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Mental health

If you’re concerned your mental health is impacting the way you manage your money, we have a range of services available to support you.

Your mental health and money

If you feel your financial situation is impacting your mental health, you’re not alone.

Money problems and mental health issues are sometimes linked, with one causing or influencing the other.

It's important to let us know if you have any concerns about anything impacting how you manage your finances, whether that is today or for the future.


Prioritise your mental health and wellbeing

If you're experiencing challenges with your mental health and wellbeing during this time, then we encourage you to visit your GP who can help you further.

Remember, you can always reach out to someone to talk, speak to Citizens Advice or get in touch with a charity who may be able to support you.

How we can help

The rising cost of living

We've put together a list of resources and services on dealing with the rising cost of living to help you cut back on spending and ways to reduce stress.

Managing your money

We understand that life has ups and downs, we're here to support you during both. If you're concerned about the way you manage your money, we may be able to help you.

Some signs you may be struggling:

  • You may feel anxious about reading bank statements or logging on to digital banking. At times you may try to avoid it altogether
  • You may be overspending or splurging which can often leave people with feelings of guilt after
  • You could be left overdrawn for long periods of time, which means that you are living off credit
  • Your sleep could be disturbed as you are thinking about your financial circumstances
  • You could be feeling low, anxious or like there is no way out due financial circumstances

Speak to us

We're here to support you and can get things in place to help you manage your finances. You can speak to us online or over the phone.

Online banking and Live Chat

As well as being able to manage your account online, we have a Live Chat service so you can speak to someone without having to call. To start a chat with one of our agents, select the 'Live Chat' tab on the right hand side of this page.

If the 'Live Chat' option is not there, this means we have no available agents. If this is the case, please try one of the alternative contact options below.

You can also log on to online banking and send us a secure message at any time if you have any questions.

Call us

When you're ready to speak to us, you can call us on 03456 00 61 61. We can help with a range of enquiries on this line. Calls charges are the same as local rate calls. However, you may want to check with your service provider whether these charges are covered under your existing call plan.

If you don't feel like phoning us and have our app, then you can manage your account securely from your smartphone. You're able to:

  • Check your balance
  • Make payments to existing and new payees
  • Transfer money between your HSBC personal accounts

Managing debt

If you're struggling with debt and have missed a payment or are worried about missing a payment, you can call our team on 0345 850 0622 or Textphone 03457 125 583 to get a helping hand. Lines are open:

08:00 to 18:00 Monday to Friday

08:00 to 16:00 Saturday

Getting help from someone else

If you feel it would help, you can empower someone to act on your behalf. You need to either obtain a Power of Attorney first or we can arrange to set up a Third Party mandate for you.

If you would like to learn more about Power of Attorney the Citizens Advice is a good place to start.


To get on top of your finances, have a go at putting a budget together. This can help you assess your incomings, outgoings and disposable income.

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