The benefits |
Overdraft service
You can address your short-term borrowing needs by arranging an overdraft on your bank account, subject to your credit status.
Use our overdraft calculator to understand how much interest you will pay when you use your overdraft.
For full details of our overdraft rates and charges see our price list (PDF) PDF download. This link will open in a new browser window..
Regular Saver
Bank Account customers can enjoy a 4% AER/gross fixed rate for 12 months with our Regular Saver.
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 Premier Savings account.
If you close your account before the end of the 12 month term, you will receive interest at our
Saver rate.
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.
More on our
Regular Saver
or see our range of
savings products
.
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. |
The essentials |
HSBC Contactless Debit Card
Your HSBC Contactless Visa Debit Card gives you instant access to your money whenever you need it.
You can use your card to pay for goods and services wherever you see the Visa sign.
This includes 29 millions shops, hotels, restaurants and other outlets in the UK, and across over 160 countries.
You can also withdraw cash from over one million cash machines worldwide.
Please note, a foreign exchange charge of 2.75% will still apply to any transaction that is processed in a foreign currency, plus an Overseas ATM Withdrawal fee – currently 2% (minimum £1.75, maximum £5.00).
Please view our General Price List and Interest Rates (PDF) PDF download. This link will open in a new browser window. for more details.
The HSBC Visa Debit Card now comes with Contactless technology.
Contactless allows you to make low value payments (currently up to £15 but increasing to £20 from 01 June 2012) with a simple tap of your card, just look for the Contactless logo at a retailer  .
When you receive your Contactless Card we will include further information on how to use it along with a number of exciting retail offers.
More on the HSBC Contactless 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 This link will open in a new browser window..
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.
Mobile
Smartphone owners can download HSBC Fast Balance
- for a quick and easy way to view your current account balance and last six transactions.
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.
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. |
The additional services |
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.
Please note:
- We rely on the organisations you pay by Direct Debits to change their records and respond in a timely manner to our requests.
- We also rely on your previous bank or building society to respond within agreed timescales.
- Your employer/pension provider is responsible for changing their records (following your advice) and paying your salary or pension into your new account.
- Your old bank should, within a reasonable time, refund any charges or interest that you had to pay to the old bank due to a delay or mistake made during the switching process.
- If you wish to switch your savings to HSBC, simply open a savings account with us and then transfer the balance from your original savings provider.
More on our switching service.
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Currency
Order commission-free foreign currency on amounts between £100 and £2,500.
For your convenience we have Euros and Dollars in over 1200 of our branches, plus cash in up to 67 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. |
