Deposit Interest Rate


(For Personal Customers)
(Table 1 Deposit Interest Rate)
/ Deposit Interest Rate (% per annum)

Effective from 2 July 2012
Unit : THB

ประเภทเงินฝาก / Deposit Type ประเภทลูกค้าี / Customer Type
บุคคลธรรมดา
Personal		 บุคคลธรรมดา
ผู้มีถิ่นฐานอยู่นอกประเทศ
Non-resident Personal
ลูกค้าทั่วไป
(General Customers)		 ลูกค้าเอชเอสบีซี
พรีเมียร์
(HSBC Premier Customers)		 ลูกค้าทั่วไป
(General Customers)		 ลูกค้าเอชเอสบีซี
พรีเมียร์
(HSBC Premier Customers)
1. กระแสรายวัน /Current Account - - - -
2. ออมทรัพย์ /Savings Account
จำนวนเงิน/Amount น้อยกว่า / Below 100,000 0..00 0.00 - -
100,000-499,999 0..00 0.00 - -
500,000-2,999,999 0..00 0.00 - -
3,000,000-9,999,999 0..00 0.00 - -
10,000,000-29,999,999 0..00 0.00 - -
30,000,000-49,999,999 0..00 0.00 - -
50,000,000 และมากกว่า / and over 0..00 0.00 - -
3. ฝากประจำ/Time Deposit
1 เดือน/Month
จำนวนเงิน/Amount		 น้อยกว่า / Below 100,000 N/A N/A - -
100,00-499,999 N/A N/A - -
500,000-2,999,999 N/A N/A - -
3,000,000-9,999,999 N/A N/A - -
10,000,000-49,999,999 N/A N/A - -
50,000,000-99,999,999 N/A N/A - -
100,000,000 และมากกว่า / and over N/A N/A - -
2 เดือน/Months
จำนวนเงิน/Amount		 น้อยกว่า / Below 100,000 N/A N/A - -
100,000-499,999 N/A N/A - -
500,000-2,999,999 N/A N/A - -
3,000,000-9,999,999 N/A N/A - -
10,000,000-49,999,999 N/A N/A - -
50,000,000-99,999,999 N/A N/A - -
100,000,000 และมากกว่า / and over N/A N/A - -
3 เดือน/Months
จำนวนเงิน/Amount		 น้อยกว่า / Below 100,000 N/A N/A - -
100,000-499,999 N/A N/A - -
500,000-2,999,999 N/A N/A - -
3,000,000-9,999,999 N/A N/A - -
10,000,000-49,999,999 N/A N/A - -
50,000,000-99,999,999 N/A N/A - -
100,000,000 และมากกว่า / and over N/A N/A - -
4-5 เดือน/Months
จำนวนเงิน/Amount		 น้อยกว่า / Below 100,000 N/A N/A - -
100,000-499,999 N/A N/A - -
500,000-2,999,999 N/A N/A - -
3,000,000-9,999,999 N/A N/A - -
10,000,000-49,999,999 N/A N/A - -
50,000,000-99,999,999 N/A N/A - -
100,000,000 และมากกว่า / and over N/A N/A - -
6 เดือน/Months
จำนวนเงิน/Amount		 น้อยกว่า / Below 100,000 N/A N/A N/A N/A
100,000-499,999 N/A N/A N/A N/A
500,000-2,999,999 N/A N/A N/A N/A
3,000,000-9,999,999 N/A N/A N/A N/A
10,000,000-49,999,999 N/A N/A N/A N/A
50,000,000-99,999,999 N/A N/A N/A N/A
100,000,000 และมากกว่า / and over N/A N/A N/A N/A
7-8เดือน/Months
จำนวนเงิน/Amount		 น้อยกว่า / Below 100,000 N/A N/A N/A N/A
100,000-499,999 N/A N/A N/A N/A
500,000-2,999,999 N/A N/A N/A N/A
3,000,000-9,999,999 N/A N/A N/A N/A
10,000,000-49,999,999 N/A N/A N/A N/A
50,000,000-99,999,999 N/A N/A N/A N/A
9-11 เดือน/Months
จำนวนเงิน/Amount		 น้อยกว่า / Below 100,000 N/A N/A N/A N/A
100,000-499,999 N/A N/A N/A N/A
500,000-2,999,999 N/A N/A N/A N/A
3,000,000-9,999,999 N/A N/A N/A N/A
10,000,000-49,999,999 N/A N/A N/A N/A
50,000,000 และมากกว่า / and over N/A N/A N/A N/A
12 เดือน/Months
จำนวนเงิน/Amount		 น้อยกว่า / Below 100,000 N/A N/A N/A N/A
100,000 - 499,999 N/A N/A N/A N/A
500,000 - 2,999,999 N/A N/A N/A N/A
3,000,000 - 9,999,999 N/A N/A N/A N/A
10,000,000 - 49,999,999 N/A N/A N/A N/A
50,000,000 และมากกว่า / and over N/A N/A N/A N/A
18 เดือน/Months
จำนวนเงิน/Amount		 น้อยกว่า / Below 100,000 N/A N/A N/A N/A
100,000-499,999 N/A N/A N/A N/A
500,000-2,999,999 N/A N/A N/A N/A
3,000,000-9,999,999 N/A N/A N/A N/A
10,000,000-49,999,999 N/A N/A N/A N/A
50,000,000 และมากกว่า / and over N/A N/A N/A N/A
24 เดือน/Months
จำนวนเงิน/Amount		 น้อยกว่า / Below 100,000 N/A N/A N/A N/A
100,000 - 499,999 N/A N/A N/A N/A
500,000 - 2,999,999 N/A N/A N/A N/A
3,000,000 - 9,999,999 N/A N/A N/A N/A
10,000,000 - 49,999,999 N/A N/A N/A N/A
50,000,000 และมากกว่า / and over N/A N/A N/A N/A
36 เดือน/Months
จำนวนเงิน/Amount		 น้อยกว่า / Below 100,000 N/A N/A N/A N/A
100,000 - 499,999 N/A N/A N/A N/A
500,000 - 2,999,999 N/A N/A N/A N/A
3,000,000 - 9,999,999 N/A N/A N/A N/A
10,000,000 - 49,999,999 N/A N/A N/A N/A
50,000,000 และมากกว่า / and over N/A N/A N/A N/A


