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Halaman Saving Account Promo

Bonus interest for HSBC Savings Account

Top up your HSBC savings balance and get total interest up to:



Valid for 3 months

Terms and condition


Illustration

HSBC Advance New Customer


Account Open in February 2017


HSBC Premier New Customer


Account Open in March 2017.

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1500 808

Or (+6221) 2552 6603
(if you are calling from overseas)

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1500 501

HSBC Premier

1500 700

Or (+6221) 2551 4722
(if you are calling from overseas)

For other ways to reach us, click here



If you have a previously saved HSBC Credit Card Online Application you may resume here

More info

PT Bank HSBC Indonesia is registered and supervised by Financial Services Authority (OJK), Bank Indonesia (BI)
and also a participant of Indonesia Deposit Insurance Corporation (LPS) guarantee program

 
  1. Promotion lasts from 1 February 2017 – 31 May 2017 (“Promotion period”)
  2. Promotion is only eligible for new Advance (“ADV”) or Premier (“HP”) customers who open Saving Account in Indonesian Rupiah currency during the Promotion Period
  3. During the Promotion Period, customers are entitled to get monthly additional bonus (“Bonus Interest”) if there is enough Average Daily Balance (“ADB”) in customer’s Saving Account with below criteria
    1. Average Daily Balance (“ADB”) during Promotion Period is included in below tier:

      Bonus Interest Tiering - Advance
      Tier ADB (in IDR) Bonus Interest Rate (p.a.) Saving Interest Rate (p.a.) Blended Interest Rate (p.a.)
      1 10,000,000 – 24,999,999 0.5% 0.5% 1%
      2 25,000,000 – 49,999,999 0,75% 0.5% 1.25%
      3 50,000,000 – 100,000,000 1% 0.5% 1.5%

      Bonus Interest Tiering - Premier
      Tier ADB (in IDR) Bonus Interest Rate (p.a.) Saving Interest Rate (p.a.) Blended Interest Rate (p.a.)
      1 50,000,000 – 99,999,999 1.25% 0.5% 1.75%
      2 100,000,000 – 249,999,999 1.5% 0.75% 2,25%
      3 250,000,000 -  499,999,999 1.75% 0.75% 2.5%
      4 500,000,000 - 999,999,999 2% 1% 3%
      5 1,000,000,000 – 2,000,000,000 2.5% 2% 4.5%
      *p.a. is per annum

      Bonus interest is in the form of interest rate according to above table which will be calculated by multiplying that interest rate with ADB every month during Promotion Period


      If customer’s ADB exceeds IDR 100,000,000 for ADV category and IDR 2,000,000,000 for HP category, then bonus interest that will be given is only 1% p.a from IDR 100,000,000 (ADV) and 2.5% from IDR 2,000,000,000 (HP) (maximum cap). Combination of ADB from sole account and joint account is not applicable


      Illustration: ADV customer has ADV sole account with ADB IDR 5,000,000 and ADV joint account with ADB 6,000,000. In this case, customer will not get any bonus interest since ADB from each account does not qualify minimum requirement for ADV, which is IDR 10,000,000.
    2. Customer can only participate in NTB Bonus Interest program on the month when new saving account is opened and the following 2 months. ADB calculation in the first month starts since account opening date, regardless of it is funded already or not, and ends on the last date of that particular month. ADB calculation for the following 2 months will be calculated for full month.

      Illustration: If customer opens a new saving account on 18 February 2017, customer’s ADB calculation will start from the date of account opened until 28 February 2017 (11 days). Then, ADB for the following month will be recalculated from 1 March 2017 – 31 March 2017 (31 days). ADB will be recalculated again in the same way for the next month, which is from 1 April 2017 – 30 April 2017 (30 days)
  4. Bonus interest will be calculated at the end of month and will be paid separately from other interest (if any) which will be paid in the form of credit balance to customer’s saving account
  5. Bonus interest will be credited to customer’s saving account in Indonesian Rupiah, on last day of the following month at the latest. Illustration: Bonus interest for ADB which is calculated in February 2017 will be credited in March 2017 and likewise for the next 2 months
  6. Bonus interest will be subject to withholding tax
  7. While other interest (if any) in customer’s saving account will be calculated daily and paid monthly to customer’s saving account
  8. Calculation of bonus interest will follow HSBC’s calculation. Customer can raise questions and/or concerns regarding reward calculation discrepancy which should have been received by Customer until 30 June 2017 at the latest. All questions and/or concerns raised after that date will not be accepted by the Bank
  9. This Promotion is not valid with other offers or promotions unless otherwise stated on its terms and condition
  10. The Bank may, at its discretion, revise these Terms and Conditions (including but not limited to varying the Promotional Period) or withdraw this Promotion at any time with prior notice
  11. These Terms and Conditions are prepared in Indonesian language and English. In the event of discrepancy between the two versions, the Indonesian language version shall prevail
  12. For further information, you may visit nearest HSBC branch or contact HSBC Call Center at 1 500 808 for Advance or 1 500 700 for Premier


