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

Helping you manage your money after uni

Keep your finances flexible in the first 2 years after graduating from university with an interest-free overdraft and the ability to apply for a graduate loan of up to £25,000.

Graduate Bank Account
  • Apply for an interest-free overdraftYou may be eligible for an overdraft facility, of which £1,500 will be interest-free during your first year and £1,000 in your second year after graduation1 (subject to status and account conduct)

    Representative example:
    1st year graduate Up to £1,500 - 0% EAR (variable). Anything above £1,500 – 19.9% EAR (variable)

    2nd year graduate Up to £1,000 - 0% EAR (variable). Anything above £1,000 – 19.9% EAR (variable)
  • Apply for a loan to help finance your goals You can apply online for an instant decision on a Graduate Loan with an interest rate representative 3.3% APR for loans between £5,000 and £25,000 (subject to status and account conduct)
  • Save at great rates As a graduate customer you can open a Regular Saver, one of our highest earning savings accounts
  • Switch your bank account easily Switching your account to HSBC is fast and straightforward using the Current Account Switch Service.
    Current Account - Switch Guarantee
  • Plus our Graduate Account comes with all the essential features you'd expect:
    • VISA debit card (contactless feature, subject to status)
    • Telephone, mobile and Internet Banking

Have you considered these other options?

Is this account not what you're looking for?

See our list of other Current account?

Graduate Loan

Existing HSBC current account holders who are within 5 years of graduation can apply online and get an instant decision.

HSBC Credit Card

The HSBC Credit Card is a useful way to make purchases, wherever you are.

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Financial health check

Financial health check

For help and guidance, use this tool.



Since 1865, we have had the presence to help our customers consistently seek out new opportunities whilst ensuring to be a sustainable bank.

Protect yourself financially, whatever happens

Protect yourself financially, whatever happens

Protect the things that matter with insurance and organised savings.

Growing your wealth

Growing your wealth

For help and guidance, use this tool.

1 Overdraft: Additional overdraft agreed above your interest free entitlement will be charged at 19.9% EAR variable.

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.

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'.

Cash machines: There is an ATM transaction fee currently 2% (minimum £1.75, maximum £5.00) for withdrawing cash at cash machines overseas. We will deduct the transaction fee from your account once we receive details of the payment from VISA, at the latest the next working day. Some cash machine operators may apply a direct charge for withdrawals from their cash machines and this will be advised on screen at the time of withdrawal.

3 Our 24-hour telephone and internet banking services are subject to planned maintenance periods

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