Ways to bank

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, you will be prompted to activate your Secure Key when you log on.

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
 

Banking with HSBC couldn't be easier

HSBC Mobile Banking app

Manage your personal accounts easily and securely from your mobile phone.

  • View your balance and up to 90 recent transactions
  • Send and receive payments using only a mobile number with PaymAvailable on Apple devices: iPhone®, iPad®, iPad Mini and iPod Touch running up to date software. For Android: any device with Android operating system v2.3 or higher. (Android is a trademark of Google Inc) and BlackBerry 10 devices
  • Make payments and transfer fundsMake payments to existing beneficiaries and transfer funds between your HSBC personal accounts
  • Global View / Global TransfersView your balances on your globally linked HSBC accounts and make Global Transfers from your UK HSBC accounts*
  • Password only login - no Secure Key required**
  • Access secure messages
  • Locate nearby branches and ATMs***
  • Apply for a Loyalty Cash ISA
Mobile Banking screenshot 1
Mobile Banking screenshot 2
Mobile Banking screenshot 3

Mobile banking - screenshots

Available for BlackBerry®, iPhone®, iPad® and Android™ digital devices running up to date software

*Available for Advance and Premier customers only.
**Secure Key required for initial password set-up via Online Banking
***Only available on Android™, iPhone® and iPad® digital devices running up to date software

Getting started

  1. Log on to Online Banking with your Secure Key to create your password. If you already have a password, you can log on to the HSBC Mobile Banking app straight away!

  1. Then simply download the app from the App StoreSM, Google Play™ or BlackBerry World™.

Available on the App Store Android App on Google Play BlackBerry World

  1. Login with your password - you don't need your Secure Key - and you're ready to go.

Frequently asked questions


Getting Started
Q. Which devices can I use the app on?

A. The app can be used on Androids™, iPhones®, iPads®, iPad Minis and iPod Touches running up to date software, and BlackBerry® digital devices. At present the app isn't available on Windows phones.

Q. Can I use the app for my HSBC business accounts?

A. This app is designed for HSBC personal accounts; however, a separate Business Mobile Banking app is also available.

Q. How do I download the app and how long will it take me?

A. You need to be online at all times when downloading or using the app. We recommend connecting to the internet via wifi when you download it, as downloading when connected via your mobile network may take longer and incur extra charges from your network provider. The apps can be downloaded from the Apple App Store℠, Google Play™ and BlackBerry World™. Download speed will depend on the strength of your connection and app store capacity. Some additional data will be downloaded on your first log on, but subsequent log on will be quicker.

Q. How do I set up my log on details?

A. You can set up your password via Online Banking. If you're not already a user, register for Online Banking to get started. Once registered and logged on, simply follow the steps on screen to set up your password for the HSBC Mobile Banking app.

Q. Does the app cost anything?

A. The app itself is free of charge. Your network provider may charge you for data usage.

Q. Is there a user guide for the app?

A. Our Service Discovery screens provide an introduction to the app for new customers, plus guidance on updates and new features.

Q. What permissions does this app ask for?

A. The HSBC Mobile Banking app is available in numerous countries - some app permissions, although requested, may not be used in the UK.

For the HSBC Mobile Banking app to work on your iPhone, iPad or iPod touch you can choose whether to accept or reject any of the following permissions:

  • Push notification - this request allows HSBC to send push notifications to your device. We currently do not offer push notifications in the UK, you do not need to accept this to use the app's current functionality.
  • Current location:
    • the find HSBC Branch/ATM feature can use your location to find Branches or ATMs near you. Your location information is only used temporarily by the app and is not stored on our systems or within the app on your device.
    • when you access this feature, "https://www.hsbc.fr" will ask to use your current location. This is the domain name of the server that we use to provide this service.
  • Contacts - this allows the app to access your contacts so that you can make a payment to people in your address book using their phone number. This feature is only used by the Paym service.

