HSBC Malaysia Fixed Deposit Rates
Last updated 20 Aug 2026, 1:58 PM MYT · Reviewed by Raymond, Rates.my
HSBC Malaysia fixed deposit overview
HSBC Malaysia is a commercial bank in Malaysia. Its best fixed deposit rate listed here is 4.28% p.a. on the HSBC Premier Time Deposit (Q3 2026), with placements from RM1,000. Across 3 campaigns the available tenures are 6M, 12M, 24M, 36M, 60M. Some of these rates are promotional and time-limited — check the validity date and eligibility before placing your funds. Compare each HSBC Malaysia FD campaign below, see what you'll need to open one, and read reviews from other depositors.
HSBC Malaysia FD campaigns & rates
HSBC Malaysia standard FD board rates
Standard (non-promotional) fixed deposit rates by tenure — effective 8 Jun 2026, from a minimum placement of RM1,000.
| Tenure | Rate p.a. |
|---|---|
| 1 month | 1.85% |
| 2 months | 1.90% |
| 3–5 months | 1.95% |
| 6–12 months | 2.00% |
| 13–60 months | 2.05% |
Source: HSBC Malaysia official rates. Board rates can change without notice — verify before placing. A promotional FD reverts to these rates after its campaign cycle.
Opening a HSBC Malaysia fixed deposit
Breaking a fixed deposit before maturity usually forfeits some or all of the interest — confirm the terms with HSBC Malaysia before you commit.
HSBC Malaysia bundled FD promotions — and what they actually require
These are the headline rates HSBC Malaysia advertises. They are not plain fixed deposits: each one needs a linked insurance or investment purchase, and the high rate usually runs for only a short tenure — so the return across your whole outlay is far lower than the number suggests. Listed here so you can see the condition before the rate.
Wealth Bundle Time Deposit
Valid until 30 Sep 2026The catch: Requires a qualifying wealth (investment) purchase alongside the placement, at a branch, with fresh funds.
| Who qualifies | Rate p.a. | Tenure | Min placement |
|---|---|---|---|
| New to Wealth | 7.88% | 3 mo | RM50,000 |
| New to Wealth (USD) | 8.08% | 3 mo | USD10,000 |
| Existing Wealth customer | 5.88% | 3 mo | RM50,000 |
| Existing Wealth customer (USD) | 6.08% | 3 mo | USD10,000 |
Bancassurance Bundle Time Deposit
Valid until 30 Sep 2026The catch: Requires buying a qualifying insurance policy alongside the placement, at a branch, with fresh funds.
| Who qualifies | Rate p.a. | Tenure | Min placement |
|---|---|---|---|
| New customer | 9.88% | 3 mo | RM20,000 |
| New customer (USD) | 10.08% | 3 mo | USD20,000 |
| Existing customer | 8.88% | 3 mo | RM20,000 |
| Existing customer (USD) | 9.08% | 3 mo | USD20,000 |
Verified against HSBC Malaysia's own campaign pages and terms. A short high-rate tenure on part of your money is not the same as earning that rate on all of it — work out the blended return before committing.
HSBC Malaysia fixed deposit FAQ
HSBC Malaysia's highest fixed deposit rate listed here is 4.28% p.a. on the HSBC Premier Time Deposit (Q3 2026), for a 6 Months tenure. Rates are indicative — confirm the current rate on the HSBC Malaysia website before applying.
The minimum placement starts from RM1,000. Some campaigns require up to RM50,000.
The HSBC Malaysia fixed deposits listed here are conventional. Check with the bank directly for any Islamic Term Deposit-i options.
Your IC (MyKad) or passport, and the deposit amount. HSBC Malaysia FDs are typically opened at a branch. Promotional rates usually require fresh funds (money new to the bank).
The HSBC Premier Time Deposit (Q3 2026) promotional rate is valid until 30 Sep 2026 (indicative). Promotional campaigns can change or be withdrawn — always confirm the current offer and terms with HSBC Malaysia.
Outside promotions, HSBC Malaysia's standard FD board rates (effective 8 Jun 2026) are: 1.85% p.a. for 1 month; 1.90% p.a. for 2 months; 1.95% p.a. for 3–5 months; 2.00% p.a. for 6–12 months; 2.05% p.a. for 13–60 months. Board rates apply to standard placements and to promotional FDs once the promo cycle ends, from a minimum placement of RM1,000. Confirm the current rate with HSBC Malaysia before placing.
Rates, tenures and promotions are indicative and time-limited — always confirm current terms with HSBC Malaysia before placing a deposit. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by HSBC Malaysia; the bank's name and logo belong to their respective owners. Spotted an error, or need a correction or takedown? Contact Raymond at raymond@rates.my.
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