HSBC EGA Savings Promo October 2025: Get up to 2.10% + 1% p.a. From October to December 2025
HSBC has announced its new monthly EGA promo for the month of October 2025 and it covers the months of October, November, and December 2025. The promo offers up to 2.10% p.a. of bonus interest, and as usual it can stack with HSBC Everyday+ Rewards Programme’s 1% p.a. bonus interest.
Promo Details
To qualify, you need to register by sending the following text message to 74722 from 1st to 31st October 2025:
EGA<space>First 9-digit of their Everyday Global Account number (e.g. EGA 123456789).
Only accounts opened on or before 30th June 2025 can qualify.
Interest Tiers
| Customer Segment | Incremental ADB | Prevailing Interest Rate | October Bonus Interest Rate | November Bonus Interest Rate | December Bonus Interest Rate |
|---|---|---|---|---|---|
| Customers with wealth holdings | >S$0 | 0.05% p.a. | 2.05% p.a. | 2.00% p.a. | 1.95% p.a. |
| Transactionally engaged customers | >S$0 | 0.05% p.a. | 1.55% p.a. | 1.50% p.a. | 1.45% p.a. |
Note that bonus interest rates are credited on fresh funds compared to September 2025’s balance.
Bonus interest will be credited by 28th February 2026.
Customer profiles
Customers with wealth holdings are defined as those who own eligible wealth products with the bank, namely Unit Trusts, Equities, Bonds, Structured Products, Regular Premium insurance policies and Single Premium insurance policies. Foreign Exchange (FX) and Dual Currency Plus are excluded.
Transactionally engaged customers are customers who perform at least 7 eligible transactions in each of the months of October, November, and December 2025. Eligible transactions are defined by HSBC as:
- Posted transactions in SGD made with a HSBC personal Credit Card
- Posted transactions made with a 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 3.10% p.a. for October 2025 and 3.00% p.a. for December 2025
Customers with wealth holdings can get as much as 3.10% p.a. for fresh funds in October 2025 and 3.00% p.a. for December 2025 by emptying their account in November 2025. This is so that funds re-deposited in December 2025 will be “fresh” again for Everyday+’s 1% p.a. bonus interest.
| September 2025 | October 2025 | November 2025 | December 2025 | |
|---|---|---|---|---|
| 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 | ✅ 2.05% p.a. on S$100,000 | N/A | ✅ 1.95% 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 | 3.10% p.a. | N/A | 3.00% p.a. |
You could also just place funds in October 2025 and keep it until end of December 2025. You would then get 3.10% p.a., 2.05% p.a., and finally 2.00% p.a. for the months of October, November, and December 2025 respectively.
| September 2025 | October 2025 | November 2025 | December 2025 | |
|---|---|---|---|---|
| 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 | ✅ 2.05% p.a. on S$100,000 | ✅ 2.00% 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 | ❌ | ❌ |
| Effective Rate | N/A | 3.10% p.a. | 2.05% p.a. | 2.00% 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.
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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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Hmmm the TnC are for Jun2025.
Went to HSBC website, it also show the same thing.