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HSBC Advance

A smart collection of flexible banking services designed to fit your life.

Welcome to HSBC Advance

The only constant in life is change. Whether you’re switching careers, starting a family, moving to another country or buying your first home – we know you have different financial needs as your priorities change over time. 


Count on us to be on your side as you build your financial future. Together, we advance. 


We’ll waive1 the $25 / month HSBC Advance chequing account fee when

  • You maintain personal deposits & investments of $5,000 or more with us, OR
  • You hold a personal mortgage with an original amount of $150,000 or more with us

Apply Now


New to HSBC?

Apply online for an HSBC Advance Chequing Account

HSBC Advance banking includes

  • Unlimited day-to-day banking2
  • 5 rebates / month of  ATM convenience fees when using a non-HSBC Bank Canada or non-Exchange Network ATMs3
  • Free INTERAC® e-Transfers
  • No annual fee HSBC Advance Mastercard®
  • Convenient Online International Money Transfer
  • Secure Mobile & Online banking

More benefits of HSBC Advance

  • No monthly fee HSBC Advance chequing account when  you maintain personal deposits & investments of $5,000 or more with HSBC Bank Canada or if you hold a personal HSBC Bank Canada mortgage with an original amount of $150,000 or more1
  • Unlimited day-to-day HSBC Advance chequing account transactions2
  • Free ATM withdrawals from your HSBC Advance chequing account at any HSBC or EXCHANGE®
      Network ATMs (over 3,500 locations across Canada) 
  • 5 rebates / month of  ATM convenience fees when using a non-HSBC Canada or non- Exchange Network ATMs (maximum rebate of $2.00 / transaction)
  • Complimentary no annual fee HSBC Advance Mastercard®

How to apply for HSBC Advance

Apply online

New to HSBC?

Apply for an HSBC Advance chequing account

Already have an HSBC Personal Chequing Account?

Log on to Online banking in your browser and select "Upgrade to HSBC Advance" under "Banking" from the top menu.

Or give us a call toll free at 1-888-310-4722

1 HSBC Advance requires you to have an active HSBC Advance chequing account and maintain combined personal deposits and investments with HSBC Bank Canada and its subsidiaries of $5,000, or hold a personal HSBC Bank Canada residential mortgage with an original amount of $150,000 or greater. Some exclusions apply. A monthly fee will be charged if you do not meet at least one of the conditions above. For full details regarding any fees which may apply, please refer to the Personal Service Charges/Statement of Disclosure available at any HSBC Bank Canada branch or online at

2 Unlimited day-to-day banking includes cheques, withdrawals and deposits at HSBC Branches and ATMs in Canada, HSBC Telephone and Mobile banking (Canada), withdrawals at more than 3,500 ATMs on THE EXCHANGE Network and Interac® debit purchases at retailers across Canada.

3 Maximum rebate of $2.00 / transaction

4 Global View and Global Transfers are not available in all countries and territories where HSBC Advance is offered. Certain services offered by members of HSBC in Canada may be restricted or unavailable if you move to another jurisdiction or are in another jurisdiction due to the local laws of that jurisdiction. HSBC Group may, however, be able to provide similar services through its members in that jurisdiction. A full list of available countries and a demo can be viewed online.

5 Proper identification and/or additional verification is required for emergency card replacement and emergency encashment. Emergency cash received will be deducted from the HSBC account specified by the client during the request. Some countries may have additional requirements and restrictions.

6 A fee may apply to use this service. Please see our Personal Service Charges/ Statement of Disclosure for more details. For non HSBC Bank Canada customers opening an account in another country, you may be required to open a Canadian HSBC account before your International Account application can be processed.

7 Offered by HSBC Investment Funds (Canada) Inc. (“HIFC”).. HSBC Wealth Compass™ is a trade-mark of HSBC Group Management Services Limited used under license by HIFC.

® THE EXCHANGE and Accel logos are registered trademarks of Fiserv, Inc., licensed for use in Canada by FICANEX Services Limited Partnership

®/TM Mastercard, World Mastercard and World Elite are registered trademarks, and the circles design and tap & go is a trademark of Mastercard International Incorporated. Used pursuant to license

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