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HSBC Bank account

A simple current account with handy extras
Father and daughter playing in living room

Key Benefits

  • Apply for an overdraft
    An overdraft service is available subject to status
  • 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.)

 

 

Eligibility

  • You need to be 18 years or older
  • Your residential address must be within the EU
  • You must be able to provide us with proof of your identity and address
  • You must pay at least £500 a month into the account (does not apply if you are under 24 or over 65 years old)

 

More information 

  • If applying in branch all parties will need to be present

Key product information


Overdraft service*
You can address your short-term borrowing needs by arranging an overdraft on your bank account, subject to your credit status. 

 

Regular saver*
Bank account customers can enjoy a 3% AER/gross fixed rate for 12 months with our regular saver. You can save from as little as £25 up to a maximum of £250 a month and a maximum of £3000 by month 12. If you save less than £250 in any given month, you can carry over any unused subscription to the following months.

For example: if you invest £250 a month, you will save the maximum balance of £3000 during the 12 month term. At 3% interest you will earn approximately £48 interest (gross). Please note, only one regular saver account allowed per customer and payments must be made by standing order. Once the account is open, no withdrawals are allowed within 12 months. At the end of 12 months, the account balance will be transferred into a Flexible saver, Preferential flexible saver or HSBC Premier savings account. If you close your account before the end of the 12 month term, you will receive interest at our Flexible saver rate. 



AER (Annual equivalent rate):
 This is a notional rate which illustrates what the gross rate would be if interest were paid and compounded each year.
Gross: The rate before the deduction of tax applicable to interest on savings.

More on our Regular Saver or our full range of savings products

 

 

HSBC Credit card
To be eligible for an HSBC Bank Credit card you need to: 

  • Be an HSBC current account customer (Advance, Bank account, Graduate Bank account)
  • Have an annual income/pension before tax of £8,500 or more
  • Be a resident of the UK
  • Be over 18

 

 

HSBC Personal loan
To be eligible for an HSBC Personal loan you need to: 

  • Be an HSBC current account customer (Premier, Advance, Bank account, Graduate account)
  • Have an annual income/pension before tax of £10,000 or more
  • Be a resident of the Channel Islands or Isle of Man
  • Be over 18

 

 

Mobile Banking
Our suite of mobile banking services give you flexibility to manage your finances your way.

 

 

HSBC Visa Debit card
Your HSBC Visa Debit card gives you instant access to your money whenever you need it. You can use your card to pay for goods and services wherever you see the Visa sign. This includes 29 millions shops, hotels, restaurants and other outlets in the UK, and across over 160 countries. You can also use your card to withdraw local currency at cash machines  worldwide and pay for goods and services worldwide wherever you see the VISA logo shown on your card.         Non- Sterling transaction fee of 2.75% of the exchange rate will apply on conversion, plus an ATM transaction fee - currently 2% (minimum £1.75, maximum £5.00)*1.   Please view our Personal Banking Terms and Conditions and Charges for more details. The HSBC Visa Debit card comes with Contactless technology. Contactless allows you to make low value payments of up to £30 with a simple tap of your card, just look for the Contactless logo at a retailer. Contactless is subject to status and meeting HSBC's UK proof of address requirements. When you receive your Visa Debit card we will include further information on how to use it.

 

 

Online banking
With Online banking you can check your balance, see your statements and pay your bills and much more. Online Banking facilities are available 24/7 subject to planned maintenance periods. More on Online banking

 

Telephone banking
Get a balance enquiry, make credit card payments, obtain transaction details and transfer cash between accounts at any time, day or night, with our automated service. And if you have a query, our customer service representatives are available on 03456 00 61 61 from 8am to 10pm every day. From abroad +44 1226 261 010. Calls may be monitored and/or recorded.

 

 

Easy payments
You can choose to set up regular payments to pay bills by Direct Debit and standing order and make payments to friends and family, either online or over the phone, making it easy to manage your money.

 


Current account switch guarantee
We have designed the Current account switch service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.

  • The service is free to use and you can choose and agree your switch date with us.
  • We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
  • If you have money in your old account, we will transfer it to your new account on your switch date.
  • We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
  • If there are any issues in making the switch, we will contact you before your switch date.
  • If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.
  • 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.

More on the Current Account Switch Service.