 
 
Day Feb Day Mar Day Apr
1   1 15,000,000 1 70,000,000
2   2 35,000,000 2 70,000,000
3   3 35,000,000 3 70,000,000
4   4 35,000,000 4 70,000,000
5   5 35,000,000 5 70,000,000
6 15,000,000 6 35,000,000 6 100,000,000
7 15,000,000 7 35,000,000 7 100,000,000
8 15,000,000 8 50,000,000 8 100,000,000
9 10,000,000 9 50,000,000 9 100,000,000
10 10,000,000 10 50,000,000 10 100,000,000
11 10,000,000 11 50,000,000 11 100,000,000
12 10,000,000 12 50,000,000 12 100,000,000
13 10,000,000 13 50,000,000 13 150,000,000
14 10,000,000 14 50,000,000 14 150,000,000
15 10,000,000 15 50,000,000 15 150,000,000
16 10,000,000 16 50,000,000 16 150,000,000
17 10,000,000 17 50,000,000 17 150,000,000
18 10,000,000 18 50,000,000 18 150,000,000
19 5,000,000 19 50,000,000 19 150,000,000
20 5,000,000 20 70,000,000 20 150,000,000
21 5,000,000 21 70,000,000 21 150,000,000
22 5,000,000 22 70,000,000 22 150,000,000
23 5,000,000 23 70,000,000 23 150,000,000
24 5,000,000 24 70,000,000 24 150,000,000
25 5,000,000 25 70,000,000 25 150,000,000
26 5,000,000 26 70,000,000 26 150,000,000
27 5,000,000 27 70,000,000 27 150,000,000
28 5,000,000 28 70,000,000 28 150,000,000
    29 70,000,000 29 150,000,000
    30 70,000,000 30 150,000,000
    31 70,000,000    
Total 195,000,000 Total 1,455,000,000 Total 3,450,000,000
Total ADB (Total / 28 days) 6,964,286 Total ADB (Total / 31 days) 46,935,484 Total ADB (Total / 30 days) 115,000,000
Promo ADB (Total / 23 days) 8,478,261 Promo ADB (Total / 31 days) 46,935,484 Promo ADB (Total / 30 days) 115,000,000
romo ADB eligible for bonus rate based on Tier defined NOT ELIGIBLE  Promo ADB eligible for bonus rate based on Tier defined 46,935,484 Promo ADB eligible for bonus rate based on Tier defined 100,000,000
Bonus Interest Rate 0% Bonus Interest Rate 0.75% Bonus Interest Rate 1.0%
Bonus Int. Calculation method = 'B' (23 days / 360*Promo ADB*Interest Rate) 0 Bonus Int. Calculation method = 'B' (31 days / 360*Promo ADB*Interest Rate) 30,313 Bonus Int. Calculation method = 'B' (30 days / 360*Promo ADB*Interest Rate) 83,333
Bonus WHT Tax (20%) as defined 0 Bonus WHT Tax (20%) as defined 6,063 Bonus WHT Tax (20%) as defined 16,667

Illustration 1 describes customer who has opened a saving account and funded at the same date which is on 6 February 2017 with amount IDR 15,000,000. However, customer withdraws some amount of money for some times which results in overall ADB at end of month is only IDR 8,478,261, hence customer is not eligible for bonus interest because ADB is still below IDR 10,000,000.



ADB calculation for the following month starts on 1 March 2017 until 31 March 2017, and at the end of March, there is a total of IDR 46,935,484 of ADB after calculating for the whole month of March 2017. As this ADB is included in the tier 2 of ADV, thus the customer is entitled to get bonus interest as much as 0.75% p.a.