The Android Operating System requires you to accept all of these permissions regardless of whether or not you use these features within the HSBC Banking app:

  • Location - the find HSBC Branch/ATM feature can use your location to find Branches or ATMs near you. Your location information is only used temporarily by the app and is not stored on our systems or within the app on your device.
  • Phone:
    • this allows the app to access your contacts so that you can make a payment to people in your address book using their phone number. This feature is only used by the Paym service.
    • when this request is made, Android also requests permission to access your call log. However, the HSBC Mobile Banking app does not require your call log information; it does not access, use or store any of this information.
  • Device ID & Call information:
    • this allows the app to read the phone's status and identity for security and verification purposes.
    • to dial HSBC directly from within the app.
  • Wi-Fi Connection information - this gives the app full network access, and allows it to view Wi-Fi and network connections. The app uses these to check your connection so it can access HSBC's systems.
  • Network communication - this allows the app to control Near-Field Communications which is required for Mobile Payments (we do not access any of this information in the UK).
  • Device controls - this allows the app to take pictures, videos, and control vibration. This enables banking features such as remote cheque deposit (we do not access any of these features in the UK).
  • System tools - this is used so that the app can securely close itself, protecting your confidential information.
Security and passwords
Q. What do I need to log on to the app? Do I need my Secure Key?

A. Once you've set up your app password through Online Banking you can use this, along with your Online Banking username and memorable question, to log on. You only need your Secure Key to log on to Online Banking to set up your password - you won't need it to log on to the app.

Q. Why do I need to be registered for Online Banking and have a Secure Key to use the app?

A. We've designed our mobile banking app as a quick, convenient and secure way for our customers to manage their finances on their mobile. Creating a password that's unique to the app, and doing this via Online Banking using your Secure Key, provides an extra level of protection for your personal and financial details, without making the log on process over-complicated.

Q. Does my password need to be a certain length?

A. Your password needs to be between 8 and 30 characters and consist of both letters and numbers.

Q. What happens if I forget my password?

A. You can change your password at any time via the 'Change my log on details' section in Online Banking.

Q. Do I need to reset my memorable question answer when I reset my password?

A. As you need to enter your password and memorable answer each time you log on, both need to be reset if you forget or change your password. We recommend using a different memorable question and answer from the pre-defined list.

Q. What if I get my password wrong? Will I also be locked me out of Telephone and Online Banking?

A. You can reset your details using Online Banking and your Secure Key; however, you won't be able to access your accounts online until this is done. You will still be able to access Telephone Banking.

Q. What happens if I lock myself out of Online or Telephone Banking - can I still access the app?

A. Depending on what information you have locked on Online Banking, you may also need to update your app log on security details when you reset it. The app will not be affected if you fail Telephone Banking security.

Q. What if I lose my mobile device? Will my account still be secure?

A. When you access the app you're securely connected via our servers, and no account data is stored on the phone itself. Remember to always log out when you've finished.
You should always take precautions when using a mobile device in a public area. The Get Safe Online website www.getsafeonline.org has tips on how to protect handheld computers and mobile phones.
If you've lost your phone and/or are worried your security details have been compromised, please contact us on 0345 600 2290 to let us know.

Q. Will the app time out if I forget to log out?

A. The app will automatically time out after 10 minutes of inactivity. Unlike Online Banking, there won't be a pop-up message warning you it will time out.

Q. Can I let someone else use my app to log on to their account?

A. While we don't recommend sharing the app, it's possible for another user to log on and access their account details through your app.

Q. What if I change my phone/SIM card/network or tablet?

A. The app will be saved to your mobile device, so won't be affected if your get a new SIM card or change network. If you're getting a new device, delete the app from your old one and reinstall it on your new device. This won't affect your account or log on details.

Functionality
Q. What can the app do?

