HSBC EGA Savings Promo December 2025: Get up to 3% p.a. From December 2025 to February 2026 For SGD Funds
The promo for HSBC EGA this month covers the months of December 2025, January 2026, and February 2026. It offers up to 2% p.a. of bonus interest, though the rates step down over the months. With HSBC Everyday+ Rewards Programme’s 1% p.a. bonus interest, it is possible to get a max of 3% p.a. for the month of December 2025 and 2.80% p.a. for February 2026.
Promo Details
Only accounts opened on or before 31st August 2025 can qualify. Those who are currently enrolled in previous promos (such as October 2025 and November 2025’s promos which cover December 2025) will also not be eligible for this promo.
To qualify for the promo, you need to register:
| Option 1: SMS | Option 2: App |
|---|---|
| Send the following text message to 74722 from 1st to 31st December 2025: EGA<space>First 9-digit of their Everyday Global Account number (e.g. EGA 123456789) | Register via the HSBC Singapore app |
Interest Tiers
Bonus interest is given on incremental balances compared to the month of November 2025.
| Customer Segment | Incremental ADB | Prevailing Interest Rate | December 2025 Bonus Interest Rate | January 2026 Bonus Interest Rate | February 2026 Bonus Interest Rate |
|---|---|---|---|---|---|
| Customers with wealth holdings | >S$0 | 0.05% p.a. | 1.95% p.a. | 1.90% p.a. | 1.75% p.a. |
| Customers without wealth holdings | >S$0 | 0.05% p.a. | 1.55% p.a. | 1.50% p.a. | 1.35% p.a. |
Customers are deemed to have wealth holdings if they hold Unit Trusts, Equities, Bonds, Structured Products, Regular Premium insurance policies and Single Premium insurance policies with HSBC by 31st March 2026. Foreign Exchange (FX) and Dual Currency Plus are not eligible.
There is no minimum amount specified, so even a small amount of investments should be counted as wealth holdings.
HSBC states that bonus interest will be credited by April 2026.
1% p.a. bonus interest for meeting HSBC Everyday+ Rewards programme
An additional 1% p.a. interest is awarded on fresh funds (compared to the preceding month) for meeting the HSBC Everyday+ Rewards programme.
Take note that this bonus interest will end from 1st July 2026 onwards.
Get 3% p.a. in December 2025 and 2.8% p.a. in February 2026
One way to optimise this promo is to empty your account in January 2026 so that your funds would be “fresh” again for Everyday+’s 1% p.a. bonus interest:
| November 2025 | December 2025 | January 2026 | February 2026 | |
|---|---|---|---|---|
| Hypothetical Average Balance | S$0 | S$100,000 | S$0 | S$100,000 |
| Base Interest | N/A | ✅ 0.05% p.a. on S$100,000 | N/A | ✅ 0.05% p.a. on S$100,000 |
| Promo Interest | N/A | ✅ 1.95% p.a. on S$100,000 | N/A | ✅ 1.75% p.a. on S$100,000 |
| Everyday+ Interest | N/A | ✅ 1% p.a. on S$100,000 | N/A | ✅ 1% p.a. on S$100,000 |
| Effective Rate | N/A | 3% p.a. | N/A | 2.8% p.a. |
If you just placed funds in December 2025 and left it till February, this is what you can expect to receive instead:
| November 2025 | December 2025 | January 2026 | February 2026 | |
|---|---|---|---|---|
| Hypothetical Average Balance | S$0 | S$100,000 | S$100,000 | S$100,000 |
| Base Interest | N/A | ✅ 0.05% p.a. on S$100,000 | ✅ 0.05% p.a. on S$100,000 | ✅ 0.05% p.a. on S$100,000 |
| Promo Interest | N/A | ✅ 1.95% p.a. on S$100,000 | ✅ 1.90% p.a. on S$100,000 | ✅ 1.75% p.a. on S$100,000 |
| Everyday+ Interest | N/A | ✅ 1% p.a. on S$100,000 | ❌ | ❌ |
| Effective Rate | N/A | 3% p.a. | 1.95% p.a. | 1.8% p.a. |
See terms and conditions for full details
Please note that this article is based on my understanding of the terms and conditions. Refer to the document for exact details and do save a copy for your future reference.
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Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.
He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.
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