 

 

Currency
Order commission-free foreign currency on amounts between £100 and £2,500. For your convenience we have Euros and Dollars in over 650 of our branches, plus cash in up to 67 currencies available for next day delivery. Order in branch or by telephone. Call 0800 032 4700. Lines are open 8am – 10pm every day except Christmas Day, Boxing Day and New Year's Day.

 

 

Help with your finances
We can give you tips on making the most of your money. And if you're having trouble paying your bills, we can help you work out what to do.

 

 

*1Using your Debit card abroad: The exchange rate that applies to any foreign currency debit card payments (including cash withdrawals) is the wholesale market rate used by VISA applying on the day the conversion is made plus our non-sterling transaction fee, which is currently 2.75% of the applicable VISA wholesale rate. We will make the conversion and deduct the payment from your account once we receive details of the payment from VISA, at the latest the next working day. Details of the current wholesale market rates can be obtained by calling us on the usual telephone numbers, set out in the table before section 1 of the general terms.

Transaction fees: For non-Sterling (foreign currency) transactions we will charge a fee of 2.75% of the amount of the transaction, using your Debit card to pay for goods and services abroad (eg in shops or restaurants). This fee will be shown as a separate line on your statement as a 'Non-sterling transaction fee'.

* Subject to status and meeting HSBC's Channel Islands and Isle of Man proof of address requirements

Before you apply, take a look below at the eligibility requirements and things you should know about your Bank account. 

Apply in branch

You can book an appointment to apply in branch by calling:
03456 00 61 61


From abroad:
+44 1226 261 010
You'll need to bring identification and proof of your address with you. 

Textphone contact numbers

 

Eligibility

  • 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
  • You must pay at least £500 a month into the account (does not apply if you are under 24 or over 65 years old)

 


More Information 

  • If applying in branch all parties will need to be present.

     
     

Things you should know

Before applying, please take the time to read the following. You may also want to save some of these documents for future reference



To read our PDF files you'll need to have Acrobat Reader 8.0™ or above. We think most of you will have this but if you don't, it's free and can be downloaded from Adobe UK*. If you are accessing this website using screen reading technology that cannot read PDFs, a converter is available at Access Adobe*.


*These links may allow you to access a non-HSBC website. HSBC Bank plc has no control over the linked website and is not liable for your use of it.

Key Benefits

  • Apply for an overdraft
    An overdraft service is available subject to status
  • 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.)

 

 

Eligibility

  • You need to be 18 years or older
  • Your residential address must be within the EU
  • You must be able to provide us with proof of your identity and address
  • You must pay at least £500 a month into the account (does not apply if you are under 24 or over 65 years old)

 

More information 

  • If applying in branch all parties will need to be present

Key product information


Overdraft service*
You can address your short-term borrowing needs by arranging an overdraft on your bank account, subject to your credit status. 

 

Regular saver*
Bank account customers can enjoy a 3% AER/gross fixed rate for 12 months with our regular saver. You can save from as little as £25 up to a maximum of £250 a month and a maximum of £3000 by month 12. If you save less than £250 in any given month, you can carry over any unused subscription to the following months.

For example: if you invest £250 a month, you will save the maximum balance of £3000 during the 12 month term. At 3% interest you will earn approximately £48 interest (gross). Please note, only one regular saver account allowed per customer and payments must be made by standing order. Once the account is open, no withdrawals are allowed within 12 months. At the end of 12 months, the account balance will be transferred into a Flexible saver, Preferential flexible saver or HSBC Premier savings account. If you close your account before the end of the 12 month term, you will receive interest at our Flexible saver rate. 



AER (Annual equivalent rate):
 This is a notional rate which illustrates what the gross rate would be if interest were paid and compounded each year.
Gross: The rate before the deduction of tax applicable to interest on savings.

More on our Regular Saver or our full range of savings products

 

 

HSBC Credit card
To be eligible for an HSBC Bank Credit card you need to: 

  • Be an HSBC current account customer (Advance, Bank account, Graduate Bank account)
  • Have an annual income/pension before tax of £8,500 or more
  • Be a resident of the UK
  • Be over 18

 

 

HSBC Personal loan
To be eligible for an HSBC Personal loan you need to: 

  • Be an HSBC current account customer (Premier, Advance, Bank account, Graduate account)
  • Have an annual income/pension before tax of £10,000 or more
  • Be a resident of the Channel Islands or Isle of Man
  • Be over 18

 

 

Mobile Banking
Our suite of mobile banking services give you flexibility to manage your finances your way.

