Current accounts

Make managing your money easy with an HSBC current account. Apply for your account today and take full control of your finances.

Get £500 with an HSBC Premier Bank Account

Switch to HSBC Premier for a £500 welcome bonus, plus open an HSBC Premier World Elite Mastercard and get cashback equivalent to your first annual fee. Representative 100.2% APR.

New customers only. Subject to eligibility and T&Cs. Credit subject to status. Premier World Elite Mastercard cashback offer starts 27 July 2026 and ends 28 September 2026. £500 welcome bonus offer can be withdrawn at any time.

Get £220 when you switch to an HSBC Bank Account

Open an HSBC Bank Account in our mobile banking app and, within 60 days, complete a full switch (including 2 Direct Debits) using the Current Account Switch Service, pay in £2,000 and spend £500 on your debit card.

New customers only. HSBC Bank Account only (Basic Bank Account not eligible). Further offer and account T&Cs and eligibility criteria apply. Offer may be withdrawn at any time.

Switching bank accounts is easy

We make switching banks simple. Make the move from your old bank to HSBC in just a few easy steps.

Find the right current account for you

Not sure which account to choose? Compare our current accounts and find the one that suits you best.

What kind of current account are you looking for?

All accounts

Make day-to-day banking a breeze with our everyday current accounts.

Student and graduate accounts

The smart way to manage your money, before and after you graduate.

Young person's accounts

Our MyMoney children's accounts make looking after money easy.

Business accounts

Find an account that works for you. Whether you’re a start-up or small business, we're committed to supporting your business all the way.

Before you get your current account

Read our guides to make sure you've got your head around the finer details.

Online money management tools

Find out how to use our app and other tools to stay on top of your finances.

What bank details do employers need?

New job? New account? Find out what details your employer may need.

Banking terms you need to know

From standing order to IBAN, get to grips with a few banking terms worth knowing.

Student banking: what do you need to know?

Find out how to choose the best student bank account to suit your needs while you're at university.

Overdrafts explained

Find out how overdrafts work, how you can use them, and things to watch out for.

Our most popular bank accounts

Premier Bank Account

The premium bank account that gives you access to preferred products, Premier specialists and exclusive benefits and rewards.

You must meet one of the following criteria:

You must have either: (1) an income of £100,000+, or (2) £100,000 in savings or investments with us, or (3) hold and qualify for HSBC Premier in another country or region. Other eligibility criteria and T&Cs apply.

Bank Account

Our most popular, everyday current account that provides all you need to stay on top of your finances.

Gives access to retail offers and our Regular Saver Account, with no monthly account fee.

Student Bank Account

A current account designed to help you make the most of student life.

What other people are asking

What is a current account?
Current accounts are bank accounts designed to make and receive everyday payments including managing your income and everyday spending. You can use a current account to:

Pay household bills

Set up Direct Debits or standing orders to make regular payments

Receive money such as your salary, pension, or benefits payments

Withdraw money from cash machines

Pay for goods and services with a debit card

Current accounts sometimes include an arranged overdraft facility. This allows you to borrow money over a short period of time, though you're likely to be charged interest for using it.
How many current accounts can I have?
There’s no hard limit on the number of current accounts you can have. You may want to have a different current account for different types of spending. For example, you may want separate accounts for:

Everyday spending

Travelling

Direct Debits and standing orders

You can also open a joint account with someone else, for example to share household costs or other joint spending.
How do I switch current accounts?

Tell your bank or building society you want to switch bank accounts using the Current Account Switch Guarantee.

They'll take care of everything from there. This will include making sure your balance and any incoming or outgoing payments are switched to your new account.

You can switch your current account to HSBC in just 7 days.
Do you get interest on a current account?

Most current accounts won’t pay any interest on your balance. Those that do pay interest may come with criteria that you have to meet, like paying in a certain amount each month.

A savings account or Cash ISA is a good option for building your savings and interest.
Does opening a current account affect credit score?

You may see your credit score lower temporarily when you open a new bank account. If you need to open multiple accounts, try to wait before opening the next one. This will give your credit score time to recover.
How do I open a current account?
There are different ways to apply for a current account:

Online or in a mobile app

In branch

By telephone

By post

Make sure you have all the documents you need to open a current account.
What's the difference between current account and savings account?

A current account is designed for making and receiving everyday payments, while a savings account helps you build up money over time for larger purchases or emergencies.

Unlike most current accounts, a savings account lets you earn credit interest on the money you pay in. Different savings accounts also have different features. For example, you may get a higher interest rate if you don’t withdraw money for a set period.