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Graduate Bank Account

Helping you manage your money after university

An update on our Graduate Bank Account


As of 1 April 2023, graduate accounts are only available to existing Student Bank Account holders.

Graduate Bank Account
Keep your finances flexible in the first 2 years after graduating from university.

Apply for an HSBC Graduate Bank Account today:


With the HSBC Graduate Bank Account you'll get:

  • Apply for an interest-free overdraft

    You may be eligible for an overdraft facility, of which £3,000 will be interest-free during your first year and £2,000 in your second year after graduation.


    Assumed limit £1,200; Year 1: 0% EAR (variable) on the first £3,000, 19.9% EAR (variable) thereafter, giving a representative rate of 0% APR (variable).

    Year 2: 0% EAR (variable) on the first £2,000, 19.9% EAR (variable) thereafter, giving a representative rate of 3.1% APR (variable).

    In your third year, we’ll move you to an Advance Account or Bank Account with an improved interest-free overdraft allowance from £500 to £1,000.

  • Save at great rates
    As a graduate customer you can open a Regular saver, one of our highest earning savings accounts.
  • Switch your bank account easily

    Switching your account to HSBC is fast and straightforward using the Current account switch service.

    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.

  • VISA debit card (contactless feature, subject to status)


Please ensure you can answer YES to the following questions:

  • Are you 18 years or over?
  • Have you graduated from university within the last 2 years?
  • Can you provide proof of graduation, ie a graduation certificate?
  • Are you happy for us to undertake a credit register search (PDF)
  • Can you provide us with the information and documents we require? Banking with HSBC (PDF)
  • Can you also provide us with identification and proof of your address and one month's bank statements from your current bank?

If you already hold an HSBC Student bank account, please let us know and we'll transfer you to a Graduate account. 

How to apply

Apply in branch

Prefer to complete your application with one of our team? You’ll need to bring identification, proof of address and a recent bank statement.

Or, book an appointment over the phone on:

03456 00 61 61

Our lines are open 07:00 to 21:00 every day.

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.