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, please log on to Online Banking entering your username, memorable answer and your password, from here you will be prompted to activate your Secure Key.

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.

Find out more

HSBC Advance Bank Account

Together We Advance


  • No monthly account fee
  • 24/7 customer service
  • £500 daily ATM cash withdrawals
  • Contactless HSBC Advance debit card (subject to status)
  • Ability to manage eligible worldwide HSBC Accounts via one simple log in
  • Worldwide ATM cash withdrawals without HSBC non-sterling cash fees
    (A non-sterling transaction fee of 2.75% still applies)*1


  • up to £120 on us with our Save Together offer if activated by 10th December 2015*3
  • 6% AER/Gross with our Regular Saver *4
  • £500 off booking fees on our Standard mortgage range *5
    Your home may be repossessed if you do not keep up repayments on your mortgage
  • 10% interest cashback on loans*6
    Representative 3.7% APR for loans between £7k-15k over 1-5 years
  • Preferential Overdraft Interest Rate*2*7
    Representative Example: 17.9% EAR

    EAR is Effective Annual Rate. This takes account of the interest rate and how often interest is charged, and does not include any other fees or charges

Financial and other eligibility criteria and terms and conditions apply

How to apply Current Account - Switch Guarantee


We know that sometimes it's easy to lose track of your spending. That's why we've introduced our overdraft text alert service for all our current account customers to make it easier, and to help you avoid informal Overdraft Usage Fees. Here's how it works:

  • If you make a transaction that takes you overdrawn or over your formal overdraft limit, we may decide to provide an informal overdraft to cover it. There's an Overdraft Usage Fee of £5 a day for this service
  • We'll text you to let you know we're providing an informal overdraft, giving you the chance to pay money into your account by 23:45pm that day to avoid paying a fee
  • If you're not back within your formal limit by the end of the first day, we'll confirm you are now incurring a daily fee and remind you again to pay money into your account to avoid paying further fees
  • We'll also text you to let you know if we decide not to pay a Direct Debit, standing order, future dated bill payment or cheque. In most cases, you'll have till 3:30pm to pay in funds to cover the payment

There is no additional cost*9 and you'll automatically receive these texts if we have a mobile telephone number for you, so please make sure yours is up to date. If you'd prefer not to receive these alerts, you can call us to opt out.

Bank on the go with the HSBC Mobile Banking app for iPhone®, iPad®, Android, Amazon fireand Blackberry®10. It lets you manage your personal accounts easily and securely from your mobile phone*10

  • View balances and up to 90 recent transactions
  • Make bill payments to existing beneficiaries
  • Transfer funds between your HSBC personal accounts
  • Use Paym to send payments to other registered users and register to receive payments using a mobile number (available on most devices. See for further details)

As an HSBC customer we'll treat you as a person, not a number, when we make any lending decision.

  • As part of our obligations to you as a customer, before we lend money we work hard to be sure you can afford to repay it, helping you stay in control of your money. This can be a tricky business, so we use many pieces of information and a variety of techniques to help us make the right decision. That means things like Credit Scoring, Credit Reference Agency data and your history with us
  • Just as we have real people answering your calls, we have real people using their judgement, experience and skill to make a genuine assessment of your ability to repay
  • If we do lend you money, we'll always provide clear information at appropriate points and will keep you fully informed. We don't like to turn people away, so if we decide not to lend money to you, it will usually be because we're trying to protect your financial health

If you ever lose, or have your cards or cash stolen while abroad, we can give you emergency cash in any of our global branches.

  • As an HSBC Advance customer, if you lose your cards or money while you're abroad, you can get emergency cash at any of our 7,000 plus global branches worldwide, subject to HSBC authorisation
  • Simply identify yourself as an HSBC Advance customer to the team at your nearest branch and they will contact us here in the UK to authorise*8 your emergency cash transfer. As an HSBC Advance customer you will not incur any charge for this service*11

Make transfers between your globally linked HSBC accounts with no payment fees.*12

  • You can transfer money to over 30 countries with a USD 200,000 (or currency equivalent) transfer limit. Some countries may have local limit restrictions. Please check our payment limits in Online Banking for more information
  • Quick easy and secure way of sending funds overseas
  • Global Transfers are available through Online Banking or via the HSBC Mobile Banking app

If you're living or working abroad for a significant amount of time, a local bank account could make things easier.

  • With our international account opening service a new account along with your existing HSBC credit history can be ready and waiting for you when you arrive
  • Available in over 20 countries including; Australia, France and Hong Kong
  • This service is available for half the standard HSBC account opening fee for HSBC Advance customers

Fast and easy to use, our Online Banking lets you access your account 24 hours a day (subject to planned maintenance periods).

  • Keep track of your money with online current account and Credit Card statements. Statements will be stored for up to six years from the statement date
  • Transfer money between your accounts in just a few clicks
  • Pay bills and make payments to friends and family in the UK and overseas via our online service (please note, fees apply to international payments)

Send and receive payments securely using only a mobile number with . You'll be using the HSBC Mobile Banking app, so making a payment is fast and secure.

