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

The information contained in this table summarises key product features and is not intended to replace any Agreement Terms

APR Representative 18.9% APR variable
Interest rates   Introductory rate * (per annum) Monthly rate** Annual rate**
Purchases 0% for 3 months 1.456% to 1.671% 18.9% to 21.9%
Cash Advances N/A 1.809% to 1.860% 23.9% to 24.7%
Balance Transfers 0% for 32 months*** 1.456% to 1.671% 18.9% to 21.9%

*For new HSBC Bank Credit Card customers only.
**The rate that you actually receive will depend on our assessment of your circumstances.
***Available on Balance Transfers made within 60 days of account opening from non-HSBC Group issuers.
This offer can be withdrawn at any time.


Interest free period

Up to 56 days on Purchases if you pay your whole balance in full and on time.


Interest charging information

You will not pay interest on purchases if you pay your balance in full and on time each month. Otherwise, the period over which interest is charged will be as detailed in the table below. For Cash Advances and Balance Transfers any interest charge for the period from the previous statement to the date of full repayment will be debited the following month. Interest will not be charged on Default charges.





Date debited to your account

Paid in full

Cash Advances

Date debited to your account

Paid in full

Balance Transfers

Date debited to your account

Paid in full


Allocation of payments

Your payment is allocated in the following order:

  • Cash Advances
  • Purchases
  • Standard rate Balance Transfers
  • Promotional rate Purchases and Balance Transfers

For further details, please refer to your Credit Card Terms and Conditions.


Minimum repayment

Interest, default charges and any payment protection insurance premium plus 1% of the principal, or 2.5% of the balance or £5 whichever is highest, or your statement balance if less than £5.


Credit limit

Minimum credit limit


Maximum credit limit

Subject to status



No annual fees



Cash Fee
(includes cash withdrawals and purchases of foreign currency, but does not apply to gambling transactions)

2.99% handling fee, minimum £3

Balance Transfers

1.4% of each amount transferred, minimum £5


Foreign Usage

Payment Scheme Exchange Rate.

To find out more, visit the Visa Rates website

Dependent upon the type of transaction you undertake, one or more of the following will apply

Non-Sterling Transaction fee

2.99% of the Sterling amount of the transaction

Cash Fee

2.99% of the amount advanced, minimum £3.00


Default fee

Late payment


Over credit limit


Return payment


This Summary Box does not apply to HSBC Premier Credit Card, Student Credit Card or Your Bank at Morrisons Credit Card.

The information contained in this table summarises key product features and is not intended to replace any Agreement Terms

Illustrative Example
(includes introductory rates)
For a purchase of £1,000 on your HSBC Bank Credit Card
Monthly Payment Minimum payment each month £50 payment each month £100 payment each month
Taking into account introductory rates, how much interest will you be charged in the first year? £119.49 £97.93 £56.10
How much interest will you be charged in the second year? £142.74 £53.33 £0.00
How long would it take to clear the balance? 17 years, 8 months 2 years,  1 month 1 year
The above example assumes the following: the transaction takes place on 1st January and you make no further transactions; you always make the payment on the 15th; your statement is produced 31 days after you make the purchase; interest is calculated based on the representative 18.9% APR variable rate, and introductory rates are included.

We recommend that you pay more than the minimum payment whenever possible. If you make only the minimum payment each month, it will take you longer and cost you more to clear your balance, as shown in the example above.

Recurring transaction

A recurring transaction, sometimes called a continuous payment authority, is a series of payments collected with your agreement from your card by a retailer or supplier (for example, breakdown cover). This is an agreement between you and the retailer. The Direct Debit Guarantee does not cover these transactions.

Back to top