Term Deposit Saving Rates

Term Deposit Rates

rates are indicative only and subject to change without notice
all rates are quoted as Annual Rates of Return

(Date format is dd/mm/yyyy)
Rates as of:
28/11/2023, 9:00 am

(Date format is dd/mm/yyyy)
Rates as of:	28/11/2023, 9:00 am

Bermuda Dollar (BMD) / United States Dollar (USD)
Term	5,000+	10,000+	50,000+	100,000+	500,000+	1,000,000+
3 Months	1.6127	1.6127	1.6127	1.7209	1.8291	1.9372
6 Months	1.66	1.66	1.66	1.7682	1.8764	1.9846
1 Year	1.8374	1.8374	1.8374	1.9424	2.0473	2.1523
2 Years	2.0604	2.0604	2.0604	2.1573	2.2542	2.3511
3 Years	2.0786	2.0786	2.0786	2.1707	2.2629	2.355
4 Years	2.171	2.171	2.171	2.2616	2.3521	2.4427
5 Years	2.3699	2.3699	2.3699	2.4589	2.5479	2.6368

Bermuda Dollar (BMD) / United States Dollar (USD)
Term	3 Months
5,000+	1.6127
10,000+	1.6127
50,000+	1.6127
100,000+	1.7209
500,000+	1.8291
1,000,000+	1.9372

Term	6 Months
5,000+	1.66
10,000+	1.66
50,000+	1.66
100,000+	1.7682
500,000+	1.8764
1,000,000+	1.9846

Term	1 Year
5,000+	1.8374
10,000+	1.8374
50,000+	1.8374
100,000+	1.9424
500,000+	2.0473
1,000,000+	2.1523

Term	2 Years
5,000+	2.0604
10,000+	2.0604
50,000+	2.0604
100,000+	2.1573
500,000+	2.2542
1,000,000+	2.3511

Term	3 Years
5,000+	2.0786
10,000+	2.0786
50,000+	2.0786
100,000+	2.1707
500,000+	2.2629
1,000,000+	2.355

Term	4 Years
5,000+	2.171
10,000+	2.171
50,000+	2.171
100,000+	2.2616
500,000+	2.3521
1,000,000+	2.4427

Term	5 Years
5,000+	2.3699
10,000+	2.3699
50,000+	2.3699
100,000+	2.4589
500,000+	2.5479
1,000,000+	2.6368

British Pounds (GBP)
Term	5,000+	10,000+	50,000+	100,000+	500,000+	1,000,000+
3 Months	0.9368	0.9368	0.9368	0.9368	0.9368	0.9368
6 Months	0.9988	0.9988	0.9988	0.9988	0.9988	0.9988
1 Year	0.9748	0.9748	0.9748	0.9748	0.9748	0.9748
2 Years	0.9182	0.9182	0.9182	0.9182	0.9182	0.9182
3 Years	0.848	0.848	0.848	0.848	0.848	0.848
4 Years	0.8168	0.8168	0.8168	0.8168	0.8168	0.8168
5 Years	0.817	0.817	0.817	0.817	0.817	0.817

British Pounds (GBP)
Term	3 Months
5,000+	0.9368
10,000+	0.9368
50,000+	0.9368
100,000+	0.9368
500,000+	0.9368
1,000,000+	0.9368

Term	6 Months
5,000+	0.9988
10,000+	0.9988
50,000+	0.9988
100,000+	0.9988
500,000+	0.9988
1,000,000+	0.9988

Term	1 Year
5,000+	0.9748
10,000+	0.9748
50,000+	0.9748
100,000+	0.9748
500,000+	0.9748
1,000,000+	0.9748

Term	2 Years
5,000+	0.9182
10,000+	0.9182
50,000+	0.9182
100,000+	0.9182
500,000+	0.9182
1,000,000+	0.9182

Term	3 Years
5,000+	0.848
10,000+	0.848
50,000+	0.848
100,000+	0.848
500,000+	0.848
1,000,000+	0.848

Term	4 Years
5,000+	0.8168
10,000+	0.8168
50,000+	0.8168
100,000+	0.8168
500,000+	0.8168
1,000,000+	0.8168

