Current Accounts | HSBC UK

The benefits

• Relationship Manager to help you with your banking needs
• Wealth Management expertise from an HSBC Premier Independent Financial Advisor
• Worldwide Travel Insurance for you and your family, for UK residents aged under 70
• Preferential rates and terms on a range of selected products
• Access to HSBC Premier Credit Card
• Personal safety advice and identity theft assistance with red24™
• HSBC Premier Family Banking accounts available

The essentials

• HSBC Premier Visa Debit Card for withdrawals of up to £1,000 a day
• A £500 interest-free overdraft facility, available on request, with no arrangement or return fees
• 24/7 helpline available (subject to planned maintenance)

International services

• Home-from-home service and emergency assistance in any HSBC branch worldwide
• Globally linked-up online banking available in selected countries via Global View
• Worldwide cash withdrawals without HSBC ATM fees (a foreign exchange charge of 2.75% applies)
• HSBC Premier international account opening with no fee

Eligibility

HSBC Premier is available without a monthly account fee if you meet any of the following criteria:

• You have savings or investments of at least £50,000 with HSBC in the UK. We request that your main income is paid into your HSBC Premier Bank Account; or
• You have an individual annual income of at least £100,000 paid into your HSBC Premier Bank Account and either:
  1. a mortgage(s) of at least £300,000 with HSBC in the UK
  2. a product taken out through our independent financial advisory service, excluding mortgage-related insurance; or
• You qualify for HSBC Premier in another country

The benefits

• Worldwide Travel Insurance for you and your family, for UK residents aged under 70
• Roadside Breakdown Assistance, for any eligible vehicle, for breakdowns a quarter of a mile or more away from home.
• £3,000 of Life Cover up to age 70, £3,000 of accidental death benefit after age 70
• Personal safety advice and identity theft assistance with red24™
• Preferential rates and terms on a range of selected products

The essentials

• HSBC Advance specialists are available 24/7 (provided you successfully identify yourself, subject to planned maintenance)
• HSBC Advance Visa Debit Card for withdrawals of up to £300 a day

International services

• Emergency assistance at branches worldwide
• Worldwide cash withdrawals without HSBC ATM fees (a foreign exchange charge of 2.75% applies)
• 50% discount on international account opening fee
• Discounted international money transfers between HSBC accounts in selected countries via Global View

Eligibility

• You will need to be 18 years or over

HSBC Advance has an initial 12 month contract and is then renewable monthly.

Brief highlights

• Set up Standing Orders, Direct Debits and payments to friends and family
• Overdraft Service available, subject to status
• Access to Regular Saver Account

International services

• Withdraw cash anywhere in the world with your debit card wherever you see the VISA logo*

Eligibility

• You need to be over 18 to apply
• £500 (minimum) monthly deposit required
• If you're under the age of 24, this minimum monthly deposit does not apply

* Foreign exchange charge of 2.75% of the exchange rate will apply on conversion, plus an ATM transaction fee – currently 2% (minimum £1.75, maximum £5.00).

Brief highlights

• Access to an overdraft service, subject to status
• A £50 'buffer' for short term emergency borrowing
• Payment requests over your buffer or any formal overdraft limit normally won't be agreed
• No overdraft arrangement or return fees
• Text Alerts to keep you informed as you get near any formal overdraft limit
• A monthly fee of £15

International services

• Withdraw cash anywhere in the world with your debit card where ever you see the VISA logo*

Eligibility

• You need to be over 18 to apply
• £500 (minimum) monthly deposit required
• If you're under the age of 24, this minimum monthly deposit does not apply

* Foreign exchange charge of 2.75% of the exchange rate will apply on conversion, plus an ATM transaction fee – currently 2% (minimum £1.75, maximum £5.00).

Brief highlights

• Could be ideal if you're new to the UK
• Open an account before you come to the UK
• A Talkmobile Globetalker SIM card topped with £10 credit and 50 international minutes to call abroad from the UK
• Application forms available in your local branch in 8 languages
• Online relocation support in 8 languages from red24
• Minimum 12 month contract applies

International services

• Withdraw cash at ATMs worldwide with your Debit Card wherever you see the Visa logo*
• Competitive, secure International money transfers

Eligibility

• 16 years or over
• You have the intention to move to the UK within the next three months or have moved to the UK in the last 12 months

* Foreign exchange charge of 2.75% of the exchange rate will apply on conversion, plus an ATM transaction fee – currently 2% (minimum £1.75, maximum £5.00).