A. You can use the app to:

  • View your balances and up to 90 recent transactions
  • Send and receive payments using only a mobile number with Paym
    Available on Apple devices: iPhone®, iPad®, iPad Mini and iPod Touch running up to date software. For Android: any device with Android operating system v2.3 or higher (Android is a trademark of Google Inc) and BlackBerry 10 devices
  • Make payments and transfer funds
    Make payments to existing beneficiaries and transfer funds between your HSBC personal accounts
  • Global View / Global Transfers
    View your balances on your globally linked HSBC accounts and make Global Transfers from your UK HSBC accounts*
  • Password only log on - no Secure Key required**
  • Access secure messages
  • Locate nearby branches and ATMs***
  • Apply for a Loyalty Cash ISA

Available for BlackBerry®, iPhone®, iPad® and Android™ digital devices running up to date software

*Available for Advance and Premier customers only.
**Secure Key required for initial password set-up via Online Banking
***Only available on Android™, iPhone® and iPad® digital devices running up to date software

Q. Are there things I can't do using the app?

A. You can't access investments, pensions and insurance product details via the app. Secure messages can be viewed using the app, but responses must be sent via Online Banking. New payments must be made using Online Banking before they can be paid through the app.

Q. Why can't I send payments to new recipients using the app?

A. The security of your account is of upmost importance to us. For this reason the setup of new payments (and a first payment) requires transaction data signing which can only be completed using Online Banking and the Secure Key. This also applies for recipients you have only made payments to via telephone banking previously. Once you've made a payment to a recipient through Online Banking, you can make future payments to them using the app.

Q. Can I amend payment references on the app?

A. Yes, for payments to family and friends, but not to ones made to organisations.

Q. Will the balances and information on the app be correct 24/7? Why can't I withdraw money my balance says is in the account?

A. The app can be used 24/7 and account information will be constantly kept up-to-date. Occasionally there will be a difference between the balance of your account and the available balance (both of which are shown in the app). This may be due to, for example, a pending debit card payment or a cheque yet to clear.

Q. How far back do the statements go? Can I download the statements?

A. For credit cards, you'll be able to see transactions made since your last statement. For current/savings accounts you'll be able to see up to the last 90 transactions. Details of earlier transactions can be found through Online Banking.
Statements can't be downloaded to your mobile device.

Q. Will I be able to see any charges to my account?

A. Debited charges will be shown on the statement, but pending charges will not be visible. If you have a Green account, you can check pending charges via Online Banking.

Q. I have a First Direct/M&S Bank account - can I manage these accounts via the app?

A. The app will only show personal HSBC accounts held in the UK. A separate app is available for First Direct. There is no app for M&S Bank at present.

Q. I have HSBC accounts in other countries; can I see these on the app?

A. If the country in question has released the app, you can log on by selecting the appropriate country in the top right-hand corner of the first screen and using the log on details for that country.
Please note that your UK security details can't be used to access a non-UK account.

Q. I'm a Premier customer; does the app have Global View?

A. Yes, Global View is now available in the app. It's available for Advance and Premier customers only.

Q. Can I use the app while I'm abroad?

A. Yes, provided it’s permitted by local law. Remember, network providers may charge higher data usage fees abroad.

Paym - the easier way to pay

Now if you're registered for the HSBC Mobile Banking app, you can send and receive money quickly and securely using only a mobile phone number. Make fast, cash-free payments via participating banks and building societies without sharing bank details.


  • No cash? No problem
  • Send money to registered users using only their mobile number
  • Simple and secureno need to share your account details

Available on Apple devices: iPhone®, iPad®, iPad Mini and iPod Touch running up to date software. For Android: any device with Android operating system v2.3 or higher. (Android is a trademark of Google Inc) and BlackBerry 10 devices

Getting Started


To use Paym you'll need the latest version of the HSBC Mobile Banking app. If you don't already have it, simply log on to your Online Banking account to set up your password before downloading the app for free from the App Store℠, Google Play™ or BlackBerry World™ (network data usage charges may apply).


Available on the App Store Android App on Google Play BlackBerry World


How to receive payments


You can skip this step if you've pre-registered for Paym.