Term	5 Years
5,000+	0.817
10,000+	0.817
50,000+	0.817
100,000+	0.817
500,000+	0.817
1,000,000+	0.817

Canadian Dollars (CAD)
Term	5,000+	10,000+	50,000+	100,000+	500,000+	1,000,000+
3 Months	0.8014	0.8014	0.8014	0.8014	0.8014	0.8014
6 Months	1.005	1.005	1.005	1.005	1.005	1.005
1 Year	1.4922	1.4922	1.4922	1.4922	1.4922	1.4922

Canadian Dollars (CAD)
Term	3 Months
5,000+	0.8014
10,000+	0.8014
50,000+	0.8014
100,000+	0.8014
500,000+	0.8014
1,000,000+	0.8014

Term	6 Months
5,000+	1.005
10,000+	1.005
50,000+	1.005
100,000+	1.005
500,000+	1.005
1,000,000+	1.005

Term	1 Year
5,000+	1.4922
10,000+	1.4922
50,000+	1.4922
100,000+	1.4922
500,000+	1.4922
1,000,000+	1.4922

Australian Dollars (AUD)
Term	5,000+	10,000+	50,000+	100,000+	500,000+	1,000,000+
3 Months	0.8638	0.8638	0.8638	0.8638	0.8638	0.8638
6 Months	0.8496	0.8496	0.8496	0.8496	0.8496	0.8496
1 Year	0.8214	0.8214	0.8214	0.8214	0.8214	0.8214

Australian Dollars (AUD)
Term	3 Months
5,000+	0.8638
10,000+	0.8638
50,000+	0.8638
100,000+	0.8638
500,000+	0.8638
1,000,000+	0.8638

Term	6 Months
5,000+	0.8496
10,000+	0.8496
50,000+	0.8496
100,000+	0.8496
500,000+	0.8496
1,000,000+	0.8496

Term	1 Year
5,000+	0.8214
10,000+	0.8214
50,000+	0.8214
100,000+	0.8214
500,000+	0.8214
1,000,000+	0.8214

New Zealand Dollars (NZD)
Term	5,000+	10,000+	50,000+	100,000+	500,000+	1,000,000+
3 Months	1.1157	1.1157	1.1157	1.1157	1.1157	1.1157
6 Months	1.1251	1.1251	1.1251	1.1251	1.1251	1.1251
1 Year	1.144	1.144	1.144	1.144	1.144	1.144

New Zealand Dollars (NZD)
Term	3 Months
5,000+	1.1157
10,000+	1.1157
50,000+	1.1157
100,000+	1.1157
500,000+	1.1157
1,000,000+	1.1157

Term	6 Months
5,000+	1.1251
10,000+	1.1251
50,000+	1.1251
100,000+	1.1251
500,000+	1.1251
1,000,000+	1.1251

Term	1 Year
5,000+	1.144
10,000+	1.144
50,000+	1.144
100,000+	1.144
500,000+	1.144
1,000,000+	1.144

Everyday Savings Rates

(Date format is dd/mm/yyyy)
Rates as of:
28/11/2023, 9:00 am

(Date format is dd/mm/yyyy)
Rates as of:	28/11/2023, 9:00 am

Bermuda Dollar (BMD)
Currency	0 to 49999.99	50,000 to 99999.99	100,000 to 199999.99	200,000 to 499999.99	500,000 to 999999.99	1,000,000+
Bermuda Dollar (BMD)	0.01	0.05	0.05	0.1	0.1	0.15

Bermuda Dollar (BMD)
Currency	Bermuda Dollar (BMD)
0 to 49999.99	0.01
50,000 to 99999.99	0.05
100,000 to 199999.99	0.05
200,000 to 499999.99	0.1
500,000 to 999999.99	0.1
1,000,000+	0.15

Other Currencies
Currency	Rate
Canada Dollar (CAD)	0.01
Euro (EUR)	0
British Pound (GBP)	0.01
United States Dollar (USD)	0.01
Australian Dollar (AUD)	0.01
Danish Krone (DKK)	0
Japanese Yen (JPY)	0
New Zealand Dollar (NZD)	0.01
Norwegian Krone (NOK)	0
Singapore Dollar (SGD)	0
Swiss Franc (CHF)	0
Swedish Krone (SEK)	0

