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Investment Products

Whether you’re a small business saving for a specific purpose or a larger company with more complex investing needs, our specialists will recommend a suitable solution.

Term Deposits

A Term Deposit is used when a company wants to maximise its return of surplus funds. With a Term Deposit account your money is locked in for a fixed term with guaranteed pre-agreed interest paid at maturity.

Key features and benefits:

A choice of terms and attractive interest rates.
Availability in major foreign currencies.
Guaranteed income stream paid at maturity.

Treasury Bills

Treasury Bills are short-term (up to 1-year) government borrowings issued by Minister of Finance at a discount to their nominal value. Investors in Treasury Bills may hold them to maturity date and then receive 100% of nominal value, their rate of return is determined by the difference between purchase price and par redemption.
The Government credit risk (known also as Sovereign Risk) assigned to Treasury Bills is presumed the safest among investment tools. They are highly liquid investments, and can be sold back to HSBC (or to the secondary market) at any time prior to maturity. In such a situation, your return will be determined by the difference between purchase price and the sale price.

Key features and benefits:

Short-term debt issued by the Government of Poland.
Investment minimum: 10,000 PLN.
Maturity dates from 4 to 52 weeks.
Sold at a discount to the face value.
Suitable liquidity, can be sold back to HSBC at any time prior to maturity.

Treasury Bonds

Any questions?

Call us on: (+48) 22 314 0 146

Helpful Information:

Table of Fees for Corporate customers
(PDF, 76KB).
General Terms and Conditions of Bank Accounts (PDF, 235KB).
You will require Adobe Reader. Download it here.

Treasury Bonds are long-term government borrowings issued by Minister of Finance at a discount or with a premium to their nominal value depending on the market conditions bearing fixed or floating rate coupons.
Investors in Treasury Bonds may hold them to maturity date and then receive 100% of nominal value, their rate of return is determined by the purchase price and the value of coupons paid.

Treasury Bonds are highly liquid investments, and can be sold back to HSBC (or to the secondary market) at any time prior to maturity. In such a situation, your return is determined by the accrued interest plus the difference between purchase price and sale price.

Key features and benefits:

Long-term government borrowings.
Investment minimum: 1,000 PLN.
Highly liquid investments, can be sold back to HSBC at any time prior to maturity.