ADB calculation for April 2017 also starts from 1 April 2017 to 30 April 2017. At the end of April 2017, the ADB was found to be IDR 115,000,000. This ADB has exceed the maximum cap of tier 3 of ADV, which is IDR 100,000,000. Due to this, customer is only entitled to get bonus interest as much as 1% p.a. which is the maximum ADB that is set from the tier for ADV category, which is IDR 100,000,000



 
 
Day Mar   Apr   May
1   1 200,000,000 1 1,200,000,000
2   2 200,000,000 2 1,200,000,000
3   3 200,000,000 3 1,200,000,000
4   4 200,000,000 4 2,000,000,000
5   5 450,000,000 5 2,000,000,000
6   6 450,000,000 6 2,000,000,000
7   7 450,000,000 7 2,000,000,000
8   8 450,000,000 8 2,000,000,000
9   9 450,000,000 9 2,000,000,000
10 - 10 450,000,000 10 2,000,000,000
11 - 11 600,000,000 11 2,000,000,000
12 - 12 600,000,000 12 2,000,000,000
13 - 13 600,000,000 13 2,000,000,000
14 - 14 600,000,000 14 2,000,000,000
15 - 15 600,000,000 15 2,000,000,000
16 - 16 600,000,000 16 2,300,000,000
17 - 17 600,000,000 17 2,300,000,000
18 - 18 600,000,000 18 2,300,000,000
19 100,000,000 19 1,000,000,000 19 2,300,000,000
20 100,000,000 20 1,000,000,000 20 2,300,000,000
21 100,000,000 21 1,000,000,000 21 2,300,000,000
22 75,000,000 22 1,000,000,000 22 2,300,000,000
23 75,000,000 23 1,000,000,000 23 2,300,000,000
24 75,000,000 24 1,200,000,000 24 2,300,000,000
25 60,000,000 25 1,200,000,000 25 2,300,000,000
26 60,000,000 26 1,200,000,000 26 2,300,000,000
27 60,000,000 27 1,200,000,000 27 2,300,000,000
28 60,000,000 28 1,200,000,000 28 2,300,000,000
29 60,000,000 29 1,200,000,000 29 2,300,000,000
30 60,000,000 30 1,200,000,000 30 2,300,000,000
31 200,000,000     31 2,300,000,000
Total 1,085,000,000 Total 21,700,000,000 Total 64,400,000,000
Total ADB (Total / 31 days) 35,000,000 Total ADB (Total / 30 days) 723,333,333 Total ADB (Total / 31 days) 2,077,419,355
Promo ADB (Total / 22 days) 49,318,182 Promo ADB (Total / 30 days) 723,333,333 Promo ADB (Total / 31 days) 2,077,419,355
Promo ADB eligible for bonus rate based on Tier defined NOT ELIGIBLE  Promo ADB eligible for bonus rate based on Tier defined 723,333,333 Promo ADB eligible for bonus rate based on Tier defined 2,000,000,000
Bonus Interest Rate 0% Bonus Interest Rate 2.00% Bonus Interest Rate 2.5%
Bonus Int. Calculation method = 'B' (22 days / 360*Promo ADB*Interest Rate) 0 Bonus Int. Calculation method = 'B' (30 days / 360*Promo ADB*Interest Rate) 1,205,556 Bonus Int. Calculation method = 'B' (31 days / 360*Promo ADB*Interest Rate) 4,305,556
Bonus WHT Tax (20%) as defined 0 Bonus WHT Tax (20%) as defined 241,111 Bonus WHT Tax (20%) as defined 861,111

Illustration 2 describes customer who has opened a saving account since 10 March 2017 but just has it funded on 19 March 2017. Even though the amount of money that is funded is IDR 100,000,000, overall ADB since the account opening date (10 March 2017) is IDR 49,318,182, hence customer is not eligible for the bonus interest because ADB is still below IDR 50,000,000, which is the minimum limit in Tier 1 for HP.



For April 2017, as customer’s ADB is calculated from 1 April 2017 to 30 April 2017, hence the total ADB is counted for the whole month, therefore the total ADB in April 2017 is IDR 723,333,333, which is included in tier 2 for HP category, and the customer is entitled for 2% bonus interest.



The calculation of ADB for May 2017 starts from 1 May 2017 to 31 May 2017. After calculating the total ADB at the end of the month, customer ADB will be IDR 2,077,419,355. This ADB has exceed the maximum limit of tier 3 of HP, which is IDR 2,000,000,000. Therefore, the customer is only entitled to receive 2.5% p.a. bonus interest for the maximum cap which was set in the tier for HP, which is IDR 2,000,000,000.