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The Bank Account Pay Monthly Overdraft Service
With Bank Account Pay Monthly, just like many of our other bank accounts, you can ask us to approve a formal overdraft facility. To help you manage your formal limit we'll send you text alerts to your mobile phone the morning after your balance reaches 60%, 80% or 95% of your overdraft limit.

Whether you have a formal overdraft limit or not you'll also be given a £50 'buffer' to help cover short term emergency borrowing. So you know where you stand, we won't agree to any payment requests that would take you over your formal overdraft limit and the £50 buffer and with Bank Account Pay Monthly we won't charge you any overdraft arrangement or return fees.

Pay Monthly Money Calendar
Access to a quick, interactive tool that can help you manage your money. It lets you take an objective look at your spending, identify your financial goals and gives you hints and tips on how to achieve them.

Mobile Banking
Receive free balance enquiries and mini-statements from a compatible mobile wherever you are, in association with Monitise™. Find out more about Mobile Money

Regular Saver
Bank Account Pay Monthly customers can enjoy a 4%AER/gross fixed rate for 12 months with our Regular Saver. Interest is calculated on the daily cleared balance and paid on the anniversary of account opening. You can save from as little as £25 up to a maximum of £250 a month and a maximum of £3000 by month 12. If you save less than £250 in any given month, you can carry over any unused subscription to the following months.

For example: if you invest £250 a month, you will save the maximum balance of £3000 during the 12 month term. At 4% interest you will earn approximately £65 interest (gross).

Please note, only one Regular Saver account allowed per customer and payments must be made by standing order. Once the account is open, no withdrawals are allowed within 12 months. At the end of 12 months, the account balance will be transferred into a Flexible Saver, Preferential Flexible Saver or HSBC Savings account. If you close your account before the end of the 12 month term, you will receive interest at our Flexible Saver rate.

More on our Regular Saver or see our range of savings products.

AER: Annual Equivalent Rate
This is a notional rate which illustrates what the Gross rate would be if interest were paid and compounded each year.

Gross: The rate before the deduction of tax applicable to interest on savings.

HSBC Debit Card
Use your card and PIN in shops, restaurants and online, and withdraw your money from any cash machine in the UK¹ - up to £300 a day. Get up to £100 cashback at outlets nationwide when you pay with your HSBC Debit Card.

You can also use your card to withdraw local currency at cash machines worldwide and pay for goods and services worldwide wherever you see the VISA logo shown on your card. 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).²

Before you travel, please logon or call to tell us you will be using your cards abroad and ensure we hold your up to date contact details, including a mobile telephone number if available

More on the HSBC Debit Card.

Internet Banking
With Personal Internet Banking you can check your balance, see your statements and pay your bills and much more. To see how it works, watch our interactive demo. Internet Banking facilities are available 24/7 subject to planned maintenance periods. More on watch our interactive demo. Internet Banking facilities are available 24/7 subject to planned maintenance periods. More on Internet Banking.

It's also now easier to log on to your internet banking from an iPhone™ or Android™ phone with our Mobile View service.

Telephone Banking
Get a balance enquiry, make credit card payments, obtain transaction details and transfer cash between accounts at any time, day or night with our automated service. And if you have a query, our Customer Service Representatives are available on 08457 404 404 from 8am to 10pm every day. Calls may be monitored and/or recorded.

Monthly statements
Once you've set up your account you'll automatically be sent monthly statements. Once you register for Internet Banking, you'll then have the option to switch off your paper statements and receive them electronically instead. It's green, it's convenient and it means you'll have less mail to open.

Easy payments
You can choose to set up regular payments to pay bills by Direct Debit and standing order and make payments to friends and family, either online or over the phone, making it easy to manage your money.

Switching service
We can automatically transfer your existing Direct Debits and standing orders to your new HSBC current account. And if you use our switching service we can offer you an interest and charge free overdraft for up to three months taking into account your existing Direct Debits and standing orders subject to our usual credit assessment criteria.

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Currency and travellers cheques
Order travellers cheques or commission-free foreign currency on amounts between £100 and £2,500. Please note, we charge a 1.5% handling fee for sterling Travellers Cheques.

For your convenience we have Euros and Dollars in over 1200 of our branches, plus cash in up to 67 currencies and travellers cheques in 7 major currencies available for next day delivery.

Order online, in branch or by telephone. Call 0800 032 4700. Lines are open 8am - 10pm every day except Christmas Day, Boxing Day and New Year's Day.

Help with your finances
We can give you tips on making the most of your money. And if you're having trouble paying your bills, we can help you work out what to do. More on help with your finances.

1 Cash machines: Some cash machine owners in the UK may charge you for withdrawals. This will be shown on screen with an option to cancel the withdrawal if you want.

2 Using your Debit Card abroad: The exchange rate that applies to any foreign currency debit card payments (including cash withdrawals) is the wholesale market rate used by VISA applying on the day the conversion is made plus our foreign exchange charge, which is currently 2.75% of the applicable VISA wholesale rate. We will make the conversion and deduct the payment from your account once we receive details of the payment from VISA, at the latest the next working day. Details of the current wholesale market rates can be obtained by calling us on the usual telephone numbers, set out in the table before Section 1 of the General Terms. There is no transaction fee for using your Debit Card to pay for goods and services abroad in shops or restaurants.