Security Centre

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.

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How we clear cheques

Ever wondered why it takes a while for money to appear in your account when you deposit a cheque? In this guide, we’ll explain the process and show you what’s happening in each stage.

After you pay in a sterling cheque at any HSBC branch in the UK, you can be certain that your funds will be available within six working days. This is because all UK banks and building societies must meet the requirements of a cheque clearing process. The example below shows how it works.

Cheque clearing

T is transaction day. The working day you pay in a cheque before 3.30pm. In this example, our cheque is paid in on a Monday.

T+2 is the day interest, if applicable, will be earned. In this example, on Wednesday.

T+3 is the day the funds are available for you to withdraw or use in another transaction. In this example, on Thursday. Please note, if you withdraw or use the funds at this point, it would be at your own risk as the cheque could still bounce. If the cheque bounces, those funds will be debited.

T+6 is the final day that your cheque could bounce. In this example, on Tuesday.

Please bear in mind our end-of-day processing means that any cheque reversal transactions may not be visible on your account until the start of the next day. Therefore it’s advisable to wait until after 9am the following morning to be certain that the money is yours - in this example, on Wednesday.

For more information about the clearing cycle, please refer to our General and Current Account Terms and Conditions.

Need to speak to us?

Give our friendly team a call on:

03456 013 464

Textphone 18001 03457 125 563
Lines are open from 8am to 8pm every day except for Christmas Day, Boxing Day and New Year's Day. Calls may be monitored or recorded.

Prefer to talk face-to-face?

Pop into your nearest branch for a chat.

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