HSBC offers two savings accounts, neither of which have minimum balance or charge monthly fees. Serious Saver only pays interest in the months when you don’t make withdrawals. Serious Saver also pays bonus interest for the first four months the account is open. Flexi Saver pays bonus interest in the months after you increase your net balance by at least $300. HSBC also offers term deposits, credit cards, home loans, personal loans and financial planning. HSBC is one of the world’s largest banks and has offices in 67 countries.