Private Accounts — HSBC Group of Banks

Account Types

Choose Your Account Structure

Four distinct account tiers designed to match your financial complexity and privacy requirements.

⬡

Multi-Currency Current

Hold, send and receive in 40+ currencies from a single IBAN. Automated FX at interbank rates with zero conversion markup for balances above €500,000.

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Private Savings

Tiered interest structures with capital protection. Quarterly compounding on deposits from €100,000. Fully FDIC-equivalent guarantee under Cayman regulatory framework.

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Offshore Segregated

Fully segregated accounts held in your name under Cayman Islands law. No commingling of client assets. Ideal for holding company structures and IBC accounts.

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Trust-Linked Account

Accounts operating within a trust structure for estate planning and generational wealth transfer. Managed by licensed trustees with full beneficiary reporting.

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Corporate Treasury

Centralised treasury management for international holding companies. Sub-accounts by subsidiary, automated sweeping, and consolidated reporting in any base currency.

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Digital Asset Linked

Fiat accounts with a dedicated crypto on/off ramp. Institutional custody for BTC, ETH and 30+ digital assets alongside traditional currency balances.

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Banking Infrastructure

SWIFT, SEPA & Real-Time Rails

Your account connects to every major global payment network with same-day processing across 180 countries.

IBAN issuance in 12 jurisdictions including EU, UK, Singapore and UAE
SWIFT GPI tracking on all outbound wires with microsecond settlement
SEPA Instant and TARGET2 access for Euro-zone transactions
FedACH and CHIPS connectivity for USD domestic and international
Dedicated relationship manager available 24/7 via encrypted channel
Biometric authentication and hardware security key support

Privacy & Security

Bank-Grade Confidentiality

Our accounts are structured under Cayman Islands banking law, offering the strongest privacy protections available within a fully regulated framework.

Account details protected under Section 130 of the Cayman Islands Banking Law
No automatic reporting to non-CRS treaty jurisdictions
Nominee services available for qualifying corporate accounts
256-bit AES encryption for all stored data and communications
Dedicated dark-fibre communication lines for UHNW clients

Frequently Asked

Common Questions

What is the minimum balance to open a private account?+

Our private accounts start at a minimum opening balance of USD 100,000 for standard private savings accounts. Multi-currency current accounts require USD 500,000 and UHNW segregated accounts begin at USD 5,000,000. Corporate treasury accounts are structured on a case-by-case basis.

How long does account opening take?+

Standard KYC-compliant account opening takes 5–10 business days. Express onboarding for qualifying clients with completed documentation can be completed in 48 hours. Your dedicated relationship manager will guide you through every step.

Which currencies can I hold simultaneously?+

You can hold up to 40+ currencies in a single account simultaneously, including EUR, USD, GBP, CHF, JPY, SGD, AED, CAD, AUD and all major EM currencies. FX conversion at live interbank rates is available 24/5.

Is my capital protected?+

All client deposits are held in segregated accounts and are not exposed to the bank's own balance sheet. We maintain a Tier 1 capital ratio of 18.4%, significantly above the regulatory minimum. Deposit protection schemes apply per jurisdiction of account domicile.