 

 

HSBC Visa Debit card
Your HSBC Visa Debit card gives you instant access to your money whenever you need it. You can use your card to pay for goods and services wherever you see the Visa sign. This includes 29 millions shops, hotels, restaurants and other outlets in the UK, and across over 160 countries. You can also use your card to withdraw local currency at cash machines  worldwide and pay for goods and services worldwide wherever you see the VISA logo shown on your card.         Non- Sterling transaction fee of 2.75% of the exchange rate will apply on conversion, plus an ATM transaction fee - currently 2% (minimum £1.75, maximum £5.00)*1.   Please view our Personal Banking Terms and Conditions and Charges for more details. The HSBC Visa Debit card comes with Contactless technology. Contactless allows you to make low value payments of up to £30 with a simple tap of your card, just look for the Contactless logo at a retailer. Contactless is subject to status and meeting HSBC's UK proof of address requirements. When you receive your Visa Debit card we will include further information on how to use it.

 

 

Online banking
With Online banking you can check your balance, see your statements and pay your bills and much more. Online Banking facilities are available 24/7 subject to planned maintenance periods. More on Online banking

 

Telephone banking
Get a balance enquiry, make credit card payments, obtain transaction details and transfer cash between accounts at any time, day or night, with our automated service. And if you have a query, our customer service representatives are available on 03456 00 61 61 from 8am to 10pm every day. From abroad +44 1226 261 010. Calls may be monitored and/or recorded.

 

 

Easy payments
You can choose to set up regular payments to pay bills by Direct Debit and standing order and make payments to friends and family, either online or over the phone, making it easy to manage your money.

 


Current account switch guarantee
We have designed the Current account switch service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.

  • The service is free to use and you can choose and agree your switch date with us.
  • We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
  • If you have money in your old account, we will transfer it to your new account on your switch date.
  • We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
  • If there are any issues in making the switch, we will contact you before your switch date.
  • If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.
  • 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.

More on the Current Account Switch Service.

 

 

Currency
Order commission-free foreign currency on amounts between £100 and £2,500. For your convenience we have Euros and Dollars in over 650 of our branches, plus cash in up to 67 currencies available for next day delivery. Order in branch or by telephone. Call 0800 032 4700. Lines are open 8am – 10pm every day except Christmas Day, Boxing Day and New Year's Day.

 

 

Help with your finances
We can give you tips on making the most of your money. And if you're having trouble paying your bills, we can help you work out what to do.

 

 

*1Using your Debit card abroad: The exchange rate that applies to any foreign currency debit card payments (including cash withdrawals) is the wholesale market rate used by VISA applying on the day the conversion is made plus our non-sterling transaction fee, which is currently 2.75% of the applicable VISA wholesale rate. We will make the conversion and deduct the payment from your account once we receive details of the payment from VISA, at the latest the next working day. Details of the current wholesale market rates can be obtained by calling us on the usual telephone numbers, set out in the table before section 1 of the general terms.

Transaction fees: For non-Sterling (foreign currency) transactions we will charge a fee of 2.75% of the amount of the transaction, using your Debit card to pay for goods and services abroad (eg in shops or restaurants). This fee will be shown as a separate line on your statement as a 'Non-sterling transaction fee'.

* Subject to status and meeting HSBC's Channel Islands and Isle of Man proof of address requirements

Before you apply, take a look below at the eligibility requirements and things you should know about your Bank account. 

Apply in branch

You can book an appointment to apply in branch by calling:
03456 00 61 61


From abroad:
+44 1226 261 010
You'll need to bring identification and proof of your address with you. 

Textphone contact numbers

 

Eligibility

  • 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
  • You must pay at least £500 a month into the account (does not apply if you are under 24 or over 65 years old)

 


More Information 

  • If applying in branch all parties will need to be present.

     
     

Things you should know

Before applying, please take the time to read the following. You may also want to save some of these documents for future reference



To read our PDF files you'll need to have Acrobat Reader 8.0™ or above. We think most of you will have this but if you don't, it's free and can be downloaded from Adobe UK*. If you are accessing this website using screen reading technology that cannot read PDFs, a converter is available at Access Adobe*.


*These links may allow you to access a non-HSBC website. HSBC Bank plc has no control over the linked website and is not liable for your use of it.