  • Quickly, easily and securely send and receive money to any other Paym registered phone
  • No need to share your account details with others
  • Less need to carry cash or use cheques

As a thank you for being an HSBC Advance customer, we'll give you access to a range of discounts for you and your family to enjoy.

To find out more please visit

A range of online tools are available to provide you with a helpful snapshot of your current circumstances.

  • Financial health check tool Use this tool to identify which areas of your finances are in good health and which may need further attention and discussion
  • Planning your children's future Want your children to enjoy the best that life has to offer? We have a tool to help you work out what you could to do to give them a head start

To be eligible for the HSBC Advance Bank Account you must be over 18 and pay in at least £1,750 into your account each month( or a minimum £10,500 every six months) not including money transferred from other sole or joint personal account (s) you hold with HSBC Bank. Applications are subject to status and internal checks.

How to apply

*1Some cash machine operators may apply a direct charge for withdrawals from their cash machines. This will be advised at the time of the withdrawal

*2As compared to our Bank Account and Bank Account Pay Monthly

*3Save Together is subject to eligibility criteria and terms and conditions. To be eligible for Save Together, you must be an HSBC Advance Bank Account customer, hold an HSBC Loyalty Cash ISA and meet certain minimum payment requirements. To receive the full £120, you must retain both products and meet the minimum payment requirements for the full term of the Save Together offer. Customers must consider whether the HSBC Loyalty Cash ISA product is appropriate for their needs. Available to UK residents only. Please visit for more details

*4The fixed preferential rate of 6% AER/gross over 12 months is available to HSBC Advance customers, who open a new Regular Saver account. Save between £25 and £250 per month by standing order from your HSBC Advance Bank Account for a fixed term of 12 months. If you do not save £250 in any given month you can carry over any unused ubscription to following months. Interest is calculated on the daily cleared balance on your Regular Saver and we will pay this to your Regular Saver on the anniversary of the date your account was opened. For example, if you saved £250 every month for 12 months a total of £3000 will be paid in to your account during the 12 month term. At 6% you would earn approximately £97 interest (gross). Partial withdrawals are not allowed during the 12 month term. If you close your Regular Saver before the anniversary, we will pay interest at the same rate as we would apply to an equivalent amount held in a Flexible Saver. You can only hold one Regular Saver at any given time. AER stands for Annual Equivalent Rate. This shows you what the gross rate would be if interest were paid and compounded each year. Gross is the interest rate you’ll receive before applicable tax is deducted from your account.

*5Available up to 90% loan to value (LTV). Maximum loan size may apply. Applies to residential applications only.

*6Your cashback will be dependent on the loan not being paid off early or ended by us. You must be a HSBC Advance Customer at the time the loan is taken out. Interest cashback is offered on Personal Loans from £1,000 to £25,000, over 12 to 60 months. Our Personal Loans are subject to status and account conduct. Loan applicants must be UK, Channel Isles or Isle of Man resident aged 18+ and have an annual income/pension before tax of £10,000 or more. The rate you pay depends upon a credit assessment of your personal circumstances and the loan amount; this may differ from the rate advertised.

*7Subject to status and account conduct

*8You will need to identify yourself through our automated telephone service when calling 03457 404 404. Our telephone and Online Banking services are open 24 hours a day subject to scheduled maintenance periods. During busy periods calls may be transferred outside the UK. Textphone is not available in the Channel Islands and Isle of Man. To help us continually improve our service, and in the interests of security, we may monitor and/or record your calls with us.

*9Mobile operator charges may be applicable if using your mobile phone abroad

*10The HSBC Mobile Banking app is available at the time of writing on supported Apple, Android and BlackBerry®10 devices. For more information on the currently supported devices and operating systems requirements please see Depending on your operating system, you may not have access to all of the services provided within the HSBC Mobile Banking app. iPhone and iPad, are trademarks of Apple Inc., registered in the US and other countries. Android is a trademark of Google Inc. Amazon, Kindle, Fire and all related logos are trademarks of, Inc. or its affiliates. Blackberry® 10 is the trademark or registered trademark of BlackBerry Limited, the exclusive rights to which are expressly reserved. HSBC Bank plc is not affiliated with, endorsed, sponsored, or otherwise authorized by BlackBerry Limited. We will not charge you for downloading the app but you may receive charges from your network provider. If you are unsure of your current data charges, please contact your mobile phone contract provider. Please note that charges may vary if used overseas. For security purposes, you can only send bill payments to individuals or companies that you have recently made payments to through Online Banking. You must log in to Online Banking or contact telephone banking to set up payments for new recipients. Paym is not available on iPod touch 3rd generation or iPad 1st generation mobile digital devices. Paym is a registered trade mark of the Payments Council Limited and is used under licence. iPod touch and iPad are trademarks of Apple Inc., registered in the US and other countries.

*11The HSBC Exchange rate will apply if your emergency cash transaction requires a currency exchange.

*12The HSBC Global Transfer exchange rate will apply to any transfer that requires a currency exchange.