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Here’s to friends who share great experiences.

Get rewarded up to $2,000 when friends or family open a qualifying HSBC Premier account using your referral code.1

Your referred friends or family will receive a one-time bonus



Share The Experience of HSBC

You can receive up to $2,000 when friends or family open a qualifying HSBC Premier checking account using your referral code. Plus, they can earn a one-time bonus, up to $400, with qualifying activities. You must be an HSBC Premier client to refer friends or family with this offer. Offer valid from May 2, 2022 - June 30, 2022.

Just share the link below and your referral code with them, and they can get started.

Two easy ways to Share The Experience:

Share your personalized referral code

Your friends or family simply present your referral code when they open the eligible New Account online at or over the phone at 800.975.4722 (HSBC).

Your Referral Code is currently unavailable. Please try again later.

Code unavailable? If you've recently registered for Personal Internet Banking it may take up to two business days to receive your personalized referral code. If your code is still unavailable two business days after registering for Personal Internet Banking, please give us a call at 800.975.4722 (HSBC). We're happy to assist you.

You can also print this page to share

Just print and give to your friends or family. They can use your personalized referral code to open the account online at or over the phone at 800.975.4722 (HSBC).

What happens next?

To receive credit for the referral, the New Account must be opened online at or over the phone at 800.975.4722 (HSBC).

Your referral bonus will be deposited to your qualifying HSBC Premier checking account within 8 weeks of your friend or family’s account opening. Refer to the Terms and Conditions below. 


To speak with an HSBC Representative:

Call : 800.975.4722 (HSBC)

Rules and Requirements

1 Share The Experience Terms and Conditions

Current HSBC Customer: This offer is only valid for customers with an HSBC Premier account in the United States (“Eligible Account”) who have access to HSBC Personal Internet Banking (“PIB”). Offer valid from May 2, 2022 - June 30, 2022 (“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. You will receive a $100 referral bonus (“Referral Bonus”) to your Eligible Account for each referral who opens a New Account, limited to a total of $2,000 Referral Bonuses per calendar year. Refer to PIB for your personalized referral code. The New Account must be opened in a U.S. HSBC Wealth Center, over the phone, or online at 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. The referral’s New Account must remain open for at least 21 calendar days. Customers who currently hold, or have held in the past 3 years, an HSBC consumer deposit or investment account are not eligible to be a referral for purposes of this offer. The individual you refer must provide your personalized referral code at account opening for you to qualify to receive the Referral Bonus.

New Customer: This offer is only valid for new Eligible Accounts (“New Accounts”) opened during the Offer Period in a U.S. HSBC Wealth Center, through HSBC’s customer service line 800.975.4722 (HSBC), or online at, during which a valid personalized referral code is provided by the new customer. You must be at least 18 years of age, have a Social Security Number, currently have a U.S. residential address and have had U.S. residency for the past one year to apply for a deposit account online. Customers who currently hold, or have held in the past 3 years, an HSBC consumer deposit or investment account are not eligible. The New Account must meet qualifying requirements pursuant to the relationship requirements discussed below. If using the combined deposit and/or eligible investment balances for qualification purposes, the balance must be New Money. New Money is defined as deposits or investments not previously held by any member of the HSBC Group in the U.S. For purposes of determining whether you have maintained the Qualifying Balance for this offer, the New Money average balance will be calculated by averaging the end of day balances of each Business Day throughout the total 90 calendar day period. References to establishing and maintaining an investment balance/account is not intended to be a recommendation, as defined by the U.S. 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 to fulfill the qualification requirements for this offer include: 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 Customer Bonus will be deposited to the New Account within 8 weeks from the date the New Account is fully qualified. The New Account Bonus is $400 for a new qualifying HSBC Premier checking account. The New Account must be open without being changed to a product with lower requirements and 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.

To qualify for the HSBC Share The Experience Premier bonus the new account (1) must meet the HSBC Premier Qualifying Balance within 30 calendar days of account opening and you must maintain the minimum eligible required average balance (see below) for 90 calendar days (beginning the day the account is funded with New Money); OR (2) If using another qualifying requirement pursuant to the relationship requirements below, you must meet those requirements within 90 calendar days of account opening. The date of account opening is considered day one for these purposes. 

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.

The Annual Percentage Yields (APYs) and balances for eligible interest bearing HSBC Premier checking accounts which are accurate as of {{currentDate}} is 0.01% APY on balances of $5.00 or more. APY is variable and subject to change after opening. Charges and fees may reduce earnings.

Terms of Use: By using the personalized referral code to refer someone or open an account, each party waives all rights of privacy and confidentiality that each party may have with respect to the fact that each party is aware that the other may be a customer of HSBC Bank USA, N.A. (“HSBC”) or its affiliates, and each party releases and relieves HSBC and its employees and agents from any and all liability in this respect. For both you and the individual who referred you, the bonus deposit(s) to your qualifying Eligible Account will be reported on the applicable IRS form. You and the individual who referred you may be responsible for any tax resulting from the bonus. Please consult your tax advisor if you have questions about the tax treatment of the bonus. Note: Estate and Trust accounts are ineligible to make referrals or be referred under this offer. 

This Offer Terms and Conditions is current as of May 2, 2022. 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.

Mortgage and home 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. 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.

*Investment, annuities, and variable life insurance products are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. In California, HSI conducts insurance business as HSBC Securities Insurance Services. License #: *OE67746. HSI is an affiliate of HSBC Bank USA, N.A. Whole life, universal life, term life, and other types of insurance are offered by HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, N.A. Products and services may vary by state and are not available in all states. California license #: OD36843.

Investments, Annuity and Insurance Products:


Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

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