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

Key product information


The benefits

The Bank Account Pay Monthly Overdraft Service
With Bank Account Pay Monthly, just like many of our other bank accounts, you can ask us to approve a formal overdraft facility. To help you manage your formal limit we'll send you text alerts to your mobile phone the morning after your balance reaches 60%, 80% or 95% of your overdraft limit.

Whether you have a formal overdraft limit or not you'll be given a £50 'buffer' to help cover short term emergency borrowing. So you know where you stand, we won't agree to any payment requests that would take you over your formal overdraft limit and the £50 buffer, and with Bank Account Pay Monthly we won't charge you any overdraft fees.

Pay Monthly Money Calendar
Access to a quick, interactive tool that can help you manage your money. It lets you take an objective look at your spending, identify your financial goals and gives you hints and tips on how to achieve them.

Regular Saver
Bank Account Pay Monthly customers can enjoy a 3% AER/gross fixed rate for 12 months with our Regular Saver. Interest is calculated on the daily cleared balance and paid on the anniversary of account opening. You can save from as little as £25 up to a maximum of £250 a month and a maximum of £3000 by month 12. If you save less than £250 in any given month, you can carry over any unused subscription to the following months.

For example: if you invest £250 a month, you will save the maximum balance of £3000 during the 12 month term. At 3% interest you will earn approximately £48 interest (gross).

Please note, only one Regular Saver account allowed per customer and payments must be made by standing order. Once the account is open, no withdrawals are allowed within 12 months. At the end of 12 months, the account balance will be transferred into a Flexible Saver, Preferential Flexible Saver or HSBC Savings account. If you close your account before the end of the 12 month term, you will receive interest at our Flexible Saver rate.

More on our Regular Saver or see our range of savings products .

AER: Annual Equivalent Rate
This is a notional rate which illustrates what the Gross rate would be if interest were paid and compounded each year.

Gross: is the rate of interest if interest were paid and not compounded each year.


The essentials

HSBC Debit Card
Use your card and PIN in shops, restaurants and online, and withdraw your money from any cash machine in the UK1 - up to £300 a day. Get up to £100 cashback at outlets nationwide when you pay with your HSBC Debit Card.

You can also use your card to withdraw local currency at cash machines worldwide and pay for goods and services worldwide wherever you see the VISA logo shown on your card. A Non-sterling transaction fee of 2.75% of the exchange rate will apply on conversion, plus an ATM transaction fee - currently 2% (minimum £1.75, maximum £5.00).2

Before you travel, please logon or call to tell us you will be using your cards abroad and ensure we hold your up to date contact details, including a mobile telephone number if available

More on the HSBC Debit Card .

Internet Banking
With Personal Internet Banking you can check your balance, see your statements and pay your bills and much more. To see how it works, watch our interactive demo. Internet Banking facilities are available 24/7 subject to planned maintenance periods. More on watch our interactive demo. Internet Banking facilities are available 24/7 subject to planned maintenance periods. More on Internet Banking.

It's also now easier to log on to your Internet Banking from an iPhone or Android phone with our Mobile View service.

Smartphone owners can download HSBC Fast Balance for a quick and easy way to view your current account balance and last six transactions.

Telephone Banking
Get a balance enquiry, make credit card payments, obtain transaction details and transfer cash between accounts at any time, day or night, with our automated service. And if you have a query, our Customer Service Representatives are available on 03457 404 404 from 8am to 10pm every day. Calls may be monitored and/or recorded.

Monthly statements
Once you've set up your account you'll automatically be sent monthly statements. Once you register for Online Banking, you'll then have the option to switch off your paper statements and receive them electronically instead.

Easy payments
You can choose to set up regular payments to pay bills by Direct Debit and standing order and make payments to friends and family, either online or over the phone, making it easy to manage your money.


The additional services

Current Account Switch Guarantee
The Current Account Switch Service has been designed to let you switch your current account from one bank or building society to another in a simple, reliable and hassle-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.

Please note:

  • The service is free to use and you can choose and agree your switch date with us.
  • We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
  • If you have money in your old account, we will transfer it to your new account on your switch date.
  • For 13 months, we will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
  • If there are any issues in making the switch, we will contact you before your switch date.
  • If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.
Current Account - Switch Guarantee

For more information go to

More on the Current Account Switch Service.

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Order commission-free foreign currency on amounts between £100 and £2,500.

For your convenience we have Euros and Dollars in over 1200 of our branches, plus cash in up to 67 currencies available for next day delivery.

Order online, in branch or by telephone. Call 0800 032 4700. Lines are open 8am - 10pm every day except Christmas Day, Boxing Day and New Year's Day.

Help with your finances
We can give you tips on making the most of your money. And if you're having trouble paying your bills, we can help you work out what to do. More on help with your finances .



1 Cash machines: Some cash machine owners in the UK may charge you for withdrawals. This will be shown on screen with an option to cancel the withdrawal if you want.

2 Using your Debit Card abroad: The exchange rate that applies to any foreign currency debit card payments (including cash withdrawals) is the wholesale market rate used by VISA applying on the day the conversion is made plus a Non-sterling transaction fee, which is currently 2.75% of the applicable VISA wholesale rate. We will make the conversion and deduct the payment from your account once we receive details of the payment from VISA, at the latest the next working day. Details of the current wholesale market rates can be obtained by calling us on the usual telephone numbers, set out in the table before Section 1 of the General Terms. There is no transaction fee for using your Debit Card to pay for goods and services abroad in shops or restaurants.

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