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Savings & Investments

Savings & Investments

Perhaps you want to accumulate secure funds for a comfortable retirement or your children’s education. Alternatively, you may relish the high growth potential of less predictable investments. Our relationship managers that are deeply experienced in investment assist you with getting the right investment products.


We aim to offer the best rates and the most suitable maturity options for all your TRY and foreign currency accounts 1.

Modern Account

Modern Account 2 is a new savings product that offers preferential O/N rates on the account and also enables customers to make daily banking transactions easily. Its transactional side allows customers to have a seamless banking experience while allowing them to have 24/7 access to their accounts. They can make all their payments, cash deposits and withdrawals all day long, fee free money transfers via internet/mobile banking and still earn a O/N interest on the account. It also notifies customers of their payments’ status both before and after the payment made. Modern Account helps our customers simplify their busy lives, freeing time to spend on their loved ones.

Gold Account

With HSBC Gold Account 3, you may easily invest in gold with no risk of theft, loss and fraud; similar to foreign currency exchange transactions. If you would like, you may also manage your investments with gold time deposit accounts.


A comprehensive wealth management service and a variety of investments options to help you grow your money.

Discretionary Portfolio Management 4

Discretionary Portfolio Management is a service provided by HSBC Asset Management; investment specialists investing in a pool of investment instruments that collectively match each client’s specific need in various risk and return combinations.

1 HSBC Bank reserves the right to change interest/discount rates and commissions/fee.

2In Modern Account, daily interest rate is applied to the remaining balance on your account. Threshold limits to earn interest are minimum TRY 2,000 and maximum TRY 100,000. You earn interest yield for the balance above TRY 2,000 in your account. Daily interest rate represents annually gross interest rate. HSBC Bank A.Ş. reserves the right to change interest rates. No account maintenance fee is charged during the savings period of Modern Account. Money transfers can not be made from your Modern Account during savings period.

3 You may buy-sell gold through TRY, USD, EUR and GBP current accounts and open a gold current account and execute buy-sell transactions with 0.01 gr and its multiples. Gold transactions are executed with 995/1000 purity. Maximum daily transaction limit is 3,000 gr in HSBC Internet Banking, Telephone Banking and ATMs and there is no maximum limit in branches. You may also invest in Gold Time Deposit Account with your savings in Gold Current Account and benefit from interest income. Gold Time Deposit Account can be opened with minimum 300 gr of gold and minimum tenor of gold time deposit account is one month.

4 The specified services are provided by HSBC Yatırım Menkul Değerler A.Ş. HSBC Yatırım Menkul Değerler A.Ş. is mediated by these transactions as agent.

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