Using your card

Make the most of your card

Pay for goods in shops and restaurants
Enjoy the convenience of using your debit or credit card in any outlet that displays the logo on your card (eg. VISA).

Withdraw up to £100 cashback using your Debit card

When you pay with your debit card, many shops, supermarkets and other retailers offer an up to £100 cash back service.

Shop safely online

When you buy goods and services online using your debit or credit card, you can make your payment even more secure by registering with:

• Verified by Visa (Visa credit cards)
• Verified by Visa (Visa debit cards)
• MasterCard SecureCode (MasterCard credit cards)

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

Cash withdrawalsDebit card customers can withdraw cash from any HSBC cash machine, without incurring a transaction fee. Credit card customers will be charged a cash advance fee. Also please bear in mind that unlike purchases, interest is charged from the date transactions are applied to your account until payment is received. Be aware that non-HSBC cash machines may charge a transaction fee, which will be advised on-screen at the time of withdrawal. ATM withdrawal limits are applicable.

Make the most of your card worldwide

Pay for goods in shops and restaurants.

Enjoy the convenience of using your debit or credit card in any outlet that displays the logo on your card. Fees apply.

Currency Converter

Calculate the fees applied to a foreign currency payment on your visa debit card abroad.

Withdraw local currency

Whether you're away on business or on holiday, you can use your debit or credit card at cash machines abroad whenever you need extra local currency. Fees apply and non-HSBC cash machines may also charge a fee.

ATM Locator

Find out more information on where you are able to use your visa debit or credit card abroad.

This link may allow you to access non-HSBC websites. HSBC Bank plc has no control over the linked website and is not liable for your use of it.

Let us know it's you

We automatically monitor accounts for unusual foreign transactions. You can let us know it's you using your card by making a CHIP & PIN transaction while abroad. This helps us protect you from possible fraud or declined transactions more effectively while you're on holiday.

Any non sterling transactions (including cash withdrawals) are converted to sterling by using the relevant payment scheme exchange rate applying on the day the conversion is made. We will deduct the payment and related transaction fees from your account once we receive details of the payment from the card scheme, at the latest the next working day. See more information on the rate of exchange Visa used when converting your transaction.This link may allow you to access non-HSBC websites. HSBC Bank plc has no control over the linked website and is not liable for your use of it.

Cost illustration of making a transaction abroad of €100.00 using the Visa exchange rate on 6 June 2017 of 0.876855 = £87.69 to which will be added the fees appropriate to your card and transaction as per the tables below:

See more information on the rate of exchange MasterCard used when converting your transaction.This link may allow you to access non-HSBC websites. HSBC Bank plc has no control over the linked website and is not liable for your use of it.

Cost illustration of making a non-sterling transaction of €100.00 using the MasterCard exchange rate on 5 June 2017 of 0.875944 = £87.59 to which will be added the fees appropriate to your card and transaction as per the tables below:

You receive up to 56 days interest-free credit on credit card purchases if you pay your whole balance in full and on time. Please be aware that interest is charged from the date transactions are applied to your account until payment is received. There is no interest-free period on cash advances. Some cash machine operators may apply a direct charge for withdrawals from their cash machines and this will be advised on-screen at the time of withdrawal. ATM withdrawal limits are applicable.

You can use your card to make non-sterling cash withdrawals from self service machines operated by a third party and agree that the third party will perform the currency conversion for you. The applicable exchange rate, the amount of cash you will receive and the amount in sterling will be shown on the screen. The amount in sterling will be deducted from your account balance when we receive details of the payment from the self service machine operator, at the latest the next working day.

Travelling in the European Economic Area (EEA)?¹ See how paying in local currency on your HSBC credit or debit card compares to the European Central Bank (ECB)'s latest foreign exchange rates here. 

This shows the percentage difference between the ECB exchange rate and your HSBC card rates, depending on how you pay. You can find out more about these fees above.

¹European Economic Area where you can pay in currency includes Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Iceland, Ireland, Latvia, Lithuania, Liechtenstein, Luxembourg, Malta, Norway, the Netherlands, Poland, Portugal, Romania, Spain, Slovakia, Slovenia and Sweden.

Make low value payments with just the tap of your card

You can use your contactless debit and credit card to make low value payments (of up to £100) at any retailers that accept contactless - just look for the contactless logo.

No need to carry around cash

Rather than having to search for loose change - you can simply tap your card at retailers to pay for coffee, newspapers, sandwiches and all manner of low value items at participating retailers.

Whether you’re new to debit cards or seeking a refresher, read these guides for handy tips and helpful hints.

Please take the time to read the following: