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Making payments

Send money quickly, easily and securely.

Making payments easy

Online and mobile banking are the fastest and most secure ways to make a payment. You can send up to £25,000 with online banking and £10,000 from the mobile app.

Check out our guides to making different kinds of payments, along with some frequently asked questions.

Protect yourself from fraud

Before making a payment stop and check.

If someone claiming to be from the police, a utility company or similar asks you to move money or share your details hang up and contact the organisation on a trusted telephone number or email address. 

Fraudsters will pressurise you to make payments quickly, a genuine payee won't. HSBC will never ask you to move your money to a 'safe' account.

For more information about how to protect yourself, visit our security centre.

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Pay a company or credit card

To make things easier, we've pre-filled the account details for hundreds of major companies. If you're paying a credit card or utility bill, try searching our company list first. If the company you're paying isn't included, you'll need to add them as a new payee. 

In most cases, sending money to companies is instant. However, this can vary, so please ensure you check the timescale when reviewing your payment details online.

You can't currently create a new company payee on our mobile banking app. However, once you have set up the payee in online banking, you can make future payments with the app.

Top tip: If you're paying back your HSBC credit card manually each month, consider setting up a Direct Debit to ensure you don't miss a payment. Find out more about credit card repayments.

Using online banking

1. Go to 'Pay and transfer'

Log on and select 'Pay and transfer' from the quick links section.

2. Select your account

Tell us which account you want to make the payment from.

3. Select payment option

Choose 'new payment to a company'.

4. Find the company

Search for the company by name or account details. Select the company and follow the on-screen instructions.
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Pay someone new

If you're paying family, friends or anyone else for the first time, just ask them for their sort code and account number, then follow these instructions. 

Your money should reach the payee immediately subject to our standard checks. Once the payment has been made it cannot be recalled so please make sure the details you use are correct.

Using the mobile banking app

1. Go to 'Pay & Transfer'

Log on, select 'Pay & Transfer', then 'Make a payment or transfer'.

2. Select your account

Choose the account you'd like to send the money from, then select the 'My Payees' tab.

3. Add the payee

Select 'Add a new payee', and then 'Next'.

4. Follow the on-screen instructions

Follow the on-screen instructions to complete the payment.

Using online banking

1. Go to 'Pay and transfer'

Log on and select 'Pay and transfer' from the quick links section.

2. Select your account

Tell us which account you want to make the payment from.

3. Add details

Select 'New transfer to a person' then tell us the currency and country the payment is going to.

4. Follow the on-screen instructions

Follow the on-screen instructions to complete your payment.
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Transfer money between your HSBC accounts

Whether you want to send money to your savings account or pay your HSBC credit card, here's how to move money between your HSBC accounts.

Using the mobile banking app

1. Go to 'Pay & Transfer'

Log on and select 'Pay & Transfer', then 'Make a payment or transfer'.

2. Select accounts

Choose the account you'd like to transfer the money from, and the one you want to transfer the money to.

3. Follow the on-screen instructions

Follow the on-screen instructions to complete the payment.

Using online banking

1. Go to 'Pay and transfer'

Log on and select 'Pay and transfer' from the quick links section.

2. Select your account

Choose the account you want to transfer money from, and in the 'To' section, select 'Your own HSBC accounts'.

3. Select the account you're transferring to

Tell us where you'd like to send the money.

4. Follow the on-screen instructions

Follow the on-screen instructions to complete your payment.
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Sending money outside the UK

If you're looking to send money outside the UK, please visit our international payments page for charges, rates and more information.

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Send money to someone you've paid before

Once you’ve sent money to someone, their details will be added to your list of payees. To send money to them again follow these steps:

Using the mobile banking app

1. Go to 'Pay & transfer'

Log on and select 'Pay & Transfer', then 'Make a payment or transfer'. If you're paying a company, select 'Pay & Transfer' then 'Pay a company'.

2. Select your account

Tell us which account you want to make the payment from.

3. Select the payee

Choose the payee you want to pay from the 'My payees' list. Then follow the on-screen instructions to complete the payment.

Using online banking

1. Go to 'Pay and transfer'

Log on and select 'Pay and transfer' from the quick links section.

2. Select your account

Choose the account you want to transfer money from, and in the 'To' section, select 'Your saved payees'.

3. Select the payee

Tell us who you want to send the money to.

4. Follow the on-screen instructions

Follow the on-screen instructions to complete your payment.
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Generate a transaction code with your Secure Key

When you're using online banking to send money to a new payee, we'll ask you to authorise the transaction by generating a one-time transaction code on your Secure Key. Here's how to do it.

Using a Digital Secure Key

1. Select 'Generate security code'

Open the app, but don't log on. Select 'Generate security code' at the bottom of the screen.

2. Select code type

Select 'Transaction security code' from the list.

3. Enter payment details

Enter the last 4 digits of the account number you're sending money to, along with the full payment amount, including pence. For example, if you were paying £152.00 to account number 400500 12345678, you would enter 567815200.

4. Enter transaction code

A 6-digit code will be generated. Enter this into the 'Security code' box in online banking and select 'Continue' to complete the payment.

Using a Physical Secure Key

1. Enter your PIN

Press and hold the round, green button (bottom right) to switch on, then enter your PIN.

2. Enter last 4 digits of account or card number

When the screen shows 'HSBC', press the square, yellow button (bottom left). Then enter the last 4 digits of the account number, company reference or credit card number, ignoring any letters or special characters.

3. Enter amount

Enter the payment amount including pence, ignoring the decimal point. Note: If you input more than 8 numbers they will start dropping off the end of the display, but don't worry, they've been registered.

4. Generate code

Press the square, yellow button again to generate your transaction code. Enter the 6-digit transaction code in online banking and select 'Continue' to complete your payment.
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Frequently asked questions

What happens if I mistype the details and send money to the wrong account? 

What if the payment amount is less than £1.00? 

I’m paying someone new, what should I use as the reference? 

What if the company doesn't have a 4-digit reference? 

I’ve entered the wrong digits on my Physical Secure Key, how do I change them? 

Explore more

Confirmation of Payee  

Helping you make sure your payee is a perfect match.

Secure Key  

If you use online or mobile banking, our Secure Key gives you added protection against the threat of fraud.

Mobile banking  

It's fast, secure and intuitive. So you can get more done, wherever you are.

Online banking  

Manage your accounts 24/7 with our online banking services.
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