Other Currencies
Currency	Canada Dollar (CAD)
Rate	0.01

Currency	Euro (EUR)
Rate	0

Currency	British Pound (GBP)
Rate	0.01

Currency	United States Dollar (USD)
Rate	0.01

Currency	Australian Dollar (AUD)
Rate	0.01

Currency	Danish Krone (DKK)
Rate	0

Currency	Japanese Yen (JPY)
Rate	0

Currency	New Zealand Dollar (NZD)
Rate	0.01

Currency	Norwegian Krone (NOK)
Rate	0

Currency	Singapore Dollar (SGD)
Rate	0

Currency	Swiss Franc (CHF)
Rate	0

Currency	Swedish Krone (SEK)
Rate	0

Quarterly Bonus Saver Rate

(Date format is dd/mm/yyyy)
Rates as of:
05/01/2023, 9:00 am

(Date format is dd/mm/yyyy)
Rates as of:	05/01/2023, 9:00 am

BMD
Rates	100 to 500,000+
Standard Rate¹	0.05
Bonus Rate²	0.45
Total AER³	0.50

BMD
Rates	Standard Rate¹
100 to 500,000+	0.05

Rates	Bonus Rate²
100 to 500,000+	0.45

Rates	Total AER³
100 to 500,000+	0.50

USD
Rates	100 to 500,000+
Standard Rate¹	0.05
Bonus Rate²	0.45
Total AER³	0.50

USD
Rates	Standard Rate¹
100 to 500,000+	0.05

Rates	Bonus Rate²
100 to 500,000+	0.45

Rates	Total AER³
100 to 500,000+	0.50

CAD
Rates	100 to 500,000+
Standard Rate¹	0.05
Bonus Rate²	0.20
Total AER³	0.25

CAD
Rates	Standard Rate¹
100 to 500,000+	0.05

Rates	Bonus Rate²
100 to 500,000+	0.20

Rates	Total AER³
100 to 500,000+	0.25

¹ AER - Interest earned on an annual basis.

²Interest paid in addition to the standard rate if no withdrawals are made within a Qualifying 3 Month period.

³AER – Annual Equivalent Rate which is interest earned on an annual basis.

MySavings Youth Account Interest Rates

**Balance up to $15,000**
Rate	Interest
Standard interest rate	0.80%* AER
Bonus interest rate	0.45% AER
Total APR (if no withdrawals are made)	1.25% AER

**Balance up to $15,000**
Rate	Standard interest rate
Interest	0.80%* AER

Rate	Bonus interest rate
Interest	0.45% AER

Rate	Total APR (if no withdrawals are made)
Interest	1.25% AER

**Balance over $15,000**
Rate	Interest
Standard interest rate	0.05%** AER
Bonus interest rate	0.45% AER (up to $200k)
Total APR (if no withdrawals are made)	0.50% AER

**Balance over $15,000**
Rate	Standard interest rate
Interest	0.05%** AER

Rate	Bonus interest rate
Interest	0.45% AER (up to $200k)

Rate	Total APR (if no withdrawals are made)
Interest	0.50% AER

*Balances up to $15,000 will earn the higher rate of interest.
**Only the part of the balance above $15,000 will earn the lower interest rate.

**Balance up to $15,000**
Rate	Interest
Standard interest rate	0.05%* AER
Bonus interest rate	0.45% AER
Total APR (if no withdrawals are made)	0.50% AER

**Balance up to $15,000**
Rate	Standard interest rate
Interest	0.05%* AER

Rate	Bonus interest rate
Interest	0.45% AER

Rate	Total APR (if no withdrawals are made)
Interest	0.50% AER

**Balance up to $15,000**
Rate	Interest
Standard interest rate	0.05%* AER
Bonus interest rate	0.20% AER
Total APR (if no withdrawals are made)	0.25% AER

**Balance up to $15,000**
Rate	Standard interest rate
Interest	0.05%* AER

Rate	Bonus interest rate
Interest	0.20% AER

Rate	Total APR (if no withdrawals are made)
Interest	0.25% AER

Disclosure

Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority.

Deposit Rate

Term Deposit Rates

Everyday Savings Rates

Quarterly Bonus Saver Rate

MySavings Youth Account Interest Rates

BMD

USD

CAD

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