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HSBC Bank account

A simple current account with handy extras

In response to the coronavirus (COVID-19) outbreak, from 9 April 2020, we’re temporarily increasing our interest-free overdraft buffer from £25 to £500 for Bank Account, Bank Account Pay Monthly, Current Account and Advance Bank Accounts. We’ll automatically activate the increased buffer, so there’s no need to call us. As these are temporary measures, your contractual terms remain the same. We’ll keep this under review and update you before making any changes to the interest waiver. Accounts with a negotiated rate (where we have agreed a non-standard rate your overdraft) will not be affected. For more information, please read our Overdraft FAQs.

HSBC Bank Account
Get a hassle-free bank account and manage your money 24/7 online or over the phone.

Apply for an HSBC Bank Account today:


With the HSBC Bank Account you'll get:

  • Apply for an overdraft

    An overdraft service is available subject to status.
  • Interest free on first £25

    Assumed limit £1,200: 0% EAR (variable) on the first £25, 19.9% EAR (variable) thereafter, giving a representative rate of 19.45% APR (variable).
  • Exclusive savings rates

    Bank account customers can open our great Regular Saver.
  • Banking your way

    24/7 Internet & telephone banking, and our mobile banking app.
  • Lending options to suit you

    Enjoy the freedom to do more with an HSBC credit card or personal loan, subject to status.
  • VISA debit card

    Contactless feature, subject to status.
  • Hassle free switching

    The Current account switch service is simple, hassle-free and supported by our dedicated switching team. (The Current Account Switching Service is not offered by all banks in the Channel Islands and Isle of Man. Please check whether your existing bank supports the service.)


Please ensure you meet the following criteria:

  • you need to be 18 years or older
  • your residential address must be within the Channel Islands or Isle of Man
  • you must be able to provide us with proof of your identity and address

How to apply

Apply by phone or in branch

Book an appointment to apply by phone or in branch by calling: 

You’ll need to provide identification, proof of your address and a recent bank statement. 

Frequently asked questions

We're here to help you. Find the answers and while you're at it, tell us how we could do better.