If you need an account that offers you instant access to your funds while fetching you attractive interest on your balances, then Smart Account is the right choice. Available with a cheque book, this account can be opened with 3 other joint account-holders to help you manage your finances better.
Smart Account
Features You Need And Deserve
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Choice Of Currencies
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Competitive Interest Rates
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Cheque Book Facility
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Joint Account
SMART Account Rates
| Currency | Interest Rate |
|---|---|
| USD | 0.02% |
| HKD | 0.05% |
All Interest rates are on per annum basis.
Please Note: All rates shown above are for indication only. Please contact the branch for firm rates and other currency exchange rates.
- Products and services described herein are not available to all persons in all geographic locations. Persons are required to ensure that they are aware of and observe all relevant restrictions that apply to them and are responsible for satisfying themselves that they may do so under the laws or the jurisdiction applicable to them.
- The information contained herein is for general information only without warranty of any kind and may be changed at any time without prior notice.
- No information contained herein should be regarded as an offer to sell, to subscribe to, or provide any recommendation.
- To the extent permitted by applicable law, the Bank disclaims liability for any error, omissions or inaccuracies in the information and material provided and for any loss or damages incidental or consequential, resulting from its use or inability to use by any party, or in connection with any error, interruption,delay in operation etc.
- Please refer to relevant terms and conditions. The Bank reserves the right to suspend, vary or discontinue any promotional offers and services of any any time without further notice. The Bank also reserves the right to revise any interest rate, fees and charges from time to time subject to Bank's notice for any such variance. In case of any dispute, the decision of the Bank shall be final.
Frequently Asked Questions
Smart Account is a cheque account that earns interest on the balances maintained and has the flexibility of usage through a cheque book.
HDFC Bank Limited, Hong Kong Branch is a member of the Deposit Protection Scheme in Hong Kong. Smart Accounts (including credit balance in Overdraft Accounts) opened by the bank are protected by the scheme up to a limit of HK$800,000 per depositor. Further information on Deposit Protection Scheme in Hong Kong can be found at www.dps.org.hk
A Smart Account can be opened in Hong Kong Dollar and/or United States Dollar.
However, both accounts are separate and cannot be linked to each other.
Yes, please refer to the schedule of charges for a Smart Account.
Yes. You can open a joint account with others up to a maximum of 3 joint holders.
You can open a Smart Account either through your Relationship Manager or just walk into HDFC Bank Hong Kong branch.
Yes, remittance facility is available. HDFC Bank's Hong Kong branch is a member of USD and HKD CHATS.
Cheques deposited till 3.30 p.m. is sent for clearing the same day. Clear Funds will be available the next working day after 3.00 p.m. with a value date of the date of deposit of the cheque. Cheques deposited after this time will be sent for clearing the next working day.
For cheques payable overseas, the clear funds will be available only upon collection net of charges as per schedule of charges governing Smart accounts.