  • Select Paym in the HSBC Mobile Banking app menu and choose 'register to receive payments'
  • Read and accept the Terms and Conditions and Consent to use the Service
  • Use your Secure Key to generate a security code
  • Choose the account you'd like to register
  • Enter your mobile number to receive your activation code
  • Enter your code

You're now registered for Paym.


How to send money


  • Set your daily payment limit (you only need to do this once)
  • Select a contact from your phone book or type in their number
  • Enter the amount, verify the payment details and click 'pay now'

Your payment has been sent.


Frequently asked questions


About Paym
Q. How does Paym work?

A. You can securely send payments to other registered users using only their mobile number. It's ideal for paying money to someone you know - for example, for your share of a restaurant bill - without the need to share account details. All the recipient will see is your account holder name, not the number or sort code.
You need to be registered for the HSBC Mobile Banking app to receive payments via Paym. If you haven't registered you can still send (but not receive) payments using Paym via Mobile Banking.

Q. What devices are compatible with Paym?

A. Paym has been designed to work on the following devices:

  • Apple® devices: iPhone®, iPad®, iPad Mini™ and iPod Touch™ with an operating system of iOS 6.0 or higher
  • Any Android™ device with Android™ operating system v2.3 or higher (Android™ is a trademark of Google Inc)
  • BlackBerry® 10 devices

Q. Is it secure?

A. Yes. Payments made through the Paym service are sent using the same secure payment system as some Online and Telephone Banking payments.

Q. Is there a charge to use Paym?

A. Paym is a free service, and the HSBC Mobile Banking App is also provided free of charge. However, you may be charged data usage charges to access the app by your network provider. These charges may vary when abroad.

Q. How do I know if someone has sent me a payment?

A. You’ll receive a text message to the UK mobile number you registered for Paym with. You can then log on to the HSBC Mobile Banking App or Online Banking to review the details.

Q. Can I use Paym if I have previously registered for other services, such as Barclays Pingit, Pay Your Contacts or Pay2Mobile?

A. Yes; however, you’ll need to deregister with any Paym services hosted by any other banks or building societies before registering with HSBC if you want to receive payments into your HSBC account.

Registration
Q. Why am I being asked for a security code?

A. The security code generated using your Secure Key device provides an extra level of protection against banking fraud. If you need help with your Secure Key device, please call us on 0345 600 2290.

Q. Can I link my mobile number to more than one account?

A. You can only register one eligible HSBC current account to a UK mobile number. If your mobile number is already registered with another bank or building society, you will need to deregister your mobile number from Paym with them first and then register with HSBC if you want to receive payments into your HSBC account.
You can still make payments from an HSBC account via Paym even if you’re registered to receive payments with another bank or building society.

Q. Can I change the account I've linked to Paym?

A. To change your linked HSBC account, go to the 'Change Paym Settings' option via 'My details & preferences' in your Online Banking account, or via the 'Settings' menu in the HSBC Mobile Banking App, selecting 'Paym Payment Settings'.

Q. Can I use Paym with a joint account?

A. Yes. Each joint account holder can register to receive payments via Paym into an eligible joint account, using different mobile numbers.

Q. Why is an activation code sent by text message during registration?

A. This is to verify that the phone is in your possession and the right UK mobile number is being registered. You’ll also get an activation code by text if you change your mobile number and register the new one for Paym.

Q. What if I haven't received my activation code?

A. The text message containing your activation code will normally arrive within a few minutes. However, occasionally factors outside our control, such as network and signal issues, can affect delivery. If you haven't received your code after 10 minutes, please try again, ensuring you’ve entered the correct mobile number. If you still don't receive it, please give us a call on 03457 404 404 and we'll be happy to help.

Q. What if I don't want to receive payments using Paym anymore?

A. You can deregister from Paym at any time using the 'Deregister from Paym' option under 'My details & preferences' in Online Banking, or by selecting 'Settings', 'Paym Settings' and then 'Deregister From Paym' using the HSBC Mobile Banking app.

Q. What will you use my mobile number for?

A. When you register for Paym, your UK mobile telephone number will be linked to your nominated current account so you can receive payments using the service. It will also be used to inform you by text message when you receive a payment. We won’t use it to update your existing contact details.

