HSBC EGA Savings Promo November 2025: Get up to 3% p.a. From November to December 2025 For SGD Funds
HSBC has rolled out its monthly EGA promo for the month of November 2025 and it covers the months of November and December 2025. The promo offers up to 2% p.a. of bonus interest, and as usual it can stack with HSBC Everyday+ Rewards Programme’s 1% p.a. bonus interest giving a total of 3% p.a. for a single month.
The bank is also offering up to 5% p.a. for USD deposits. Stay subscribed for updates.
Promo Details
To qualify for the SGD promo, you need to register by sending the following text message to 74722 from 1st to 30th November 2025:
EGA<space>First 9-digit of their Everyday Global Account number (e.g. EGA 123456789).
Only accounts opened on or before 31st July 2025 can qualify.
Interest Tiers
| Customer Segment | Incremental ADB | Prevailing Interest Rate | Bonus Interest Rate | Total Interest Rate on Incremental ADB |
|---|---|---|---|---|
| Customers with wealth holdings | >S$0 | 0.05% p.a. | 1.95% p.a. | 2.00% p.a. |
| Transactionally engaged customers | >S$0 | 0.05% p.a. | 1.50% p.a. | 1.55% p.a. |
To qualify as a “customer with wealth holdings”, you need to hold eligible wealth product(s) by 31st January 2026. Such products include Unit Trusts, Equities, Bonds, Structured Products, Regular Premium insurance policies and Single Premium insurance policies. This is relatively easy to fulfil since there is no minimum amount of holdings specified.
Foreign Exchange (FX) and Dual Currency Plus are excluded.
To qualify as a “transactionally engaged customer”, you need to make 7 eligible transactions per month in November and December 2025. Such transactions refer to posted transactions made with a HSBC credit card or HSBC Everyday Global Debit Card.
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.
Possible to get 3.00% p.a. in a single month
Customers with wealth holdings can get as much as 3.00% p.a. for fresh funds when they qualify for both the EGA promo and Everyday+ Rewards Programme.
If your balance in October is S$0 and you deposit S$100,000 in November, you will get 3.00% p.a. on S$100,000 as it satisfies both the EGA promo and Everyday+ Rewards Programme’s 1% bonus interest. In December, however, the S$100,000 will no longer be considered “fresh” for Everyday+ Rewards Programme and will hence only earn 2% p.a. interest:
| October 2025 | November 2025 | December 2025 | |
|---|---|---|---|
| Hypothetical Average Balance | S$0 | 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 |
| Promo Interest | N/A | ✅ 1.95% p.a. on S$100,000 | ✅ 1.95% p.a. on S$100,000 |
| Everyday+ Interest | N/A | ✅ 1% p.a. on S$100,000 | ❌ 1% p.a. on S$100,000 |
| Effective Rate | N/A | 3.00% p.a. | 2.00% p.a. |
The above assumes that you are a customer with wealth holdings.
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.
Subscribe for more deals and updates!
If you’re someone who wants to earn more from credit cards, savings accounts and other financial deals, stay subscribed to the Telegram or WhatsApp so you can be notified of news and deals. Remember to unmute and turn on notifications or the updates may not reach you.
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.
Subscribe to the channel for free updates!
Disclaimer: I may receive an affiliate/referral fee when you sign up for services/products on this site, and such fees keep the site running. I would only recommend services/products I would personally use or recommend to my own friends and family, but I do not provide any warranty or guarantee for the quality of these services/products. Thank you for supporting my site!
Please exercise due diligence when signing up for any service/product as I will not be liable for any personal loss, financial or otherwise. Content published here are my sole views and personal opinion, and none of the information here constitutes personal financial advice nor represents the views of my employer(s).