Card support

HSBC Online Banking activation

We're currently making improvements to our Online Banking service.

If you registered for Online Banking prior to the 17th December 2014 it's not possible for you to activate your existing Secure Key and you will need to re-start your registration.

If you registered for Online Banking after this date, you will be prompted to activate your Secure Key when you log on.

We apologise for any inconvenience which this delay may cause. Once you are registered, we look forward to introducing you to Online Banking, including the exciting enhancements we're working on now.

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Access your money worldwide

Whether you're using your HSBC Debit Card or Credit Card, it's easy to access and control your money at home or abroad.


Non-Sterling transactions


We've made some changes to how
we present non-Sterling transactions
on statements

Find out more

Make the most of your card in the UK

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 your debit or credit card, make your payments even more secure by registering with:

Cash withdrawals

Debit 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. See more about credit card fees.

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. See more about debit card fees and credit card fees.

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. See more about debit card fees and credit card fees.

ATM Locator

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

Tell us you're travelling

We automatically monitor accounts for unusual foreign transactions, so let us know before you travel abroad. It only takes a few minutes to set up and it'll reduce the chance of us declining a holiday transaction on your debit or credit card.

  • Log-on to Internet Banking and click 'going abroad'
  • Call Customer Services on 08457 404 404

Please note, if you have a joint current account you both need to notify us when using the Internet Banking option.

For credit cards, only the primary cardholder needs to give us travel notifications.

Debit Card fees abroad

Purchases Withdrawals
HSBC Premier

Find out more
Non-Sterling transaction fee 2.75% Non-Sterling transaction fee 2.75%
HSBC Advance

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Non-Sterling transaction fee 2.75% Non-Sterling transaction fee 2.75%
Other HSBC Accounts

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Non-Sterling transaction fee 2.75% Cash Fee 2% (Minimum £1.75, maximum £5.00)

Non-Sterling transaction fee 2.75%

Credit card fees abroad

Purchases Withdrawals
HSBC Credit Card

Find out more
Non-Sterling transaction fee 2.99% Cash Fee 2.99% (minimum £3.00)

Non-Sterling transaction fee 2.99%
HSBC Premier Credit Card

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Non-Sterling transaction fee 2.99% Cash Fee 2.99% (minimum £3.00)

Non-Sterling transaction fee 2.99%
HSBC Student Credit Card

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Non-Sterling transaction fee 2.99% Cash Fee 2.99% (minimum £3.00)

Non-Sterling transaction fee 2.99%

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.

Cost illustration of making a non-Sterling transaction of €100.00 using the Visa exchange rate on 2 June 2014 of  0.1.227599 = £81.45 to which will be added the fees appropriate to your card and transaction as per the tables below:

Visa Debit Card Purchases ATM Withdrawal
Bank Account
Non-Sterling transaction fee

Cash Fee
£2.24


N/A
£2.24


£1.75
HSBC Advance & HSBC Premier
Non-Sterling transaction fee

Cash Fee
£2.24


N/A
£2.24


N/A
Visa Credit Card
HSBC Credit Card & HSBC Student Credit Card
Non-Sterling transaction fee

Cash fee
£2.44


N/A
£2.44


£3.00

See more information on the rate of exchange MasterCard used when converting your transaction.

Cost illustration of making a non-Sterling transaction of €100.00 using the MasterCard exchange rate on 2 June 2014 of 1.229223 = £81.35 to which will be added the fees appropriate to your card and transaction as per the tables below:

MasterCard Credit Card
HSBC Premier Credit Card
Non-Sterling transaction fee

Cash fee
£2.43


N/A
£2.43


£3.00

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

Make Low Value Payments with just the tap of your Card

You can use your Contactless Debit Card to make low value payments (of up to £20) at any retailers that accept Contactless – just look for the logo Contactless Sign.

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.

Where can I get more information about Contactless?

Find out more information on Contactless and where to use it.

Contactless with Transport for London

Contactless Payment

Contactless payment cards on the TFL network

London’s bus network accepts contactless payment cards. This means you are able to use your contactless card to pay for single fare journeys.

Already using contactless on buses?

If you are already familiar with using your contactless payment card to pay for travel on buses, you should note that TFL have enhanced their system with new and changed features.

Capping
You can now benefit from daily and Monday to Sunday capping on London buses:

  • Daily capping: The most you will pay in a day for all your bus travel will be £4.40 irrespective of the number of journeys you make with the same contactless card.
  • Monday to Sunday capping: The most you will pay for all your bus travel in a week ending on a Sunday, will be £20.20 irrespective of the number of journeys you make with the same contactless payment card



You will now be able to use your contactless payment card on Underground, overground, DLR and Tram.

The cost of the journey will be no different from the current pay as you go Oyster fare. Full details can be found at the following Transport for London website;

www.tfl.gov.uk

Please note that Transport for London's (TfL) Conditions of Carriage will apply when using your contactless card to pay for a journey. When you hold your contactless card on the yellow card reader and it is accepted, you are giving your authorisation for the cost of a single pay as you go bus journey to be taken from your card account.

