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HSBC Share the Experience

Earn up to $6,000 when you refer friends or family to HSBC Premier.

Refer friends or family to HSBC Premier and earn up to $6,000

Invite your loved ones to experience HSBC Premier’s1 unparalleled service and get $300 per qualifying referral, with the potential to earn up to $6,000 in a calendar year2.

Plus, when they open a qualifying HSBC Premier checking account, they’ll earn a one-time bonus of up to $1,000, subject to qualifying activities. They’ll also get access to everyday and international benefits like global transfers3 and no foreign transaction fees4 on your purchases with the HSBC Premier Debit World Mastercard® card4.

Offer valid from April 17, 2023 to December 29, 2023. 

How to refer friends or family

Step 1

Log on to view your personalized Share the Experience referral code.

Step 2

Share your personalized referral code and link with friends or family.

Step 3

The person you referred can apply for their bank account online, at a Wealth Center or by submitting a lead form online to our International Banking Center. During the application, they'll need to used your personalized referral code.

Step 4

Your referral bonus will be deposited to your qualifying HSBC Premier checking account within 8 weeks of your referral’s account opening.

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Additional information

For clients located outside of the U.S. - Our products and services are not specifically directed at individuals located in the European Union. Our U.S. representatives, as well as our public website,, provide products and services governed by U.S. laws and regulations. Our products and services, as well as their specific terms and conditions, are subject to change and may not be available in all territories or to all customers. If your product requires a contract, application, disclosure, or other document to be signed, such document(s) will be deemed executed in the U.S. and only acted upon after you have signed them and they have been received by HSBC in the U.S. If you are not located in the U.S., the laws, and regulations of your country of residence could affect the offering, negotiation, discussion, provision, and/or use of HSBC U.S. products and services. If you are not a U.S. resident, please read the specific cross-border product and service disclaimers, which are available on the Cross Border Disclosure page of our public website available at

1 To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and maintain:

  • Balances of $75,000 in combined U.S. consumer and qualifying commercial U.S. Dollar deposit and investment* accounts; OR
  • Monthly recurring direct deposits totaling at least $5,000 from a third party to an HSBC Premier checking account(s); OR
  • HSBC U.S. residential mortgage loan with an original loan amount of at least $500,000, not an aggregate of multiple mortgages. Home Equity products are not included.

A monthly maintenance fee of $50 will be incurred if one of these requirements is not maintained.

Offer valid from April 17, 2023 through and including December 29, 2023 (“Offer Period”).  Employees, officers, directors, agents, or representatives of HSBC and/or Household Members of such person, including any joint account owners, are not eligible. “Household Members” shall mean those people who share the same residence. Please note this offer consists of two categories of bonus (for current HSBC customers and new HSBC customers respectively), the terms of which are set out in separate sections below.

Terms for Current HSBC Customer Bonus: This offer is only valid for customers with an HSBC Premier1 account in the United States (“Eligible Account”) who have access to HSBC Personal Internet Banking (“PIB”). You will receive a $300 referral bonus (“Referral Bonus”) to your Eligible Account for each qualifying referral who opens a new HSBC Premier checking account (“New Account”), limited to 20 Referral Bonuses per calendar year up to $6,000. To receive the Referral Bonus, the New Account must be opened in a U.S. HSBC Wealth Center, online at, or with our International Banking Center Team, as designated below. The referral’s New Account must remain open for at least 21 calendar days. The individual you refer must provide your personalized referral code at account opening. Refer to PIB for your personalized referral code. Referred customers who have a current or past HSBC account in the U.S. on file are not eligible for this offer. Your Eligible Account must be open and in good standing at time of Referral Bonus fulfillment. Your Referral Bonus will be deposited to your Eligible Account within 8 weeks of your referral’s New Account opening, provided the New Account meets the account opening requirements described below.

Terms for New Customer Bonus: This offer is only valid for a New Account opened during the Offer Period via the following designated channels: in a U.S. HSBC Wealth Center, online at, or with our International Banking Center (IBC) Team.  A valid personalized referral code must be provided by the customer when opening the New Account.

