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An abacus on table; image used for HSBC Flexi Saver Accounts.

Flexi Saver Account

Make more from your money with a Monthly Bonus rate

Why choose a Flexi Saver account?

Saving just got more flexible and more rewarding with the Flexi Saver Monthly Bonus rate
  • Earn more with interest calculated daily and paid monthly
  • Maximum balance is AUD $5m
  • No minimum balance required. Bonus interest is paid only when the balance increases by $300 or more per month (not including interest payments)
Other fees and charges may apply. See our Personal Banking Booklet (PDF, 1.50 MB).

Rates & Fees:

  • $0 Monthly account fee
  • 4.00% p.a. interest rate including Monthly Bonus (variable) of 2.25% p.a.1
  • 1.75% p.a. standard variable rate1

Ways to open:

Online, Branch, Phone

Canstar's 5-star rated savings account

Features & Benefits

Monthly Bonus

To receive the Monthly Bonus, simply:

  • Ensure that on the last business day of the month, your balance is at least $300 higher (excluding interest) than the opening balance on the first business day of that month
  • Where eligibility has been established during the month, the bonus interest will be calculated daily on the account from the first working day of the following month (e.g. if eligibility is established in January 2020, then the bonus interest rate will apply for the month of February, commencing from Monday 3rd February 2020)
  • Interest is calculated daily and paid monthly, eligible on balances up to AUD$5 million

If you miss out on receiving your Monthly Bonus you'll still receive the competitive standard variable rate. The Monthly Bonus resets every month so you'll have the opportunity to qualify again during the following month. 

Build your savings

Try these quick tips to help build your savings:
  •  Set up direct credits from your transaction account straight into your Flexi Saver to help build your savings
  • Open multiple accounts to save for different goals, you can even rename them online through Online Banking
  • Interest is calculated daily and paid monthly

Statements

You'll automatically receive a statement every 6 months or you can request monthly or quarterly statements.

Switch to e-Statements and e-Notifications for convenient access to your statements and account notifications via Online Banking. Switch to paperless today via Online Banking.

Account Fees and Charges

Fees and charges for the Flexi Saver account

Monthly account fee

$0

Online Banking (Fees apply for some services)

$0

Branch withdrawals and transfers in AUD$

$0

Phone Banking

$0

Flexi Saver Account Interest Rate on balances up to AUD$5,000,000

Rate including Monthly Bonus (variable) of 2.25
% p.a.1

4.00% p.a.1

Standard variable rate

1.75% p.a.1
Monthly Bonus is valid as of 1
 10 March 2025
Variable rates current as of 1
 10 March 2025
1 Monthly Bonus and variable rate are subject to change. No interest is incurred on balances over AUD$5 million.
  

Apply for a Flexi Saver Account

Already an HSBC customer?

Apply using the Mobile Banking App or Online Banking.

Not registered for Online Banking? Register now.

Apply by phone or branch 

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Terms & Conditions 

1Monthly bonus offer valid as at 10 March 2025 and subject to change. Rates are current as at 10 March 2025 and subject to change. No interest is incurred on the portion of balances over AUD$ 5 million. Bonus rate not applicable in the month the account is opened as eligibility criteria has not been established.

The HSBC Flexi Saver Account was awarded the Canstar 5-Star Rating for Outstanding Value – Savings Account in April 2019/2020.

Other banking services fees and charges may apply. Please refer to the Personal Banking Booklet (PDF, 1.50 MB). This advertisement provides general advice only and doesn't take into account your objectives, financial situation or needs. Consider the Transaction and Savings Accounts Terms (PDF, 1.10 MB) and Financial Services Guide (PDF, 906 KB) before acquiring this product, available by calling 1300 308 008, at your local branch or www.hsbc.com.au. Issued by HSBC Bank Australia Limited ABN 48 006 434 162. AFSL 232595.