Payments
Q. How much money can I send using Paym?

A. Depending on the type of account you have, you can send payments from £1 up to the daily limit that you have chosen or the maximum set by us (currently £250, or £100 if aged 16 or 17). You can view or change your limit using the 'Change Paym Settings' option via 'My details & preferences' in Online Banking or by selecting 'Settings' and 'Paym Settings' in the HSBC Mobile Banking app.

Q. Can I pay someone who is not registered for Paym?

A. Paym can only be used to pay registered users.

Q. Can I pay someone with a non-HSBC account using Paym?

A. Yes, you can send a payment to any registered user, as long as their bank or building society participates in the Paym service.

Q. Do you access the information in my phone book?

A. The only time your phone book is used is when you select a contact to send a payment to. It will not be used for any other purpose.

Q. Why is a payment reference needed?

A. This makes sure that both you and the recipient can easily identify the payment; eg 'payment for lunch'.

Q. How will payments using Paym show on my statement?

A. Payments using Paym will show on your statement as PYM so you can tell them apart from your other transactions.

Q. What if I send money to the wrong mobile telephone number?

A. When sending a payment, we check the mobile number is registered for Paym and display the account name linked to it. You must check these details carefully – there is no way of stopping a payment once you select ‘confirm’.

If you have sent money to an incorrect mobile number, please call us straight away on 03457 404 404.

Mobile website

Our website is fully optimised for mobile, making it easier for you to access from your mobile phone


  • Access Online Banking with your Secure Key
  • Compare and apply for products and services
  • 0345 contact number call us using your inclusive minutes on most tariffs

Check your balance in mobile view or switch to desktop view for services such as payments. Calls to 0345 numbers are eligible for inclusive minutes calls under most operators' tariffs; please check with your network to confirm.

Mobile website

Free text alerts

Keep track of your money anywhere with free weekly or monthly mini-statements and account alerts. We can let you know via text if:


  • Your balance has reached or fallen below a specified amount
  • A lump sum (minimum £25) has been deposited in or withdrawn from your account

Mobile website

Choose to receive weekly or monthly mini-statements on the day of your choice, showing your balance and up to five recent transactions, on up to three current and/or credit card accounts. Please note credit card accounts are only eligible for mini-statements via text, not account alerts.

This is a free service for all eligible current account customers. Click 'register now' to select the text alerts you'd like to receive.

Register now


HSBC Fast Balance

HSBC Fast Balance is our basic level app, allowing you to view your balance and up to six recent transactions. For secure, easy access to a much wider range of mobile banking features, wherever you are, download our new HSBC Mobile Banking app.


Frequently asked questions


Q. What Smartphone devices are supported?
  • iPhone®, iPad®, iPad Mini™ and iPod Touch® running up to date software
  • Android™ and BlackBerry® 7 digital devices
Q. What accounts can I access with Fast Balance?

Any Personal HSBC current account for which you have been issued with a debit card.

Q. Can I make payments or transfer money using Fast Balance?

No. Fast Balance only provides access to your account balance and details of your six most recent transactions. For mobile payments, transfers and a longer transaction history, download our new HSBC Mobile Banking app.

Q. Do you charge for this service?

HSBC will not charge you for using this service. However, you may be charged by your network provider for data usage - please check with your provider.

Q. Can I use this when I am abroad?

You can access Fast Balance abroad. HSBC will not charge for using this service; however we recommend you check your network provider's charges for data usage outside of the UK.

Q. I've lost my phone, what should I do?

Call the mobile phone network provider immediately so they can disable the phone. If you get a new phone with the same number, you will just need to re-register for Fast Balance.

iPhone, iPad and iPod touch are trademarks of Apple Inc., registered in the U.S. and other countries', 'The trademark BlackBerry® is the property of Research In Motion Limited and is registered in the U.S. and countries around the world. Used under licence from Research In Motion Limited' and 'Android is a trademark of Google Inc.

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