Savings · SGD fixed deposits · HSBC

HSBC fixed deposit rates — September 2026

Name: HSBC SGD fixed deposit rates — September 2026
Creator: MoneyAtlas

Every publicly verifiable HSBC SGD fixed-deposit offer, from our monthly audit of official pages (cut-off 1 September 2026). Best published rate: 2.00% p.a. for 6 months (Premier Elite). Best 6-month: 2.00%. Best 12-month: 1.35% vs the market’s best clean 1.70%. The catch column is part of the comparison, not a footnote.

HSBC’s offers this month

Offer	Rates (p.a.)	Min	Lane	Validity & the catch
Personal banking HSBC SG app only	3m — 1.05% 6m — 0.85% 9m — 0.90% 12m — 0.95%	S$30k	Clean FD	Now till 30 Sep 2026. Personal-tier rates unchanged and far below the market leaders; the strong HSBC rates need Premier/Premier Elite status (premier lane — 6-month up to 2.00%).
Premier Elite HSBC SG app only	3m — 1.60% 6m — 2.00% 9m — 1.30% 12m — 1.35%	S$30k	Premier / high AUM	Now till 30 Sep 2026. Premier Elite 6-month jumped to 2.00% (from 1.60%). Plain Premier gets 6m 1.80% (no wealth condition; 9m/12m better WITH wealth/FX holdings); Personal far less. Fresh funds exclude internal transfers.

How HSBC’s best rate has moved

Jul 2026	Aug 2026	September 2026
1.30% (3m)	1.60% (6m)	2.00% (6m)

Best published rate at any tenure in each monthly audit (relationship-gated and bundle offers included where SGD-comparable; USD wealth bundles excluded). See the full September 2026 market table for how HSBC ranks against every other bank, or the promo ranking for the month’s top-to-bottom list.

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Quick answers

What is the best HSBC fixed deposit rate in September 2026?HSBC's best published SGD rate in our September 2026 audit is 2.00% p.a. for 6 months (Premier Elite, premier / high aum). For 12-month money the best HSBC rate is 1.35%. Always confirm the live rate at placement — promotional rates change without notice.

Is HSBC the best fixed deposit in Singapore right now?HSBC's best 12-month rate is 1.35%, against a market-best clean 12-month of 1.70% in September 2026. The ranking changes monthly — compare every bank side by side on our audited market table before placing.

Are HSBC fixed deposits protected by deposit insurance?SGD deposits at SDIC Scheme members are insured up to S$100,000 per depositor per institution, aggregated across savings, current and fixed deposit accounts there. Foreign-currency deposits are not covered.

Do HSBC promotional rates require fresh funds?Many promotions do — "fresh funds" means money not already held at the bank, and internal transfers usually don't qualify. Each offer's conditions are listed in the table above and on HSBC's official page; the binding terms are always the bank's at placement.

Compare other banks

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Official sources

HSBC time deposit

Rates are a point-in-time snapshot verified 1 September 2026 from HSBC’s official pages as part of our monthly market audit; promotional windows close and rates change without notice, and the binding rate is the bank’s quote at placement. This is market research for education and comparison — not a recommendation or an invitation to place deposits. SGD deposits at SDIC Scheme members are insured up to S$100,000 per depositor per institution.