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

Existing HSBC customers

Find a mortgage


If you have an existing HSBC mortgage and are looking to switch your existing deal or to borrow more, we are here to help. Find out more here:

Switch your deal
Borrow more

Making extra payments


We want to help you manage your mortgage more effectively. One way you can do this is to make regular extra payments on top of your standard monthly payment or making lump sum reductions whenever you wish. By making overpayments you could:

  • Reduce the amount of interest payable - the interest chargeable on the outstanding mortgage balance is calculated everyday rather than at the end of each week, month or year
  • Pay off your mortgage earlier

How to make overpayments

  • Speak to us about how much you can overpay
  • Work out how much interest you could save with our Overpayment Calculator
  • Log on to Online Banking to view details of your annual overpayment allowance and transfer a lump sum to your mortgage account. If you do not hold a HSBC current or savings account, please contact your own bank to transfer a lump sum to your mortgage
  • If you'd like to make regular overpayments by increasing the Direct Debit for your monthly mortgage payment, or if you'd rather reduce your monthly mortgage payment instead of looking to pay your mortgage off earlier, call one of our dedicated Mortgage Specialists on 03457 662255

Opening hours: Monday – Friday 8am – 6pm and Saturday 9am – 5pm.


Important changes to your mortgage overpayment allowance

  • If your mortgage Offer Document was issued prior to the 27th September 2015 please read our Notice of Variation of your Agreement (PDF)
  • If your mortgage Offer Document was issued on or after the 27th September 2015 please refer to your Offer Document to see details of your annual overpayment allowance


Payments and Overpayments FAQs

What is the standard monthly payment and how is it calculated?

How can I arrange to make overpayments every month?

Can I overpay if my loan has Early Repayment Charges?

Can I make overpayments to reduce the term of my mortgage?

How often should I review my Flexible Payment Arrangement(s)?

Why is my final payment date showing as the date on my Offer Document when I've been overpaying?

I make regular overpayments through a Flexible Payment Arrangement with my monthly Direct Debit payment. Do I need to change anything following a change in the Bank of England base rate?

Why have my payments reduced following a Bank of England base rate increase?



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

Lines are open 8am - 10pm everyday. Calls may be monitored and recorded.

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