Brief highlights

• If you're aged 18 or over get a guaranteed £500 overdraft interest-free when you open your student account, which could increase to up to £3,000 (subject to status and account conduct)
• No overdraft arrangement fees
• Earn interest on credit balances on the first £1,000 in your account during your first year at university

If you're 17 and thinking about going to uni, you may be eligible for our early bird service . Or if you're about to go back to uni to further your studies you may be eligible for our postgraduate service (different eligibility criteria apply).

International services

• Withdraw cash anywhere in the world with your debit card where ever you see the VISA logo^*

Eligibility

• You're studying, or intending to study, a full time, qualifying undergraduate course of two years or more at a UK, Channel Islands or Isle of Man university/college or a part-time course with a Disability Student Allowance – and can provide proof of your acceptance.
• You have been a resident in the UK, Channel Islands or Isle of Man for at least the last three years
• If you don't currently have a HSBC current account, you can provide us with identification and proof of your address
• You can confirm that you do not hold a student account elsewhere

^*Foreign exchange charge of 2.75% of the exchange rate will apply on conversion, plus an ATM transaction fee – currently 2% (minimum £1.75, maximum £5.00).

Brief highlights

• Up to £1,500 interest-free entitlement in your first year and up to £1,000 interest free overdraft in your second year after graduation (subject to status and account conduct)
• Apply for a Graduate Loan of up to £25,000. Loans are available for five years after graduation between £5,000 and £25,000 (subject to status and account conduct)
• Access to our Regular Saver account

International services

• Withdraw cash anywhere in the world with your Debit Card wherever you see the VISA logo*

Eligibility

You're eligible for a Graduate Bank Account if you:

• are 18 years of age or older
• have graduated from uni within the last 2 years
• can provide proof of graduation, i.e. a Graduation Certificate if you're new to HSBC

* Foreign exchange charge of 2.75% of the exchange rate will apply on conversion, plus an ATM transaction fee – currently 2% (minimum £1.75, maximum £5.00).

Brief highlights

• Overdraft Service available, subject to status and account conduct
• Access to an HSBC Current Account and debit card
• Order travellers cheques or commission-free foreign currency on amounts between £100 and £2,500. A 1.5% handling fee applies for sterling travellers cheques.
• Easy access with telephone and Internet Banking

International services

• Withdraw cash anywhere in the world with your Debit Card wherever you see the VISA logo*

Eligibility

• You're 17 years or older
• You're planning to go to university after your gap year
• Permanent resident of the UK for at least the last 3 years

* Foreign exchange charge of 2.75% of the exchange rate will apply on conversion, plus an ATM transaction fee – currently 2% (minimum £1.75, maximum £5.00).

Brief highlights

• An HSBC cash card
• Cash withdrawals up to £200 in the UK
• Withdrawals up to £200 per day in the Post Office®
• Set up Standing Orders, Direct Debits and payments to friends and family
• 24/7 telephone and Internet Banking, subject to planned maintenance

International services

Not available on this account

Eligibility

• You need to be over 18 to apply

Brief highlights

• MyMoney is a package of MyAccount and MySavings accounts
• Get MySavings account from aged 7 years with £1 minimum deposit
• Get MyAccount with a cash card from the age of 11
• An HSBC Debit Card from 13 years (subject to parents' permission)
• Interest is paid monthly on your MySavings account

International services

From the age of 13, get a debit card (with your parents permission) and withdraw cash anywhere in the world, where ever you see the VISA logo¹

Eligibility

• Are you aged between 7 and 17?

If you're under 16, you will also need to get your application signed by a parent or guardian.

¹Foreign exchange charge of 2.75% of the exchange rate will apply on conversion, plus an ATM transaction fee – currently 2% (minimum £1.75, maximum £5.00)

Brief highlights

• Accounts available in most major currencies
• No minimum balance required
• Access to International Personal Savings Account
• Quarterly statements

International services

• Make or receive payments in a foreign currency

Eligibility

• Minimum age: 18 years old

Brief highlights

• Shariah compliant current account
• HSBC Amanah Debit Card
• Hassle-free switching when you move to HSBC
• Cheque book, standing order, Direct Debit, statements and cash withdrawals
• No minimum deposit required
• 24/7 Internet and telephone banking

International services

• Withdraw cash anywhere in the world with your Debit Card wherever you see the VISA logo*

Eligibility

• 16 years or over

* Foreign exchange charge of 2.75% of the exchange rate will apply on conversion, plus an ATM transaction fee – currently 2% (minimum £1.75, maximum £5.00).