*Remarks
Conditions of interest payment

  1. For time deposit accounts, in case that there is a withdrawal prior to the maturity date, HSBC will pay interest as follows:
    • Time deposit with tenor less than 3 months (ie. 1 or 2 months); deposit period is less than such specified tenor: interest = 0 per cent
    • Time deposit account with tenor 3 months or more;
      • Deposit period is less than 3 months: interest = 0 per cent
      • Deposit period is at least 3 months or more : interest = interest rate for savings account of the same/similar type and tier OR interest rate for time deposit account, whichever is lower.
    • In case where there is any withdrawal made before the maturity date of any period of the time deposit account, HSBC shall be entitled to deduct the deposit and/ or interest amount to be paid to the account holder as the compensation for the interest amount already paid to the account holder, exceeding the applicable interest amount for such relevant term of time deposit account, before the maturity date.
    • For Instant Cash Time Deposit account, if the account holder closes such account or withdraws any sum (whether in whole or in part) from such account before the maturity date, there will be no interest thereon.
  2. HSBC may pay interest at rates higher than the above rates to customers such as HSBC Premier customers who have the trend to increase their deposits or have the intention to use other bank facilities by considering the customer's business profile. Such additional interest rate shall not exceed 2.00 per cent p.a.
  3. Interest calculation method, frequency for interest payment, and number of days in the year used for interest calculation
    • HSBC uses the following interest calculation method End of day deposit balance x interest rate x number of deposit days/number of days in the year
    • For Savings Accounts, HSBC pays interest to customer on a semi-annual basis
    • For Time Deposit Accounts, HSBC pays interest to customer on its maturity date. If the maturity date falls on a bank holiday, then maturity date will be on the next banking day.
    • HSBC uses 365 days for interest calculation except leap year where 366 days will be used
  4. Principle and interest of a non-resident Thai Baht deposit account according to Exchange Control regulations of Bank of Thailand is not protected by Deposit Protection Agency.
  5. Current Account, Savings Account and Time Deposit Account are protected by Deposit Protection Agency at the coverage amount specified by law.
  6. For Time Deposit accounts, customers shall be entitled to receive interest rate at the rate on date that the time deposit account is opened until the maturity date.
  7. N/A = Not Available