Overdraft Service: how to apply | HSBC UK

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

How would you like to apply?

Simply choose the way that suits you best - but first, take a look below at the eligibility requirements and
things you should know about your Overdraft Service application.

If you know what arranged overdraft limit you need you can apply for it online now for an instant decision.

Apply online

Registered for Online Banking?

If you have an eligible HSBC current account, you can apply for an overdraft online now.

Simply log on, select an eligible HSBC current account, click 'Change overdraft limit' underneath your balances and follow the steps.

Apply by phone

Call us on

03457 404 404

Textphone contact numbers

03457 404 404

Calls to 0345 numbers are included within most mobile operators inclusive minutes. Please refer to your mobile network tariff for any charges.

Lines are open from 8am to 10pm every day (except for Christmas Day, Boxing Day and New Year's Day).

Apply in branch

HSBC Current Account customers can book an appointment to apply in branch by calling 03457 404 404. From outside the UK +44 1226 261 010. You’ll need to bring identification
and proof of your address.

Find a branch

Eligibility requirements

Please ensure you can answer YES to the following questions:

  • Are you 18 years or over?
  • Do you have a relevant HSBC bank account?

Our Overdraft Service is available on HSBC Premier Bank Account, HSBC Advance Bank Account, Bank Account, Bank Account Pay Monthly, Graduate Bank Account and Student Bank Account (over 18s only).

Our Overdraft Service is not available on Basic Bank Account.

Things you should know

Before applying, please take the time to read the following. You may also want to save some of these documents for future reference.

To read our PDF files you'll need to have Acrobat Reader 8.0™ or above. We think most of you will have this but if you don't, it's free and can be downloaded from Adobe UK. If you are accessing this website using screen reading technology that cannot read PDFs, a converter is available at Access Adobe.

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