Premier Bank Account: current account benefits | HSBC UK

To make life easier, you choose whether to reach your Relationship Manager by phone, email or in person - in a branch near you, at your office or even in your own home. Or if you prefer to complete your banking after-hours, you can use our Direct Relationship Management service - available 8am to 8pm weekdays and 8am to 6pm at weekends. Find out more about our Relationship Managers.

After assessing your personal circumstances, life goals and attitude to investment risk, they'll develop a financial plan that's tailored to meet your aspirations and financial objectives.

If you're looking to delegate the management of your portfolio, we offer a discretionary service. And if you like to manage your own investments, our Global Investment Centre gives you the information and control you need to research, buy, sell, switch and track your investments all from a single place.

Please bear in mind that the value of investments can fall as well as rise, so you may get back less than you invested. This may in part be caused by exchange rate variations where overseas investments are held.

If you're planning to purchase a property abroad, there are several markets where we can help you with a mortgage, and even advise on local housing markets.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

For mortgages denominated in a currency other then sterling, changes in exchange rate may increase the sterling equivalent of your debt.

If anything unexpected happens you'll receive the emergency assistance you need. For example, if your credit cards are lost or stolen, we can replace them within 36 hours. Or if you need cash, we can arrange up to $2,000 emergency cash transfer.

What's more, our local staff can be a valuable source of information to help you make the most of your journeys. Visit any one of over 300 HSBC Premier centres in cities across the globe to enjoy a home-from-home banking service: relax with a coffee as you call your HSBC branch at home, go online or talk to a Relationship Manager in English.

Our family accounts encourage saving from the age of 7 and offer the experience of managing a current account from 11 years - with preferential rates of interest up until they're 25. And if your children are planning to go to university abroad, they can take advantage of the International Account Opening facility in over 40 countries and territories. We can even have the account open for them when they arrive.

The HSBC Premier Family Mortgage benefit is a great way to give your children a helping hand while letting them enjoy their independence. Not only do HSBC Premier customers benefit from preferential mortgage rates and fees - their children do too.

This benefit is available to your children if they're:

• a first-time buyer
• looking to remortgage when moving home
• switching from an existing HSBC mortgage product to a different HSBC mortgage product, or remortgaging from a first direct mortgage or a mortgage with another lender
• applying for a joint mortgage
• Please note that Buy To Let mortgages are excluded from this benefit

Some things to consider:

• Applicants must be at least 18 years of age and no older than 60
• Parents must be an HSBC Premier customer at the time of application
• Parents must give us consent to disclose that they are an HSBC Premier customer to any children and any joint applicants wishing to take advantage of this benefit
• All applications will be subject to normal assessment criteria

Simple and convenient, you can make free transfers online between your HSBC accounts (subject to country). Please note, foreign currency exchange rates may apply. Global View and Global Transfers are not available in all countries.

New cardholders get our introductory offer of interest-free purchases for 9 months from account opening with no annual fee. You'll also get two years extended warranty on many household goods if you purchase them using your credit card.

Our reward points programme lets you earn Premier Points every time you shop which can be exchanged for a range of travel and leisure benefits. And if your card is lost or stolen when you're abroad, we can arrange for an emergency replacement within 36 hours.

You must be under the age of 70 at the start of the trip.

Your partner is also covered if under the age of 70 at the start of the trip and permanently residing with you at the same address. Please note if you or your partner turn 70 whilst on holiday, all cover will cease when you have returned back to the UK, Channel Islands or Isle of Man.

Your unmarried, dependent children are covered if they accompany you or your partner and are under 18 years of age at the start of the trip (or under 23 years of age if still in full time education and live with the account holder outside of term-time.) Children will also be covered whilst travelling abroad on their own to visit and stay with close relatives for the duration of the trip.

To be covered, your main home must be in the UK, the Channel Islands or the Isle of Man and you must have been registered with a doctor in the UK, the Channel Islands or the Isle of Man and liable to pay local taxes for at least six months at the time of opening your account or on the date your trip starts. You must be under the age of 70 at the start of the trip. Other policy terms and conditions apply.

The security experts at red24™ can answer your questions, provide support, guide you through your next steps if you experience ID theft - and in serious cases one of the specialists will even visit you at home or your workplace to assist you with your case in person. Visit the red24 website for more information and to register.

They'll provide you with a security briefing and any important contact details you might need. Once you're on your trip, they can send you text and email updates along the way so you'll always know about any weather warnings, civil unrest and so on.

This benefit also covers your partner and any children up to age 22 - so if your son or daughter plans to travel before starting university, this service can help put your mind at rest. Visit the red24 website for more details.

You can also withdraw cash from over one million cash machines worldwide. And what's more, overseas cash machine withdrawals made with your HSBC Premier Contactless Debit Card do not incur ATM transaction fees from HSBC. Please note, a foreign exchange charge of 2.75% will still apply to any transaction that is processed in a foreign currency. Please view our General Price List and Interest Rates (PDF) for more details.

The HSBC Premier 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 Premier Contactless Visa Debit Card.

Our dedicated team can answer any queries you may have and help you get the most from your account. If you simply want to check your available balance, pay bills, transfer money or get details of your recent transactions, you can do so quickly and easily via our automated service. Our 24-hour telephone banking service is subject to scheduled maintenance periods.

What's more, if you need to speak to Relationship Manager, our central team is available to help with your queries 8am to 8pm weekdays and 8am to 6pm on the weekends. Please note, to help us maintain our high quality of service, calls may be monitored and recorded.

You can access six years of statement history in just a few clicks. You can even choose to switch off your paper statements altogether and receive them electronically instead. Our secure service is subject to scheduled maintenance periods.

You can receive weekly or monthly mini-statements on the day of your choice, showing your balance and your five most recent transactions. You can also choose to receive text alerts for certain events, such as when your balance falls beneath a specified amount or when a lump sum has been deposited in your account. Text Banking is only available to UK residents. Text alerts are currently not available to residents of the Channel Islands and the Isle of Man.