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

Overdraft service*
You can address your short-term borrowing needs by arranging an overdraft on your bank account, subject to your credit status. Use our overdraft calculator to understand how much interest you will pay when you use your overdraft. For full details of our overdraft rates and charges see our price list.

Regular Saver*
Bank Account customers can enjoy a 3% AER/gross fixed rate for 12 months with our Regular Saver. 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 Premier Savings account. If you close your account before the end of the 12 month term, you will receive interest at our Flexible Saver rate.

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: The rate before the deduction of tax applicable to interest on savings.

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

HSBC Loyalty Cash ISA
Open an account within minutes and be rewarded for your loyalty when you pay at least £1 into the ISA each year. The variable loyalty rate (currently 1.1% AER for Bank Account customers) applies for 12 months from the date of each payment. Upon the expiry of your Loyalty rate period, you will earn a standard rate of interest (currently 0.5% AER) until you make a further payment. Available exclusively to HSBC customers.

In order to open an HSBC Loyalty ISA you must:

  • be aged 16 or over
  • be a resident in the UK for tax purposes. Crown Servants (typically Diplomats or members of the Armed Forces serving abroad and/or their spouses/civil partners) are also eligible
  • hold an HSBC current account

HSBC Lending Products

HSBC Credit Card
To be eligible for an HSBC Bank Credit Card you need to:

  • be an HSBC current account customer (Advance, Bank Account, Graduate Bank Account)
  • have an annual income/pension before tax of £8,500 or more
  • be a resident of the UK
  • be over 18

HSBC Personal Loan
To be eligible for an HSBC Personal Loan you need to:

  • be an HSBC current account customer (Premier, Advance, Bank Account, Graduate account)
  • have an annual income/pension before tax of £10,000 or more
  • be a resident of the UK
  • be over 18

Mobile Banking
Our suite of mobile banking services give you flexibility to manage your finances your way.


The essentials

HSBC Visa Debit Card
Your HSBC Visa Debit Card gives you instant access to your money whenever you need it. You can use your card to pay for goods and services wherever you see the Visa sign. This includes 29 millions shops, hotels, restaurants and other outlets in the UK, and across over 160 countries.

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. 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 Please view our Personal Banking Terms and Conditions and Charges for more details.

The HSBC Visa Debit Card comes with Contactless technology. Contactless allows you to make low value payments of up to £30 with a simple tap of your card, just look for the Contactless logo at a retailer Contactless Sign. Contactless is subject to status and meeting HSBC's UK proof of address requirements.

When you receive your Visa Debit Card we will include further information on how to use it.

More on the Contactless technology.

Online Banking
With Personal Online 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. Online Banking facilities are available 24/7 subject to planned maintenance periods. More on Online Banking.

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

Download midata for your current account and then upload to price comparison websites to compare and identify best value. To learn more about midata please see our FAQs.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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 8pm every day. From outside the UK +44 1226 261 010. Calls may be monitored and/or recorded.

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 GuaranteeCurrent Account Switch Guarantee

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

  • 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.
  • 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.
  • Crystal Mark 20785If 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.

More on the Current Account Switch Service .

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

For your convenience we have Euros and Dollars in over 650 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 our 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.

Transaction fees: For non-Sterling (foreign currency) transactions we will charge a fee of 2.75% of the amount of the transaction, using your Debit Card to pay for goods and services abroad (eg in shops or restaurants). This fee will be shown as a separate line on your statement as a 'Non-Sterling Transaction Fee'.

* Subject to status and meeting HSBC's UK proof of address requirements.

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