Help and support

If you have any queries concerning how much you have paid for your journey or your journey experience you should contact TfL in the first instance on 0843 222 1234 or visit www.tfl.gov.uk



General



Q. How does contactless work on the bus?

A. All of London buses now have contactless payment terminals. You should take the contactless card you wish to use to pay for your journey out of your wallet and touch it against the payment terminal on the bus until you see a green light and hear a single beep, this shows that the card has been validated (read successfully) for travel and is your authorisation for the fare to be deducted from your card account. If you see a red light and hear two beeps, the card has not been validated and you should try again. If this second attempt is unsuccessful, you should use an alternative way to pay for your journey. You can contact us to discuss why the card has not been validated.

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Q. How are the fares charged?

A. When you use your contactless payment card to travel you will be charged an adult-rate pay as you go fare each time you make a journey. You can also benefit from daily and Monday to Sunday capping.

TFL calculate the best fare for each day or week (which is a Monday-Sunday time period), depending on where and when you have travelled, by:

  • Adding up the cost of all the journeys you make each day and applying a daily cap if appropriate
  • Adding up the cost of all the journeys you make in each week and applying a Monday to Sunday cap if appropriate. For capping, a week always ends on a Sunday, although a cap will be applied earlier if you reach one

You can see your detailed journey history if you sign up for a TfL online account

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Q. What if I have more than one contactless/Oyster Card in my wallet?

A. It is important that you only touch the card you wish to use to pay for your journey against the reader. If more than one card is presented (for example because you hold a wallet with more than one contactless card in it against the reader), the reader should show 'Multiple Cards' and the transaction should be declined.

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Q. How much will I be charged?

The cost for using your contactless card is the same as using a pay as you go Oyster card. Fares are published at www.tfl.gov.uk and you should check the price of your journey before you travel.

For example, on 27 August 2014, you will be charged the following when using your contactless payment card on buses:


Single journeys:

£1.45

Daily cap:

£4.40

Monday to Sunday cap:

£20.20

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Q. Will the fares be subject to the daily and weekly 'capping' system applied to Oyster cards?

A. Yes. For more information on fares and capping. See question 4 example on capping.

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Q. Can I add a season ticket or use my discount on my contactless card?

A. Discounted travel

Discount entitlements can't be added to a contactless payment card, so if you are eligible for free or discounted travel, you should continue using your existing Oyster card or Oyster photocard.

B. Travelcards and Bus & Tram Passes

You can't add Travelcards or Bus & Tram Passes to a contactless payment card. If you want to continue using these tickets, you should continue using your existing Oyster card or Oyster photocard.

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Q. Q. Can one card be used to pay for more than one person travelling on the same journey?

A. Unfortunately not. You can only pay for one person per journey per contactless card and you will be charged an adult single fare.

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Q. Will I be able to see details of the journeys that I have paid for using my contactless card?

A. You can now sign up for a TfL online account and register your contactless payment card. With an online account you can see your detailed journey and payment history dating back to 4th August 2013 or up to 12 months ago, whichever is later. On your bank statement you will be able to identify the transaction it by the words 'TFL BUS/TFL.gov.uk/cp' on your statement, as well as the contactless ')))' symbol.

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When travelling


Q. What if the bus I am travelling on breaks down and I have to get off?

A. You should have received a 'Bus Transfer Slip' from the driver of the first bus, which should have allowed you to board a subsequent bus. If this did not occur and you had to pay a second time to reach your original destination, you will need to contact TfL to request a refund for this journey on 0843 222 1234 or visit www.tfl.gov.uk

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Q. Why will the Revenue (Ticket) Inspector ask to see my contactless card?

A. You now need to touch your contactless payment card on an inspector's portable card reader when asked to do so. This will check your card is valid for travel and has been used for the journey that you are making.

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Q. I tapped my wallet on the reader, wishing to pay using my Season Pass, but the fare has been deducted from my contactless card account, meaning I have paid for my journey twice.

A. You should contact TfL on 0843 222 1234 or visit http://tfl.gov.uk/fares-and-payments/replacements-and-refunds/wrong-card-charged . It is important that you take the contactless card you wish to use to pay for your journey out of your wallet and present only one card to the reader in future.

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Q. I thought I had validated my contactless card correctly but the Revenue Inspector has said that the card was not validated. I have been charged a Penalty Fare and wish to dispute it.

A. TfL Revenue Inspectors will check that you have validated your card for travel. If you have not, TfL will charge a Penalty Fare. It is your responsibility to ensure that your card is correctly validated. (You can do this by making sure that you see a green light and hear a beep when you present your card to the reader. If you are travelling on a bus, you can also ask the bus driver if you have any queries or a member of station staff) TfL has an appeals process for Penalty Fare notices and if you wish to appeal, you should contact TfL on 0843 222 1234.

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An alternative way to pay

Contactless payment cards provide an alternative to Oyster, particularly if:

  • You don't have enough pay as you go credit on your Oyster card and you have no time to top it up before boarding a bus
  • You've forgotten your Oyster card

You can now benefit from daily and Monday to Sunday capping.

Although contactless payment cards are similar to Oyster, there are some important differences:

  • You can benefit from Monday to Sunday capping whereas Oyster is weekly capping .
  • You can only travel at adult rate; you cannot add a discount to a contactless payment card
  • You can't add Travelcard or Bus & Tram Pass season tickets to a contactless payment card
  • Contactless payment cards are not accepted on routes 402 and 477 or on the heritage buses which run some journeys on parts of route15
  • There is no transfer discount between Bus Feeder routes T31, T32, T33, 130 and 314 and trams

Do you have a question?





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Need to speak to us?

Give our friendly team a call on:

08457 404 404

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