Day to Day Account
HSBC Day to Day Account is an everyday bank account with no monthly account fees, unlimited electronic transactions at any ATMs in Australia without charge from HSBC*, and a Visa Debit Card. *ATM operator fees may apply
- Base rate
- 0%
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable | 0% | — | monthly |
Fees
| Fee | Type | Amount |
|---|---|---|
| International Transfer from a bank to your HSBC account This fee applies to receiving payment into the account in AUD, a foreign currency or a currency different to your account | Deposit | $10.00 |
| Transfer from a local bank to your HSBC account in a foreign currency | Deposit | $10.00 |
| Real Time Gross Settlement Transfer (RTGS) from a local bank to your HSBC account in AUD | Deposit | $10.00 |
| Foreign currency cheques/drafts issued by a bank and paid into your HSBC account This fee applies to receiving payment into the account in AUD, the same foreign currency or a different foreign currency | Deposit | $10.00 |
| International Transfer made via HSBC Branch You can choose to pay a Correspondent Bank Cover Fee of AUD30, and we will cover the intermediary/correspondent bank charges.If you do not wish to pay the Correspondent Bank Cover Fee, you can have the intermediary/correspondent bank fees charged to the recipient. This means the amount the payee receives will be less than the amount you send as any intermediary/correspondent bank fees will be automatically deducted. | Payment | $20.00 |
| International Transfer made via Online Banking |
Features
- Card access — Visa Debit Card
- Digital wallet — Apple Pay
- Digital banking
- Digital wallet — Google Pay
- Real-time payments (NPP)
Eligibility
- Minimum age — Minors aged 12 can apply account in joint name with parent/guardian. Minors aged 16 can apply in own name years
- You must have an Australian residential address
- Day to day account can be opened under trust, including SMSF and Non- Trading Entity. Trust accounts are only available via Branch / Contact Centre. Not available via HSBC Website.
More Information
Published by HSBC under the Consumer Data Right · Last updated 12 January 2026 · Product ID CMG · View on CDR.gov.au