC Premier customer, enjoy a gift package of exclusive benefits on foreign currency exchange services and preferential interest rates for time deposits in USD.

You'll also get a chance to join our lucky draws and enjoy a bunch of surprising gifts.

From 1 April to 30 June 2023, qualified HSBC Premier customers who use the HSBC International Services and meet any of the requirements¹ can sign up for the event and enjoy the following preferential benefits. Contact your Relationship Manager to join now!

Competitive foreign currency exchange rate & Exclusive foreign currency time deposit rate

1. Competitive and preferential exchange rates for major currencies, enjoy the same rate as of Premier Elite

2. Exclusive and preferential rate for new fund* USD Time deposit
0 service fee for foreign currency remittance and overseas cash withdraw

Enjoy 0 service fee for foreign currency outward remittance (Telegraphic Transfer), foreign currency domestic remittance (Telegraphic Transfer) and cash withdrawals through ATMs outside Mainland China
Lucky Draw²

Participate in the lucky draw to win the opportunity to attend "China Annual Investor Wealth Summit" in Beijing with 2 nights' free accommodation in designated hotel.

Diversify your foreign currency asset, and enjoy 60,000 HSBC Community reward points

1. Multiple investment tools provide you rich options of foreign currency asset

2. Earn your 60,000 HSBC Community reward points by making foreign exchange transaction and foreign currency asset allocation on digital channel for 3 times or above
Limited time offer for credit card annual fee waiver, enjoy global convenience and benefits

Qualified Premier customers** holding Premier Travel Credit card enjoy limited time offer for annual fee waiver. Your card benefits include but not limited to:

1. 50% off cruise fee for your 2^nd buy of business class ticket (once for a year) or High-tier transportation service when you arrive at overseas destination (you can enjoy 2 serves)

2. Global Airport and domestic railway station lounge access (8 times for a year)

1. Please refer to the T&C for details

2. Qualified customer can participate in the lucky draw

* Please consult your Relationship Manager for the definition of new fund

** Please refer to the T&C of how to become a qualified HSBC Premier customer

Please contact your Relationship Manager or call us on 400-820-3090 to learn more about the details.

How to join HSBC Premier

If you maintain a daily average Total Relationship Balance of RMB500,000 (or foreign currency equivalent) or more, you can enjoy HSBC Premier with no monthly fee.

Open an account online

Scan the QR code below to apply for an account online. On a mobile device? Select the QR code directly to get started.

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Make an appointment

Leave your contact details with us and we'll be in touch within 1-2 business days.

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Call us

400-820-3090

(8:30-17:30, Mon - Fri)

Please dial the China country code +86 if you are calling from overseas, Hong Kong, Macau or Taiwan.

Find a branch

Find your nearest branch This link will open in a new window

Unlock more of how to get your exclusive Premier Account Services

Already with HSBC China?

If you and your family, under the same HSBC Premier Family, maintain a daily average Total Relationship Balance of RMB500,000 (or foreign currency equivalent) or more across all family's accounts, you and your family can enjoy the privileges of HSBC Premier with no monthly fee.

Scan the QR code to contact your Relationship Manager to learn more, if you‘re on a mobile browser please directly click the image below. Or you can call us through 95366, our customer service officer stands by to help with your any enquiry.

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Prepare for opening bank accounts abroad before your departure: We've got a dedicated team to gather information you'll need to open a Premier account abroad.

Scan the QR code to contact your Relationship Manager to learn more, if you're on a mobile browser please directly click the image below. Or you can call us through 95366, our customer service officer stands by to help with your any enquiry.

*Includes overseas territories, Hong Kong SAR, Macau SAR and Taiwan

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If you maintain a daily average Total Relationship Balance of RMB500,000 (or foreign currency equivalent) or more, you can enjoy HSBC Premier with no monthly fee. Visit any of our branches or upgrade now via the HSBC China Mobile Banking app.

Scan the QR code to upgrade your account now, or if you're on a mobile browser please directly click the image below.

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Premier customers in other countries/regions

There is no need to meet the minimum balance requirement. Enjoy Premier privileges with us with no monthly fee.

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Friends and Family Referral Programmes

Get up to 500,000 points for both you and your referee, and earn a JD e-coupon or a Sinopec fuel card worth RMB100 (55,000 points) and more.

