SmartMoney Account

Take the smart way out, open a HSBC SmartMoney Account, which enables you to enjoy all the benefits of a savings account coupled with the high returns of a fixed deposit. A unique combination of a fixed deposit and a savings account, the HSBC SmartMoney Account lets you enjoy the higher returns of a fixed deposit and yet retain the liquidity and flexibility to meet all your needs.

Know more

• Features & Benefits
• Documents Required to Open an Account
• Account Rules
• FAQs
• Terms and Conditions

The intelligent way to grow your money

Higher interest rates

Open a SmartMoney Account with a minimum fixed deposit of Rs. 25,000 and get high returns. Choose the best tenure for you from a wide range as per your convenience . You can enjoy a waiver from maintenance of Average Monthly Balance(AMB) requirement on your HSBC savings accounts by availing of Smart Money facility with a minimum fixed deposit value of Rs. 200,000. HSBC Advance customers may hold a Smart Money facility with a minimum fixed deposit of Rs. 500,000 and enjoy a waiver on the service charges levied towards non maintenance of the HSBC Advance eligibility criteria.

Up to 90% overdraft

You can withdraw up to 90% through an overdraft facility. You can pay interest only on the amount overdrawn, while you earn interest on 100% of your fixed deposit.

Anytime access

Access your SmartMoney Account 24 hours a day through our ATMs, Phone Banking, Internet Banking. You also get your own personalised chequebook.

Free HSBC credit card^#

Make the most of your hard-earned money with money saving features and value added benefits.

Free HSBC International debit card^#

The HSBC International debit card^# allows you to withdraw up to Rs. 25,000 per day, with higher withdrawal limits for HSBC Advance and HSBC Premier customers.

Free online bill payment services

Make all your bill payments online and avoid the hassles of physical payments. It's convenient and quick.

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