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


Graduate Loan

3.3% APR representative*


Quick decision

Apply online with Internet Banking and we'll give you an instant credit decision, with no need to complete paper documents (subject to planned maintenance periods). You can also get an instant decision if you apply in branch or over the phone.


Immediate funds

If your application is approved online, we'll transfer the money into your account straight away.


Fixed repayment terms

Spread your repayments equally over one to five years for Graduate Loans of £15,000 and less, or over one to eight years for Graduate Loans of over £15,000.

The first repayment is due 30 days from drawdown.

If you are eligible and choose the deferred start option the first repayment is due 3 months from the date of drawdown. Repayments will be taken monthly from your HSBC current account.


Responsible lending

As a responsible lender, we work with you to try to ensure that you do not borrow more than you can afford to repay.

Personal Loans are available from £1,000 to £25,000 in £10 increments.



Interest is calculated on a daily basis. At the beginning of the loan we work out the interest you will pay over the whole period of your loan and add this to your loan balance.


Repayment holidays

You could have the option to take a repayment holiday for the first three months or every January for the life of the loan. You need to specify if you would like to take one of these options when you apply for the loan. The three month repayment holiday must be taken at the start of the loan and can't be offered where more than 70% of the loan is for refinancing existing borrowing. Neither of these options are available when refinancing an existing Graduate Loan where you've made five or less repayments. Please note that interest is charged over the full term of the loan, including any deferred payments/repayment holidays taken. This means that if you choose to take a repayment holiday, more interest will be payable overall.


Apply for additional borrowing

You can apply to borrow more money either via HSBC branches, telephone or Internet Banking. If you've made five or less repayments on your existing
Graduate Loan, you won't be eligible for the January holiday or three month deferred start options on your new loan should your application be successful.


Early repayments

You can repay your loan in full at any time by giving us notice in writing, by visiting a branch or by calling us on 03457 404 404. Once you've given us notice, we'll give you a settlement figure. It's necessary to pay all the amounts owed if you wish to close the loan. Where you make an early repayment, there may be a reduction in the amount of interest you'll have to pay and this will be reflected in the settlement figure. Please note, there is a penalty of one month's interest for repaying your loan early.



If you take out a loan, you'll be able to make overpayments or lump sum repayments to your loan. These payments may reduce the amount of interest you pay over the term of the loan.


Our credit facilities

You can get full details of our credit facilities, including a written quotation from any of our branches, by writing to:
Customer Information
HSBC Bank plc
PO Box 757
Hemel Hempstead
HP2 4SS.
Or call us on 0800 032 4735 (textphone 18001 0800 028 0126). Lines are open from 8am to 10pm every day (except for Christmas Day, Boxing Day and New Year's Day).

*The representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances.

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