Refer now (in Chinese only) This link will open in a new window

Frequently asked questions

The 'Total Relationship Balance' refers to the combined monthly average balance of all the accounts under the same customer number, which includes: (1) Renminbi / Foreign Currency Deposits; (2) investment capital amount(s) of Dual Currency Investment(s) and Structured Investment(s) (Capital Protected at Maturity / Capital Partially Protected at Maturity); (3) market value of other investment product(s) (including Overseas Investment Plan); (4) point of time cash value of traditional life insurance product(s) (including annuity insurance, whole life insurance, endowment insurance, critical illness insurance and universal life insurance) as at day end of the third to last working day of the current month; (5) point of time market value of investment account(s) under investment linked insurance product(s) as at day end of the third to last working day of the current month.

Remarks and notes:

The insurance product(s) as mentioned above will be included in the Total Relationship Balance calculation of the current month if the relevant policy effective day is on or before the third to last working day of the current month and will start to be included in the Total Relationship Balance calculation from the next month if the relevant policy effective day is on or after the second to last working day of the current month.
The Total Relationship Balance calculation doesn't include protection insurance product(s) (protection insurance product(s) refer to Term Life Insurance, Credit Enhancement Insurance and general insurance such as Travel Insurance, Accidental Insurance and Health Insurance).
Working day refers to such working day in mainland China as determined pursuant to the announcement or provisions issued by the relevant governmental organization in mainland China.
The above mentioned cash value or market value of insurance product(s) will be provided to the Bank by the relevant insurance company(ies), and the Bank takes no liability for the information and data provided by the relevant insurance company(ies).

A monthly service fee of RMB300 (or equivalent in any other currency) will be charged if the Total Relationship Balance of all the accounts under the same customer number falls below RMB500,000 / equivalent foreign currency in the previous month. Please refer to the Tariff of Accounts and Services for Personal Customers or Premier Welcome Pack for detailed information.

If you have HSBC Premier account(s) in other country(ies)/territory(ies), you can (1) contact related overseas HSBC to set HSBC China as your host bank; or (2) authorise HSBC China with a designated form to transmit such instruction to the related overseas HSBC which you wish to set as home bank.

After setting HSBC China as your host bank for your HSBC Premier account(s), you can enjoy the monthly service fee waiver from HSBC China. Please be reminded though that the home bank set by you will charge the monthly service fee according to its requirement on minimum Total Relationship Balance (HSBC banks in different countries/territories may use different terms when referring to monthly service fee and may have different rules for minimum Total Relationship Balance, it is your responsibility to understand the detailed requirements). This means a monthly service fee will still be charged every month if the Total Relationship Balance of your account(s) falls below the minimum Total Relationship Balance requirement applied by the home bank.

FAQs: HSBC Premier This link will open in a new window

Important Information

Our 4-pillar wealth solutions can provide comprehensive support to help meet all your financial needs.

Discover HSBC Premier This link will open in a new window

Premier Welcome Pack This link will open in a new window

The information provided is intended as a general guide for reference.

Benefits and features of the services shall be subject to relevant terms and conditions and local regulatory restrictions.

Please refer to the Tariff of Accounts and Services for Wealth and Personal Banking Business or Premier Welcome Pack for detailed information.

Certain benefits and features are not applicable to Junior Account holders. To learn more, contact our customer service hotline or visit a branch.

We'd love to hear your feedback

We’d like to invite you to take a short survey to share your online experience in using our website. It’ll take less than 3 minutes to complete, and it would be extremely helpful for us to improve our website services.

Unlock multi-faced, customised financial solutions to guide your journey

Professional Wealth Solutions

International Connectivity

Banking Excellence

Extraordinary Privileges

HSBC Premier Elite

Connect to the world with HSBC International Services

Terms and conditions

How to join HSBC Premier

Open an account online

Make an appointment

Call us

Find a branch

Unlock more of how to get your exclusive Premier Account Services

Premier Family Financial Services

Open an overseas* Premier bank account

HSBC Advance customers

Friends and Family Referral Programmes

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HSBC international services

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Frequently asked questions

How is 'Total Relationship Balance' under the same customer number calculated?

What is the monthly service fee for HSBC Premier?

Except for satisfying HSBC China's minimum Total Relationship Balance, under what circumstances may I enjoy a monthly service fee waiver?

Important Information

Disclaimers