The designated account opening channel(s) for the New Account are as follows:  (i) Domestic Customers:  For customers who meet the following criteria, the New Account must be opened in a U.S. HSBC Wealth Center, or online at (a) at least 18 years of age, (b) have a Social Security Number, (c) have a U.S. mobile number for online applications or a mobile or  landline number for accounts opened in a U.S. HSBC Wealth Center or through HSBC’s customer service line , (d) currently have a U.S. residential address, and (e) have had U.S. residency for the past one year.  (ii) International Customers:  For customers who meet the following criteria, the New Account must be opened through our International Banking Center or in a U.S. HSBC Wealth Center: (a) at least 18 years of age; (b) lived in the U.S. for less than 1 year; (c) have a valid U.S. tax certification as of the date of account opening, and (d) have a valid U.S. or international mobile or landline phone number. Customers who do not meet the foregoing criteria are not eligible for this offer. Referred customers who have a current or past HSBC account in the U.S. on file are not eligible for this offer.

To qualify for the HSBC Share The Experience New Account bonus, the New Account customer must (1) meet Qualifying Balance (listed below) in New Money in deposit and/or eligible investment accounts within 30 calendar days of account opening; and (2) maintain the Qualifying Balance for 6 full calendar months after account opening. The date of account opening is considered day one for these purposes. New Money is defined as deposits or investments not previously held by any member of the HSBC Group in the U.S. New Money is determined at HBSC’s discretion. For purposes of determining whether the New Account customer has maintained the Qualifying Balance for this offer, the New Money balance will be reviewed at the end of the 6 full calendar months from account opening period. References to establishing and maintaining an investment balance/account is not intended to be a recommendation, as defined by the US Securities and Exchange Commission. For individualized tailored recommendations, including establishing and maintaining an investment balance/account, based on your needs or objectives, please contact us for more information. Consumer accounts/assets that are ineligible for New Money Balances: insurance products; fixed and variable annuities; 529 College Savings Plans; any retirement accounts, including, but not limited to, IRAs, Keogh, Simple IRAs and 401(k) Plans; UTMA and UGMA; commercial accounts; and revocable or irrevocable trust accounts. If all offer requirements are met, the New Account bonus will be deposited to the New Account within 8 weeks from the date the New Account is fully qualified. Any payments may be subject to tax and will be reported to the Internal Revenue Service as required by applicable law.

The New Account bonus is $500 for a New Account with Qualifying Balances of $75,000.00-$499,999.99 in deposit and/or eligible investment accounts OR $1,000 for a New Account with Qualifying Balances of $500,000 or more in deposit and/or eligible investment accounts. The New Account must be in good standing at time of gift fulfillment. Limit one New Account Bonus per new customer, including all individual and joint accounts — the first line name on the joint account is considered the customer for gift purposes. A customer can use only one referral code at the time of account opening. Eligible customers who take advantage of this offer cannot receive any other New Consumer Deposit Offer provided by HSBC Bank USA, N.A. New Consumer Deposit Offers are defined as incentives in the form of merchandise and/or cash bonus that are offered to consumers who open an eligible checking account and satisfy qualifying activities.

This Offer Terms and Conditions is current as of April 17, 2023. All promotional offers, products, and services offered by HSBC are subject to updates, modifications, and/or termination by HSBC at any time. Please call HSBC’s customer service line 800.975.4722 (HSBC) or visit your local HSBC Wealth Center for detailed and up-to-date information. Retain for your records.

Global View and Global Transfers are only available for HSBC Premier and existing HSBC Advance clients and are not available in all countries. Foreign currency exchange rates and local country limitations may apply. Transfers from HSBC accounts from outside the U.S. may be subject to transfer fees. Personal Internet Banking is required to access Global View and Global Transfers. Access to U.S. Personal Internet Banking through Global View from outside the U.S. may be limited.

If you effect a foreign transaction on your HSBC Bank Consumer Checking or Savings account at an EFT facility with your HSBC Debit Mastercard® card, the transaction amount may be further increased by a percentage established from time to time by us. This Foreign Transaction Fee does not apply to transactions using your HSBC Jade World Debit Mastercard® card or HSBC Premier World Debit Mastercard®

*Investment and annuity products are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. HSI is an affiliate of HSBC Bank USA, N.A

Mortgage and home Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be canceled or are subject to change at any time and cannot be combined with any other offer or discount. Equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for property located in the U.S. Subject to credit approval.

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